Liability insurance

Commercial general liability

You damage a customer’s car when removing snow from their driveway, you hit an electrical line during a digging operation, or a patient gets bitten in the waiting room of your veterinary clinic – each of these could be grounds for a lawsuit.

Commercial general liability insurance protects you and your business against claims for bodily or personal injuries, advertising liability, as well as property damage to third parties arising from your operations or products or occurring on your business premises.

If you were sued for any of those claims, this protection would cover legal costs to defend the claim against your business in court, as well as indemnity costs to cover damages to compensate third parties.

Umbrella liability

Commercial umbrella liability insurance provides your business with additional liability coverage over and above your commercial general liability insurance policy, whether it's with us or with another insurer.

It's there so you don't have to worry about having to pay for liability claim out of pocket when it exceeds the coverage limits of your primary policy.

Errors and omissions

As a professional in private practice, the failure to meet one of your responsibilities or a requirement of your profession could have serious consequences, jeopardizing not only the financial stability of your business, but your personal assets as well.

Errors and omissions liability insurance, also known as professional liability insurance, covers your liability for negligence, errors and omissions, while providing your insured professional services. If a suit is brought against you for damages covered by your insurance policy, this protection would cover legal fees for your defence, whether or not you're liable.

Directors and officers

There’s a lot resting on the shoulders of directors and officers of companies and non-profit organizations: wrongful dismissal, bankruptcy, defamation... these are just a few liability situations you might be faced with.

Directors and officers liability insurance, also known as management liability insurance, covers damages involving wrongful acts committed in the discharge of your duties, including: negligence, misconduct, errors and omissions, breach of duty, misleading statements or any other act that could be held against you in your capacity as a director or officer. In the event of a lawsuit, this protection would cover legal fees to defend yourself.

Crime

Crime insurance protects your business against a wide variety of threats, causing unplanned expenses and lost time including: Employee Dishonesty; Theft, Robbery or Burglary; Fraud and Expenses resulting from a Crime loss.

Add Social Engineering Fraud coverage to your policy to protect your business against loss of money, securities or other property as a direct result of social engineering fraud conducted by a person purporting to be a vendor, client or employee.

Our customizable crime insurance can be added to an Intact Insurance commercial property policy and is available as a standalone policy for a more specialized coverage.