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Business Insurance BC

Commercial Insurance

Every business has unique risks. Have our commercial insurance specialists create a customized insurance solution for your business.

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Liability Insurance

Protect your business from potentially devastating legal liability costs including legal defense costs with one of our comprehensive liability insurance program.

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Small Business Insurance

As a small business owner you have unique needs. Our expert brokers will guide you every step of the way to ensure that you are adequately covered.

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Fleet Insurance Services

We have a dedicated and specialized team that can help you insure your fleet.

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Small Contractors

We work closely with our clients to make sure coverage is customized to each contractor's unique needs and exposures. We have commercial packages built for sub-contractors and small contractors.

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Contractors

Contractors and General Contractors need coverage specific to their unique needs and we can help. We insure a wide variety of specialty contractors insurance. Our Brokers make sure you're covered.

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D&O

Directors and Officers

Directors, Officers and Executives can face personal liability exposure for alleged “wrongful acts” arising from their actions and executive decisions. Our Brokers make sure you're covered.

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Cyber-Insurance

Cyber Insurance

Internet related risks are increasing. We can help you analyze your risk and get the proper cyber insurance protection for your business.

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Construction Insurance

From high rise towers to cabins, our insurance plans reduce risks on construction projects of all sizes.

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Care Providers Insurance

Protecting those who provide Senior Care and Retirement Living is an important part of specialized insurance program for care providers.

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Church Insurance

With over 35 years experience, we understand the unique risks faced by Churches and other faith based organizations. Ask about our specialized insurance program for such organizations.

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Community Living Association Insurance

Insurance coverage specific for organizations that advocate for and provide support to clients who have specific needs or challenges.

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Hospitality Insurance

Hotels, breweries, pubs, cafes, and restaurants all benefit from tailored hospitality insurance coverage.

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School Insurance

We offer an exclusive insurance program specifically designed for those providing educational service s including independent schools and private post-secondary sector.

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Winery Insurance

The factors that make each wine different also make each winery precious too.

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Equestrian Insurance

Ask us about Equine insurance coverage for breeders, trainers, coaches, individual horse owners, farms, and other equestrian business facilities.

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Frequently Asked Questions

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Q: How much business insurance do I need?

How much business insurance you require will depend on a number of factors pertaining to your business. A Westland InsuranceCommercial Insurance Advisor can help you assess the amount of coverage required.
Q: How much does business insurance cost?

The cost of business insurance varies based on gross revenues of the business, the risk and the limits of insurance. There are additional coverage's that can be added to a Commercial Insurance Package, such as a Tools Floater and Cyber Insurance. These coverage's can increase the cost but expand coverage and reduce risk.
Q: How do I buy business insurance?

Business insurance can easily be purchased over the phone at 1-800-899-3093 or you can request a quote online.
Q: Why should I buy business insurance?

A commercial insurance can protect the financial stability of your business should a liability claim arise against you. A policy can also include coverage for buildings, contents and loss of business income.
Q: What does business insurance cover?

Business insurance can be completely customized to cover all of your company’s exposures. Most businesses have Commercial General Liability insurance as well as Commercial Insurance for Business Personal Property.
Q: What is commercial business insurance?

The terms Commercial Insurance and business insurance are often uses interchangeably and referring to the same type of insurance policy.
Q: What is a CGL?

CGL stands for Commercial General Liability. To learn more about liability insurance for businesses in BC visit Commercial General Liability.
Q: What is D&O Insurance?

D&O insurance policies offer liability cover for company directors and officers to protect them from claims which may arise from the decisions and actions taken within the scope of their regular duties.
Q: Can you pay business insurance monthly?

Many business insurance policies can be paid monthly. Ask one of our Commercial Insurance Advisors for details.
Q: What is business interruption insurance?

Business Interruption Insurance provides your company with the financial assistance necessary while you are going through a claim and not generating revenue.
Q: What is business income insurance?

Business income insurance is the same coverage as business interruption. It provides protection for a company’s loss of income due to an insured loss.
Q: Does business insurance cover tools?

Tools are not automatically included in all business insurance policies. You should double check with your Insurance Advisor to ensure you have proper coverage. To request a quote for your tools please call 1-800-899-3093 or request a quote online.
Q: Do I need business insurance on my car?

Even if you do not own a business, if you use your car for business purposes or during the course of your workday you should talk to one of our Autoplan insurance advisors about business insurance, Artisan Insurance or Delivery insurance for your car.
Q: What is the difference between Business insurance and Liability insurance?

Liability insurance coverage is a standard coverage included within a business insurance policy. A business insurance package may also include coverages for a building, business personal property and much more.
Q: What is the difference between Business insurance and Personal insurance?

Business insurance provides cover for the operations performed by your company and its employees. Personal Insurance provides coverage for you and your family. For more information on Commercial visit Commercial Insurance BC. For more information on Personal Insurance visit Home Insurance BC.
Q: Where can I buy a business insurance bond?

Westland Insurance has a team of agents who can assist your company with your bonding needs. Call 1-800-899-3093 or visit Contract Surety.
Q: Do I need business insurance for my home based business?

If you have a home based business you should have liability and coverage for your business personal property. You may be able to add this coverage to your Home Insurance policy. Contact your Westland Insurance broker to enquire.
Q: Where can I get a business insurance certificate of insurance?

If you have your business insurance with Westland, please contact your Insurance Advisor or email commercial@westlandinsurance.ca and they can issue a Certificate of Insurance (COI).
Q: What is a business insurance deductible?

If a claim occurs, a deductible is the portion of the loss that the insured is responsible to pay.
Q: What is Errors and omissions Insurance (E&O)/Professional Liability ?

E&O or Professional Liability Insurance protects you or your business in the event that a client holds you responsible for a professional service or advice that they believe didn’t perform as promised. Visit BC Liability Insurance for more information.
How can I get business insurance quotes online?

At Westland Insurance we provide insurance products unique to our customers needs. We communicate with the business to determine the best commercial insurance products for the individual business rather than a "one size fits most" type of policy. A business insurance quote can be requested online through our quote request form.