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What kind of risks does commercial general liability insurance help cover in Kelowna?
- Injury to a third party who is not your employee
- Damage to someone’s property
- Damage to rented property
- Medical bills if someone is injured
- Legal costs and settlement costs of liability lawsuits filed against you
- Liability lawsuits related to slander and libel
Why do I need commercial property insurance in Kelowna?
As a Kelowna business owner, you need commercial property insurance coverage to protect your business’s physical location and its contents.
What is business interruption insurance? Do I need it in Kelowna?
Business interruption insurance helps recover lost business income and ongoing business expenses while your Kelowna small business is temporarily closed.
This type of insurance usually can’t be purchased as a standalone policy. Business interruption insurance is included under your commercial property insurance, or as an add-on to your business insurance policy.
What do I do if my Kelowna business has an insurance claim?
- Contact your broker immediately after any business-related mishap. Waiting to file a claim can confuse insurers about the severity of the damages to your business.
- Know your policy so that when you contact your broker you are familiar with what will be covered or not.
- Document the damage. Take photos right away and write down what happened.
- Do not throw away damaged goods after taking photos. Keep the physical evidence so that your adjustor can see it.
- Do not invite lawsuits. Don’t say anything that could be used against you, especially if you aren’t sure what happened.
- Be honest about what your damaged property is worth. Damaged commercial property is generally valued according to its actual cash value or replacement value.
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