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Websites #1- Personalized Business Insurance

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Websites #1- Personalized Business Insurance

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This website gives a brief background of their Canadian insurance company, their experience and reputability. It discusses many different industries that its insurance serves, like; automotive dealers, commercial property, grocery stores, etc. Another part of this website explains how no matter what industry you are in, your business could be vulnerable to damages, lawsuits, cyber attacks, and unexpected problems. You want to be sure you are safe and insured if anything were to go wrong with your business.

I chose this website because it is easy to navigate and the layout is pleasing to the eye. It has several icons you can choose, to find out more detailed information regarding the various types of industries and what types of insurance is required for that particular industry.

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Industry-trained specialists: Our Commercial Insurance Specialists take the time to understand your business now, and in the future. As your business grows and evolves, your Commercial Insurance Specialist will work with you to make sure your insurance coverage keeps up the changes.

Direct access to expert underwriters: In some agencies, the sale comes first and the policy comes second. At Federated Insurance, our expert underwriters work side-by-side with our Commercial Insurance Specialists to make sure they understand the details and risks of your business before they create your coverage program. That way, you're properly protected.

A single solution and a streamlined claims process: Sometimes, depending on the complexities of your business, insurance companies will divvy up your coverage amongst a few different providers to ensure all your needs are met. If you ever suffer a claim, this can get messy due to multiple deductibles and different procedures, both of which result in longer timelines. We keep everything under one roof. Your dedicated Commercial Insurance Specialist will ensure you receive a customized program that meets all of your needs with one company.

The personal touch: Big companies often mean call centres, multiple points of contact, and various forms of communication. With Federated Insurance, you have one dedicated specialist to guide you through all of your insurance needs. We'll call, email, or drop by in person depending on what you prefer. We'll also take care of all the paperwork so you can focus on what you do best - running your business.

We're more than just insurance coverage: We're not just your insurance provider; we're your trusted advisors and business partners. By choosing to partner with Federated Insurance, you gain direct access to our Risk Services team. This team of experts has decades of experience combating risks for all business types, and can provide mitigation and loss prevention strategies to help keep your business safe.

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Industry-trained specialists: Our Commercial Insurance Specialists take the time to understand your business now, and in the future. As your business grows and evolves, your Commercial Insurance Specialist will work with you to make sure your insurance coverage keeps up the changes.

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Here you will learn about what business insurance is, its importance to a company/business, and understanding the different types of insurance, through websites, videos, and images.

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This is a Canadian website that provides information on the insurance a business would need whether they are a small business, run from home, farming, or life insurance. It has an option to get a quote on how much auto, home, life, or travel would cost.

I chose this website because it could really help someone that is looking to get business insurance. The financial advisors are accessible and they are there to help and talk to you about getting the coverage you need.

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You've invested a lot of time and effort to build your business. Protect everything you've worked hard to achieve with business insurance from The Co-operators.

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This short and simple video talks about how you want to protect your business with insurance. It briefly describes that business insurance is merely a group of insurance policies that apply to a business. It talks about what coverages fall under each policy and how much it might cost.

I chose this video because it gave me a basic understanding of business insurance and was easy to understand. I also liked how it explained that the premiums are dependent on  business type, revenue, type of industry, and numbers of years experience. It also referenced its website for additional information, which would be very helpful for someone to ask additional questions.

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Website #3- Definition of Business Insurance

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Website #3- Definition of Business Insurance

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This website explains that business insurance is coverage that protects a business from losses that may occur at any time and it outlines the various types of business insurance. It also outlines the importance of business insurance to small business owners as well as big businesses. It is equally important for each to protect their business.

I chose this website because it has a good definition and explanation of what business insurance is and has examples to go with them. This website is different from the others because it goes into more depth and is easy to understand.

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What Is Business Insurance?

Business insurance coverage protects businesses from losses due to events that may occur during the normal course of business. There are many types of insurance for businesses including coverage for property damage, legal liability and employee-related risks.

Companies evaluate their insurance needs based on potential risks, which can vary depending on the type of environment in which the company operates.

Understanding Business Insurance

It is especially important for small business owners to carefully consider and evaluate their business insurance needs because they may have more personal financial exposure in the event of a loss. If a business owner does not feel he or she has the ability to effectively assess business risk and the need for coverage, they should work with a reputable, experienced and licensed insurance broker. You can obtain a list of licensed agents in your state through your state's department of insurance or the National Association of Insurance Commissioners.

Also known as commercial lines insurance, these coverages include property and casualty insurance products for businesses. Commercial lines Insurance helps keep the economy running smoothly by protecting businesses from potential losses they couldn't afford to cover on their own, which allows businesses to operate when it might otherwise be too risky to do so.

Commercial policies may be contrasted with personal lines insurance.

Types of Business Insurance

Several types of business insurance that small business owners might consider, including the following:

Professional Liability Insurance

Professional liability insurance insures against negligence claims that result from mistakes or failure to perform. There is no one-size-fits-all professional liability coverage. Each industry has its own unique concerns that should be addressed.

Property Insurance

Property insurance covers equipment, signage, inventory, and furniture in the event of a fire, storm or theft. However, it doesn't cover mass-destruction events like floods and earthquakes. If your area is at risk for these issues, you'll need a separate policy. Another exception is personal property that is very high value and expensive-this is usually covered by purchasing an addition to the policy called a "rider." If there's a claim, the property insurance policy will either reimburse the policyholder for the actual value of the damage or the replacement cost to fix the problem.

