Commercial insurance to safeguard your BC business from unseen risks
With our expertise in business insurance and risk management, Acera Insurance offers competitively-priced coverage to protect your business from a wide range of liability risks. We have commercial insurance experts across BC, including teams on Vancouver Island.
Trusted BC insurance brokers for forward-thinking businesses
If you operate a business in British Columbia, securing the right commercial insurance is essential to protect your assets, your reputation, and your future growth. Comprehensive coverage ensures your business is protected from unexpected challenges, empowering you to focus on success with confidence.
Our Acera Insurance commercial advisors are here for you
At Acera Insurance, we make getting your commercial insurance as easy as possible. Our BC business insurance brokers use their industry knowledge and expertise to shop the market for you, so you do not have to. We provide you with multiple, competitive insurance quotes to choose from, so you can feel confident knowing you’ve received the best rate possible for your unique needs.
Above and beyond commercial general liability insurance
Not only do we provide the best selection of foundational coverages, such as commercial general liability or professional liability, we go above and beyond. From customized coverage options to complex, industry-specific packages, we deliver sophisticated risk mitigation support and thorough insurance solutions.
Delivering commercial insurance quotes BC businesses find competitive and comprehensive.
Request a quote online or call us at 1-855-752-3069.
Top BC business liability coverages to reduce your risks and protect your company
Commercial General Liability Insurance (CGL)
CGL covers property damage or injury claims from a third party as a result of your business operations. It usually includes personal & advertising injury, products-completed operations and can include extensions for tenant’s legal liability and medical payments.
Professional Liability Insurance (E&O)
Also known as Errors & Omissions (E&O) Insurance, this covers your business if you’re sued for causing financial loss due to your professional service or failure to provide it.
Directors & Officers Liability Insurance (D&O)
D&O covers claims alleging financial loss from corporate mismanagement. It is specifically meant to protect the personal assets of directors and officers when they are sued in their personal capacity.
Commercial Cyber Liability Insurance
This covers claims of financial loss due to a cyber attack or privacy breach. It should include both first party (breach response, loss of income, systems restoration) and third party (privacy liability, network security liability, regulatory liability) coverages.
Umbrella Liability Insurance
To ensure you have adequate coverage for liability exposures, an umbrella policy can provide additional coverage limits over other liability policies, such as CGL and auto.
Commercial Auto Insurance
If you use vehicles in your business, this provides the necessary coverage for commercial vehicles, including third-party liability coverage.
Are you a small business owner?
Every small business is unique, with differences in size, staffing, and annual revenue. That’s why the insurance solutions listed above are designed to address a wide range of risks and requirements — there’s no one-size-fits-all policy here. Our experienced small business specialists are ready to work with you to further customize your coverage and risk management strategies, ensuring your protection is tailored to your specific needs.
Visit our small business insurance page to see how our solutions can protect your business.
Why select Acera for your BC business insurance?
We’re in the business of protecting yours. We’ll take the time to understand your operations and risks so you can be certain you have the right coverage.
Extensive Insurance
Knowledge & Expertise
Our Vancouver Island commercial insurance brokers have deep expertise in specific industries with many of them having worked in the industries they specialize in.
Insurance Companies BC Businesses Can Trust
We work with a large number of insurer partners, allowing us to get the right coverage for your business, whether you operate locally, nationally or internationally.
Risk Management Recommendations
With extensive risk management expertise, our team goes the extra mile to help you protect your business.
Trusted Vancouver Island Commercial Insurance Advisors
We have been proudly serving businesses across Vancouver Island and British Columbia for decades. With our brokers you are never just a policy number. In fact, we love to meet with our clients in person. Feel free to stop by one of our offices and we’d be happy to chat about everything from tips on how to save on your insurance to risk-mitigation measures.
Victoria Business Insurance
As the Victoria business insurance provider go-to for all professionals in the city and surrounding British Columbia, Acera Insurance remains a favourite for a number of reasons. Our Uptown and Redbrick teams are dependable and always have your back. We know that every business is unique and calls for customized Victoria business insurance solutions, our local teams are well-versed in all areas of commercial risk, and our size allows us access to a considerable number of insurance markets to adequately protect your business from every risk your industry may be exposed to.
Free Victoria business insurance quotes
It is important that you do what you do best, run your business, and leave the business insurance to us. Building a business from the ground up may mean that you have taken a risk or two. Luckily, Acera Insurance is here to help mitigate those risks. We can help to secure your business, property, and company assets with a comprehensive business insurance policy. No matter the industry you operate in, Acera Insurance has experts ready to help you. You can receive a complimentary quote with no obligation today.
