What is business insurance?
Business insurance helps Manitoba companies stay resilient when faced with unexpected challenges, from property damage to liability claims or cyber incidents. The right coverage helps protect your assets, employees, and operations so you can keep your business moving forward.
At Westland, we’ve supported Manitoba businesses for over 40 years. Our advisors understand the province’s unique risks, from flood-prone regions to supply chain disruptions and seasonal extremes. We’ll design a protection plan that fits your business and your future.
What does business insurance cover?
From severe weather to third-party claims, Westland’s business insurance provides comprehensive protection for Manitoba businesses.
View claims examples
Commercial property
We protect your building, equipment, and stock against damage from fire, theft, or storms. Whether you own or lease your space, we’ll make sure your property and assets are covered.
General liability
If someone is injured or their property is damaged because of your business operations, liability insurance helps cover legal fees, settlements, and judgments, so one incident doesn’t derail your business.
Business interruption
If an insured event forces your business to close temporarily, business interruption coverage replaces lost income and helps pay fixed expenses until you’re back up and running.
Commercial auto
From delivery vans to company trucks, this coverage protects your vehicles from collisions, theft, and third-party liability on Manitoba’s roads.
Professional liability
Also called errors and omissions (E&O) insurance, this coverage protects professionals and consultants against claims of negligence or mistakes that lead to financial loss.
Cyber insurance
Cyberattacks can happen anywhere, even for small businesses. Cyber insurance helps cover data breaches, ransomware, phishing, and privacy violations.
Why choose Westland for business insurance in Manitoba
Doing business in Manitoba means being ready for anything, from harsh winters to shifting markets. Here’s why companies across the province choose Westland.
Local advisors, local insight
We live and work in the same communities you do. Our Manitoba-based advisors understand the risks and trends that affect your business.
Easy, accessible service
We make insurance simple. Whether you prefer online quotes or in-person conversations, we’re here to help you every step of the way.
Tailored coverage that fits your budget
We partner with leading insurers across Canada to find competitive coverage options that protect your business without overpaying.
Industry expertise
From agriculture to construction, we know the challenges Manitoba businesses face and build policies that reflect them.
Claims support when you need it most
If a loss happens, our dedicated claims team advocates on your behalf to help you recover quickly and with minimal disruption.
Proactive risk management
Our advisors help you understand and reduce your risks, so your business can stay strong through every season.
Community commitment
Westland is proud to support communities throughout Manitoba, funding projects that make a local impact.
Comprehensive protection, one provider
We’ll handle all your business insurance needs in one place, from property and liability to cyber, auto, and specialty coverage.
Protecting businesses since 1980
For more than 40 years, we’ve helped Manitoba businesses protect what matters most with coverage that evolves with your needs.
Coverage in action: claims from across Manitoba
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Property damage
A spring flood damages your shop’s flooring and inventory.
Business insurance helps cover repairs and replacement costs.
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Liability claim
A customer slips on icy steps outside your Winnipeg office.
Your coverage helps with legal costs and settlements.
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Business interruption
A power outage forces your restaurant in Brandon to close for several days.
Business interruption coverage replaces lost income during the downtime.
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Commercial auto accident
A delivery truck is involved in an accident on the Perimeter Highway.
Commercial auto coverage helps pay for repairs and liability claims.
Explore our commercial insurance products and industries of expertise in Manitoba
Frequently asked business insurance questions
Business insurance covers many risks, but not everything. Wear and tear, intentional damage, and gradual deterioration aren’t included. Manitoba businesses may also need extra protection for flooding, sewer backup, or equipment breakdowns, which can be added to your policy.
Yes. Even small or home-based businesses face risks that could lead to major financial losses. A single fire, lawsuit, or cyber event could interrupt your operations. Business insurance helps protect your income and assets, so you can keep moving forward with confidence.
If something happens, take photos or videos of the damage and contact your Westland advisor as soon as possible. We’ll guide you through the claim, work with your insurer, and ensure a seamless process.
The cost of coverage depends on factors like your business size, location, industry, and claims history. Rural businesses may have different risk profiles than urban ones. Westland works with multiple insurers to find the right balance of coverage and cost.
Some coverages are mandatory. If your business uses vehicles, you’ll need commercial auto insurance through Manitoba Public Insurance (MPI). Employers may also be required to register with the Workers Compensation Board (WCB). Other coverages, like property or liability, may be required by contracts or leases.
Not always. Most home insurance policies exclude business equipment and liability. You may need a home-based business endorsement or separate commercial policy to ensure full protection.
Standard business insurance doesn’t fully cover cyber threats. Westland’s dedicated cyber coverage helps protect against data breaches, phishing, ransomware, and privacy violations, plus includes proactive tools like continuous monitoring and threat prevention.
News and insights
Buy business insurance in Manitoba with confidence
No matter the size or industry, your business deserves reliable insurance coverage. At Westland Insurance, our local advisors in Manitoba are ready to assist you in finding the best commercial insurance solutions. Get started today!
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