Surrey Business Insurance

Safeguard your company with Surrey commercial insurance

Whether you are a general contractor, a real estate agent or a boutique clothing store owner, we want to help you achieve your professional goals. With over 30 years of commercial insurance experience in Surrey, we understand the best way of accomplishing your business objects starts with protecting yourself and becoming educated on the risks associated with your industry and company. 

Building a career and establishing a company takes countless hours of dedication and determination. You’ve put a lot of effort into getting to where you are, and your business deserves insurance you can trust. At Acera Insurance, we represent the largest international, national, and regional insurers, as well as multiple niche providers. 

In fact, as one of the largest independent and employee-controlled brokerages in Canada, our Surrey commercial advisors utilize our network of over one hundred insurance partners to develop tailored commercial solutions for our clients. We make the process of getting the coverage you need as easy as possible, so you can get back to running your business with confidence in knowing you are properly protected.

Types of business insurance in Surrey

Knowing all of your commercial insurance options is the first step to ensuring your company has the protection needed to thrive and bounce back in challenging times. When working with Acera Insurance, one of our dedicated Surrey business experts will work with you to develop a plan that is built specifically for your industry, company and risks. Within one of these tailored commercial packages, we may recommend some of the key coverages highlighted below.

Surrey General Liability Insurance

One of the most important, foundational coverages for all businesses in Surrey. Commercial general liability or CGL insurance provides you with third-party bodily injury coverage and property damage. This means if someone injuries themselves while on your company premises, your CGL policy provides protection in the event legal action is taken against you. It also offers coverage if someone has their property or personal belongings damaged while on business property.

Surrey Professional Liability Insurance

Do you offer consulting services? If the answer is ‘yes’, you need professional liability insurance. Also known as errors and omissions (E&O) insurance, this product can provide you with vital financial protection. For example, if a client opts to sue you for advice which caused a loss in profits, your E&O insurance would cover legal expenses to defend yourself (whether you are guilty or not).

Surrey Commercial Property

Whether your business owns or leases a building, commercial property can insure your business against common physical hazards, such as fires, storms, theft, vandalism, wind, hail and so on. This coverage not only provides protection for the physical structure of your office, it also covers the contents inside. From office furniture, supplies, electronics, computers, inventory and more, your commercial property policy covers the costs associated with repairing or replacing these items.

Surrey Cyber Insurance

No business is completely immune to a cyberattack. Local shops and large commercial chains alike can both fall victim to data breaches. However, small to medium businesses may have additional vulnerabilities if less resources are allocated to developing and maintain a cyber security policy. Purchasing cyber liability insurance ensures you are properly protected. In the event of an incident, your commercial cyber coverage can offer support with expenses associated with cyber extortion, financial loss from business interruption and costs associated with reputation recovery.  

Surrey Home-Based Business Insurance

Whether you are a start-up company working out of your garage, an independent contractor, or a growing business, you need the proper insurance for your venture. At Acera Insurance, we can safeguard your home-based business with cost-efficient coverage that protects your business from fire, theft, property and equipment damage, business interruption, and more.

Risks for businesses in Surrey, BC

Real Estate and Rental Costs

There are pros and cons to being in such close proximity to Vancouver. Surrey’s rapid growth and distance from the largest metropolis in British Columbia have led to rising commercial property and rental costs. This in turn can put pressure on small businesses, especially in high-demand areas. Any unexpected costs could put a strain on your profits, so having the right insurance protection is key.

Crime and Security Concerns

Some areas and communities within Surrey have higher crime rates, which can include theft, vandalism and fraud. Retail businesses and operations with warehouses may need to invest in enhanced security measures. Ensuring you have commercial property insurance is important to protecting your business and inventory.

Traffic and Infrastructure Issues

Surrey’s transportation network faces congestion, particularly on major roads and highways. This can affect supply chain logistics and delivery times, leading to some inefficiencies and higher costs. A risk mitigation expert can help advise on which coverages you need to support the level of goods transported to and from your operation.

Cost of Business Insurance in Surrey

Your commercial insurance premiums are unique to your business and are based on a few key determining factors, which include:

In order to get an accurate estimate, it is important to speak with a dedicated commercial broker. The process is easy. Simply fill out an online form or call our local office. Then, one of our business advisors will use their industry knowledge and market access to provide recommendations on the right level of coverage for your needs. The result? You will receive a precise quote you fully understand. Plus, they can also discuss ways you can save on your insurance and provide advise on risk mitigation.

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

Advantages of working with a Surrey business insurance broker

At Acera Insurance, we care about your business. As one of Canada’s largest, independent and employee-controlled brokerages, our team works for you, not an insurance company. We provide you with the utmost choice in insurance providers. You can always count on us to provide unbiased advice and keep your best interests in mind. 

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

• Evaluate your Surrey company’s insurance needs
• Research comprehensive commercial insurance solutions
• Supply competitive business insurance quotes
• Provide risk mitigation recommendations
• Offer reliable customer service support
• Act as your claims advocate

Our team has been supporting the insurance needs of local and national businesses for decades. If you are looking for an insurance partner, give us a call and learn first-hand what we can do for you.