Business Insurance for your Professional & Commercial Operations
Why Choose Us?
For our Expertise
At Harbord, we have a department dedicated exclusively to Business Insurance. Business Insurance is different from other kinds of insurance, and obtaining the right insurance is vital. When you contact Harbord to talk with a commercial property or business insurance broker, you’ll be referred to one of the most knowledgeable Business Insurance brokers in the Province. Just call 250-412-0932 for a quote.
Whether it’s commercial general liability insurance, commercial property insurance, office insurance, contractors insurance, directors & officers liability insurance, professional liability insurance or retail business insurance, our experts work with you and help you find the correct business insurance for your company.
Your Dedicated Business Insurance Team
Susan Nicklen, CIP
Senior Commercial Insurance Broker
Susan brings 30+ years of experience specializing in commercial & business insurance, both as a broker and senior commercial underwriter with a major insurer. Experienced with all classes of business insurance including commercial property, casualty, surety, crime, equipment breakdown, errors & omissions and director’s liability.
Joanne Perry, CIP
Senior Commercial Insurance Broker
Joanne is responsible for small and mid-size business accounts. She brings 30+ years of experience specializing in business insurance, both as a broker and senior commercial underwriter with a major insurer. Experienced with all classes of commercial and business insurance.
Scott has accumulated 9+ years working in insurance, 7+ years as a insurance representative and 2+ years as a commercial & business insurance underwriter.
Patricia Whitefield, CAIB
Patricia brings 30+ years of experience as an insurance broker which include many years brokering commercial & business insurance.
Odds are, you’ll find that we come up with a significantly lower price. Our job is to obtain the best pricing on your behalf and to do that we shop the marketplace for quotes. In the last 12 months, we’ve used two dozen markets to place businesses on behalf of our business & commercial insurance clients.
Commercial General Liability Insurance
Protects your business if you’re found legally liable for injuries or property damage caused by your product, completed work or accidents on your premises involving visitors or customers, or at your customer’s location. Coverage can include:
- Bodily injury and property damage liability
- Personal injury liability
- Medical payments
- Tenant’s legal liability (if you rent or lease your workspace)
- Commercial Umbrella liability protection with additional limits, including coverage for lawsuits outside of Canada
Commercial Property Insurance
Protects your physical assets such as building, stock, equipment, and computers, including equipment removed from your premises (at a client’s business, temporarily in transit). It includes standard coverage for loss due to fire, theft or vandalism and covers the cost to rebuild or repair the business property.
You’re also covered for loss of business income in the event of a claim.
Service providers and professionals have special business insurance needs. Whether you use specialized equipment, work offsite or consult clients in your office, let us make sure that your business is covered.
Whether you’re a general contractor, sub-contractor or construction tradesperson, you need coverage that protects you, your employees, your building materials and your equipment – on the job, in the shop, and in transit.
Directors and Officers Liability Insurance
Directors and officers of a corporation or board need financial protection against claims from the board’s or corporation’s activities.
These individuals, whether paid or working as a volunteer, are held liable for actions of a fiduciary nature. These actions could be a breach of duty, a misstatement, error or omission in your capacity as a director or officer of the corporation or board.
Professional Liability Insurance
Also known as Errors and Omissions insurance, this form of liability insurance that helps protect professional advisors, consultants and other service providers from bearing the full cost of defending against a negligence claim made by a client, and damages awarded in such a civil lawsuit.
Retail Business Insurance
In retail, you work with the public every day, which exposes your business to many risks. We can help you protect your business against general liability, business interruption, contents, and inventory theft, building and equipment claims, equipment breakdown or other unexpected events.