Your business in Nova Scotia is your livelihood and if anything happened to it, you could be in serious trouble. That is why it is of the utmost importance to have the right kind of Commercial Property Insurance. Maybe you think you have everything covered, and no matter what happens you are protected. However, this is not always the case.
James R was in the hardware business and his family owned the hardware store since the 1930s. Over the years, James made a lot of changes to keep up with the times and competition from the local home improvement centre. However, James concentrated on quality products, service, and advice, and was able to win a lot of new and loyal customers to his store.
One day James read an on online article about Business Property Insurance and he wondered if he had everything in his store covered. To be sure, he decided to talk to an insurance professional with many years in the Commercial Insurance industry. James and his insurance person went over all the aspects of his business and James realized that he was not covered for flooding. Years ago, he decided to drop the coverage because there had been no problems with flooding in the area for years. However, his insurance person reminded James that the coverage was not expensive and asked him what he would do if his store was flooded. This made James realize he was taking an unnecessary risk, so he opted for flood insurance.
Two years passed and James forgot about his Commercial Insurance policy and life was pretty good. However, one evening a large storm came up with flash flooding and it caused the sewers to back up and resulted in a great deal of damage to the store. James was covered for this problem and his business was able to survive, while several other local businesses went under.
Do you own and operate a business? Is that business located in some kind of real estate or property? Then you need insurance. It doesn’t matter if you are renting your building or not, you still need to insure contents and protect your legal interests. This also includes those that rent commercial properties to businesses.
When it comes to commercial property, it is very difficult to define a “standard insurance policy”. There are just too many variables to consider. However, here are some common options:
You may need several options including raising the limits on your general liability coverage. You also may want to consider:
These are only some of the options that you may need. You should talk to an experienced insurance professional to get the right kind of coverage.
When you need to insure your business, come to professionals like Founders Insurance Group. We have people with many years of experience and we have been serving the insurance needs of Nova Scotia since 1982. Our insurance people do not represent a single company. They are independent brokers that can give you a wide variety of choices at the best rates. Let us do the insurance shopping for you, and make your job easier.
Whether you own a small business, large business, or operate out of your home, Founders Insurance Group can take care of your Business Property Insurance needs. Call us today at 1-877-798-5981, or visit our contact page to make an appointment outside of normal business hours.
A Quick Turnaround Peter was fantastic! I called in a bit of a panic needing insurance on my rental. Being out of the province, I thought things would take a while and be much more difficult. However, with Peter taking care of it, he had everything completed and the insurance active within a couple hours. He was simply amazing. Thank you Founders Insurance for taking this stress off my plate and putting my mind at ease.
I wanted to put in a good word for Janice who has been absolutely excellent to work with. I had been with another company for many years and was just introduced to Janice via my boyfriend this year. She has been very efficient and knowledgeable! A real pleasure to work with.
Going the Extra Mile From working in customer service myself, I know it can be a challenge dealing with all types of people. Sadly, the public is the first to make a complaint, but never a thank you, it seems. Peter Aalders was a pleasure to deal with and certainly gave me the information accurately and promptly. Peter even commented on the discounts he applied and the different companies he contacted to give me the info I needed to make my decision. That was the 'extra mile' he gave to an unknown caller. Thank you for such prompt response and being so courteous on the phone to me, including the receptionist!
WRASCIALLY WABBIT?!? We have been with founders for 17years! Recently we were driving on the Highway when a Rabbit yes a Rabbit literally jumped out in front of our Newer Sante Fe and jumped right at our Vehicle!!! We thought wow bet that will leave a mark. When we got to our destination you can imagine our shock when part of the rabbit was still in our bumper!! I called Janice Pottie whom I have dealt with for years and she advised us quickly on what to do and we called the 1800 number to report it. Janice has always been so great with us, its like I have known her for years and have never met her in person. Liam was great to deal with and followed up to make sure we were happy with the work done, the rental etc. Who would have known a "WRASCIALLY WABBIT" could cause so much damage!!! Thanks again.
Very Pleased Janice Pottie was extremely helpful in finding a better rate for both our home and boat insurance, and I am very pleased with how quickly she was able to obtain the quotes and make the arrangements with the new insurance companies.
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