Nanaimo Business Insurance
Acera Insurance is the Nanaimo business insurance provider of choice for a wide range of professionals and companies within the city. As leading experts in the insurance industry, we understand that every business has specific requirements when it comes to tailored business insurance. Our Nanaimo business insurance team will learn the ins and outs of your business to offer coverages that best fit your needs. We ensure your business’ property, contents and services or products provided are taken into consideration when customizing your unique insurance policy.
Free Nanaimo business insurance quotes
Acera Insurance understands that, to do your job properly, you need the right tools for the job. The same holds true with your insurance policy; leave the logistics to us and we will insure you are sufficiently covered. Whatever industry your business is in, Acera Insurance has skilled agents and risk management solutions ready to help you. Have peace of mind by getting a free business insurance quote in Nanaimo with Acera Insurance today. We are here for you so that you can focus on what matters most to you, your business.
Working with over 100 leading insurance providers, we are 100% committed to finding you the perfect coverage.
Highly specialized, yet completely down to earth.
Industry Expertise
On top of being experts in insurance and risk management, our advisors bring in-depth knowledge in your industry.
Specialty Programs
We’re the choice insurance partner for members of organizations and associations across BC and Canada.
Choose Acera Insurance: Your dedicated BC insurance brokers
When it comes to protecting your business in British Columbia, you deserve a partner who understands your needs and is committed to your success. Acera Insurance stands out as one of BC’s leading brokerages, with access to over 100 renowned global insurers and underwriting facilities. Whether you’re running a small home-based business or managing a large international operation, our skilled team will help you secure comprehensive and affordable commercial insurance tailored specifically for you.
As an independent, employee-owned Canadian company, Acera Insurance puts you first — always. Unlike direct insurers, we advocate for your interests, comparing offerings from all the trusted insurance providers to ensure you get the best coverage at the best price. With us, you’re not just another client; you’re a valued partner.
Here are just a few of the other reasons why our clients choose Acera Insurance:
- Canada’s largest independently-owned, employee-controlled brokerage. We offer stability and a personal commitment to every client.
- We provide local, regional, national, and international representation, connecting you to the coverage you need wherever you operate.
- Our insurance capabilities are unmatched, with broad expertise that ensures you get the right protection at the right value.
- Our exceptional claims support means our experienced team stands by you, delivering swift and effective solutions when you need them most.
At Acera Insurance, we’re more than just brokers — we’re your risk management allies. We proactively help with future planning and advocate for you in the event of a claim. Our mission is to bring certainty and peace of mind to your business, ensuring you’re protected against the unexpected and positioned for success.
Partner with Acera Insurance today. Experience the difference that expertise, commitment, and genuine care can make for your business.
Answering your most common liability insurance questions.
What type of liability insurance does my business need?
It’s best to speak to an experienced insurance advisor to determine what type of liability insurance your business needs. It will depend on your individual company’s industry, size, operations and other factors. Some industries have specific regulations or recommendations for what types of insurance businesses should carry as well.
Do you need liability insurance for all businesses?
In most cases, yes, you’ll need liability insurance for your business. The exact type of liability coverage you require will depend on your individual business and its operations; we recommend reaching out to one of our experienced advisors to discuss your needs.
What does business liability insurance cover?
Generally speaking, liability insurance covers your business’ legal expenses if you’re sued. This includes defence costs, settlements and judgement awards. Each type of liability coverage is specifically designed to cover a specific litigation risk: for example, commercial general liability insurance covers claims of property damage or bodily injury to a third party.
What are the benefits of liability insurance for a business?
Liability insurance helps protect your business financially if you are sued. It helps you navigate the process and covers the costs associated such as your legal defence costs, settlements and judgement awards, up to your policy limit.
In some cases, you may be required to hold certain types of liability insurance by a regulator.
What is the difference between general liability and professional liability insurance?
General liability insurance covers claims related to bodily injury, property damage and advertising injury caused by your business operations. Professional liability insurance, on the other hand, also known as errors and omissions insurance, covers claims of negligence, errors, or omissions related to professional services provided by your business.
Are there exclusions to what business liability insurance covers?
Yes, business liability insurance policies usually exclude certain risks, such as intentional acts, contractual liability beyond the policy’s scope, professional errors (which are covered by professional liability insurance), pollution, and cyber liability. Reviewing your policy and understanding these exclusions is crucial to avoid any future misunderstandings.
Can business liability insurance cover employee injuries?
Business liability insurance typically does not cover employee injuries. Instead, businesses are required to have worker’s compensation and other insurance solutions to cover employee injuries and illnesses arising from work-related activities.
How can I lower the cost of business liability insurance?
Businesses can potentially reduce the cost of liability insurance premiums by implementing risk management strategies. These strategies include improving workplace safety, maintaining accurate records, and reducing claims history. Opting for higher deductibles, bundling policies, and collaborating with an experienced business insurance advisor can also help secure competitive rates.
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