Home-Based Businesses

Homeowner's policies don't cover home-based businesses like commercial property insurance covers businesses. If you're operating a home-based business, inquire about additional coverage for equipment and inventory.

Product Liability Insurance

If your business manufactures products to sell, product liability insurance is very important. Any business can find itself named in a lawsuit due to damages caused by its products. Product liability insurance protects a business in such cases.

Vehicle Insurance

Any vehicles used for business should be fully insured. At the very least, businesses should insure against third-party injury, but comprehensive automobile insurance will cover the vehicle in an accident, as well. If employees are using their own cars for business, their own personal insurance will cover them in the event of an accident. One major exception is if a person is delivering goods or services for a fee, including delivery personnel.

Business Interruption Insurance

Business interruption (or continuation) policies are a type of insurance that is especially applicable to companies that require a physical location to do business, such as retail stores or manufacturing facilities. Business interruption insurance compensates a business for its lost income during events that cause a disruption to the normal course of business.

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Business insurance coverage protects businesses from losses due to events that may occur during the normal course of business. There are many types of insurance for businesses including coverage for property damage, legal liability and employee-related risks. Companies evaluate their insurance needs based on potential risks, which can vary depending on the type of environment in which the company operates.

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This website communicates the essential needs of business insurance. It includes icons of some different types of insurance that a business might need and gives further information on each. This website shows a new and trending page of media releases that keeps you updated on current news on business insurance. As well, it incorporates useful links on how to buy insurance, how insurance works, and how premiums are calculated to provide you with additional advice.

I chose this website because it provides very useful information on business insurance and was presented in a pleasing manner. It includes all the information you need, if you were looking to buy business insurance. I found it very interesting that it included new and trending media releases, which got me thinking about what is actually happening in the world with businesses.

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​​​​​​​​​​Having the right insurance is essential for a business to survive and thrive in a marketplace that is full of both opportunity and risk. Liability insurance for an organization, employees and/or volunteers helps protect the organization from financial risk.​

For a small business, finding and maintaining business insurance can be critical to survival.

Canada's business insurers work with representatives from the business community, the non-profit sector, insurance companies and governments to develop and implement practical solutions.

© 2019 INSURANCE BUREAU OF CANADA, ALL RIGHTS RESERVED

* La traduction française de toutes les pages anglaises est en cours. Entre-temps, certaines pages ne sont pas offertes en français. Veuillez nous excuser pour cet inconvénient.

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​​​​​​​​​​Having the right insurance is essential for a business to survive and thrive in a marketplace that is full of both opportunity and risk. Liability insurance for an organization, employees and/or volunteers helps protect the organization from financial risk.​ For a small business, finding and maintaining business insurance can be critical to survival.

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This image expresses the different types of business insurance to give you a quick picture of what you might need to get to protect your business.

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Video #2- Business Insurance; A Quick and Easy Overview

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Video #2- Business Insurance; A Quick and Easy Overview

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This video talks about four main categories of business insurance being; liability insurance, property coverage, workers compensation, and commercial auto insurance.

One thing I liked about this video was that it included a "Coverage Details" form, listing all of the possibilities of business insurance coverage which they discussed in the video. This coverage form could be used as a reference or guide when choosing the right types of insurance for your particular business policy.

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Business Insurance: A Quick & Easy Overview

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This video talks about why businesses need to have insurance; in cases of accidents, injuries, theft, or other losses in which you don't want to be held liable for. Having insurance can protect you if something goes wrong.

I chose this video because it was clear and had good images that were used during the video that helped me understand the information they were presenting. It goes in-depth about the types of business insurance which helped me recognize which types of policies a business might want to consider purchasing.

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1. What did you learn about your topic that surprised you the most?
One thing that I learned that surprised me the most was that there are many different types of business insurance that are needed to protect the business owner, their workers, and their clients. It is crucial to get business insurance if you own a business. Overall it was a good topic to learn and become aware about.

2. Provide a real-life example of how this topic is relevant or interesting for you.

This topic does not really concern me right now. It certainly might in the future, if I decided to start my own business or work at a business. This is why this topic was of interest to me. Businesses are all around us and being knowledgeable about business insurance definitely opened my eye to a topic I didn't know a lot about. It will surely benefit me in the future, whether I see it now or not.

3. If you could pass on your knowledge to a family member or friend, what do you think is the most important thing to pass on?

If I could pass the knowledge I have gained on to a family member or friend, I would tell them that having insurance is very important but specifically business insurance, if you own a business. You want to ensure your business is protected after putting all your hard work and money into it.

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Image #2- The Importance of Business Insurance 

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Image #2- The Importance of Business Insurance 

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This image shows the importance of having business insurance. How it is important to be prepared for the unexpected curveballs and what coverage you might need for your business.

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Video #4- Home- Based Business Insurance

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Video #4- Home- Based Business Insurance

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I chose this video because it goes into depth about the importance of business insurance for a home-based business. It explains that without insurance, the cost to any losses towards your business will come out of your pocket, which is a great point to make, since many people care about saving their money. The homeowners policy that business owners have, may not cover business liability, business property, data breach, or loss of business income, so you would definitely want to make sure you are have the right type of insurance. It includes tips to consider if you do own a home-based business and want coverage and includes different types of policies you may need.

I chose this video because of its focus on home-based businesses. This video explains very well what a home-based business should think about (keep in mind) in terms of insurance. It also includes interactive pictures to help visualize what the speaker is talking about during the video.

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Home-Based Business Insurance Types | The Hartford