Commercial Insurance

We have been serving the Kelowna Valley for over 60 years. Contact us for complete insurance for your home, condo, and more.  We are here to help you find the best policy.

Home-Based Businesses

One of the fastest growing markets today is the home-based business. Residential policies do not provide coverage for businesses operating from home. We offer home office insurance extensions to eligible business classifications to bridge the gap between your residential policy and the needs of your small, commercial business.

Course of Construction

From large, commercial building projects to your vacation cottage, construction insurance is available to you. Make sure you are covered and begin your course of construction policy before the foundation is poured.

Whether your construction project is a “spec” home, intended to be sold, or will become your primary residence, we have markets available to provide you with coverage.

Farms/Orchards/Specialty Livestock

Whether yours is a small, one-acre hobby farm or a larger commercial farm, we have several markets available to you. Also available are markets to insure your specialty livestock including ostriches and emus.

Commercial Property & Liability

We represent several large, reputable commercial insurers who can place coverage on a wide variety of commercial exposures. Your commercial risk is safe with our experienced team of commercial insurance producers.

Commercial General Liability provides coverage to a business for bodily injury, personal injury, and property damage caused by the business’ operations, products, or injury that occurs on the business’ premises and operations away from their premises. Commercial general liability, or CGL, is considered comprehensive business insurance, though it does not cover all risks that a business may face.

Commercial Property Insurance is used to cover any type of commercial property. Commercial property insurance protects contents, stock and/or equipment from such perils as fire, theft and natural disaster. This type of insurance is carried by a variety of businesses, including manufacturers, retailers, service-oriented businesses and not-for-profit organizations.

Wineries

Winemaking insurance is specifically designed to protect British Columbia vintners throughout the entire winemaking process from grape growing to market-ready, bottled product.

All risk replacement cost coverage includes buildings, stock, equipment, and contractors / farming equipment. Irrigation systems, boilers, and machinery are all items addressed in this package.

Additionally, commercial liability, business interruption coverage, as well as products and completed operations liability (including shipping damages and bottling procedures) are included in our basic policy.

We are pleased to offer an excellent insurance package policy at a very competitive rate.

Golf Courses

Our golf insurance package is designed to provide protection for golf course operators in British Columbia. Protect your golf resort, clubhouse, bar, and convention centre under one insurance policy.

All risk replacement cost coverage protects your buildings, stock, equipment, contractors equipment, and irrigation systems. Also included in the basic package are provisions for liability, mechanical breakdown, and business interruption. If opening is delayed, the greens and fairways coverage protects against loss of income.

Manufacturing

We can tailor coverages to meet your unique needs so that you can concentrate on your business knowing you have the right protection.  Some of the exposures facing manufacturers include product liability and product recalls, equipment breakdown, cargo insurance and fluctuating raw and finished goods exposure.  Let us review your business interruption and contingent business interruption requirements.

Bonding

A bond is a form of insurance that protects your business against potential losses caused by internal fraud, theft, or incompetence. If mistakes are made by your employees that result in losses for your client, restitution for damages is paid by your insurance company. Some businesses are required by law to purchase bonding insurance, and others do so to increase their business’ credibility. We offer Contract Bonds, Fidelity Bonds & Miscellaneous Bonds.

Event Liability

Short term and long term liability and/or property policies available for Special Events, Performers, Weddings/Reception, Exhibitor/Vendor Booth or Kiosk, Hole in One events, Farmer’s Market Kiosk or contents in storage.

Sports and Fitness Liability

We offer coverage for:

  • Health Clubs
  • Personal Training Studios
  • Martial Arts Studios
  • Beauty/Esthetics/Spa
  • Tanning Salons
  • Dance Studios

and more.

 

Restaurants

Adequate restaurant insurance to help take the worry out of a variety of exposures faced by restaurant owners.  We can assist you with your property and contents, crime, equipment breakdown including food spoilage and business interruption insurance.  Restaurants, pubs, cafes and food trucks, we can assist you.

Contractors Packages

Whether you are an owner, general contractor or subcontractor, we can help you protect yourself.  Aside from the property coverage we offer Contractor’s Commercial General Liability, project specific Wrap-up Liability Insurance and the builder’s risk Course of Construction.