Where Can I Get A Quote For All Risks Insurance In Canada?
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Risk is everywhere and because of this, you may have heard about something called all risks coverage which has led you to wonder “Where can I get a quote for all risks insurance in Canada?” Well, questions like yours are a key reason why our ALIGNED Insurance brokers strive each and every day to provide insightful and informative insurance guidance to clients across the county. That’s also why your dedicated ALIGNED broker will always be available to provide any needed custom certificates of insurance, update your coverage, answer your questions and support your needs as a client. Last but certainly not least, this is why we are proud to provide expert guidance to questions like “Where can I get quote for all risks insurance in Canada?”
Simple + Proven Ways To Get A Quote For All Risks Insurance In Canada [Hint: Get ALIGNED]
Wondering if all risks insurance does indeed literally cover all risks is a very logical question. By name alone, all risk insurance coverage sounds like the ideal choice to cover all risks that an individual or a business might face.
As with many things in life, the specific reality of what all risks insurance does indeed cover is somewhat different than might appear at first glance. In fact, all risk insurance is actually a highly specific term that is commonly used to describe the full and complete scope of insurance coverage that provided within a commercial property insurance policy.
Commercial property insurance policies can, in fact, be written several ways. These include named or specified perils or all risk. It is important to understand that all risk insurance is also commonly referred to as all perils coverage and this means that all perils causing property damage are covered unless they are specifically excluded. Meanwhile, specified or named perils commercial property insurance policies specifically and only cover perils that are actually listed within your policy wording.
All risks insurance coverage is defined as: property insurance covering loss arising from any fortuitous cause except those that are specifically excluded. This is in contrast to named perils coverage, which applies only to loss arising out of causes that are listed as covered.
While all risks insurance continues to be used in the marketplace to define covered causes of loss in a property insurance policy, the term “all risks” is no longer actually found in insurance policies due to concerns that the term “all risks” insurance inappropriately infers that coverage is broader than what it actually is.
Instead of “all risks” you’ll more commonly hear terms such as “special”, “open” or “all” together with the word “perils” rather than “all risks”. In fact, our brokers deliver many specific types of insurance designed to cover the multitude of risks that all businesses face. Here are just a few…
- Directors & Officers (D&O) / Board Insurance
- Errors & Omissions (E&O) / Professional Liability / Indemnity Insurance
- Commercial General Liability Insurance
- Cyber Liability & Privacy Insurance
- Employment Practices Liability (EPL) Insurance
- Crime Insurance / Fidelity Insurance
- Boiler & Machinery Insurance / Equipment Breakdown Insurance
- Office Insurance
- Pollution Liability Insurance
- Property Insurance
- Protection & Indemnity (P&I) Insurance
- Retail Insurance
- Representations & Warranty (R&W) Insurance
- Small Business Insurance
- Trade Credit Insurance / Accounts Receivable Insurance
- Umbrella Liability Insurance
- And much more…
Before you click to get a business insurance quote online in Canada check out a few of the questions about your commercial operations that will help you to determine the types of coverage you need most
To Find Out More About Where Can I Get A Quote For All Risks Insurance In Canada Or To Get A Quote For All Risks Insurance In Canada Connect With One Of Our Canadian Business Insurance Brokers Today at 1-866-287-0448 of CLICK HERE!
|ALIGNED Across Canada 100% Canadian owned, ALIGNED is a premiere insurance brokerage that serves nearly 1,400 clients across the country. As experts in delivering business insurance Canada solutions and consistently recognized as one of the best business insurance brokers in Canada, ALIGNED’s offices in Toronto, Calgary and Vancouver are supported by a national operations centre in Cambridge, Ontario. Uniquely within the industry, ALIGNED business insurance brokers create, negotiate and deliver the best business insurance and risk management strategies/solutions to organizations like yours. As one of Canada’s fastest growing insurance brokerages, we invite you to learn more about us and connect @ALIGNEDonRisk, on Facebook or LinkedIn.|