Commercial Property

Commercial Property Owner Liability Insurance

Protect Your Investment and Your Peace of Mind.

Owning a commercial property—whether it’s an office building, retail space, warehouse, or rental complex—comes with responsibilities and potential risks. Accidents, tenant disputes, or damage to third-party property can lead to expensive legal claims. Commercial Property Owner Liability Insurance ensures you’re financially protected so you can focus on managing your investment.

What Does Commercial Property Owner Liability Insurance Cover?

Our policies typically include:

General Liability Coverage – Protection against third-party bodily injury or property damage claims occurring on your property.
Tenant Liability Protection – Covers legal expenses if a tenant files a lawsuit related to unsafe conditions or property damage.
Legal Defence Costs – Lawyer fees, court costs, and settlement expenses.
Property Damage to Others – If damage occurs to neighbouring buildings or properties.
Loss of Rental Income (Optional) – Compensation for lost income due to a covered incident.

Who Needs This Coverage?

Architect & Engineer Liability Insurance

As an architect or engineer, your work shapes buildings, infrastructure, and communities. With that responsibility comes significant risk—design errors, project delays, or construction issues can lead to costly lawsuits. Architect & Engineer Liability Insurance safeguards your career, finances, and professional reputation by covering claims of negligence, errors, or omissions in your work.

What Does Architect & Engineer Liability Insurance Cover?

Our policies typically include:

Professional Liability (Errors & Omissions) – Covers legal defence costs and settlements for professional mistakes or oversights.
General Liability – Protection if your business activities cause third-party bodily injury or property damage.
Contractual Liability – Covers risks that arise from signed project agreements.
Legal Defence Costs – Includes lawyer fees, court expenses, and expert witness costs.
Completed Operations Coverage – Protection for claims arising after a project is finished.

Why You Need Architect & Engineer Liability Insurance

In your profession, even the smallest miscalculation can result in large financial losses for a client. Without proper coverage, a single claim could severely impact your business and reputation.

Trade & Contractor Liability Insurance

Whether you’re a plumber, electrician, carpenter, or general contractor, working in trades comes with unique risks. Accidents, property damage, or client disputes can happen unexpectedly—and without proper coverage, they can cost you your livelihood. Trade & Contractor Liability Insurance ensures you have financial protection against these risks so you can focus on getting the job done.

What Does Trade & Contractor Liability Insurance Cover?

Our policies typically include:

General Liability Coverage – Protects against claims of third-party bodily injury or property damage.
Completed Operations Coverage – Covers claims arising after a project is completed.
Tools & Equipment Coverage – Protection for theft, damage, or loss of your tools.
Product Liability – If a product you install or provide causes harm or damage.
Legal Defence Costs – Covers court fees, lawyer expenses, and settlements.

Why You Need Trade & Contractor Liability Insurance

In trades, even a small mistake can lead to big expenses. Without insurance, you could be personally liable for injuries, damages, or legal claims made against you. This coverage ensures your business stays protected and operational.

Retail Business Liability

Running a retail business—whether it’s a boutique, convenience store, supermarket, or specialty shop—comes with daily customer interactions and financial risks. Accidents, customer injuries, or property damage can happen at any time. Retail Business Liability Insurance provides the protection you need to safeguard your business from costly legal claims.

What Does Retail Business Liability Insurance Cover?

Our policies typically include:

General Liability Coverage – Protection against third-party bodily injury or property damage claims in your store.
Product Liability – Covers claims if a product you sell causes injury or harm.
Tenant’s Legal Liability – If you lease your retail space, this covers damage to the property you rent.
Legal Defence Costs – Covers lawyer fees, court costs, and settlements.
Business Interruption Coverage (Optional) – Compensation for lost income if your store must close due to a covered incident.

Why You Need Retail Business Liability Insurance

Even a minor slip-and-fall incident or defective product claim can result in significant expenses. This insurance ensures you’re financially protected so you can focus on running your business.