COMMERCIAL INSURANCE
A business is not built in a day. That is why it is as essential to insure it as you would your home or vehicle.
Customize Commercial Insurance for Your Needs
Our commercial insurance companies and brokers are here to ensure you have the correct coverage.
We Insure...
- COMMERCIAL
- COMMERCIAL LIABILITY
- SPECIALTY RISKS
- GROUP BENEFITS
COMMERCIAL
Although every business is unique, our commercial insurance brokerage, Ontario, recognizes that many commercial operations have standard insurance requirements. Many excellent package policies have been developed for a wide range of businesses.
These packages include such elements as
- Property coverage (building, stock, equipment, inventory)
- Mechanical breakdown
- Crime
- Commercial general liability for the business's operations.
How much will Commercial Insurance for Businesses Cost?
Gray Rock Insurance charges an average of a month and affordable dollars annually for a business commercial policy. Remember that business insurance premiums vary since each firm has different demands. Some things that may affect your company insurance prices include:
● Location
● Number of workers
● Business Type
● Coverage limits
● Claims history
Gray Rock's Insurance Commercial General Liability Insurance
As simple and unimportant as it may sound, did you know that if someone accidentally injures themselves while on your property (ex, slipping), it could cost you a hefty lawsuit? Commercial general liability insurance is better to save yourself and your business from unanticipated damages or liabilities.
Who Requires General Liability Coverage for Their Business?
Did you realize that four out of ten small company owners will face a property and a general liability lawsuit during the next ten years? Claims from commercial insurance brokers encompass everything from unexpected incidences, such as a burglary, to unanticipated mishaps, such as a client being wounded after slipping and falling. Gray Rock’s commercial general liability insurance would cover the costs where your
business is found responsible for causing any property damage or bodily injury to the third party.
Get an Overall General Liability Insurance Quotation for Your Small Business
Not all insurance commercial business insurance in Ontario is alike. We have decades of expertise assisting small company owners in protecting their businesses with coverage such as general liability insurance. We can help you get a quote, understand the general liability class codes, or file a claim. Request a free quotation or purchase general liability coverage online to discover more.
Gray Rock's Commercial Property Insurance
Any firm operating out of a facility confronts dangers to its property. If you own or rent a building or property, your business will need insurance against unforeseen disasters such as lightning, windstorms, fire, theft, and vandalism.
Although many sorts of businesses would benefit from obtaining commercial property insurance, these sectors are commonly covered:
● Beauty Salons & Consultants
● Photographers
● Businesses include retail stores, restaurants, and technology firms.
Our comprehensive commercial property insurance covers the costs and claims in case of damage to your building, equipment, inventory, electronic devices, furniture, computers, etc.
Along with all this, you also get claims for the costs of the outside things ex: growing plants, fences, trees, lawns, shrubs or outdoor signs etc
To get commercial property insurance, you do not need to own the business space. The policy is beneficial and profitable even when you operate from a rented space, your home, or a property on lease.
Commercial property insurance protects your company’s facility and the instruments it uses to function. We provide a wide choice of insurance options to help safeguard your organization. You may supplement your business property insurance with other forms of coverage. We make it easy for you to submit a business property insurance claim online.
Gray Rock's Professional Liability Insurance
It is not just a business where unforeseen damages could happen; even professionals might face these unwelcome situations at the time. Whether you are a financial planner, consultant, or any professional rendering your professional services, taking good professional liability insurance could go a long way.
Professional liability coverage is essential for business owners who give services to clients or customers. You should seek insurance for professional liability coverage if you:
● Must sign a contract that compels you to carry coverage.
● Provide expert assistance to your clients.
● Provide regular advice to clients.
An expensive and complicated lawsuit might look like this: A little error on your part caused a big financial loss to your client. Now, we all make mistakes. So does that mean that we pay that large amount for every mistake? No, right! So, this is where Gray Rock’s Professional liability insurance would save you. Our Comprehensive professional liability insurance reduces the expenses arising out of an unexpected lawsuit in case of errors of omission or commission.
Our Professional liability coverage for small firms can assist protect against the following claims:
Negligence
We cover you when the specialized services you or your organization offer cause damage or harm to a customer. For instance, your accounting business may commit a clerical error that costs your customer thousands of dollars.
Inaccurate advice
Our commercial insurance company, Ontario, covers you when a consumer alleges that the counsel you offered caused them harm.
Personal injury
Our commercial insurance broker covers you If someone charges you or your company of libel or defamation, whether it is accurate or not.
Copyright infringement
We cover cases in which someone alleges you or your company exploited their intellectual property without their authorization and sued you for infringement of copyright.
Misrepresentation
Our commercial insurance company, Ontario Coverage, covers you if a customer alleges that incorrect or misleading information induced them to enter into a contract with you or your organization, resulting in damages to the client.
Gray Rock's Cyber risk & data breach
Cyber attacks are on the rise. While businesses do everything to safeguard themselves, hackers find a loopholes and cause unnecessary financial and mental trouble.
When you own a small company, you face several physical hazards, including property harm and bodily harm. However, there are hazards associated with the use of technology in your organization. These range from breaches of data to hacking.
To defend against these risks, several organizations include cyber insurance in their business insurance policy. Cyber insurance can provide wide coverage to protect enterprises from different technology-related threats.
It is always crucial to understand what business coverage protects. This is particularly the case with cyber insurance. Our data breach coverage and cyber liability coverage are two separate plans. While they provide some of the same advantages, like access to our Cyber Centre, which has simple data breach detection and response resources, each policy protects your organization in a unique way.
But don’t worry. In addition to doing the best you can to protect your company’s data, such as customer databases, credit card information, and important credentials, Ray Rock’s Cyber risk and data breach insurance covers claims for the costs associated with such damages.
For bigger enterprises or small businesses having a lot of confidential data, our cyber liability policy provides even greater coverage than the data breach coverage. You will also get access to a 24/7 claim hotline, where our professionals can assist you with a breach response, as well as a program to help teach your personnel to prevent cyber risks.
Gray Rock's insurance for trade shows
As it is commonly called-, exhibitor’s insurance or insurance for trade shows provides a wide range of benefits for your trade shows and exhibitions.
Our comprehensive plan includes:
● General liability insurance
● Claims for the costs covering the damages to your equipment and contents
● Inland Marine insurance claims
● Crime insurance claims
● Commercial Auto insurance claims
● Cancellation and non-appearance costs
● Food and beverages concessions etc
Getting a Correct Commercial Insurance Quote
Obtaining commercial insurance rates for your company should be quick and simple. That’s why we made it as quick and simple as possible. You can obtain a customized commercial insurance quotation for your company in as little as 10 minutes.
Seeking for a commercial coverage policy?
Grey Rock Insurance makes it simple to discover more regarding commercial insurance prices by requesting a quotation online.
Get a Free Quote Today!
Don't settle for generic insurance coverage. Speak with a Gray Rock Insurance advisor and experience the difference a personalized approach from an award winning online broker can make.
Toronto: 416-239-2727 | Toll Free: 1-800-741-6130