Commercial Insurance from Insureline
How We Work
We learn about your insurance needs
We shop insurers for the best deal
Select the best offer - Done!
Protect Your Business with the Right Policy
Starting a business comes with enough risk as it is—you shouldn’t also leave your assets unprotected in the event of an unforeseen situation. Commercial insurance can protect your business property, give you peace of mind if an incident occurs on your premises, and more.
Insureline finds the most cost-effective commercial insurance policies for your business—so you can focus on growing it successfully.
What Makes Us Great
Local to Alberta
No 1-800 call centre numbers or impersonal customer experience encounters…
with us—we don’t outsource anything at Insureline Complete. Our team understands how insurance in Alberta works because we are local and understand how our market works.
Commodity Driven
Our unparalleled market access gives us a wider variety of providers and products to choose…
from. More variety makes it easier for us to find you the best deal on the coverage you need.
Price Sensitive
Choosing your coverage carefully can save you thousands of dollars—which is why we work…
hard to find you the most cost-effective policies for home, auto, and commercial insurance.
Service Oriented
We build relationships with our clients. In addition to finding the best policies for your insurance…
needs, we can educate you about different kinds of coverage. We also partner with other local professional providers (like mortgage brokers and realtors). We are very well connected in the community and like to consider ourselves a central hub for our clients who need access to other financial products and services.
Frequently Asked Questions
Do I Have to Get Commercial Insurance for My Business?
While insurance is not technically required to run a business, it is a worthwhile investment—especially if you see your business becoming more valuable over time. The bigger you get, the more severely an incident or lawsuit can affect you—so making sure you’re protected is essential. Consider it part of your comprehensive risk management strategy.
What Factors Affect Commercial Insurance Costs?
Commercial insurance costs will depend on numerous factors, including:
- Your claims history
- Financial history
- Your business location
- Your number of employees
- The annual income of your business
- The risk involved with your operations
Because of this, estimating the costs of commercial insurance without talking to a broker can be extremely difficult. Use our online tool to get a general idea of the price range you might be looking at, then speak with one of our members so they can take time to understand your needs and find cost-effective coverage that matches.
What Will Commercial Insurance Cover?
Several different types of commercial insurance exist. Most businesses seek out the following
kinds:
- Commercial General Liability Insurance: this type of coverage applies to lawsuits or claims filed against your business after a third party alleges damages or injuries resulting from your operations.
- Professional Liability Insurance: this kind of insurance protects your business against claims of misconduct or negligence (including failure to deliver services as advertised)
- Product Liability Insurance: this type of insurance provides coverage for damages or injuries caused by your products.
- Commercial Vehicle Insurance: this type of insurance provides coverage for your business’s fleet of vehicles.
The details of your coverage for any of the above will change depending on your policy and insurance provider. That’s why using Insureline to find you the most cost-effective options and help you understand them is the best way to make sure you get coverage that fits the situations your business is most likely to face.
How Is Commercial Insurance Structured?
When it comes to covering business property, most commercial insurance is structured in one of the following two ways:
- Actual cash value: this type of insurance covers the value of your assets after accounting for depreciation. Premiums for this type of coverage are typically lower than for other types, but you may not receive as much money for damage to older equipment or other business property.
- Replacement cost: this type of insurance covers the value of your assets without taking depreciation into account. This usually makes restoring or replacing your business property easier, but may come with higher premiums than actual cash value policies.
Speaking with Insureline about the type of property your business needs to protect is the most effective way to find out what kind of policy will serve you best.
How Do I File a Commercial Insurance Claim?
Filing a claim through Insureline is easy—just use our online claims tool to share key details with us and let one of our team members follow up. We’ll help you by determining:
- Whether filing a claim is a good idea. It’s not always advisable to file an insurance claim, even if you’re eligible to do so. Remember, every time you file a claim, your history changes and your premiums go up. We’ll help you figure out if the amount you’re eligible
to receive justifies this added cost. - The contact information for your claims adjuster. By referring you to the claims department with your insurance provider, we can monitor the status of your claim and make sure all necessary documentation is filed appropriately.
- How to move your claim forward. In cases where you’ve filed an insurance claim, we’ll provide support and guide your claims adjuster so that you can get the payout you deserve.
Do I Have to File a Commercial Insurance Claim Through Insureline?
We strongly recommend filing your claim through us instead of contacting your insurance provider directly. There’s no benefit to not alerting us (we get notified when clients file with one of the providers in our network anyway)—but it’s easier for us to help you when we know what’s going on.
Remember, we’re not just your insurance brokers at Insureline—we provide support for your claims from start to finish. That’s what you get when you work with us.
Find Your Perfect Policy Now
Testimonials
Types of Insurance We Offer
Home & Property Insurance
Auto Insurance
