Business Insurance
Protect Your Business with Comprehensive Coverage
to ensure tailored insurance coverage
with a dedicated team at your service
knowing your business is protected
Don’t Risk Your Livelihood
As a business owner, you face unique challenges and risks every day. Unforeseen events, lawsuits, and accidents can disrupt your operations and jeopardize your financial stability. Without proper insurance coverage, you may be left vulnerable to significant losses that could impact the future of your business.
We Understand Your Needs
At Kilgour Bell Insurance, we understand the concerns and complexities of running a business. With decades of experience and a commitment to serving our clients' best interests, we have become a trusted partner for leading businesses in Manitoba. Our expertise, empathy, trustworthiness, and authority make us the ideal insurance solution provider for your business.
Our Specializations
Our comprehensive range of insurance products and services has earned the trust of numerous companies across industries—with specializations including waste and recycling management, property and condo management, construction, and roofing. We work closely with you to assess your needs, identify risks, and provide the right coverage to protect your business, assets, and employees.
Three Simple Steps to Protect Your Business
Book Your Free Consultation
We start by understanding your business, its unique risks, and your goals. Our knowledgeable team will guide you through the insurance options available, answering your questions and providing clarity every step of the way.
Get Custom-Tailored Solutions
Based on our analysis, we present you with a customized insurance plan designed to address the specific needs of your business. We ensure that you have comprehensive coverage that protects your assets, liability, and employees.
Receive Ongoing Support
Our commitment doesn't end with your policy purchase. We provide continuous support, including claims assistance, policy reviews, and updates to accommodate changes in your business. You can rely on us to be there whenever you need us.
What Our Commercial Clients Say
"I have had my insurance with Kilgour Bell for years now and have always experienced amazing customer service and high attention to detail. I highly recommend them!!"
“Very professional. I have saved significant money after switching from my previous provider.”
“Great people just trying to get you a good deal while being fully covered for what you need.”
The Kilgour Bell Difference
When you choose Kilgour Bell Insurance as your trusted insurance partner, you can expect:
Crucial Coverage Options for Your Business
Protect your business with confidence.
Contact us today to discuss your commercial insurance needs. Discover the Kilgour Bell Insurance difference.
Frequently Asked Questions
Below we answer some of the most common commercial insurance questions:
What types of insurance do I need for my business?
The insurance needs of businesses vary, but common types include general liability insurance, property insurance, commercial auto insurance, and workers' compensation insurance.
How much does business insurance cost?
The cost of business insurance depends on several factors, including the type of coverage, business size, industry, location, and risk factors. It's best to obtain a customized quote from an insurance provider.
Is business insurance mandatory in Canada?
While certain types of insurance, such as workers' compensation, are mandatory in most provinces, the specific requirements vary. It's important to understand the insurance regulations in your province and industry.
Does my home-based business require separate insurance?
Home-based businesses often require additional coverage beyond standard homeowners' insurance. It's important to discuss your specific business activities with an insurance professional to ensure proper coverage.
Does business insurance cover business interruption due to COVID-19?
Most standard business insurance policies do not typically cover business interruption due to pandemics or viruses. However, some specialized policies or endorsements may provide coverage. It's best to review your policy and consult with your insurance provider.
Can I add coverage for cyber threats and data breaches?
Yes, businesses can obtain cyber liability insurance to protect against data breaches, cyber-attacks, and associated legal and financial consequences. This coverage is particularly important in the digital age.
What is professional liability insurance, and do I need it?
Professional liability insurance, also known as errors and omissions insurance, protects businesses against claims of negligence or mistakes in professional services. It is crucial for business(es) that provide professional advice or services.
Can I modify my business insurance as my business grows?
Yes, business insurance policies can be modified and adjusted as your business evolves. It's important to regularly review your coverage with an insurance professional to ensure it aligns with your current needs.
What should I do if I need to file a claim?
If you need to file a claim, contact your insurance provider immediately to report the incident and start the claims process. They will guide you through the necessary steps and documentation required.
How can I find the right insurance provider for my business?
We will help you research and compare insurance providers, considering their experience, reputation, customer reviews, coverage options, and pricing. It's also helpful to consult with other business owners or seek recommendations from trusted professionals.
