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Small Business Insurance in BC

Since 1980,  Westland Insurance Group has been providing comprehensive insurance solutions that customers can depend on.

Westland Insurance specializes in small business insurance plans for a wide array of industries; everything from retail and school insurance to restaurant business insurance and insurance for dry cleaner and winery businesses.

Every business is unique so it’s important to have the right small business insurance package. Vancouver business owners, as well as business owners in Victoria, and the rest of BC, can trust Westland to find them the level of business insurance protection they need, at an affordable price. Westland has access to a variety of markets and can customize small business insurance packages specific to your business insurance needs.

Do You Have the Right Small Business Insurance policy?

Depending on your business, you may need special types of business insurance coverage. When it comes to insurance, BC business owners need to ensure that they are properly covered, including property insurance, contents insurance and Liability Insurance Coverage.

Property insurance protects your company’s assets, including any buildings or garages you use in the operation of your business. It also covers the equipment inside the buildings. This type of coverage protects you from theft, fire, explosions, accidents and acts of nature. 

Contents insurance coverage extends to any equipment (like computers, printers and photo-copiers) you might have that would not be covered otherwise.

Note: If you run a small business from home,
it’s important to have contents coverage for work-related equipment.
You may not be protected under your standard homeowner’s policy.

At Westland we advise our insurance clients to take their time in assessing property and equipment values, so if they ever need to recover these items, they’ll be fairly compensated.

What additional coverage should small businesses consider?

Typically small business insurance in Canada covers other areas of property protection you may not have considered:

Computer virus: Important data can be lost if your system has been infected with a virus. 

Undamaged stock: If your company has suffered an unexpected theft or fire, some of your stock might have been spared. However, if companion products were damaged, they may no longer be marketable. 

Records and data: Records that have been destroyed or lost take time and money to recover. 

Off-premise: Taking company-owned equipment to trade shows or other installations has its own set of risks.

Along with property and contents protection, small business owners also need liability insurance. Most   small business insurance plans will include both. 

Small Business Insurance Claims

Many small business owners believe fire damage is the most common type of claims for small businesses. Although fires do occur, the most common claim small businesses experience is business property damage caused by water. About 70% of property claims result from water damage. For example, one of our clients owns a retail store and they recently experienced water damage to the building. The water not only damaged a large amount of their stock but also did significant damage to their tenants improvements for their retail space. Their policy also paid out for business interruption for the period of time the business was closed due to the water damage. A little bit of water can result in a large claim!

One type of claim that is on the rise, is theft of tools and materials from vehicles and job sites, even when the tools are secured in a lock box. Often businesses will have materials such as flooring, cabinets and appliances, on job sites for a couple days before they are installed.  It is becoming common for the materials to go missing within a day or two of delivery. If the materials are not yet installed, then they are not insured under the building insurance policy.

Talk to Westland about a BC Small Business Insurance quote

Westland Insurance Group specializes in providing business insurance that Vancouver small business owners can have confidence in. For a small Business Insurance Quote, call us today toll free at 1-800-899-3093 

We have a knowledgeable team of Insurance Advisors who specialize in Small Business Insurance Quotes. Give us a call today!

You can also come to one of our many BC Insurance Locations or use our website to get Small Business Insurance Quotes Online.

 Types of Business Insurance in BC


Westland Insurance 
BC Insurance locations include... 
Vancouver, Victoria, North Van, Whistler, Squamish, Sechelt, Dawson Creek
Langley, Ladner, Surrey White Rock, Coquitlam, Delta, Burnaby, New Westminster, Tsawwassen,
Abbotsford, Chilliwack, Princeton, Penticton, Kelowna, Kamloops, Vernon, Cranbrook

 Contact Westland Insurance for your small business insurance quote!