Businesses can immensely benefit from the 6 types of business insurance plans available in Canada. Different kinds of business insurance plans are crucial for businesses of all types and sizes. In choosing the right plan suitable for your business and situation, you will need the professional guidance from an experienced insurance broker. Each of the business insurance plans we are talking about here can be custom designed for your typical needs and expectations.
Commercial vehicle insurance
Depending on the kind of coverage you find suitable for the vehicle used for your business operations, you can get insurance cover under the commercial vehicle insurance category. Collision coverage protects the damages and repairs caused due to impact with another vehicle or object. Comprehensive coverage offers protection from unexpected situations including acts of vandalism, fire and theft. All-peril coverage provides a comprehensive coverage as well as collision coverage.
- Commercial Auto
Commercial auto insurance is the right pick for you if you are using vehicles for the daily operations of your business.
- Trucks
Trucks insurance offers a combined coverage for your vehicles as well as cargo and this product is suitable for transport businesses.
- Commercial Fleet
If your business has a fleet of vehicles, the right kind of plan suitable for you is a commercial fleet policy that will can cover all the vehicles in one policy. Also it makes your job easy since there is only one renewal date in this care to remember.
- Garage
Garage insurance provides cover for various garage operations including repairs.
Property andliability insurances:
Property insurance covers the physical assets like building(s), equipment, goods stored in the stockyard as well as those in transit. Liability insurance provides coverage towards risks including physical injury, damage to property, and personal injury caused by others or some external risk factorsconnected to the business operations.
The other categories you can consider for your business include crime, liability and business interruption insurances. All of these insurance plans can be fully customized with the kind of coverage you will need.
Cross-Border solutions:
Cross border solutions are mandatory products for businesses in Canada when they are dealing with the firms owned in the US territory and those that have a US exposure. Any Canadian owned business can seek coverage under these suite of plans.
Surety Bonds
Surety Bonds help you guarantee your obligations to your partners, clients and suppliers. These kinds of insurance plans are typically suitable for auto dealers, professionals, construction companies, environmental sites, transport firms and other service providers.
Privacy Breach
Losses suffered by a business due to risks like unauthorized access, exploitation of the information about your employees or customers, thefts, and loss can be covered by privacy breach insurance. This coverage lets you settle the expenses and focus on your business without a big disruption.
Customsolutions for developing business
If you are an entrepreneur having made a significant investment in Canada, comprehensive business insurance coverage can help you stay protected against majority kinds of risks your business might face. Since every kind of business is unique, you will need a customized insurance policy that is suitable to your situation and needs. Customizing your business insurance plan is crucial since you will need to choose the kind of flexibility and the limit of coverage you want. Suitable insurance plans help cover both expected and unexpected claims.
Why business insurance is and important product in Canada?
No business owner can today underestimate the importance of business insurance in Canada. However, it is useful to know why a business insurance package is important in Canada.
Businesses own expensive vehicles. Similarly, the office equipment, furniture, computers and other fixtures are a big investment you have made. While all these things are essential to support your business processes, protecting them is important to ensure there is no disruption to the business or loss suffered due to any snag in productivity.
Every business in Canada might confront unexpected liabilities and emergencies. Imagine if a vehicle on the road has caused damage to your delivery truck, the incident can result in a total damage to the truck leading to severe financial losses and liabilities. Such emergencies can be tackled easily when you have purchased the suitable kind of insurance plan.
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Cyber risk insurance has become an absolute must for all businesses operating in Alberta.If you are a business owner with an eCommerce component and store sensitive customer data, then you are vulnerable to cybercriminals who are on the lookout to steal your data and sell it on the dark net for a hefty sum by launching a cyber attack.A cyber attack can take different forms and shapes such as identity theft, phishing, denial of service, theft of information, unauthorized malware installation, or even accessing your website to post inappropriate content.Although cyber risk insurance provides you coverage in the above instances, it is still a best practice to observe simple rules that can protect you from the malicious attempts of internet predators to steal data, disrupt your business operations and cause damage your reputation.Make out phishingThe use of fake emails, text messages and websites can allow cybercriminals to entice staff to enter their passwords, credit card numbers and more.Train employees to recognize phishing, especially fake emails, text messages and websites and make them aware so that they don't get enticed to enter their passwords, credit card numbers and other personal details.Employees should be made not to click on suspicious links or enter information on unknown websites, can help reduce the risk of sharing vital information.
Examples of risky URLs include hyphens, numbers, spelling mistakes and the “@” symbol.Store passwords securelyAs a best practice passwords should be stored securely and employees must be encouraged not to write the passwords near their workstations.Computers screens should lock quicklySet up your computers in a way so that they lock quickly and prevent aunauthorised access even by staff with the organization.Start a departing employee rule Establish a rule that passwords will change when any employee leaves the company, whether on good or bad terms.Make your website secureSecure your website, especially if you are in eCommerce business or have a need to store sensitive customer data.
It is recommended that you:Limit access to only a small number of employees.Take a back up of your system regularly.Review logs regularly to identify suspicious activity.Select a web hosting service that offers services in web security, so that security gaps can be quickly identified and fixed.Use generic business accounts for website contactsHave a data recovery plan readyHave a plan in place in case there is a disruption or a data breach.
Steps include:Take a backup of all files and folders that are at risk during a data breach and keep updating it regularly.Use a backup application that provides automatic and continuous backup.Store backups at a secure location and keep testing them.Do an annual test to check system restoration so that it is always ready.Be ready to communicate to users, customers, clients, in case there is a breach.Take professional liability insurance and cyber risk insurance.Email security Increase your email security by having an effective spam filter that reduces the risk of cybercrimes.
Tell employees to avoid clicking suspicious emails, enable HTTPS to encrypt data and assign emails based on generic departments or roles.Avoid using public Wi-Fi for business purposesBy following this practice you can lower the risk of hackers accessing your information.Turn off features not requiredUnless needed, avoid using features like GPS, wireless connection, and geo-tracking as these will prevent cyber criminals from accessing your information.Establish a no-apps rule Make a no-apps policy for all devices and computers that have been provided for business purposes.
In case apps are required to be downloaded for business purposes, just ensure that they are approved and are from trusted sources.Protocols for safe access Ensure that all devices and computers have strict access protocols.
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