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Alberta Business Insurance

Optimized commercial insurance for Alberta-based businesses

As one of Alberta’s leading independent commercial insurance brokerages, Acera Insurance works with over 100 commercial insurance companies. This ensures that our knowledgeable business insurance brokers can find you the commercial insurance coverage that fits even the most unique business.

Whether you’re a small home-based business or an international operation, you can trust us with your commercial insurance. Our team has unparalleled experience and knowledge. We also have industry specialists who understand the specific needs of their given industry. They’re your commercial insurance expert, there to answer your questions, advise you, and advocate for you if you have a claim.

The importance of Alberta business insurance for local organizations

Business liability protects the financial interests of Alberta-based business owners or companies by helping fulfill certain legal obligations to a third party for an alleged wrongdoing. Every business, no matter how many people it employs, is at risk of legal liability. Consider it your business’s first line to defend yourself. Your business may even be exposed to being held liable even if you believe you have done nothing wrong; lawsuits can happen simply because a client believed their injuries or damages resulted from your business’ negligence.

The risk exposures of different types of businesses tend to vary, so you can expect each business to have a different need for liability coverage. For example, some companies may benefit from just an Alberta commercial general liability insurance policy, whereas others may have more intricate needs, and may also need cyber liability insurance, or errors and omissions insurance.

A tech company would not have the same risk exposures as a hair salon, for example. The commonality between the two is that they both require some level of business liability insurance to be adequately protected. As to what that level is really depends on the nature of your business.

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Working with over 100 leading insurance providers, we are 100% committed to finding you the perfect commercial insurance coverage.

Explore all of our Alberta commercial insurance products and coverages

We believe in a hands-on, human approach to commercial insurance. We’ll meet with you face-to-face to understand your unique needs and put together a complete package of insurance products that are customized to your company and its objectives.

Acera Insurance offers a wide variety of business insurance products, including:

We also offer industry-specific business insurance to the following Alberta industries:

Call us today to get a free commercial insurance quote or get a free online business insurance quote.

Highly specialized, yet completely down to earth.

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Industry Expertise

On top of being experts in insurance and risk management, our advisors bring in-depth knowledge in your industry.

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Specialty Programs

We’re the choice insurance partner for members of organizations and associations across Alberta and Canada.

Why choose Acera for your Alberta 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.

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Knowledge & Expertise

Our Alberta commercial insurance brokers have deep expertise in specific industries with many of them having worked in the industries they now specialize in. This is a rare benefit we are happy to leverage for our commercial clients.

Insurance Companies Alberta 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.

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Risk Management Recommendations

With extensive risk management expertise, our local Alberta teams go the extra mile to help you protect your business.

Highlighting the most essential Alberta commercial insurance coverages

Here are some of the top commercial insurance coverages which are often applicable to many Alberta-based businesses.

Commercial General Liability in Alberta

Commercial general liability (CGL) insurance is another type of standard commercial insurance coverage that offers coverage in the event your company is held liable for a third party’s injury or property damage. It can cover legal expenses in the event you are sued. For example, if someone walks into your store, slips, and breaks their wrist, they could sue your business. This policy could help cover your defence costs, as well as settlements and awards up to your policy limit. CGL coverage is generally considered to be comprehensive business insurance, but it will not cover every hazard a business may be exposed to.

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Professional Liability Insurance in Alberta

If your business offers a professional service or advice, you could be sued if a client believes they’ve suffered financial loss as a result of your service or advice or failure to provide it. Even if the claim is unfounded, defending yourself in court can be costly, time-consuming, and stressful. Professional liability insurance, also known as errors and omissions insurance, can cover your legal expenses. These include court-awarded settlements, and any costs related to defending your reputation. This type of policy can respond to claims of negligence, misrepresentation, breach of contract, or failure to deliver a service as promised.

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Directors & Officers Liability Insurance in Alberta

Also known as D&O insurance, directors and officers liability is a crucial form of commercial insurance that protects individuals who hold leadership roles. These can include directors, officers, board members, and executives within an organization. D&O offers coverage in the event individuals in such roles are personally sued for actual or alleged wrongful acts committed in the course of managing or overseeing the business. For example, legal action could be taken if a director mixes personal and business financial assets or breached their duties to shareholders.

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Commercial Property Insurance in Alberta

This standard commercial business insurance is essential for all companies, regardless of industry or size. Commercial property insurance protects your business’ physical assets including owned buildings, inventory, equipment, and other contents. Commonly covered perils include theft, fire, explosion, and storms. Flood and earthquake coverage are also usually available as add-on coverage. For example, if a fire started and burnt down your retail store, your commercial property insurance would cover the replacement of your store’s contents as well as the rebuild of the building (if it was owned by your business).

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Cyber Liability Insurance in Alberta

Cyber liability insurance provides coverage for the costs associated with responding to and recovering from a cyberattack. This can include data restoration, legal fees, network recovery, extortion, fines and reputational harm. Some policies also offer access to proactive risk management tools such as cybersecurity training, IT audits, and incident response planning. Whether you store customer data, process payments online, or rely on digital systems to run your operations, cyber liability insurance is a critical safeguard in an increasingly connected business environment.

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Commercial Auto Insurance in Alberta

Whether you operate a single work vehicle or manage a fleet across Alberta, commercial auto and fleet insurance helps safeguard your business from financial loss. This specialized coverage protects vehicles used for business purposes—covering everything from third-party liability and physical damage to accident benefits and optional enhancements. Acera Insurance works with you to tailor a policy that meets provincial regulations and your specific industry needs. From trades and delivery services to transportation and construction, we help keep your vehicles and operations running smoothly.

