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You’re a creator, whether you make clothes, furniture, food, or other items. You don’t need a middle man, because you’re all about that DIY lifestyle. But is your business protected in the event an accident occurs or you face an expensive lawsuit? Whether you make things out of your home or manufacture out of a workshop, having well-built insurance coverage can help protect you and your bottom line.
The simple answer is to help you get back to business in the event of an unexpected loss.
What if a fire damages critical equipment you need to operate?
Whether you work out of your home or use a dedicated workshop space, insurance can help with repair or replacement costs for both the building you operate out of and business contents inside, including equipment and materials, should you suffer a covered loss.
What if you make a product that ends up hurting someone?
You’re proud of making high-quality products, which is why it would sting even more if one of your products was faulty and caused damage to a third party. Proper insurance coverage can help protect your business should defective products accidentally slip through the quality control process and cause bodily injury to a third party.
What if someone steals materials from your workshop?
You put a lot of time and effort into hand-crafting your own products. Thieves undermine that effort. Insurance coverage can help cover the cost of replacing both raw materials you need for your craft and finished goods you spent hours toiling over.
What if you want to participate in a tradeshow?
Tradeshow organizers typically require businesses to provide proof that they have CGL insurance coverage in place before granting them access to the venue. Having the right coverage will ensure that you can take part in the festivities without a hitch.
We’ll help you build a customized policy that meets your business’ unique needs.
Commercial general liability insurance, or CGL insurance, is designed to protect small business owners when they face liability claims for bodily injury or property damage to a third party. For example, if a client visits your store or workshop, trips over your equipment, and injures themselves, they might file a lawsuit against your business. Your CGL policy can help with the costs associated with the lawsuit.
Whether you work from home or use a dedicated workshop, protecting your property, materials, and inventory is critical, as they are all essential to run your business. You can’t make things out of thin air! If a disaster like a fire destroys your property, or a cat burglar prowls into your workshop and steals your inventory, commercial property insurance can help with the costs associated with the loss. This coverage can also help limit your business’ downtime, so your production (and revenue) won’t suffer too much.
Sometimes your bare hands just aren’t enough. Depending on what you make, you might need specialized equipment to craft a high-quality product. When equipment breaks down, though, it can be costly to repair – whether it’s a printing press, a band saw, or a convection oven. When the breakdown is sudden and accidental, equipment breakdown insurance can help cover the repair or replacement costs for your equipment.
Your products are your pride and joy. If one of those products is responsible for causing some sort of injury to a customer, your business could be held accountable for the consequences, which could include costly lawsuits. Whether there’s a design or manufacturing defect, product liability insurance can help mitigate the losses from these types of situations, so you can focus on making the things you’re passionate about.
If the product you create involves a complicated process, you might need some extra hands to help you out. Finding employees who are quick on their feet might be tough, but getting them to stay might be even tougher. Attract the strongest talent by protecting your employees and their families with a group benefits plan that includes life insurance, extended health coverage, and dental coverage. An unappreciated employee could result in some sub-par products heading out the door.
If you make your own products, you might need to deliver them as well. That’s why commercial auto insurance is an important asset for your business. Unlike a personal auto policy, commercial auto insurance is designed to protect the company car, the employees who are driving it, and any employee passengers inside. Some small business owners may think that their personal auto insurance policies will cover them while their vehicles are used for commercial purposes. However, there are some important differences between the two that can leave you vulnerable to risks, and potentially to losses.
We’ll be the first to say it—insurance can be boring and complicated, which is why we strive to make the process as easy and stress-free as possible.
We’re always open for you. With around-the-clock claims support by phone and online, we make settling claims fast, simple, and stress-free.
Pay for your policy all at once or in convenient monthly installments. We also offer 0% interest and we’ll even accept payment by credit card.
If you need to update your coverage at any point during your term, give us a call and we’ll walk you through the process. You can also cancel your policy at any time with no early termination fees.
Like Transformers, there’s more to your TruShield policy than meets the eye. Here are a few ways we help support you on more than just insurance coverage.
Every TruShield customer has access to our team of Risk Services specialists who can help guide you through any questions or concerns you may have about the risks your business faces and how to prevent loss.
Suffering a loss to the business you’ve worked so hard to build is not an easy experience. Our Trauma Assist service is designed to help owners and employees cope with the emotional effects of a loss.
Legal Assist provides you access to legal advice and practical solutions for matters affecting your business. It includes a telephone legal helpline, document review and drafting services, and access to customizable legal templates.
* Legal Assist services are not provided for criminal, personal or insurance issues, do not provide representation in legal proceedings or legal fees coverage and are not an insurance policy. Legal Assist services are provided through ARAG Legal Solutions Inc. by lawyers licensed in the province or territory of your residence.
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