Commercial Insurance

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Taking Care of Business

Every unique business – large or small, complex or not – faces a unique range of hazards, and deserves its own customized menu of protection. As the decision-maker for your organization, you want to know what your options are, and how best to manage your risk.

With FCA Insurance Brokers as a trusted advisor for your commercial coverage, you have the assurance you need to get on with taking care of business.

Business Insurance

Commercial General Liability

Commercial General Liability insurance protects you from a loss if you are found legally liable for bodily injuries or property damage to a third party that occurred on your premises or location of operations and/or was caused by the products and services you offer.

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Errors & Omissions Insurance

An Errors & Omissions Liability policy, also known as professional liability insurance, protects the individual and or the corporation from allegations of financial loss due to negligent professional services rendered for a fee.

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Directors & Officers Insurance

Directors and Officers Liability, which is also known as D&O Insurance, is corporate policy that helps Private, Public, and Non-Profit operations protect their directors and officers from legal actions taken against them for their professional work.

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Property Insurance

Commercial property insurance serves to protect the physical assets owned by a business, such as commercial buildings, the contents or equipment inside a company’s building or leased premises, a business’s stock and portable items.

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Builder’s Risk Insurance

Builder’s Risk Insurance, also known as Course of Construction Insurance, is required when starting a construction project. It provides coverage up to the total value of the completed project, including all materials and labor costs.

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Cyber Insurance

Cyber insurance helps a business recover from an attack on its cyber environment, an increasingly common risk as the world rapidly progresses towards further digitalization.

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Product Liability Insurance

Product Liability Insurance protects business owners against claims alleging third-party property damage or bodily injury caused by a product you manufacture, distribute, or sell.

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Business Interruption Insurance

Business interruption insurance provides a source of income in the event that a peril suspends your operations causing disruption, reduction or a complete elimination of regular income.

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Commercial Auto Insurance

Commercial auto insurance, also known as Fleet Insurance, provides coverage for vehicles that are used by a business in order to perform the operations of the company.

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International Insurance

No matter where you do business around the world, as an FCA client you will receive the same standards of service and protection on a global basis. You will have access to experienced, qualified professionals wherever you need them, worldwide.

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Industry

Contractor Insurance

Contractor insurance provides protection for your contracting businesses. The types of coverage you need will depend on your business and the types of construction projects your company is involved in but generally include general and pollution liability plus property, equipment and auto coverages.

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Manufacturing Insurance

Each manufacturing business is unique and faces its own unique set of risk and exposures. At FCA we offer customizable insurance solutions tailored directly to your business needs.

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Architects & Engineers Insurance

Professional liability insurance for architects & engineers is a suite of coverages that protects an individual or firm against lawsuits that can arise from negligence from their professional capacity.

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Real Estate Insurance

Real estate insurance protects you in the event of physical damage to your commercial or residential property caused by fire, water, and/or other natural weather-related perils.

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Cannabis Insurance

Cannabis insurance provides specialized coverage to companies that operate in the cannabis industry including licensed producers, landlords, dispensaries, and affiliated companies.

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Sports Insurance

Sports insurance provides a variety of coverages for sports and athletic facilities that is geared towards protecting both you and your organization. This insurance is customizable for all organizations from youth sports to high performance programs.

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Education Insurance

FCA has been providing the school sector with comprehensive insurance packages for over fifteen years and we have the expertise to service your insurance needs. Education insurance protects educational organizations, institutions and entities from a wide range of perils.

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Specialty Programs

CAIRP Insolvency Practitioners

For over forty-five years FCA has provided an insurance solution to the insolvency profession through the Canadian Association of Insolvency Professionals. Through our Insolvency Insurance Program, we offer coverage flexibility, expertise and advice.

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Choirsure

FCA, in conjunction with Choirs Ontario, developed a customized property and casualty insurance program for non-profit choirs. This insurance program is designed to provide affordable and appropriate insurance coverages for non-profit choir groups.

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Masonic Lodges & Buildings

Our Cornerstone Program offers affordable, comprehensive coverages for both Masonic Lodges and associated buildings. Recognizing a need among fraternal organizations like the Canadian Freemasons, we have teamed up with an insurance company to provide this customized solution.

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Canadian Band Association

The BandSure property and casualty insurance program provides affordable and appropriate insurance coverage for non-profit bands. The BandSure Insurance Program has been providing affordable insurance coverage for members of the Canadian Band Association since 2008.

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Security Dealers

FCA’s exclusive program for security dealers is custom designed for businesses that work in installing, servicing and monitoring alarms and security systems, CCTV and card access systems, fire protective equipment, miscellaneous electrical, phony systems and more.

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Our mission is to make insurance accessible. We put you in control of your insurance experience. FCA informs and empowers you, so you can choose amongst robust options, confident in the value of your protection and in the broad reach of your advocates.

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