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Insurance is often considered a significant cost for a start-up business. However, any professional activity generates risks and the dangers for the company are real. Do you have to insure your business from the start? What are the different insurances to take into account?
The entrepreneur who wishes to insure his business is faced with 3 categories of risk:
Insurance for damage to company property
Goods (building, equipment, stock, vehicles, etc.) are often very expensive and necessary for a company’s activity. It is therefore advisable to protect all of your company’s assets against the risk of fire, theft, or even natural disasters.
In order to complete this basic cover, you can also take out property damage insurance and civil liability insurance.
Insurance for business-related damage
When you have employees, receive clients or even rent premises, your liability may be incurred in the event of damage caused in the course of your activity. This is why operating liability insurance is essential.
This insurance can be associated with additional guarantees such as professional liability insurance, who insures you against damage caused by products manufactured or services provided by the company.
Insurance for damage caused to persons (director, employees) in the company
It is possible to provide insurance for the business manager who offers sufficient social security coverage. There is also a civil guarantee for corporate officers which protects the manager if he is implicated in the event of a management error or breach of the labour code.
As far as employees are concerned, your company is subject to certain social protection obligations. Individually, your employees are insured under the general CNESST plan. However, you can complete this plan with group insurance contracts, such as disability or death insurance.
Our large pool of contractors allows us to offer the best prices on the market as well as exclusive products to construction contractors.
- Liability insurance for the company
- Bid bond
- Performance bond
- Construction insurance
- Company Vehicle and Building Insurance
- Personal insurance (Disability, Life and Critical Illness Insurance)
- Personal file and mortgage insurance
- Travel Insurance and Health Care
- + exclusive services on the market at competitive prices
Obtain good free advice and support from expert specialists with perfect knowledge of the market and the best insurance options.
By telephone : 1 (866) 626-8055