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How much does commercial insurance cost in Alberta?

When shopping for business insurance in Alberta, you may be tempted to go for the cheapest policy. When you’re running a business, crunching the numbers can be an overwhelming task. There’s a lot of bills to be considered before adding on your commercial insurance.

Here at Acera Insurance, we believe your commercial insurance costs should be factored into your operational expenses – as commercial insurance is critical to your business’ livelihood. It ’s important to balance price with quality of coverage. Inadequate protection isn’t worth the price.

Acera Insurance commercial insurance brokers can take care of the price shopping and research for you: we work with 90 commercial insurance companies to find you competitive coverage and business insurance quotes. Our hands-on approach ensures we understand your organization’s insurance needs and budget.

How much business insurance costs depends on a number of factors:

  • The industry your business operates in
  • What service or products your business offers
  • How many employees your business has and your payroll
  • The risks your business faces
  • Your business’ gross and net revenue
  • Where your business is located and which territories you conduct business in
  • Your business’ property contents
  • Your business’ classification

Acera Insurance is comprised of a number of commercial insurance brokers that have the expertise necessary to get you quality commercial insurance solutions for a reasonable price. Trust us to be your resource if you have any questions about cost.

If you aren’t sure where to start, Acera Insurance offers free online business insurance quotes. Request one today and one of our expert commercial insurance brokers will get in touch with you shortly.

Tailoring commercial insurance solutions to Alberta businesses of all sizes

Although we’ve grown into one of Canada’s largest independent commercial insurance brokers, we haven’t forgotten our Albertan roots. We began by providing business insurance in Alberta. We’ve been helping Alberta’s businesses protect their financial security, assets, and employees for over 60 years. We’ve been there through fire and flood. It’s our privilege to stand beside Alberta’s business community, providing the protection they need to grow with confidence—even when the unexpected happens.

To better meet the needs of our commercial insurance clients, we have two commercial departments: corporate insurance and business insurance.

Alberta commercial insurance for large or complex organizations

Our corporate insurance department focuses on large, complex organizations that have sophisticated insurance needs. Whether you’re public or private, national or international, we can find you competitive commercial insurance quotes and the best commercial insurance coverage. Each of our corporate commercial insurance brokers focuses on specific industries in order to best serve our clients. We provide exceptional customer service and offer a personalized, hands-on approach.

Alberta commercial insurance for small to medium-sized companies

Our business insurance brokers are the experts on small to medium-sized companies, including home-based businesses. We pride ourselves in our fast, responsive service with competitive business insurance quotes and coverages. These brokers understand that you’ve got enough going on with running a business and are there to be your commercial insurance resource and advocate on your behalf. We offer peace of mind and support, so you can get back to serving your clients without worrying about your coverage.

We believe every business is different. That’s why we work with nearly 100 commercial insurance companies to provide competitive business insurance quotes and a variety of commercial insurance products to fit your individual business.

Our brokers understand Alberta’s industries, economy, and risks. Contact us today for your Alberta business insurance quote and to see how we can support your success.

Be certain with your Alberta business insurance: The Acera Insurance difference

  • Annual Service Timeline: We go above and beyond the typical “60-days before renewal” routine of other insurance brokerages. We work with clients to develop a calendar of meetings at regularly scheduled intervals to ensure your insurance program is working for you.
  • Annual Risk Survey: By working closely with our clients, we can stay informed on current operations and exposures, reducing your risks by putting the right coverage in place.
  • Annual Business Interruption Worksheets: What would happen if your business had to shut down temporarily? Acera Insurance can help you understand and evaluate your risks should this happen to you. We can also work with your insurance provider to ensure that interim claim payments are made to assist with cash flow should your business and income be curtailed.
  • Claims Services: At Acera Insurance, we have claims experts and access to specialists. After your claim is reported, we follow up to ensure you’re getting prompt, fair treatment. We’re here to be your advocate during the claims process.
  • Certificate Management: Most of our clients are required to provide proof of insurance to a wide variety of certificate holders. A unique service offered by Acera Insurance is the management of third-party certificates. We work to ensure that any contractors working on your behalf are in compliance with agreed-upon specifications.
  • Infrared Thermography: Evaluate the health of your equipment with infrared technology. This allows you to detect problems before they become serious, saving you time and money, increasing safety, reducing unscheduled outages, improving system reliability, and reducing repair costs from equipment failures.
  • Manage Your Policy Online or Via App: Manage your insurance when and where it’s convenient for you. Our clients have secure, 24/7 online access to their policy information via our web portal or mobile phone app. You’ll always have up-to-date access to vehicle and equipment schedules, driver lists, and Certificates of Insurance. You can also print off Liability Certificates (pink cards), view your policy documents, submit a claim, or request a change.
  • Loss Control & Loss Prevention: An essential part of any risk management program, Acera Insurance can provide loss control and loss prevention services to help you prevent losses, improve your bottom line, and make your account attractive to the insurance market (which can mean lower rates for your business).
  • Market Analysis: When you work with Acera Insurance, you’ll receive a clear and concise annual summary of the insurance companies who have competed for your business. You will also receive periodic updates on the insurance industry and how developments may affect your company or insurance program.

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Ready to get your free Alberta business insurance quote?

Simply complete our online form to receive free, no obligation quotes and advice from an expert broker.