Providing Professional, Comprehensive Business Insurance Advice and Service
Commercial Insurance for Alliston, Simcoe and Surrounding Area
At Doner-Horsley we will work with you to choose the best coverage that meets the needs of your particular business. We will meet with you to conduct a thorough and detailed review of your operation to fully understand all aspects of your company. We will than evaluate all possible exposures to create a customized plan for you.
Commercial insurance can be intimidating but our insurance specialists will explain the policy thoroughly and walk you through the coverage so you can have the peace of mind you deserve. We have the experience and expertise to meet the challenging needs of today’s business owners.
A few of the businesses we have provided commercial coverages for include:
Office Buildings
Retail Plazas
Apartment Buildings
Condominium Buildings
Manufacturing Plants
Builders Risk Programs
Contractors
Electricians
Plumbers
Landscapers
Roofers
Heating & Air
Retail/Wholesale
Restaurants & Bakeries
Fashion Industry
E-Businesses
Footwear
Sporting Goods
Specialized Coverage
Surety Insurance
Directors & Officers Liability
Errors & Omissions
Hospices
Golf Courses
Cyber Insurance
Professional Offices
Medical & Dental Offices
Lawyers & Accountants
Employment Agencies
Architects & Engineers
What is Considered Commercial Insurance?
Typically, commercial insurance is broken down into three main categories:
Property Insurance, Loss of Income as a Result of Interruption in Premises, Equipment or Stock, and Liability Insurance.
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This refers to the basic property coverage, including the replacement value of your building, any building improvements and equipment, and the value of inventory.
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Loss of income insurance or Business Interruption Insurance is available in the event that your company experiences a fire or any other insured loss, detrimental enough that you are forced to close your doors.
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With this coverage, should a claim be made by a customer or anyone else that your business has been in contact with against your business, you are covered and protected. These claims may refer to bodily injury or property damage inadvertently caused by your business.
What is Covered Under Loss of Income Insurance or Business Interruption Insurance?
This coverage is available in the event that your business experiences a fire or any other insured loss, detrimental enough that you are forced to close your doors. Each day your business stays closed, you in turn lose anticipated revenue. Lost income and daily operation costs are also covered with business interruption insurance.
Due to the fact that Business Interruption Insurance is available in a variety of options, we’ll discuss with you several choices, and address any concerns or characteristics about your business that may affect what coverage is most suitable.
Your coverage will reflect the needs of your business only, as with all of our insurance options we will tailor packages on a unique basis.
Liability Insurance Can Include:
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Commercial General Liability
Insurance coverage to protect businesses and individuals from financial losses resulting from liability claims.
These claims can arise if a customer, supplier, or member of the public alleges that your business is responsible for bodily injury, property damage, or personal injury due to the actions of your business.
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Errors & Omissions
Also known as Professional Liability protects professionals and businesses against claims of negligence, errors, or omissions for their services.
This type of insurance is essential for professionals who provide advice, expertise, or services, as it helps cover legal costs and damages if a client alleges that the professional's actions or advice led to financial harm.
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Cyber Liability
Cyber Insurance or Cybersecurity Insurance, is a specialized insurance coverage designed to protect businesses and individuals from the financial losses and liabilities from data breaches, cyberattacks, and other cybersecurity incidents.
As technology and the digital landscape have become integral to business operations, the need for protection against cyber threats has grown significantly.
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Tenant Legal Liability
Tenant Legal Liability (TLL) insurance protects tenants who lease or rent property against potential legal liabilities and financial losses arising from damage to the rented premises.
Landlords often require this insurance as a condition of the lease agreement, and it helps safeguard both the tenant and the landlord in the event of property damage.
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Environmental Liability
Environmental liability refers to the legal responsibility and financial obligation of businesses for any damage, harm, or pollution caused to the environment. This liability arises from activities that may lead to soil, water, air, or ecosystem contamination and can result in civil or regulatory actions, fines, cleanup costs, and compensation to affected parties. Environmental liability is an important aspect of environmental law.
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Event Liability
Event liability insurance, or special event insurance, is a type of coverage to protect individuals or businesses hosting events from financial losses and liabilities that may arise as a result of the event. These events range from weddings, parties, conferences, festivals, concerts, and sporting events. Event liability insurance helps with the financial risks associated with accidents, injuries, property damage, and other unforeseen incidents that can occur during an event.
What Our Clients Say:
“Doner-Horsley have looked after our insurance needs for both our business and our home for several years now. We are very pleased with the service and have found that all questions and concerns are dealt with promptly and efficiently.”
— Kawartha Utilities
“We recently moved our Contractors Pollution Liability policy to Doner-Horsley Insurance Brokers and want to acknowledge the fantastic service we have received from your team. Thank you.”
— Service Master
“Each time we have a reason to call Doner-Horsley regarding our insurance, it becomes clearer and clearer how committed they are to customer service. Doner-Horsley’s actions and our conversations truly make us feel that they treat their clients just as they would treat their own family. They have the perfect blend of professionals and neighbourly caring.”
— Dave Dobinson Excavating Inc.
“Recently we purchased business insurance and fleet insurance through Doner-Horsley. Not only did we receive professional, courteous service, we also saved money on our policies. It was a real pleasure to work with and in our opinion, went the extra mile to save us money and find the insurance company that would best suit our needs.”