Liability Insurance FAQ's

To get a Confirmation of Insurance for Commercial General Liability you can email or call your broker to send one to you or to the company requesting the confirmation of coverage. If you are insured with Westland, you can email contactus@westlandinsurance.ca to request the confirmation of insurance. If you do not have liability insurance for your BC Business, you can request liability insurance quote by calling 1-800-899-3093 or request a liability insurance quote online. 

To have coverage for business tools, you will need to specifically add Tools Floater coverage to your Commercial Insurance Policy.   

The average cost of liability insurance in BC varies depending on the industry in which the business operates, the business operations and  the size of the business. The average cost of Liability Insurance can vary from around $1000 all the way up to hundreds of thousands depending on the operations taking place. The best way to find out the average cost of liability insurance for your industry and operations is to talk to one of our business insurance specialists.

You can request a business liability insurance quote online through our quote request form. We want to make sure you have the proper coverage for your business which is why we want to communicate directly with you regarding your business operations and requirements.   

Westland Insurance provides customizable commercial liability insurance options.  A Westland broker can guide you through the process to find the best coverage to meet your needs. Contact us today at 1-800-899-3093.

All businesses should have liability insurance. Something as simple as an customer slipping and falling could destroy a business if they do not have proper protection in place. Even if the business is not found liable, defense costs can add up quickly!

The short answer is yes, all businesses no matter the size, should have liability coverage. The coverages and cost of small business liability insurance will depend on the size of the business and the operation. Learn more about small business insurance BC.

Product Liability Insurance provides coverage for claims made against you which originate from products sold or supplied by your business.

Yes, contractors require liability insurance. Liability Insurance will protect them against any bodily injury or property damage claims made against them due to their negligence. It is commonly mistaken that sub-contractors are covered under the General Contractors insurance.   

Professional Liability Insurance is a separate policy and is not automatically included with Commercial General Liability Insurance. If you are a health care professional, a lawyer, accountant or provide another type of service, we recommend discussing Professional Liability Insurance options with your broker. Call 1-800-899-3093 for a Professional Liability Insurance quote.

Third Party Liability is the one coverage typically included on most automobile insurance policies. It is important to choose a liability limit that will provide enough coverage in the event you are held liable for an injury or damage.

An example of Third Party Liability protection would be if you or an insured driver of your car was responsible for a car accident that caused serious injuries to people or damage to the other car. If you were liable (responsible) for paying $500,000 in damages with a court case, your insurance would cover those costs and the cost of your lawyer.

ICBC includes $200,000 liability insurance in BC with their Basic Autoplan coverage.

To learn more please click here or contact your Westland Insurance broker.