Business Insurance Product Solutions

Insurance productsEvery engagement your business enters into comes with a share of growth potential as well as risk. There is an element of risk with every product sold, every service offered, employee hired, contract entered into or business location you occupy. When you run your own business, the chances of suffering a financial loss from one of these threats is always present.

Blair Insurance Brokers specializes in creating streamlined and cost- effective policies designed to protect against the unthinkable. This is what we do best. We’ll dissect your current policy, focus on shoring up exposures and educate you on coverage options. We will enable you to make the wisest insurance decisions to protect your business and those who count on it.

Five ways to help contain your commercial insurance costs


Consider your Coverage

Commercial insurance can sustain and protect your business in the event of an incident or disaster and the cost of transferring your business’ Risk Exposures come at a fraction of the cost. Get expert guidance from one of our commercial insurance specialists to analyze your risks then provide the coverage solution tailored for your company’s needs.


Decide your Deductible carefully

Assess how much of a deductible your business can easily absorb.  Consider this in the context of when your business in is the midst of a disruption. Generally, the higher the deductible you are able to accept, the lower your premium will be, to a diminishing return.


Update your Business Operations

Quite simply, the cost of your insurance is closely related to your risk factors. An insurance company assesses your risk factors, loss control initiatives and claims history to decide on your insurance premium. By keeping your business practices up to date and setting control and safety protocols in pace, you can mitigate against those risk factors. Keeping your Blair advisor informed of updates is key.


Get an Annual Review

Your business, like many, evolves in order to stay competitive. It’s surprising how many business owners, (agents and brokers) don’t conduct a periodic review of your business operations.  At Blair Insurance, we conduct an Annual Renewal Review with you to keep your premiums and your coverage in check to ensure it reflects your unique current needs.


Get Professional Expert Advice

The experts at Blair Insurance know how to select the coverage you need, where to go for the most inclusive coverage packages and how to negotiate premiums on your behalf. With over 40 years of  insurance experience, we have established an impeccable reputation with a numerous insurers. This gives us a unique advantage over our competitors in offering cost-effective premiums and outstanding coverage. Our advisors will advocate to get you the best protection for your insurance dollar, saving you both time and money.

At Blair Insurance Brokerage, we source only the most reliable insurance companies and then narrow down and compare their offerings for you. This is how we ensure that you are able to select the most comprehensive and affordable coverage to protect against your business’ exposures.

With the RIGHT insurance coverage, you can transfer the burden of your risk exposure. This enables your business to recover with a minimum of disruption to cash flow in the event of an Insured Peril.

What Business Insurance Coverage Your Business May Need

Commercial General Liability (CGL) Insurance

If you have a business, you need Commercial General Liability Insurance (commonly known as CGL).  It is the prudent first step ensuring your business stays solvent, productive and respected in your world.  CGL insurance protects your business against liabilities that arise from its daily operations. This coverage protects you should your business cause Bodily Injury or Property Damage and is held liable for harm to a third party or damage to their property. With CGL coverage, your insurance policy will protect your business from the legal costs and settlements or awards up to what you’ve chosen as your policy’s coverage limit.


Allow yourself to focus on your business with confidence, knowing that when a claim arises, legal experts will help minimize the impact and the interruption to your business. Contact us to learn more about this valuable coverage.

Errors & Omissions Professional Liability Insurance

Commercial General Liability policies exclude claims arising from the provision of ‘Professional Services’. Despite how diligent of a professional you are, a client could sue if they believe they have suffered a financial loss due to your professional service, advice, or the lack of it. This coverage, also known as an Error and Omissions policy, will protect you by paying any judgements or settlements against you.  Also included in this policy coverage is the legal costs to defend you and your company, which can be an expensive endeavor in itself.

Who needs this specialized insurance coverage? Anyone who delivers professional services and advice, such as:

  • Medical professionals
  • Lawyers
  • Consultants
  • Accountants
  • Designers
  • Advisors

Policy inclusions can vary widely between insurance companies for this type of coverage. Also, Professional Liability (E&O) can be written both on an Occurrence or on a Claims Made basis. It is important get expert advice from one of the advisors at Blair Insurance so you can be aware of the type of policy you are purchasing. Coverage includes damages, judgments, settlements, and protection against legal costs.

Protect against human Errors or Omissions. Ask our experts which policy will be right for you.

Directors & Officers Liability Insurance

Directors and Officers insurance protects Officers and Directors of a company or organization in the event they are sued from performing their duties – related to their wrongful actions, or inactions. Whether a Non-Profit or Profit organization, potential law suits can not only come from shareholders, but also from employees, government bodies, contractors, customers, competitors, professional and public activist groups. A Director can also be held liable for acts committed by other Directors.


Most Canadian corporate Directors & Officers are well aware of the significant personal risk that serving as a director or officer entails. Hence, it’s unlikely one would consider being a Director or Officer of a company, without proper D&O coverage in place. Considering the number of laws, which impose potential liability on Directors and Officers of corporations, coverage is clearly important. Like professional E&O, it too will protect your organization against legal costs, even to defend against baseless law suits.

