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.
Contractor Professions We Cover
- Accounting
- Acoustical tile installation
- Air conditioning shop – No plumbing, heating or gas fitting
- Aluminum, vinyl and similar siding sales and installation
- Appliance store (installation and repair receipts over 25%)
- Appliance store (installation and repair receipts under 25%)
- Auto accessories store
- Awning and canopy sales and installation – No manufacturing or processing
- Bake shop (retail sales only)
- Barber shop
- Barber shop and/or beauty parlor supply store
- Barn and stockyard cleaning
- Basket, willow and wicker ware store
- Beauty parlor
- Bedding store
- Beer and wine making store
- Beverage store (non-alcoholic)
- Book and/or stationery store
- Building construction, renovations, alterations and repairs (excluding new home builders)
- Butcher shop
- Cable and/or conduit installation or repair
- Candy store
- Carpentry contractor (excluding woodworking shop or cabinet making)
- Carpet and rug store
- Carpet, rug and upholstery cleaning
- Cement and concrete contractor
- Ceramics store
- Chimney sweeping
- China and glassware store
- Chiropractor
- Clothing store
- Computer sales and service (installation and repair receipts under 25%)
- Confectionery (excluding fuel sales)
- Copying and duplicating centres
- Curtain, drapery and blind store
- Delicatessen
- Dental laboratory
- Dental supplies and equipment store
- Dentist
- Doctor
- Dollar store
- Door/window construction and installation shop
- Drapery, curtain and blind store
- Driveway, sidewalk and patio construction (paving stone only)
- Druggist/drug store
- Dry cleaning (receiving depot)
- Dry goods store
- Drywalling, plastering and lathing
- Duct cleaning services
- Eavestroughing
- Electrical contractor
- Electrical equipment and supplies store
- Electronic games and equipment store
- Fabric store
- Fence construction
- Fish market
- Fish tackle supply store
- Floor covering sales and/or installation (installation receipts over 25%)
- Floor covering sales and/or installation (installation receipts under 25%)
- Floor sanding
- Florist (excluding greenhouses)
- Frozen foods and desserts
- Fruit and vegetable store
- Funeral home/chapel
- Furniture store (sales only)
- General store
- Gift shop
- Glazier shop
- Greeting card store
- Grocery store
- Haberdasher store
- Hardware store (installation receipts over 25%)
- Hardware store (installation receipts under 25%)
- Hearing aid supplies store
- Home furnishings and fixtures store (installation receipts over 25%)
- Home furnishings and fixtures store (installation receipts under 25%)
- Housewares store
- Ice cream/frozen dessert (manufacturing and sales)
- Insulation contractor (excluding removal of specified products)
- Insurance Offices
- Janitorial service
- Kitchen and bath accessories store
- Landscaping
- Lawn and garden supplies store
- Lawyer
- Leather goods and luggage store
- Lighting fixtures and accessories store
- Locksmith shop (installation receipts over 25%)
- Locksmith shop (installation receipts under 25%)
- Mail and catalogue order house
- Mailing and addressing services
- Masonry (including bricklaying, stonework and stucco)
- Meat, fish and poultry store
- Millinery store
- Musical instrument store
- Office equipment and furniture store
- Office machine installation and repair shop
- Optical lab
- Optical store
- Optometrist
- Paint and wallpaper supplies store
- Painting and decorating
- Pet grooming
- Pet shop
- Photo lab
- Photographer’s and camera supplies store
- Photographer’s portrait studio
- Printing supplies store
- Refrigeration equipment store
- Refrigeration shop
- Religious goods store
- Satellite dish, television and radio antenna installation
- Sewer and drain cleaning service
- Sewing machine sales and service
- Shoe and luggage repair shop
- Shoe store (excluding repair)
- Sporting goods store (excluding guns and/or ammunition)
- Stationery and office supplies store
- Tailor and/or seamstress shop
- Tobacco and Alcohol Limitation applies
- Trophy shop
- Vacuum cleaner sales, service, repair and installation (installation, service and repair receipts under 25%)
- Veterinary Clinic
- Veterinary supplies store
- Water conditioning equipment store (installation receipts under 25%)
- Wig and toupee shop
- Wool shop
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
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.
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.
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.