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Business Insurance for your Office

Comprehensive & affordable insurance for your office space.

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Compare rates from Canada's leading business insurance providers.

Safeguard Your Business with Tailored Insurance Coverage for your office

At Insurance Genie, we understand your office's unique challenges in today's dynamic business landscape. That's why we give you the tools to find unbeatable business insurance solutions exclusively designed to protect your dreams and ensure a worry-free future. Find comprehensive and innovative coverage options that allow you to stay ahead of risks and focus on what matters most—growing your business.

Mitigate Liability Risks and Safeguard Your Business

Liability risks are another concern for office owners. Accidents happen, and you could face costly legal claims if someone gets injured on your premises. With our reliable insurance solutions, you can mitigate these risks and safeguard your business from potential financial setbacks.

Ensure a Steady Cash Flow with Business Interruption Insurance

We know that uninterrupted business operations are crucial for your success. That's an innovative coverage option that includes business interruption insurance. Should a covered event, like a natural disaster, disrupt your operations, this coverage ensures that your income continues flowing and your ongoing expenses are covered. You can focus on getting back on your feet without worrying about financial strain.

Proactive Risk Management Support for a Safe and Secure Work Environment

It's not just about protection. We believe in being proactive and helping you manage risks effectively. Our team of experts is here to provide risk management support, offering valuable resources, safety guidelines, and consultations. We want to empower you to create a safe and secure work environment for your employees and clients.

Tailored and Affordable Coverage Options to Fit Your Budget

We understand that budget is always a consideration, especially for small and medium-sized businesses. That's why we help you find tailored and affordable coverage options to find the right level of protection that fits your specific needs and financial situation.

Comprehensive Protection for Your Office

When it comes to protecting your office, leave no stone unturned. Comprehensive coverage options encompass a range of essential insurance policies tailored to meet the needs of office-based businesses:

Property Insurance: Safeguard your office space, equipment, furniture, and inventory against unforeseen events such as fire, theft, or natural disasters. With Insurance Genie by your side, you can have peace of mind knowing that your physical assets are protected.

General Liability Insurance: Protect your business from third-party claims arising from bodily injury, property damage, or personal injury. Whether it's a slip-and-fall accident or damage caused by your employees, our reliable coverage will keep your business secure, giving you the peace of mind to focus on your business.

Business Interruption Insurance: Secure your income and ongoing expenses in the event of a disruption to your operations due to covered perils. With Insurance, you're not just covered; you're prepared for the unexpected, allowing you to bounce back swiftly and minimize the impact on your bottom line.

Cyber Insurance: In today's digital age, cyber risk threats loom. Our innovative cyber insurance solutions can safeguard your office from data breaches, cyberattacks, and financial losses resulting from these incidents. These solutions can also protect your sensitive data and preserve your reputation.

Why Choose Insurance Genie?

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Simplified Claims

Insurance Genie is dedicated to helping you find a simplified claims process for your office insurance.

tailored insurance solutions for commercial offices

Tailored Solutions

Find tailored solutions to ensure you have the right coverage to safeguard your physical assets in your office and your investments.

Unparalleled customer service for office insurance

Unparalleled Service

Insurance Genie prides itself on delivering unparalleled customer service to our valued clients.

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Customer
Quoted from:
February 3, 2023
Male, 29 years old
Vehicle
2018
Honda
Accord
Average rate
$
306
/mth
$
3,672
/yr.
Our rate
$
210
/mth
$
2,520
/yr.
Location
Ontario
Saved
$
96
/mth
31
%
savings
Customer
Quoted from:
January 31, 2023
Male, 34 years old
Vehicle
2022
Tesla
Model X
Average rate
$
318
/mth
$
3,816
/yr.
Our rate
$
192
/mth
$
2,304
/yr.
Location
Ontario
Saved
$
126
/mth
39.6
%
savings
Customer
Quoted from:
January 26, 2023
Male, 64 years old
Vehicle
2015
Jeep
Wrangler
Average rate
$
135
/mth
$
1,620
/yr.
Our rate
$
87
/mth
$
1,044
/yr.
Location
Ontario
Saved
$
48
/mth
35.5
%
savings

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Experience the Insurance Genie Difference:

Choosing the right insurance partner is a crucial ingredient in your recipe for success. Insurance Genie is committed to helping you find the right provider to support your commercial office space by offering reliable and tailored insurance coverage. Find a team of experts who understand the intricacies of office space and can guide you through the process, ensuring you have the protection you need. With Insurance Genie by your side, you can focus on moving your business forward, knowing your assets are protected.

