What is commercial insurance?
Commercial insurance is designed to protect small businesses, small business owners, and employees against unexpected losses or damages that result from risks associated with operating a business. There are different types of coverage for different types of risk, from legal liability to property damage, to cyber liability protection.
Picking the right type of coverage gives your organization a customized policy that meets your unique needs.
We work with businesses like yours
Lightbridge provides commercial insurance solutions for Canadian businesses in hospitality, contractor, retail, and technology spaces at up to 35% less than our competitors.
Hospitality
Contractors
Technology
Retail
Our insurance coverage offerings
Commercial General Liability (CGL) Insurance
CGL insurance, best known as slip-and-fall insurance, protects you against the day-to-day risks that can happen when interacting with the public, such as claims of bodily injury or property damage. CGL combines several coverages, including product liability insurance, which is designed to protect your company against claims alleging property damage or bodily injury caused by a product you manufacture, distribute, or sell to a consumer.
Errors and Omissions (E&O) Insurance
E&O insurance is a form of professional liability insurance. It protects companies and business owners against claims of negligence, errors, or failure to provide a service as promised. E&O coverage is required for anyone who provides advice or a service, such as a financial advisor, accountant, consultant, or lawyer.
Commercial Property Insurance
If you store your product inventory in a warehouse, have a retail shop or operate your business from home, you need commercial property insurance. It protects your physical location and its contents (including your stock) from insured risks that occur beyond your control, like a fire, theft, or flood. Carrying commercial property insurance gives you the option of buying business interruption coverage, which reimburses for net income lost following an insured event. It may also cover overhead costs, employee wages, and other costs associated with temporarily closing your business.
Cyber Liability Insurance
Cyber liability insurance is one of the most critical coverages to have for selling products online, especially if you’re storing your customers’ data. Cyber liability insurance covers costs associated with electronic incidents, such as cyber-attacks.
Commercial General Liability (CGL) Insurance
CGL insurance, best known as slip-and-fall insurance, protects you against the day-to-day risks that can happen when interacting with the public, such as claims of bodily injury or property damage. CGL combines several coverages, including product liability insurance, which is designed to protect your company against claims alleging property damage or bodily injury caused by a product you manufacture, distribute, or sell to a consumer.
Errors and Omissions (E&O) Insurance
E&O insurance is a form of professional liability insurance. It protects companies and business owners against claims of negligence, errors, or failure to provide a service as promised. E&O coverage is required for anyone who provides advice or a service, such as a financial advisor, accountant, consultant, or lawyer.
Commercial Property Insurance
If you store your product inventory in a warehouse, have a retail shop or operate your business from home, you need commercial property insurance. It protects your physical location and its contents (including your stock) from insured risks that occur beyond your control, like a fire, theft, or flood. Carrying commercial property insurance gives you the option of buying business interruption coverage, which reimburses for net income lost following an insured event. It may also cover overhead costs, employee wages, and other costs associated with temporarily closing your business.
Cyber Liability Insurance
Cyber liability insurance is one of the most critical coverages to have for selling products online, especially if you’re storing your customers’ data. Cyber liability insurance covers costs associated with electronic incidents, such as cyber-attacks.
How can I get Lightbridge Insurance?
Available exclusively through Zensurance, our products are shaped to serve the needs of small business owners and sole proprietors in a broad range of industries across Canada. See if Lightbridge Insurance is right for your business. Compare premiums and policies from leading Canadian insurance companies in just a few clicks.
