Amidst economic ups and downs, Edmonton’s small-to-medium-sized business sector continues to thrive and grow. At Capital Insurance Brokers, we offer a variety of commercial property insurance and general liability insurance lines for Alberta businesses. With over 30 years of experience in helping Edmonton businesses, our insurance brokers are committed to finding the best way to fulfill your commercial insurance needs.
You’ve Worked Hard to Build Your Business
Make Sure It’s Properly Protected
Creating and managing a business is a huge investment. Don’t let your time, money and energy go to waste by not carrying a proper commercial insurance policy for your business. Commercial insurance is meant to protect you, your company and your employees from the long list of risks out there that could threaten your ability to do business.
Business Insurance FAQs
If your commercial building will be vacant or temporarily unoccupied, contact your insurance broker as soon as possible. Many insurance policies have vacancy conditions that could affect your coverage. To reduce the risk of theft, vandalism, water damage, or fire, regularly inspect the property, keep alarm systems active, maintain heat during colder months, shut off the main water supply if appropriate, and ensure the building remains well lit.
If your business stores customer information, processes online payments, or relies on computers to operate, cyber insurance is worth considering. Businesses of all sizes can experience cyberattacks, data breaches, or ransomware incidents. Cyber insurance can help cover costs related to data recovery, legal expenses, customer notifications, and business interruptions caused by a covered cyber event.
Usually not. Most homeowner’s insurance policies provide little or no coverage for business-related property, equipment, or liability. If you operate a business from home, you may need additional coverage or a separate business insurance policy. An insurance broker can help determine the right protection based on your business activities and the risks involved.
It depends on your policy. Standard commercial insurance does not always include coverage for overland flooding or sewer backup. These protections are often available as optional endorsements. Reviewing your policy with an insurance broker can help ensure your business has the right coverage for flood-related risks in your area.
Yes, if you have business interruption insurance. This coverage can help replace lost income and pay for ongoing operating expenses when your business must temporarily close due to a covered event, such as a fire. It can help cover costs like payroll, rent, and other essential expenses while your business recovers and resumes operations..
Specialized Business Coverage
As commercial insurance specialists, our team can help assess and manage your business risks, including coverage for:
- Property loss
- Employee theft
- Physical damage from fire, weather and flood
- Vandalism
- Legal liability for business-related injuries
- Product liability
- Loss of key persons or partners
Customizable Coverage for Businesses of All Sizes
At Capital Insurance, our goal is to bring peace of mind to those who help our community grow. This is why our primary focus is to help small and medium-sized business owners avoid financial setbacks. When your business grows, we’ll be there to ensure it is protected every step of the way.
Across All Industries
Our specialists are versed in all kinds of commercial property and liability insurance. Here are just some of the types of coverage that we offer to businesses in Edmonton and Alberta:
- General and sub-contractors:
- Construction
- Builder’s risk
- Renovation
- Janitorial services
- Electricians
- Carpenters
- Welders
- Flooring contractors
- Demolition
- Oil & gas
- Professional services:
- Accountants & bookkeepers
- Architects
- Engineers
- Lawyers
- Medical clinics
- Real estate agents
- Office professionals
- Physiotherapists & chiropractors
- IT (Information Technology)
- Commercial buildings:
- Course of construction
- Retail space
- Office buildings
- Sports and recreational facilities
- Apartment buildings
- Hospitality:
- Restaurants and bars
- Bakeries
- Bed and breakfasts, hotels, and motels
- Beauty and leisure:
- Nail salons
- Hair stylists & barbers
- Eyelash studios
- Dance studios
- Fitness studios
- Beauty salons and spas
- Dental clinics
- Retail Stores
Chat With A Broker
Not sure what kind of insurance you need for your business? Give us a call! Our commercial insurance brokers can help manage your liabilities with the right business insurance and will work with you to design a policy that fits your needs.