Policy Definitions and inclusions can vary widely between insurance companies for this type of coverage Have one of our D&O insurance professionals review your corporate bylaws to find the right protection for your executives.

Umbrella Liability

Umbrella Liability insurance, as the name implies, is a policy which sits above the underlying primary policies to complement and add additional coverage protection to all. This coverage provides excess general liability coverage should any primary policy’s (e.g. CGL, automobile, etc.) coverage limit be exhausted.  In addition, Umbrella Liability also extends coverage to protect against some of the exclusions and restrictions from the underlying policies liability coverage.

This coverage is essential to any business owner with multiple policies as it:

  • Increases coverage to a much higher limit
  • Broadens protection for third party claims
  • Includes worldwide coverage
  • Is usually more cost effective than increasing coverage on each of the primary policies

We offer peace of mind providing comprehensive and cost-effective risk solutions. Get in touch with us today to start the discussion about Umbrella Liability insurance.

Employment Practice Liability

Employment Practices Liability (EPL) insurance protects your business against claims from employees, former employees and potential employees who weren’t hired. Hiring, promoting and terminating employees can lead to many allegations from disgruntled personnel.

An unfavorable decision could cost you dearly should you be exposed to a law suit from:

  • Human Rights Discrimination (sex, sexual orientation, age, race, marital status, illness, physical appearance, religious beliefs, etc.)
  • Breach of Contract
  • Slander
  • Libel
  • Deprivation of Career Advancement
  • Invasion of Privacy
  • Harassment
  • Assault
  • Demotion
  • Defamation of Character (and loss of reputation)
  • Unfair Dismissal
  • Emotional Distress
  • Failure to Hire

This specialized insurance coverage is available and will protect your company financially against such accusations.  Even if a claim is baseless, your policy will respond and legal representation will be provided.  We will help you tailor the right policy to protect you fully Get in touch to find out more.

Product Liability Insurance

If you manufacture, distribute or sell a product, you need general product liability insurance to cover you against third party liability. When a product produced or distributed by your company causes property damage or bodily injury to someone, your business may be held accountable. Product liability coverage can protect you against the costs from such legal actions against your business.


This type of protection will cover you, up to your policy coverage limit, for these types of claims:

  • Bodily Injury damage awards in judgement against your company
  • Medical fees
  • Product Property Damage awards in judgement against your company
  • Product Recall expenses
  • Legal Expenses to Defend your organization

Don’t assume your Commercial General Liability coverage will automatically protect against a product Liability incident. Talk to one of our professional advisors who will guide you to the coverage you need to protect against your business’ specific risk exposures which threaten your business.

Cyber Liability Insurance

Most businesses are so reliant on technology these days. Having coverage to protect against a Cyber Breach is vital to your operation. Infiltrations can take over your website, steal sensitive proprietary information, collect private client information and hold data hostage. Aside from the costs associated with downtime, repair and recovery, a cyber breach could leave your business facing lawsuits from people or companies whose data was compromised by the breach.

Therefore, it’s prudent to have both First Party and Third Party cyber security coverage to cover these expenses:

  • Data Restoration Expenses
  • System Damage Expenses
  • Third Party Notification Expenses
  • Public Relations / Crisis Management Expenses
  • Cyber Forensic Investigation Expenses
  • Legal Defense Expenses
  • Regulatory Fines & Penalties
  • Extortion Expense
  • Business Interruption Coverage
  • Credit Monitoring

This is important protection to repair your systems, get you back in business and also provides the financial backing you need to mitigate any resulting legal battles. Call our Cyber experts for your peace of mind.

Environmental Impairment (Pollution) Liability

Insurance productsDamage caused by pollution is a standard exclusion from most general insurance policies. Hence, specialized coverage would be required to provide protection in the event your business is held liable for pollution-related damages caused by it’s products, operations or from it’s facilities. This includes either liquid or gas and whether by sudden or gradual emission. A policy can be designed to provide protection including clean up costs incurred.

Protection can be purchased for the following:

  • Third Party claims for Bodily Injuries, Property Damage
  • Environmental Damages
  • Emergency Response Expenses
  • Clean up Costs of Pollutants and Disinfectant Cost
  • Business Interruption from a Pollution Event
  • Transportation & Disposal of Waste materials
  • Reputation Restoration Expense

Let one of our commercial experts design an insurance policy specifically tailored for the exposures your business operations face. Call us today to get the information and solutions you can rely on.

Commercial Property Coverage

We can’t predict when damage may occur to business assets causing full or partial destruction. Commercial property Insurance indemnifies your business for the costs involved in recreating the building, furnishings, fixtures, important documents, equipment, inventory, and leasehold improvements at your place of business from perils such as fire, theft, vandalism, explosion, water damage and natural disasters.  Most property coverage has a co-insurance clause component attached to it.  This is an agreement between your business and the insurance company to maintain a minimum coverage up to a stated percentage of the full value (usually it is 80 % or 90%).  We’ll take the time to explain this to you as failing to meet the requirement could be costly in the event of a claim.

