Your business is unique. With years of experience in commercial insurance province wide and in Victoria BC, the experts at Bill Hartley will make sure you and your business are well protected from risk that could cripple or destroy it and all your hard work. Regardless of how specialized or large the asset to insure--retail, office, contractors, wholesalers, unions, NGO-- we have the right business insurance product for you: from comprehensive to specifically tailored policies to meet your unique business needs.

We help you look at the whole picture, to make sure you are aware of all risk your business is exposed to. We offer cost effective business insurance with competitive pricing but will not cut corners that would leave you vulnerable.

Business Insurance Packages

For businesses that qualify, an inclusive commercial insurance package is the simplest and least-expensive way to get a very comprehensive array of coverage to protect your business from the most common to the most obscure types of loss.

We have excellent packages for Business Owners, Retailers, Wholesalers, Trades Workers, Contractors, and Professionals. Give us a call; we would love to tell you more.

Custom Tailored Policies

If a business insurance package is not the right solution for you, we will work with you to create a custom policy that will meet your needs. We only deal with well established, financially secure insurance companies that we know will be there for you, even in the worst disasters. We have the experience and expertise to recommend the best solutions for your business.

Our Business Insurance Products

Every business has different needs. We offer a wide array of commercial insurance products to serve our clients province wide and in the Victoria, BC area.

 To learn more about our commercial insurance packages and custom options please contact us. Let our experts help protect your business investment.

Professional Liability

Professional Liability, or Errors & Omissions (E&O) Liability protects you from claims for injury or damage arising from your professional service. Your Commercial General Liability (CGL) policy will always exclude any claims arising from providing or rendering a professional service, so this coverage is needed in addition to your CGL. We can provide coverage for all professions.

If you belong to a professional association they may have arranged a special group program of professional liability for all association members. We recommend you check with your association first because this is often the least expensive way to obtain coverage. If they do not already have one, we can organize a special group program to be offered through your association.

Commercial Property Insurance

Insurance is available for all types of commercial property. Properly structured Business Insurance will be designed to repair or replace your property as quickly as possible. In business, time is money, and you need to be back in business quickly.

We always complement our property coverage with Business Interruption coverage (see below) so if you do have to close down while repairs are completed, you will still have cash flow to meet your obligations.

Business Interruption Insurance

When your business is shut down from a burst pipe or a fire, your biggest loss may be to your present and future business income. There are many different kinds of Business Interruption Insurance to protect you. Understanding which is right for you is very important; we will take time to understand the intricacies of your business operations so we can recommend the best option.

Commercial Auto Insurance

If your business owns five or more vehicles, you can qualify for a fleet plan discount up to 63%. Call us for information on how to get your fleet discount started.

DID YOU KNOW?
If you have your vehicle insured under any of the commercial use categories (Artisan, Delivery, or general business use), your tools and equipment are not insured with your vehicle! You must arrange separate insurance for your business tools and equipment.

Business Life Insurance

The loss of a business owner, partner or key employee could have a serious impact on your business. Business life insurance is designed to protect the continuity of your business should such an event happen. We can help you prepare a succession plan that would enable your business to survive the death of a key person and help preserve the assets you have worked so hard to build.

Key person life insurance ensures your business will have the financial support it would need to survive the death of a key employee.

A Buy / Sell life insurance agreement will provide the funds necessary to purchase the interests of a deceased partner, co-owner or shareholder.

Business Disability Insurance

Proper planning for the protection of your business implies thinking of all eventualities. If an owner, partner or key employee should become ill or disabled, no life insurance policy would pay out. A business disability insurance policy is needed to give you the financial protection necessary to survive the disability or illness of an owner or key employee.

Ask about our Disability Overhead Expense Insurance, Disability buy and sell Insurance and Key Person Disability insurance.

Contact us for the competent advice and quality service you deserve.