WHO ARE OUR ONTARIO SMALL BUSINESS INSURANCE CUSTOMERS?

Own a small business in Toronto, the GTA, or anywhere in Southern Ontario?   What about a truck or a few cars?  A nice home?  A boat or motor home?  Expensive collections?  Whatever your situation, you probably find managing your business and personal insurance to be a time-consuming, frustrating and expensive.

As if owning a small business is already not complicated enough, understanding how to insure it can be daunting.  Among the variety of Ontario small business insurance companies, no two insurance policies are the same.  Each small business insurance company offers different coverage, limits, conditions, and exclusions and of course a wide range of premiums.  Getting it right should not be left to chance.

Often, it is not until something happens that the shortfall is discovered.  Get stuck with an under-insured or uninsured loss and it can be costly.  It can actually result in you never reopening.   This is especially sad as the annual premium involved to get the right plan combined with a bit of advice could have prevented it.  There are many pitfalls that need to be avoided.

Why not save yourself some time, some money, and let the small business insurance experts at Guthrie Insurance  look after all of your small business insurance needs?

“We know insurance so you don’t have to”

Imagine the convenience of having one annual policy anniversary date for everything?  Or making just one call to your commercial insurance adviser who works with you year in and year out to make sure you are properly protected and, as economically as possible.  Consider just the peace of mind in knowing there is a helpful expert who knows your situation and who is responsible for your insurance well-being is just a call or email away!

Wouldn’t it be great to save money, get the insurance protection you need and get responsive, personal service insurance without getting stuck in an impersonal call center?

Are you conscientious, responsible and serious about matters pertaining to your business insurance and financial security?  Do you appreciate getting helpful, professional and unbiased advice?  Then, you will appreciate working with the Broker Professionals at Guthrie Insurance.

Looking after the many insurable risks and financial security needs of Ontario families is where we excel!

WHAT IS SMALL BUSINESS LIABILITY INSURANCE?

Small business liability insurance is considered the most important type of insurance available. Whether it was your “fault” or not, if you are accused of causing bodily injury or property damage, you may be held accountable (sometimes whether you are “legally” liable or not!). For your insured business operations and activities, if you are sued for allegations of bodily injury or property damage your business liability insurance pays both to defend you (whether or not you are legally responsible) as well as the monetary judgement if you are held responsible, up to your policy limits. It covers the operations and activities of Ontario businesses, and their employees while acting within the scope of their duties.

All Ontario small business needs adequate liability insurance. Even if you are doing something you think is low risk or innocuous and with minimal revenues, just one small mistake or even an allegation, can result in a lawsuit and put you into financial ruin.