Frequently Asked Questions

Why Do I Need Business Insurance for My Office?

At Insurance Genie, we understand office-based businesses' unique struggles and risks. We're here to be your trusted partner, guiding you through the complex world of insurance and helping you make the right choices for your office.
Picture this: you walk into your office one morning, and there's been a fire overnight. The damage is extensive, and the financial burden could be overwhelming without insurance. But with our comprehensive coverage options, you can rest easy knowing that your physical assets are protected. From office equipment to furniture and inventory, we've got you covered.

 What is the most common type of business insurance?

The most common type of business insurance is general liability insurance. This policy protects businesses from third-party claims of property damage, bodily injury, or advertising injury. It covers legal expenses, medical costs, and settlements if your business is found liable for such incidents. General liability insurance is crucial for companies of all sizes and industries, providing essential protection against common risks.

What is a front office in insurance?

In the insurance industry, the term "front office" typically refers to the customer-facing or sales-oriented roles within an insurance company. These professionals interact directly with clients, handle policy inquiries, process claims, and assist customers with their insurance needs. The front office is vital in delivering excellent customer service and building strong relationships with policyholders.

Why is office insurance important?

Office insurance is vital for several reasons:

  1. It helps safeguard physical assets such as furniture, computers, and inventory against risks like fire, theft, and natural disasters.
  2. It provides liability protection in case someone gets injured on your premises or if your business activities cause harm to others.
  3. Office insurance offers financial security by covering the costs of business interruptions, such as repairs or relocation, and compensating employees in case of work-related injuries or illnesses.

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Business Information

Is your mailing address the same as the business address?
Do you own or lease the building/unit that the business operates from?
Are all employees and physical locations based in Canada?
Is your company a Canadian domiciled company?
Do you have employees or physical locations in Quebec?
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Business Details

It's a pleasure to meet you! We're looking forward to knowing more about your company. Just a few more questions and we can find you the best fit for your business insurance.

Do you have a similar insurance policy in place?
Will all your revenue be generated in Canada?

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smart
Learn more about CGL Insurance

CGL provides coverage for bodily injury or property damage caused by products you sell, services you offer or locations from which you operate. The insurance coverage provided within a CGL policy includes Employers Liability, Employee Benefits Liability, Tenant's Legal Liability, Products Liability, Personal Injury, Advertising Injury, Completed Operations, and Non-owned Automobile.

We suggest you have at least $2M as your liability limit
Learn more about what's included:
  • Employers Liability: Most employees are covered by worker's compensation but some employees do not qualify. Thus, the employers' liability provides bodily injury if an employee gets hurt at work—specifically, office employees who are not covered by worker's compensation.

  • Employee Benefits Liability: Provides employers who make an error or omission in administering their employee benefits program.

  • Tenant's Legal Liability: Included within most commercial general liability policies; and provides coverage for damage to a premise that you rent or control in which a covered peril damages the rented space within your care, custody and control. The policy does not cover the property you own within the rented space, only the damage caused to the landlord's property.
  • Products Liability: This is included within most commercial general liability policies and provides coverage for any bodily injury or property damage caused by the products you sell.
  • Personal/Advertising Injury: Encompasses a range of non-physical injuries that stem from specific actions. These actions include, but are not limited to, false arrest, detention or imprisonment, malicious prosecution, wrongful eviction or entry, defamation through oral or written publications, and infringement of an individual's right to privacy. These injuries may arise from various scenarios, such as being falsely accused, wrongfully evicted or having one's reputation tarnished through defamatory statements.
  • Completed Operations: Refer to injuries that are not physical and occur after a specific action or event has been completed. These actions include, but are not limited to, false arrest, detention or imprisonment, malicious prosecution, wrongful eviction or entry, defamation through oral or written publications, and infringement of an individual's right to privacy. These injuries may occur as a result of a completed service or project and can have long-lasting effects on the individual or organization involved. It's important to note that these injuries differ from Bodily injuries, which are physical injuries caused by an accident or incident.
  • Non-owned automobile: This coverage offers protection against liability when an employee uses their personal vehicle for business purposes. It is meant to cover situations where a business-related accident occurs while an employee is driving their car, not the company-owned one. This coverage is intended to fill the gap when the employee's personal auto policy needs to provide adequate protection. It's important to note that this coverage applies only when the vehicle is not owned, registered or contracted by the named business or on its behalf.