Business & Commercial

BST Insurance Brokers Ltd can tailor your Business Insurance portfolio to cover your property, business interruption, crime and liability exposures.

And, since no two businesses are alike, we can customize your Commercial Insurance policy with coverage options suited to your specific needs.

Commercial Auto Insurance - If you are a business owner or are self-employed, commercial auto insurance can provide financial protection in case you or your drivers are involved in an on-the-job collision. Auto insurance provides you with liability protection, which covers you if you are legally responsible for a collision that injures another person or damages their property. It may also provide coverage for you and your passengers for medical and related expenses caused by injuries from a collision, regardless of fault. BST commercial auto insurance covers vehicles used for business purposes, including cars, trucks, vans and commercial use trailers. Some commercial autos are subject to different rating rules and coverage limitations.

Business Property Insurance can cover your property, crime and liability exposures. It can also protect you against lost income resulting from an insured loss. And, since no two businesses are alike, you can customize your insurance policy with optional coverage’s suited to your specific needs.

Liability Insurance has never been more important. We live in an increasingly litigious society. More people are now turning to the legal system to settle conflicts. As a result, claims alleging negligence causing injury or property damage are on the rise. Insurance that protects your business and your employees from lawsuits is more important than ever.

Protect your business from claims - With liability insurance, you will be protected in the event you are found legally liable for injuries caused to another person or damage to their property. You will also be protected if your product injures someone or causes property damage. Talk to your agent to make sure you get the liability coverage your business needs.

General Third-Party Liability

With general liability coverage, your business is protected in the event you are found legally liable for injuries or property damage caused by your product or accidents on your premises or at your customer’s location.

General Third-Party Liability policies cover four types of claims:

  • Bodily injury resulting in actual physical damage or loss
  • Property damage or loss
  • Personal injury (including slander or libel)
  • Medical Expenses

General liability insurance is not expensive – especially when compared to the cost to defend a claim against your business. Damages assessed by the courts to compensate third parties, legal defence fees, and settlement charges are paid by your insurer, up to the limit of the policy.

Liability coverage is included in our commercial policy packages.