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Commercial Insurance

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General Commercial Insurance in Alberta: How Link Protects Your Business

You may be one of over 170,000 small business owners in Alberta or have a multi-million-dollar company. Whatever your company’s size, you have unique insurance needs.

At Link Insurance, we help you protect what you’ve worked so hard for. This includes all the potential hazards of running your business: liability claims, physical damage, personal injury, and more.

We know the cost to have adequate coverage is top of mind for you as a business owner, that’s why we provide you with the best business insurance rates without sacrificing quality.

Types of Commercial Insurance

General Business Liability

General business liability coverage includes bodily injury and property damage, personal and advertising liability, medical payments, and tenants legal liability.

Bodily Injury and Property Damage Liability

A typical loss in this area occurs when a visitor slips and falls in your retail shop or office building resulting in a lawsuit. Bodily injury liability protects your businesses if a third-party injures themselves while on the premises. This full coverage includes bodily injury to customers, staff, vendors, or visitors to a business and property damage caused by your employees. This protection will cover your legal fees if sued.

Personal and Advertising Injury Liability

If a staff member has an injury at work, a business is required to have adequate protection against any legal action and workers’ compensation. Advertising injury liability guards you from slander or false advertising against your business.

Medical Payments

This coverage includes an injured party’s medical expenses, including dental expenses, physical rehabilitation, and any medical bills arising from a loss.

Tenants Legal Liability

Whether you’re an accountant or IT contractor, if you’re renting a property, your landlord requires indemnity coverage if the business owner or one of the employees causes physical damage to the building you are renting. This also covers bodily injury, property damage, medical payments, and advertising liability.

 

 

Directors & Officers Liability

This coverage is a great option if you have directors and other executives that run your company. If someone takes legal action against a director or officer, or their spouse, for wrongful actions, including defamation or wrongful dismissal, then a businesses’ legal fees would be covered.

Excess Liability

When you think your business will need general commercial liability insurance above and beyond the standard professional policy limits, excess liability is the coverage for you.

Business Interruption Insurance

If your business is hit by a flood or storm and you’re required to shut down, business interruption insurance covers specific expenses for the period you’re shut down, including your employee salaries.

Cyber Insurance

All businesses are at risk of a cyber disruption, whether it’s phishing, a password breach, or ransomware. Small businesses are no different, as their business operations present the same risks to cyber-attacks as a larger sized company. Why risk a devastating financial loss that could put you out of business.

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Discover the ideal coverage for your business, whatever industry or size it is. We have you covered.

Business Insurance Benefits

Access to an Independent broker

As a small business owner, it’s important to find a broker with knowledge of your market. At Link, we specialize in finding small to medium sized businesses competitive rates based on their specific business needs.

Focus on Your Business Needs

Every business has different insurance needs. As a business owner, you may want to consider policy options such as a business owners policy and workers compensation coverage, in addition to general liability and professional liability insurance.

Business Options

If you operate your small business in your home, we can offer you homeowners or renters insurance. We’ll make sure you’re adequately covered for liability, especially if you have clients visiting your home.

Find a Link Broker

We help you when it’s convenient for you. Get in touch with one of our mobile brokers, or visit us at one of our 9 locations in Alberta.
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Our Insurance Providers

We treat you like family. Since 1983, Link Insurance has partnered with some of the largest Canadian insurance companies to give you first-hand access to competitive rates and great customer service. Our skilled brokers will walk you through your insurance policy documents and translate the often-complicated insurance lingo.

Professional Liability Insurance

Errors and omissions insurance (E&O), also called professional liability insurance, is in place to protect your business from real or perceived financial loss. While it’s not covered under a standard business policy, we highly recommended this type of coverage for business owners. Businesses that require this type of coverage include health care practitioners, architects, and engineers.