Kingston Business Insurance

Safeguard your company with Kingston commercial insurance

Running and managing a business is hard work. Most business owners often find themselves “wearing many hats” or handling multiple aspects of their operations. When it comes to commercial insurance, we can help. Let us take on the task of evaluating your insurance risks, researching your options and securing the best commercial insurance coverage for your business.

As one of the largest independent and employee-controlled brokerages in Canada, we utilize our network of over one hundred insurance partners to develop tailored commercial solutions. Our dedicated and local commercial advisors have decades of experience working across a diverse range of industries. We understand how much time and energy goes into managing a successful business. At Acera Insurance, we look out for you best interests.

When working with an Acera Kingston commercial insurance broker, you are collaborating with a trusted partner. We are your experts and advocates. Our team helps set you up for success by working with you to develop risk management strategies. Plus, we provide you with financial and legal protection by obtaining the best insurance coverage for your company.

Types of business insurance in Kingston

Understanding your commercial insurance coverage options is key to ensuring your company is properly protected. While our business insurance advisors create packages specifically designed for your business, we wanted to start by sharing information on the top coverages applicable to most Kingston businesses.

Kingston General Liability Insurance

Commercial general liability, also known as CGL, is one of the most commonly recommended and necessary insurance types for businesses in Kingston. If someone is injured while on your premises or has their personal property damaged, this coverage helps protect you in the event they take legal action against you. This foundational coverage is applicable to almost all businesses.

Kingston Professional Liability Insurance

If you offer professional advice as part of your services, you need professional liability insurance. This product is also known as errors and omissions insurance or E&O coverage. It can cover legal expenses if a client decides to sue you for financial losses arising from adhering to your professional guidance. E&O is another important and frequently purchased business insurance coverage.

Kingston Commercial Property

For brick-and-mortar companies with a physical storefront and in-person operations, commercial property insurance is key. This type of coverage offers protection for both the building itself and the contents stored inside.

Kingston Commercial Vehicle Insurance

If you operate a vehicle for work purposes, commercial auto insurance provides the protection you need to drive with confidence. This type of business insurance offers liability and vehicle damage coverage for cars, trucks and vans which are an integral part of your commercial operations.

Kingston Cyber Insurance

No matter the size of your company, you could be vulnerable to cyberattacks or data breaches. Purchasing commercial cyber insurance ensures you are properly protected. Cyber liability covers costs associated with cyber extortion, as well as financial loss associated with business interruption. It can also cover legal expenses and costs associated with recovering your reputation.

Risks for businesses in Kingston, Ontario

Severe weather and natural disasters

Kingston’s location to Lake Ontario can make businesses more vulnerable to extreme weather events, such as ice storms, blizzards, heavy snowfall, strong winds and floods. Given these types of events can cause increased damage and disrupt business operations, it is important to ensure your company is properly protected with the right levels and types of commercial insurance.

Economic fluctuations

As a smaller city, Kingston’s local economy can be sensitive to changes in industries like tourism, education or government services. A downturn in any of these sectors could impact consumer spending and in turn impact business stability.

Cybersecurity threats

Small to medium-sized local businesses are increasingly becoming the target of cyberattacks, phishing attempts and data breaches. Falling victim to one of these malicious attacks can have a costly impact to your company and reputation.

Cost of Kingston Business Insurance

In Kingston, the amount businesses will pay for their commercial insurance is based on factors specific to their company and operations. These determining factors include:

By working with a local commercial broker, you can be certain you are not paying for more coverage than you need. At Acera Insurance, we work to understand the ins-and-outs of your business and operations to create carefully considered recommendations on the right amount of coverage for your needs.

To get a free estimate, submit an online quote request or contact one of our local Kingston commercial insurance brokers today.

Benefits of working with a Kingston business insurance broker

As one of Canada’s largest, independent and employee-controlled brokerages, our team works for you, not an insurance company. We leverage our industry knowledge and extensive experience to create innovative, customized solutions which can easily adapt to the changing needs of our commercial clients.

Acera Insurance’s Kingston business experts can do the following for you:

• Review your Kingston company’s insurance needs
• Source competitive Kingston commercial insurance quotes
• Find the best Kingston business insurance at the best possible price
• Offer risk mitigation expertise and advice
• Deliver exemplary customer service
• Provide claims advocacy and support

Our team has been supporting the insurance needs of local and national businesses for more than 60 years. If you are looking for an insurance partner, give us a call to learn more about what we can do for you.