Also, there are two ways to insure your commercial property:


Replacement Cost:
Repair, replacement or the rebuild of your damaged property will be of the same or comparable quality


Actual Cash Value:
This basis will consider the value of the damaged property minus depreciation

Call us today  and have one of our experts guide you to protect your assets with a proper customized plan that suits your company’s specific needs.

Equipment Breakdown

Insurance productsSudden and accidental things happen in life, but when you’re running a business, any downtime can be costly. Commercial property policies do not cover damage to your equipment from “internal” causes such as mechanical failure, electrical shorts, power surges, motor burnouts, centrifugal force, mechanical breakdown and operator error, to name a few.

To protect from a “sudden and accidental” breakdown, this insurance can provide coverage for nearly everything that is mechanical electrical or under pressure. This coverage protects against property damage to your boilers/furnaces, air conditioning, refrigeration units, electrical panels, mechanical equipment, electronic equipment, computer and any communications system. Extensions to the coverage can also be added for production machinery, business interruption and also for contingent business interruption.

At Blair Insurance, we’d be happy to discuss the details of this coverage with you in the context of managing your risk, and keeping your business moving forward. Contact us today.

Business Interruption

When disaster strikes, your Property insurance will protect your business by covering the cost of replacing your building, equipment, contents and stock. Expenses continue despite interruptions.  Sadly, this and can eat into capital and impair your business’ ability to sustain itself, reopen again and/or prosper. How do you maintain your business income in the meantime while repairs and replacement is ongoing? With Business Interruption coverage you can keep your cash flow and future earnings protected.

This insurance can compensate for your lost income and also your continuing operating expenses.

There are 5 main options to choose from:

  • Extra Expense
  • Gross Earnings
  • Profits Form
  • Actual Loss Sustained
  • Rental Value

Based on your unique business, options can be included for Contingent Business Interruption, inclusion of Ordinary payroll and extending the coverage for interruption periods over 12 months.  Details are important, they make all the difference in making sure you are well protected. Get the expert guidance we can provide, to protect your bottom line and provide peace of mind. Contact us today.


Internal and external theft or fraud can threaten the bottom line of your company.  Crime insurance will reimburse corporations for their financial loss and expenses, resulting from a crime. Protect your business from significant loss caused by either a third party or internal employees.


Internal and external theft or fraud can threaten the bottom line of your company.  Crime insurance will reimburse corporations for their financial loss and expenses, resulting from a crime. Protect your business from significant loss caused by either a third party or internal employees.

As there are many different types of crimes, both internal and external, there are several different types of commercial crime coverage available to protect against:

  • Employee Dishonesty
  • Disappearance of money and securities
  • Cheque Forgery or alterations
  • Destruction or Disappearance of property
  • Counterfeit money
  • Cheque or Credit card forgery
  • Loss of money outside of the business premises
  • Computer Fraud*

*It’s important to note that Crime coverage will not cover resulting losses due to a data breach (Cyber Liability is needs for this)

Fidelity Bond & Fidelity Coverage

Third party crime coverage is also available at Blair Insurance to protect your company should another business claim a criminal act was perpetrated against them by your business.

At Blair Insurance, we take steps to find you valuable protection for your corporation. Let our commercial team assist in mitigating against this risk and safeguarding your corporate assets.

Disastrous event, which sustains your financial security and that of your employees.

How much should you pay for Business Insurance?

Price alone should not be the determining factor when choosing insurance.  Cheaper policies may be tempting however there are other critical factors you should consider, such as the quality of the coverage. Blair Insurance Brokerage experts will do all the research to find the best options to suit your business’ insurance needs and budget.  We know where to go for the most complete and cost-effective coverage.

When shopping for you we consider many factors about your specific business, including:

  • Type of Industry
  • Services you Provide
  • Your Products
  • Your Risk Exposures & Risk Management
  • Your Location
  • Where you do business
  • If you import, where your products from
  • Your claims history
  • Business Classification
  • Number of Employees
  • Your Suppliers &/or Sub-contractors
  • Property Contents (and ease of replacing such)
  • Your Gross Revenue
  • The Coverage Amount selected

Why Choose Us?

Blair Insurance Brokerage guarantees you a personalized approach to handling your insurance needs. We’ve been providing advice and insurance solutions to our customers since 1978. We have a team of dedicated, knowledgeable, and highly skilled professionals. As a well-respected independent brokerage, we have access to Canada’s top-rated insurance companies. This allows us to provide unbiased advice to your business, thereby giving you the best options to choose from. Our professional staff will always put your needs first.

We offer business insurance solutions for many industries including:

Unsure about which coverage can be customized for your business? Give us a call to speak to one of our knowledgeable, and highly experienced professionals. We will be pleased to prepare a business insurance quote.  Blair Insurance Brokerage – our business is protecting business.

Business Insurance Made Easy.

Let Us Contact You At Your Convenience

Talk To Us

We Are Ready To Help You
(905) 472-0774