What does sewer backup coverage cover? Sewer backup coverage can help pay for certain damage when sewage or water backs up into your home through a sewer, drain or sump system. Depending on the policy, it may help with cleanup, repairs, damaged belongings and additional living expenses. This coverage is often optional, so homeowners should […]
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What does business interruption insurance cover? Business interruption insurance can help replace certain lost income and continuing expenses when a covered loss forces a business to reduce or temporarily stop operations. Depending on the policy, it may help with expenses such as rent, payroll or extra costs needed to resume operations. Coverage is subject to […]
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What insurance does a machine shop need? Machine shops often need a combination of commercial property, equipment breakdown, commercial general liability, business interruption and product or completed-operations coverage. Depending on the work performed, they may also need pollution liability, cyber insurance, commercial auto or specialized coverage for expensive machinery and customer property. A broker should […]
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It seems that nowadays technology evolves at an alarming rate. As our use of computers and information technology expands, so too does its use in the business world. Businesses large and small rely more and more on technology to conduct everyday business – store information, automate transactions, marketing, and more. Computers have helped to increase […]
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What are some common auto insurance myths? Common myths include assuming red cars always cost more to insure, believing the minimum coverage is enough for every driver, or thinking another person’s insurance always follows them when they drive your vehicle. Auto insurance pricing and coverage depend on policy wording, driver history, vehicle characteristics and use. […]
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What insurance does a restaurant need? Restaurants commonly need commercial property, general liability, business interruption and equipment breakdown coverage, with additional options for food spoilage, liquor liability, cyber risk or commercial auto depending on operations. Coverage needs vary based on whether the business owns the building, serves alcohol, offers delivery or uses specialized equipment. A […]
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Running a restaurant is no easy task. Between managing staff, ordering products, and keeping both the kitchen and dining room maintained, restaurant owners and managers have a full plate. In addition to the day-to-day concerns, owners must always be prepared for the unexpected — anything out of the ordinary that could affect their business. One […]
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Do you need business insurance to work from home? You may need business insurance if you run a business from home because a standard home policy can limit or exclude business property, inventory, professional services and liability arising from commercial activity. The right coverage depends on what you do, whether clients visit, what equipment you […]
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What is the difference between seasonal and secondary home insurance? Seasonal property insurance is generally designed for homes or cabins occupied only during part of the year, while secondary home insurance is for an additional residence that may be used more regularly. Because seasonal properties can sit vacant for longer periods, insurers may apply different […]
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How much does Uber insurance cost? There is no single Alberta price because Uber drivers must maintain personal auto insurance, and the cost of that policy depends on the driver, vehicle, location and insurer. Uber also maintains commercial auto coverage for certain periods while drivers are using the app. Tell your insurer or broker that […]
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