Insurance for service providers

Service-based businesses face different risks than businesses built around products. Comprehensive insurance for service providers is key – you’ll need your policy to respond at any stage of your service, and in a variety of situations.

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Who needs insurance tailored to service providers?

Whether you specialize in transportation, consulting, or another type of service, your business rests on your skill and the relationships you build. You’ll want to protect your good name and your client base with the right coverage.

Here are some industries that should consider insurance for service providers:

Professional services

Professional services

Equipment sales and service

Equipment sales and service

Auto sales and service

Auto sales and service

Passenger transport services

Passenger transport services

Ready to get started? Let’s begin with the pressing question…

What does insurance for service providers cover?

Working with our reputed brokers, we tailor our insurance for service providers to the most prevalent risks in your industry – and to some you may not have considered.

Your policy is built on important basic coverages for a service-based business, including:

Commercial General Liability (CGL)

Commercial General Liability (CGL):

If a service you provide leads to bodily injury, property damage, or another type of loss to third party, your business could be held legally liable. A CGL policy can help cover legal costs in these situations, whether it happens on your own property or at an offsite location.

Cyber Risk

Cyber Risk:

Digital risk is growing, and your coverage needs to keep up. Cyber risk insurance can support your business if computer networks are breached, leading to stolen information, interruption to your operations, costly repair, and other serious professional consequences.

Errors and Omissions

Errors and Omissions:

Also known as professional liability insurance, this coverage will come to your rescue if your service doesn’t measure up: it helps cover the costs of defending a legal claim brought against your business due to your alleged professional negligence.

And we can include these other helpful coverages for service-based businesses, too:

  • Crime
  • Property
  • Auto fleet
  • Equipment breakdown
  • Business income
  • Inland marine
  • Commercial automobile
  • Garage automobile
  • Umbrella liability
  • Excess liability
  • Directors & Officers

Take the first step toward your new policy.

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What can you expect from your policy?

Knowledge:

Knowledge:

Our underwriting team understands the exposures in the service-based business sector, so we can adapt and expand our offerings as our customers’ needs grow. This means we’ll be able to get you up and running again quickly after an unexpected incident.

Resolution:

Resolution:

We hope you never experience a loss, but if you do, you can count on our dedicated claims team to help get you back to business. We’ll work together with your broker to get the claims process underway as soon as your claim is reported, and we’ll always keep you in the loop. If any questions or concerns should arise, don’t fret – we’re here for you 24 hours a day, 7 days a week.

Support:

Support:

You can enjoy the perks of your policy well before you experience a loss. Our Risk Services team works hard to help keep your business running safely, smoothly, and consistently with detailed bulletins, workplace risk assessments, and onsite training.

Our Assist Services

On top of our comprehensive core coverage and exceptional customer service, your business insurance policy grants you access to our Assist services* for extra peace of mind.

Legal Assist

Need legal advice? You have unlimited telephone access to legal guidance and insight on a wide variety of legal topics related to your business – no question is too small!

Trauma Assist

Losses can bring extreme emotional fallout, so we offer access to confidential 24-hour counselling to help our customers, their employees, and their family members cope.

Risk Management Assist

Our team of Risk Services specialists is at your service: customers can enjoy unlimited telephone access to experts who can help mitigate risks with advice and guidance on a range of loss prevention topics.

Cyber Assist

We’ve partnered with CyberScout to offer consultation on data risk management, including proactive measures to protect your business and reactive measures to help you recover from a breach.

Learn more about how and when our Assist services can come to your rescue!

Managing Risk

Unparalleled industry expertise, professional guidance, and innovative approaches to managing risk help our Northbridge Risk Services experts stay one step ahead of the crowd. Each year, our team conducts over 5,000 risk assessments and service calls for businesses across Canada. Our onsite assessments are complemented by a selection of in-depth training programs and educational tools to help companies excel in their industries.

Our Risk Services team offers technical publications to help you gain a better understanding of the potential exposures in your industry, and they can provide personal guidance to help fine-tune your daily operations. Find out more about what our experts can do for your business here.

Ready to get the coverage your business needs?

Request a Quote Now!

We know the service-based business sector, and we like to talk about it!

Check out our tips, guides, and articles that can help you stay ahead of your competition.

* Legal Assist not provided for criminal, personal or insurance issues, do not provide representation in legal proceedings or legal fees coverage, and provided by Assistenza International, through lawyers licensed in your jurisdiction. Risk Assist provided by our Risk Services specialists and are intended to augment your internal safety, compliance and risk management practices, and are not a substitute for professional or legal advice. Trauma Assist provided by independent third-party professionals, long-term and specialized counseling not included. Cyber Assist provided by IDT911, Inc, services are not included in any cyber extension or endorsements. Services are not an insurance policy, not all policies are eligible, contact us for details.
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Alert to our Customers – Canada Post strike

To avoid disruption in your insurance coverage in the event of a possible Canada Post strike, we ask that you pay your premium using online banking or contact your broker about alternate payment methods.

For inquiries about any in-progress claims, please contact the adjuster handling your claim.
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