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    Commercial Insurance

    General liability insurance covers your commercial business if someone sues you due to a bodily injury or property damage at your storefront — regardless of whether you’re to blame. Get general liability insurance for commercial stores with APOLLO Insurance. Get a quote and buy online in under five minutes.

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    There are three kinds of insurance a commercial business needs

    Personal Liability Icon

    General Liability Insurance

    General liability insurance for retail properties covers the legal fees and damage awards related to bodily injuries and property damage occurring at your retail premises. In some instances, it can protect your business from slander and libel lawsuits as well.

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    Commercial Property Insurance

    Commercial property insurance for retail properties protects your retail locations from tragedies such as fire, floods, or bad weather. If such a scenario damages your store, a commercial property policy can pay for your repair costs.

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    Contents Insurance

    Contents insurance for retail properties covers the assets and belongings inside your storefront. Whether it's computers, exercise equipment, inventory, or latte machines, you can rest assured if something leaves your property damaged or stolen, your contents insurance policy can repair or replace these items.

    Commercial locations are core to many businesses

    As a small business with one or more commercial locations, you need insurance to protect against the risk of having a physical location. We know of the cliche lawsuit that starts with slipping on a wet floor without a wet floor sign, but these events actually occur. To protect yourself from legal fees and potential damage awards, APOLLO can provide a customized insurance solution tailored to your business needs. No matter how careful you are, unexpected disasters can occur. You never know when an ice storm could break your store’s windows and leave you with a massive repair bill. If your landlord isn’t prepared to pay the cost, you’ll ultimately have to pay expenses out-of-pocket or bring legal action against the property’s owner. In another instance, someone may break into your commercial location and steal valuables and equipment. A proper commercial property insurance plan can protect your business from the consequences of these situations. You can’t think of insurance as another expense. Purchasing it is a wise business decision that mitigates the risks threatening your company. It provides peace of mind, so you won’t need to worry about unforeseen crises that could hurt your small business. 

    Making Insurance Effortless

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    APOLLO is Canada’s only place to buy insurance fully online, 24/7.

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    It takes only a few minutes to process and get your proof of insurance.

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    Payments are easy, monthly, and manageable.

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    Why does a commercial business need insurance?

    Commercial businesses are given access to sensitive information and play an important role in advising their clients of potential opportunities.  By giving any kind of professional advice brings risk requiring insurance.Larger, more sophisticated companies often request proof of general liability and professional liability insurance from contracts, meaning that insurance is often mandatory for accountants to work with these types of businesses.Accountants can be sued when one of their clients or a shareholder incurs a financial loss, regardless of fault. It can be very costly for an accountant to defend this type of lawsuit, especially at a small firm or solopreneur company. To ensure this type of risk isn’t detrimental, a proper insurance policy is key for the planning and operation of any business.

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    What types of risks does my commercial business face?

    Whether you’re a clinic, clothing store, or restaurant, there are dozens of customers and clients coming in and out of your store daily. This creates risks because people could trip, slip, or find other ways to injure themselves. If they do, you could be at fault for their injuries or property damage and face a lawsuit. You can plan every detail to prevent this. But on a busy day, you may miss hazards that cause customers to injure themselves. Another legal risk involves third parties like your neighbours or landlord. If a fire from the adjacent store damages your commercial property, you may sue your neighbour or landlord to recover repair costs. Or your landlord may sue you for repair costs. While waiting for the result of litigation, paying for repair costs out-of-pocket could hurt your business’s cash flow. Commercial properties have dozens of other risks. Imagine a pipe burst and floods your store. Not only will you need to repair water damage and replace equipment, but you may also need to close your store for several days. During this time, it may mean no revenues while still needing to pay staff, suppliers, and other bills. Business interruption insurance mitigates this risk. 

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    © 2024 APOLLO Insurance Solutions Ltd.

    111 Water Street, Unit 210, Vancouver, British Columbia, V6B 1A7

    APOLLO Insurance Agency Ltd. (o/a APOLLO Brokerage in the province of Ontario only) is a licensed retail brokerage, offering our clients with a comprehensive set of insurance solutions to meet their individual needs. APOLLO Insurance Agency Ltd. maintains necessary corporate licensing in provinces across Canada. Availability of products and service depends on licensing and product availability. The information that appears on this page is provided for information purposes only. Advertised products and prices are not guaranteed and vary based on insurance provider and/or insurance company's discretion and product availability.

    Transparency and Disclosure: APOLLO Insurance Agency's role is to provide you with exceptional service and the best insurance products that suit your needs. As a licensed retail brokerage, our compensation is based on a commission basis already built into your insurance premium and varies based on the product purchased through our platform. For a description of how APOLLO Insurance Agency is compensated and how this is calculated, please refer to our Compensation Disclosure document. For consumers in Ontario, please review the RIBO Conduct Fact Sheet and the RIBO Conduct Guidance document.