Business insurance for BC trades, shops and contractors.

Nobody in BC legally forces you to carry general liability. Your landlord, your clients and the municipality will. We build the policy to satisfy the contract in front of you and issue the certificate the same day.

Before you buy

What this policy does, and what it will not do.

What we write in
✓Commercial general liability (CGL)
✓Commercial property: building, stock, equipment
✓Business interruption: lost income while you rebuild
✓Professional liability (errors and omissions)
✓Tools and equipment, on site and in transit
What it will not do
✕Employee injury — that is WorkSafeBC
✕Cyber and data breach unless added
✕Pollution and environmental cleanup unless added
✕Intentional acts and contractual fines
Who this is for

Three ways people hold this policy.

Contractors
Framers, electricians, landscapers. CGL plus tools, with certificates for every GC.
Retail and restaurants
Property, stock, liquor liability and interruption.
Professionals and consultants
E&O for advice you give, plus office contents.
What moves the price

Five things the insurer looks at.

01
What you do and your revenue
02
Payroll and number of employees
03
Location and building construction
04
Claims history
05
Liability limits your contracts demand
Straight answers

Business Insurance questions we hear most.

All FAQs→

BC does not mandate general liability, but landlords, clients and municipalities almost always require CGL. WorkSafeBC coverage is separate and mandatory for employers.

Same business day for an existing policy. For a new policy, usually within 48 hours of the application being complete.

Read your contract. Most GCs and municipalities ask for $2 million; some ask for $5 million. The difference in premium is usually smaller than people expect.

A quote takes two minutes.A callback, the same business day.

Pick the coverage, answer a short set of questions, and a licensed broker in Delta calls you back with real numbers.