Commercial Insurance     

Integrate your Commercial Coverage

Today, businesses are leveraging their Commercial Coverage to help their employees. One such program is the Halifax Insurance "Group Advantage Program".

This program allows your employee a 15% discount for their own personal Home and Auto Policy when you carry your Commercial coverage with Halifax.

The traditional manner of insuring a Commercial risk has been to compare your present coverage and cost with a new Carrier. Although many times as a business person this seems to be the most cost effective way of addressing the issue, it has only checked one thing -- cost.

This cost is based on the present coverage; no time is spend making sure you have the right coverage. We believe the correct process is to complete a survey of your risks and compare it to the Insurance Advisory Organization's survey of risk for your business. This process eliminates useless "fluff" coverage and puts your dollars to work covering you for the actual risks in your business.


  Commercial Packages
Commercial packages are available for most types of businesses. Retailers, offices and contractors can qualify for package coverage -- Each package is tailored to contain the "extras" that a particular class of business requires.

The coverage is broader than a standard policy and will not only insure your stock and equipment, but will also include very comprehensive general liability.



  Commercial Umbrella
No, we are not talking about keeping dry in the rain. What we mean is excess commercial liability coverage in a addition to your normal limits for your property, vehicles or marine coverage.

This coverage is very effective when you have a business that is very diverse in nature with the advantage of World Wide Protection. Commercial Umbrella will be normally purchased with limits of $1 million and up.


J.A. McEdwards Insurance Brokers is licensed to provide coverage to residents of Ontario, Canada.
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