Even if you take every precaution, an accident could happen beyond your control. For example, an allegation of a food poisoning incident or allergic reaction can result in a costly lawsuit. Beyond food, restaurants contain dangerous equipment such as commercial gas stoves and sharp utensils that could injure an employee or a wandering customer. Our comprehensive insurance policies for the hospitality industry provides coverage for a broad range of hospitality businesses, including:
- Dine-in restaurants
- Fast food restaurants
- Bakeries
- Bars and pubs
- Food vendors
- Catering companies
- Cafes and coffee shops
- Food trucks
What Types of Insurance Do Hospitality Professionals Need?
A comprehensive policy for contractors may include the following types of coverages:
Commercial Property Insurancelightbridgestg2022-03-18T17:43:53+00:00It’s wise to protect your retail store from unexpected incidents. Commercial property insurance protects your physical location and your inventory from insured risks such as damages resulting from severe weather, fire, theft, or flood.
Cyber Liability Insurancelightbridgestg2022-03-18T17:38:48+00:00Cybercrime and accidental data breaches pose significant threats to your small business. It is your responsibility to protect customers’ data that you store. Cyber liability insurance covers costs associated with a cyber-attack or an internal data breach that exposes your customers’ private and financial data.
Commercial General Liability Insurance (CGL)lightbridgestg2022-03-18T17:31:00+00:00CGL protects your business in its day-to-day activities. Frequently referred to as ‘slip-and-fall’ insurance, CGL protects you against third-party bodily injury or property damage claims. For instance, if a customer visiting your office trips, falls, and injures a wrist, CGL may pay for their medical expenses. If that customer should sue you, CGL coverage is designed to pay your legal defence expenses and the outcome of a lawsuit.
Liquor Liability Insurancelightbridgestg2022-03-18T17:44:46+00:00Any establishment that serves alcoholic beverages is required to have liquor liability insurance. You can be held liable if you serve alcohol to a customer who causes an accident or is injured, and alcohol is deemed to be a contributing factor. Liquor liability insurance covers you for loss or damage due to alcohol-related injuries or accidents.
When it comes to finding the right coverage for contractors, distinct factors, such as trade, location, and service-related risks, need to be considered. Any independent contractor or business providing general contracting services should protect their company with a contractor insurance policy package. Not only will it protect you from financial loss, but it will also help in securing jobs. Our comprehensive insurance policies provide coverage for several types of contractors, including:
- Carpenters
- Construction contractors
- Demolition experts
- Electricians
- Excavation professionals
- HVAC technicians
- Landscapers
- Plumbers
- Roofers
- Self-employed contractors
- Tree removal professionals
- Welders
What Types of Insurance Do Contractors Need?
A comprehensive policy for contractors may include the following types of coverages:
Builders’ Risk Insurancelightbridgestg2022-03-18T17:52:25+00:00Also called construction liability insurance, builders’ risk coverage protects the building you are working on throughout a project’s duration. Often, contractors require their clients to carry this type of coverage, but there are instances when you may be required to have it.
Pollution Liability Insurancelightbridgestg2022-03-18T17:47:42+00:00Environmental liability is on the rise. Pollution liability coverage provides financial support for any necessary clean-up costs, bodily injuries to others (such as a respiratory illness), and property damages caused by pollution or toxic substances you produce during the course of a construction or renovation project.
Tools and Equipment Insurancelightbridgestg2022-03-18T17:46:42+00:00The tools and equipment you use are vital to the work you do. Tools and equipment coverage provides financial support to replace or repair lost, stolen, or damaged equipment and tools.
Commercial General Liability Insurance (CGL)lightbridgestg2022-03-18T17:31:00+00:00CGL protects your business in its day-to-day activities. Frequently referred to as ‘slip-and-fall’ insurance, CGL protects you against third-party bodily injury or property damage claims. For instance, if a customer visiting your office trips, falls, and injures a wrist, CGL may pay for their medical expenses. If that customer should sue you, CGL coverage is designed to pay your legal defence expenses and the outcome of a lawsuit.
