BUSINESS INSURANCE
Your business is your livelihood. Protect your buildings, equipment, stock and liability to ensure continuation of your operations after a loss.
Typical business insurance policies provide coverage for equipment such as furniture, computers and stock from such perils as fire, water & smoke, theft, etc. It will be based on Replacement Cost and be subject to a deductible, usually $500 or $1000.
The policy will also include Liability coverage to protect you from litigation due to injury or damage you cause to other parties such as your customers, product users and your landlord. Legal defence costs are also included.
Your business may also require these coverages:
♦ Business Interruption: to ensure continued income after a fire or other peril closes your business. Your business may have to close but you may still have to pay rent and sometimes keep key personnel; this insurance will cover those ongoing expenses.
♦ Boiler & Machinery: to cover heating, refrigeration and air conditioning equipment from breakdown.
♦ Computer Breakdown coverage
♦ Hold-up/Robbery: for theft or disappearance of cash and employee dishonesty
♦ Valuable Papers/Accounts Receivables
♦ Professional Liability: to protect you from lawsuits for errors and ommissions
♦ Products Liability: if your product injures a consumer and you are sued
♦ Cargo/Marine: to cover shipment of goods — domestic or overseas
We specialize in insurance plans for these types of businesses:
♦ Restaurants
♦ Commercial Building owners (apartments, office buildings)
♦ Tour/Travel companies
♦ Automobile Repair Garages
♦ Retail stores
♦ Wholesalers & Distributors
♦ Beauty Salons
♦ Offices
♦ Gardeners, Landscapers
♦ Contractors, Tradesmen
♦ Construction Projects, New Home Construction
We can customize any policy to suit your needs. If you would like a quote for your business insurance, just give us a call and we’ll get some information from you or email you a questionnaire. We can usually quote within a day or two. Call Ms. Mami Nishio at 604-876-7999 or email: info@kamiinsurance.com
