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Business Insurance

While business insurance is designed to help protect companies from facing catastrophic losses, business insurance does not cover everything. At Mountainview Insurance, we want to help business owners ensure that their company has coverage where it is needed most. Yet, before business owners make a decision about their insurance policy, it is important for them to understand the different types of business insurance available.


What is business insurance?

Business insurance works to help protect the financial assets, intellectual, and physical property of a company from a covered loss. Some of the covered losses that are included in most business insurance policies include lawsuits, property damage, theft, vandalism, loss of income, and employee injuries or illnesses. There are also a wide range of business insurance policies available for more unique risk factors for different types of businesses.

Why is business insurance important?

While all businesses take on some risks, it is important to ensure that the business is covered from the majority of potential risks. Business insurance is important because it covers a wide range of company assets, everything from office space and equipment to an indispensable employee, to help the company survive in the case of a business emergency. There are many different types of business insurance policies that can help cover a wide range of business related emergencies.

Types of business insurance

Some of the different types of business insurance available include:

Liability Insurance

Liability insurance works to protect businesses from costs related to claims against the company for bodily harm and property damage. The most common types of liability insurance that businesses get include:

General Liability

This policy covers injuries that occur on the premise to both clients and employees

Professional Liability

This policy provides protection against being sued by a client for errors, omissions, or negligence.

Product Liability

This type of insurance provides protection in the event that the company's products are defective or cause serious harm to the user.

Commercial Umbrella Insurance

Commercial umbrella insurance - this type of policy provides businesses with an additional layer of insurance to further protect company assets.

Employee Insurance

Employee insurance works to help cover employees from work-related injuries or illnesses. This type of insurance policy can also help cover the legal costs for a business that may be facing a lawsuit from the family of a deceased employee.

Property Insurance

Property insurance works to help businesses recover after significant property damage caused by a fire, storm, or other covered event. Business owners can also choose to add on extra property insurance policies to help cover property damage from natural events such as flooding. Common property insurance policies can help cover a wide range of scenarios, such as:

  • Damage to the physical location of your business
  • Damaged tools, assets, and documents
  • Damage caused by vandals

Business insurance from Mountainview Insurance

If you are looking to purchase business insurance in Abbotsford, Mountainview Insurance offers a selection of business insurance policies. No matter what you are looking for in a business insurance policy, please stop by our Abbotsford office, or contact us at 604-557-0255 or by filling out a contact form on our website. Our team of professional business insurance experts can help you find the perfect policy for your business needs.

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