Not all business insurance policies include the same coverages. The coverages on your business insurance policy will depend on the type of business you operate and the risk exposure. A commercial insurance package can be custom created to suit your insurance needs. Coverage for buildings or business personal property can be added to business insurance policies for businesses that require it. Depending on your business, you may want to consider coverage for flood or cyber insurance. An important coverage that all businesses in Alberta should consider is liability insurance.

The cost of business insurance in Alberta varies by each industry and business operations. The risk exposure changes with different industries, thus influencing the cost of the business insurance. Other contributing factors to business insurance cost in Albert include the coverage limits, claims history and size of the company.

You can buy Alberta Business Insurance by calling our Alberta Business Insurance Advisors at 1-888-259-2747 or visit a Westland branch. Westland has many locations throughout Alberta, including Books, Calgary, Coaldale, Grande Prairie, High Prairie, Hythe, Lethbridge, Medicine Hat, Red Deer, Stettler, Valleyview and Sundre.

You can request a Westland business insurance quote online with  our quote request form.  Westland does not publish rates or sell insurance online. We review each business individually to ensure we provide the best coverage to meet the needs of the business. Call -1888-259-2747 to request a business insurance quote by phone.

Business contents insurance, also known as Business Personal Property Insurance, can offer coverage for your equipment and contents on your premise. Some business property, such as tools which are taken off premise, need to be added as an additional endorsement. It is important to discuss your business personal property insurance needs with your broker to ensure you purchase adequate coverage.

A business insurance deductible is the amount the insured pays towards the loss in the event of a claim. Some business insurance coverages have deductibles and some do not. A deductible typically applies to most property claims. It is important to review your policy and your policy wordings to understand when your deductible applies. It is also important to discuss the different business insurance deductible options with your broker.  Sometimes increasing your deductible can reduce your business insurance premium.

Business Insurance is not automatically included with home insurance policies. If you operate a home based business with minimal risk exposure, you may be able to add coverage to your home insurance policy. It is important to advise your home insurance broker if any business operation occurs in the home.

You can request a Confirmation of Insurance by emailing your Insurance Advisor or the branch where purchased your business insurance policy. Visit Alberta Insurance locations for a list of offices and their email addresses.

The amount of business insurance you need will depend on the type of business, the amount of property and the liability exposure. You may also require higher limits of liability depending on contracts or agreements you are entering with other businesses. For example, a contractor doing work for a city within Alberta will need to proof they have a certain limit of liability coverage. To ensure you have adequate business insurance coverage, it is recommended to review your insurance needs with your insurance broker.