Any independent technology professional or small business owner providing technological services or advice requires a customized insurance policy to protect themselves, their businesses, and reputations. Our customized policies technology professionals and startups practicing in a range of sectors, including:
- Computer installation and repair technicians
- IT consultants
- Mobile app developers
- E-commerce providers
- SaaS providers
- Software developers
What Types of Insurance Do Technology Professionals Need?
A comprehensive policy for technology professionals and startups may include the following types of coverages:
Commercial Property Insurancelightbridgestg2022-03-18T17:42:29+00:00Protecting your office from the unexpected is essential. Commercial property insurance is designed to provide you with financial support for physical loss or damage to your property and its contents because of severe weather, fire, theft, or vandalism.
Cyber Liability Insurancelightbridgestg2022-03-18T17:40:04+00:00You’re in the technology business. That makes cyber liability protection a must-have. It provides coverage for costs associated with cybercrime that affects your technology systems and software and customer data.
Legal Expense Insurancelightbridgestg2022-03-18T17:33:49+00:00If you need to hire and retain a lawyer, the costs can add up quickly. Legal expense insurance provides you with free access to an experienced lawyer and any legal expenses you incur if embroiled in litigation. It also provides coverage for defending your rights in employment disputes, debt recovery, contract disputes, and tax protection if you are audited or want to appeal a decision made by the Canada Revenue Agency.
Professional Liability Insurancelightbridgestg2022-03-18T17:32:51+00:00Also known as errors and omissions (E&O) insurance, professional liability protects technology startups and independent professionals against claims alleging financial loss. It is also designed to protect you from legal action if a client sues you for negligence, misconduct, or failing to deliver a service as promised.
Commercial General Liability Insurance (CGL)lightbridgestg2022-03-18T17:31:00+00:00CGL protects your business in its day-to-day activities. Frequently referred to as ‘slip-and-fall’ insurance, CGL protects you against third-party bodily injury or property damage claims. For instance, if a customer visiting your office trips, falls, and injures a wrist, CGL may pay for their medical expenses. If that customer should sue you, CGL coverage is designed to pay your legal defence expenses and the outcome of a lawsuit.
All types of retailers need to safeguard their businesses from liability risks. Regardless of the kinds of products you sell to consumers, you can be held liable for any product you sell, manufacture, or distribute if it causes physical or financial harm to one of your customers. A customized retail insurance policy from Lightbridge Insurance is ideal for a wide range of retailers, including:
- Amazon, Etsy, and Wayfair sellers
- Artisan retailers
- Brick and mortar stores
- Cannabis retailers
- Flower shops
- Home-based retail stores
- Pop-up shops
- Vendors
What Types of Insurance Do Retailers Need?
A comprehensive policy for retail businesses may include the following types of coverages:
Product Liability Insurancelightbridgestg2022-03-18T17:57:30+00:00As a retailer, you are responsible for any product you sell, manufacture, or distribute online or offline. Product liability insurance protects you from claims alleging third-party bodily injury or property damage for any product you sell to a consumer.
Commercial Property Insurancelightbridgestg2022-03-18T17:43:53+00:00It’s wise to protect your retail store from unexpected incidents. Commercial property insurance protects your physical location and your inventory from insured risks such as damages resulting from severe weather, fire, theft, or flood.
Cyber Liability Insurancelightbridgestg2022-03-18T17:37:11+00:00Most retailers have websites or use third-party digital marketplaces to sell their goods. Cybercrime and accidental data breaches pose significant threats to your small business. Even if you don’t sell goods online, you probably have a POS system where customer data is stored. Cyber liability insurance covers costs associated with a cyber-attack or an internal data breach that exposes your customers’ private and financial data.
Commercial General Liability Insurance (CGL)lightbridgestg2022-03-18T17:31:00+00:00CGL protects your business in its day-to-day activities. Frequently referred to as ‘slip-and-fall’ insurance, CGL protects you against third-party bodily injury or property damage claims. For instance, if a customer visiting your office trips, falls, and injures a wrist, CGL may pay for their medical expenses. If that customer should sue you, CGL coverage is designed to pay your legal defence expenses and the outcome of a lawsuit.
