Smart People. Smart Choice.

Words to live by.

Business can be unpredictable. That’s why you need to protect it with our exclusive SMART Business Insurance. Whether it’s home based, a retail store or a multi location business, large or small, we cover Commercial Buildings, Contractors & Equipment Liability, Course of Construction and more.

SMART Business

Your business is as unique and as individual as you are! That’s why we offer a full range of Business Insurance policies. Bring in your policy and we’ll check to make sure you have the right coverage for your situation.

  • Commercial Building Insurance
  • Small Business Packages
  • Commercial General Liability
  • Tenant Legal Liability
  • Contractors and Equipment Liability/Course of Construction
  • Special Events
  • Professional Liability
    1. Director & Officers
    2. Errors & Omissions
  • Retail Business
  • Office/Technical Business
  • Wholesale Business
  • Farming
  • Bonding
  • Manufacturing
  • Logging

Does your home insurance cover your home-based business?

Starting a home-based business can be the dream of a lifetime. And like most dreams, you start with small steps. If you’re an entrepreneur, that probably means a home based business. Many large companies started as home based businesses. For example, Jeff Bezos started Amazon from his garage. Steve Jobs and Steve Wozniak also started from a garage when they launched Apple. So did Microsoft, Disney and Google.

No matter what type of home based business it is, it’s a common mistake to think that all activities happening in your home are covered by your home insurance. That may not be true.

What does home insurance cover? 

Whether you’re a homeowner or a tenant, your home insurance generally covers damage or destruction to the home, personal property and includes personal liability in case of harm to others. Coverage may include some business property located at your home, but does not cover everything.

This is especially true for liability. Even though your home insurance protects you in case of property damage or physical injury to someone else, you are not covered if the damage occurs during the course of your business activities.

Commercial property 

Commercial property protection is critical to ensure your businesses future. Designed to protect the physical assets of your business against damage or loss from causes such as fire, earthquake, water, and vandalism. If you own or rent a space for your business, commercial property insurance can cover you for losses such as theft, damage of tools or equipment needing repair or replacement.

Types of property covered: 

  • Equipment
  • Inventory and supplies
  • Office furniture and fixtures
  • Computers and electronics
  • Personal property of employees while on site
  • Customer property at your site
  • Lighting
  • Windows
  • Outdoor signs
  • Fencing and landscaping
  • Tools and equipment in transit or used off site for business

Extended Coverage 

  • Errors and Omissions,
  • Social Engineering Fraud
  • Crime insurance

Our Insurance Experts can advise you about options for combining Business Insurance with Commercial property for complete coverage. Call 250-245-2268 or click below to find out more.

Enhanced coverage 

Business Interruption 

Business Interruption coverage replaces income lost if business is halted due to loss or damage from events such as fire or natural disaster. It also covers operating expenses, a move to a temporary location if needed, payroll, taxes and loan payments.

Commercial general liability insurance protects you and your business against claims for bodily injury and property damage, personal and advertising injury arising from your business operations, services or products or employees. Protection extends to legal costs to defend your business as well as indemnity costs to cover damages to third parties if you were sued.

Umbrella liability

Commercial umbrella liability insurance provides your business with additional liability coverage so you don’t have to worry about having to pay for a liability claim out of pocket when it exceeds the coverage limits of your primary policy

Errors and omissions liability coverage protects your business and your workers against claims of negligence or inadequate work. If a lawsuit is brought against you for damages that are covered by your policy, this protection would cover legal fees for your defence, whether or not you’re liable.

Directors and officers liability insurance covers damages involving mismanagement or wrongful acts committed in the performance of your duties, including:

  • breach of duty
  • errors and omissions,
  • misconduct,
  • negligence,
  • 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.


Commercial Crime insurance protects your business from workplace fraud and theft including: 

  • Employee Dishonesty;
  • Theft,
  • Robbery or Burglary;
  • Fraud or forgery

Add Cyber coverage to your policy to protect your business against loss of money, securities or other property when imposters manipulate employees via fraudulent emails or communications.

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