Business Insurance Solutions
At Expo Insurance, we understand that protecting your business is crucial to its success. We offer a comprehensive suite of business insurance policies designed to safeguard your assets, employees, and reputation from unexpected risks. Our expert team is here to help you navigate the complexities of commercial insurance and build a customized plan that meets the unique needs of your Canadian business.
- Commercial General Liability (CGL) Insurance
This is the cornerstone of business protection. CGL insurance defends your company against legal claims arising from third-party bodily injury, property damage, or advertising injury. Whether it's a customer's slip-and-fall accident in your store or damage to a client's property, our CGL policies provide coverage for legal defense costs, settlements, and medical expenses, helping you focus on running your business with peace of mind.
- Commercial Property Insurance
Your business's physical assets are its foundation. Our commercial property insurance protects your buildings, equipment, inventory, and crucial documents from a wide range of perils, including fire, theft, vandalism, and severe weather. We offer flexible policies that can be tailored to cover everything from your office space to the valuable contents within it, ensuring you can quickly recover and get back to business after a covered loss
- Contractors Insurance
Designed specifically for the skilled professionals who build our communities, this insurance provides essential coverage for contractors, builders, electricians, plumbers, and more. It goes beyond standard liability to protect you from risks associated with on-site work, property in your care, and even completed operations. We'll help you find a policy that covers your tools, vehicles, and potential liabilities, so you can work confidently on every project.
Insurance FAQ's
A standard home insurance policy typically covers your home’s structure (dwelling), personal belongings, liability for injuries or damages to others, and additional living expenses if you need to temporarily relocate due to an insured event. Depending on your needs, optional coverages like water damage, sewer backup, and overland flooding can also be added.
Yes, even if your home is mortgage-free, insurance is still essential to protect your investment. Without coverage, you’d be responsible for repair or replacement costs after a fire, theft, or other major loss. Home insurance also includes liability coverage, which protects you if someone is injured on your property.
Several factors influence your premium, including the age and construction of your home, location, value of your belongings, claims history, credit score (in some provinces), and the coverage options you choose. Installing safety features like smoke detectors or security systems may help lower your rate.
Typical exclusions include damage from earthquakes, overland flooding, gradual wear and tear, pest infestations, and intentional acts. Some of these risks—like flood or earthquake coverage—can be added through endorsements. We’ll help you understand your policy’s exclusions and suggest any additional protections you might need.
Yes! Many insurers offer multi-policy discounts when you bundle your home and auto insurance. Bundling not only saves money but also simplifies your coverage under one provider. Our brokers can compare bundled quotes from multiple insurers to find the best value for you.
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