COMMERCIAL INSURANCE BROKERS
Alpine makes it easy to choose commercial insurance…
Commercial insurance covers a gamut of areas for both small and large insurance risks in Alberta. You may be a plumbing contractor, own a dairy farm, or operate a retail shop. Whatever type of business you own, one thing you have in common is your need for commercial insurance. The difference is… Each business, contractor, or farm often has different needs. This is where Alpine brokers come in.
At Alpine, we know the ropes after spending decades in the commercial insurance arena as independent brokers. We can get your commercial property, automobile, liability, or industry-specific insurance set up for you through our top insurance providers—so you can get back to running your business.
Your business is important to us.
Each industry has unique risks… Alpine looks at each market, such as the construction, retail, and realty industries, to figure out what distinctive risks are involved ahead of providing you with stellar and comprehensive solutions to suit your business needs. Our brokers also keep abreast of any prices changes within each industry, so you’re not left with a shrinking bank account.
It might be your commercial building that needs protection from the weather, (hail, flood, lightning, or snow), or you may need business interruption insurance, also called business income insurance – or errors & omissions insurance… It can be daunting, but we are here to help!
As a professional, you will have spent years acquiring the qualifications and experience that make you so valuable to your client.
Your client relies on your advice to achieve their goals. As your clients are dependant on your specialized knowledge, it is important for you to have the correct insurance protection should a client take action against you due to a service you provided or failed to provide. Obtaining this coverage is not always stated in a contract that stipulates that you carry errors and omissions insurance, but your expertise makes you particularly susceptible to client lawsuits that only can be covered by errors and omissions insurance.
It is important to remember that you do not have to be negligent for a client to sue you.
Even if you have done nothing wrong, an unhappy client can still bring suit and, because you owe a duty of care, you will have to defend yourself against the client’s action. Just as important, you have to defend your reputation. In these circumstances, a simple Commercial General Liability policy will not protect you. Errors and omissions insurance provides the resources you need to defend yourself in court and if you are found liable, help pay the judgement against you.
No two policies are the same.
It is important for you to understand the coverage you are being offered and that is where our team of commercial brokers can help you. We are not here to find you the cheapest cover, but we will help you to obtain the widest and most cost effective cover for your occupation. We can access domestic insurers and, via our international arrangements, Lloyd’s of London backed MGAs and Lloyd’s syndicates.
As your trusted advisor, we will be happy to discuss the coverages you need to protect you as a professional in your industry.
Knowing what you need to protect, and when, will save you time and money.
Let Alpine take care of your worries; our brokers will inform you about the different types and categories of insurance that they have expert knowledge in so you can get back to what you love to do.
Our brokers will help you to protect everything from the structure of your building, your equipment, inventory, and machinery, to cyber liability and workers’ compensation.
Alpine Insurance has an office conveniently located in Calgary, and also serves Airdrie, Cochrane, Chestermere, Strathmore, Langdon, Okotoks, High River, and the surrounding areas…
Calgary Commercial Insurance
Contractors Have Specialized Needs
Contractors often have particular coverage interests that may change as projects or assignments go forward and have a start and an end date. In Calgary, whether you’re a construction contractor or electrician, you need to have the proper insurance.
Types of contractors Alpine Insurance covers:
- Oil & Gas
- Equipment rental dealers
- Commercial builders COC’s
As a trade contractor, you should think about having insurance for your equipment as it’s the heart of your business. Without proper equipment at a construction site or other job site, you won’t be able to complete your work.
Canmore Commercial Insurance
As a resident of Canmore, you have the great benefit of being local to the economically strong Calgary-Edmonton Corridor. As a citizen, this comes with a lot of benefits and opportunities, particularly if you happen to be a business owner.
At Alpine, we understand how important insurance is to your business, and we know how insurance affects your business and others in a shifting economic climate. When it’s time to choose an insurance policy for your business, Alpine is there to give you the insight and resources necessary to ensure you’re able to take advantage of Alberta’s economic opportunities.
Alpine is proudly located in: Canmore and offers services to Banff, Bragg Creek, and the surrounding areas.
Edmonton Commercial Insurance
Commercial car insurance is similar to personal car insurance but only related to businesses with vehicles and fleets of vehicles. Automobile related damages and injuries are covered under this type of policy. If you bring tools and merchandise along on your travels or to work, you’ll likely need to change your current car insurance policy.
It Pays to Have a Separate Commercial Auto Policy
If you have a business in Edmonton that uses vehicles or fleets of vehicles you’ll need specialized commercial or general commercial insurance.
Forget about piggybacking on your personal car policy though, you’ll need commercial insurance to cover you for damages or injuries related to your business.
Whether you have private passenger vehicles (SUV, cars, vans), or you’re using dump trucks, tanks, or pickups, there are general insurance coverage types that you can have, from comprehensive coverage, liability insurance, to collision and personal injury protection.
Talk to an Alpine broker at our offices in: Edmonton to discuss the details of your business insurance. We also serve the communities of Sherwood Park, St. Albert, Fort Saskatchewan, Spruce Grove, Leduc, Nisku, and the surrounding areas.
Faust Commercial Insurance
Alpine Offers Options to Minimize Risks
Alpine offers even more protection. If you’re looking for directors & officers’ liability, crime or tech liability, cargo coverage, errors & omissions (E&O) liability insurance, or coverage for an R&D shop, we can help you. Farm coverage ranges from hog barns, equine facility, to animal mortality and hail insurance.
Alpine’s full-service insurance brokerage represents 4 of the top 5 insurance providers in Western Canada. If you’re in a rush or forgot to ask about deductibles, premiums, or liability limits—don’t stress, we’re here to answer your questions any time of the day.
Alpine is located in: Faust, offering services to High Prairie, Slave Lake, Athabasca, and the surrounding areas…
Lethbridge Commercial Insurance
When you talk to an Alpine broker at our Lethbridge office, you can always discuss areas of your business insurance coverage, including business income.
An example of when a business needs sufficient business income coverage (also called business interruption insurance) is if an establishment burns down. In this scenario, the business has insurance but not specifically business income insurance, so there is not enough income to rebuild the business to sustain itself. This situation can be avoided by purchasing business income coverage.
Our brokers proudly offer services in the communities of: Lethbridge, Fort MacLeod, Taber, Coaldale, Picture Butte, Magrath, Pincher Creek, Cardston, Claresholm, and surrounding areas…
Red Deer Commercial Insurance
New and Established Business Insurance Requirements Depend on Many Factors
As a new business owner or a seasoned professional in Red Deer, insurance choices may seem daunting, and the insurance terms confusing. But, you need to protect your assets as well as your employees from financial loss and liability—so Alpine helps you do it the right way.
Keep your insurance broker informed of any changes in your business and your risks will be minimized. If you just started a business from your home, for example, you’ll want to inform your insurance provider right away. Your insurance will depend on the type of business you operate, your revenue, and a host of other factors. Get informed and you’ll be better prepared for changes in the future.
Alpine serves the communities of: Red Deer, Lacombe, Blackfalds, Sylvan Lake, Rocky Mountain House, Bowden, Ponoka, and the surrounding areas…