Small Business Insurance – British Columbia

Whether you’re thinking of starting your first business or have taken over the family business, having the right commercial insurance in place is vital. Small businesses have different priorities and risks in comparison to large scale companies. Small business owners wear a lot of hats, including accountant, front of house staff, and owner.  Accidental losses can unexpectedly arise from many different risks. Small business insurance mitigates those risks and provides the peace of mind that your business is covered, so you’re able to focus on what’s essential for your small business.   Let our expert insurance advisors help you find the right coverage.

As your local insurance experts for over 40 years, we know that each business in BC is unique in its own way. From family run businesses supporting the community in Surrey to those taking the leap and opening their first ecofriendly lifestyle boutique in downtown Vancouver, and other small businesses in between, we’ve got you covered. With all it has to offer, it’s not hard to understand why so many people decide to set up shop in BC. And with 100 locations across the province, there’s sure to be a Westland location near you.

We understand it’s vital to protect what’s most important to you and your business. Our expert insurance advisors are here to ensure you’re protected and provide peace of mind so you can focus on nurturing your business for the future.

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Big insurance solutions for small businesses in British Columbia

Whether you own a generational family run business or your dream startup, you’ve worked hard to build your business. Now let's ensure it's protected.

Ease & convenience

We make it easy for you to access the best insurance solutions for your business, and we’re always there for you when you need us

Best value

We leverage our network of insurers to provide you with peace of mind that you’re receiving the best coverage, at the right price

Experience & expertise

We make it easy for you to access the best insurance solutions for your business, and we’re always there for you when you need us

Access to markets

Our access to national and international insurance capacity guarantees world-class protection, tailored to meet your needs


If you experience a loss, we’ll be there for you. Westland has a dedicated claims department providing unrivaled expertise and advocacy


We're committed to giving back. Our Amplifying Communities initiative supports community projects across BC and all of Canada

Why Choose Westland?

We know that your commercial insurance needs to match your goals, your business and your budget. Our expert commercial insurance advisors get to know you and your business, so that they can tailor a policy to your exact needs. We’ll find the best coverage for you at the right price so that you can continue to live your life the way you want to.

Insurance can be complex sometimes. Let our expert insurance advisors do the heavy lifting! We’ll help you find a policy that you feel is the best fit and provides peace of mind. To learn more about the benefits of being a Westland client, Click here.

Small Business Insurance Explained

Small business insurance provides coverage and peace of mind that your business will be protected in the event of the unexpected. Whether you have three employees or 43, your small business is exposed to the same risks. Property damage, theft, and liability can have detrimental effects to the continuation of your business. We’ll work with you to tailor coverages to fit the needs of your small business.

No matter the industry, our Commercial Insurance advisors will quickly determine the risks your business may face and the potential financial losses that could leave your business in a vulnerable position.

The major coverage items included in a small business insurance policy are:

  • Business Liability
    Liability is the financial responsibility of your business resulting from damage that’s caused to property or bodily injury of a third party. Whether your company has four employees or 40, every business runs the risk of being responsible for damage or injury to other. Think of it as your business’s first line of defense. To learn more about liability insurance, click here.
  • Business Property
    Business property insurance provides business owners with protection for the most critical physical assets of their business and, in turn, peace of mind to keep their business running. The unexpected can happen, and business property coverage looks after protecting your assets if there’s a loss. To learn more about business property insurance, click here.
  • Business Interruption
    A vital element of commercial insurance is the timeline between a loss occurring and greeting clients back to your business. That’s where business interruption coverage comes into play. Your business’s downtime can be covered, so the financial impact of being closed isn’t detrimental to the company you’ve worked hard to build. Business Interruption insurance goes hand in hand with your Property coverage. To learn more about business interruption insurance, click here.

We know that every business is different, which means your risk will vary compared to neighboring companies. We’ll take the time to understand your small business and ensure you have the right amount of coverage so you can focus on what’s most important.

Regardless of industry, business type, or earnings, all businesses are at risk of having an unexpected loss. As a business owner, it’s wise to have your risks well covered off with the support of a tailored insurance policy.

We can help with your auto insurance needs too! Connect with us today to ensure you’re covered out on the road.

How Much Does Small Business Insurance Cost in BC?

Just as businesses differ across the province, so do the risks and exposures which impact the cost. The following factors will impact the cost of your commercial coverage:

  • Industry
  • Claims History
  • Number of Employees
  • Revenue
  • Exposure to Risk
  • Location of Business
  • Building Construction

Review Your Insurance and Get a Quote with Westland

Ready to discuss your insurance needs? Our expert advisors are here to review your current insurance policies, discuss your unique risks and operations, and find the perfect insurance policy for your business. Whether it’s over email, the phone or in person we are ready to help! To get started on a quote now and see price estimates for your business coverage, click the button below. Our advisors will contact you right away and help navigate your risk management needs. Of course, we are always available to talk over the phone or in person. Check out our locations page to connect with an office closest to you!

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Claims Example

Break and enters are some of the most common claims we see when it comes to small businesses. For example, a retail store opens in the morning only to see that a brick was thrown through their front window. Property such as computer equipment and cash can be most at risk for break and enters. The right small business insurance policy will help mitigate these risks and get you back to your normal as quickly as possible.

Our goal is to find the best coverage for your business so you can focus on what’s important. To learn more about being a Westland client, click here.

5 BC Small Business Facts

  1. British Columbia has a solid small business sector, with 98% of all businesses in the province and over one million people employed.
  2. BC ranks first in the country for small businesses (per capita), with 84.2 businesses per 1,000 people.
  3. Over 37% of self-employed people are women, making BC the second-highest rate of women-led businesses in the country.
  4. BC led the country in the number of small businesses per capita in 2019.
  5. 37% of all small businesses in BC have 50 or fewer employees.
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Whether you’re looking for insurance for your first home or wanting to discuss your existing policy, our team is ready to help. Connect with us today.

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