306.882.2193 | 
306.882.2348 
219 Main Street, Rosetown SK S0L 2V0
Commercial Insurance (Business)
Protect your Business so you can focus on what’s important
Our team can help maximize the effectiveness of insurance by connecting you to the right products at the right price. We have coverage for large and small businesses and we can ensure you have proper coverage through one of our many commercial insurance providers.
What type of businesses can benefit from commercial insurance?
No matter the industry, our business insurance brokers can quickly determine the risks your business may face and the potential financial losses that can leave your business in a vulnerable position. Some of the industries and businesses we specialize in:
- Accommodation, Food & Beverage Services
- Business & Professional Services
- Construction, Erection & Installation
- Manufacturing & Processing
- Wholesales
- Realty
- Recreation
- Retail
- Warehousing
- Membership Organizations
- Education
- Health Services
- Agriculture Services
- Cannabis
What types of business insurance are available?
- Liability Insurance
- Small Business Insurance
- Business Interruption Insurance
- Commercial Property Insurance
- Cyber Insurance
- Industry Specialties
- Farm Insurance
- Commercial Auto Insurance
- Transportation & Logistics Insurance
- E & O Professional Liability Insurance
- Directors & Officers Liability for the Board of Directors of profit & non profit corporations
Why choose Johnston Insurance Brokers?
As a business leader, owner or manager, you wear many hats and protecting your business from unexpected risks is one of them. Through a comprehensive review of your business operations, our team can help define your business insurance protection program. We take a unique approach to building an insurance and risk portfolio that will help you accomplish your business goals and feel protected.
As your local insurance experts, we know that each business in Saskatchewan is unique in its own way. From the small businesses across the prairies; the businesses making valuable impacts in the community, to one of the many service industry businesses in the heart of downtown Saskatoon we’ve got you covered.
We understand it’s vital to protect what’s most important to you and your business. Our expert insurance brokers are available to ensure you’re protected.
“The prompt service and knowledgeable staff always make it easy to deal here!”
– Local Commercial Farmer/Client
Liability Insurance
General liability insurance coverage is a type of insurance that protects your business against liability claims made by third parties. It provides coverage for liability claims arising from bodily injury and property damage to others as a result of your operations. It’s most commonly purchased to protect company owners engaged in business activities or actions that involve other people, such as your employees, your products, construction, retail establishments, nonprofit organizations or by something occurring on your premises. Commercial General Liability insurance provides coverage for bodily injury or property damage caused to a third party by the business’s operations, products or injuries sustained on the business’s premises. Legal liability coverage will help with the financial costs associated with defense costs as well as third-party damages which you’re deemed legally liable.
What expenses are covered by liability insurance?
- Medical expenses if someone is injured on your premises or from your product
- Paying compensatory damages to third parties for which you’re legally liable for
- Lost wages of the individual who has suffered an injury and unable to work
- Loss of use and revenue arising from loss or damage to property
- Compensation for loss of or damage to property
- Legal defense costs for claims brought against your business, regardless of fault
What type of businesses require liability coverage?
Regardless of industry, business type, size, or revenues, all businesses are at risk of causing damage or injury to others. Legal fees are expensive, and just one unexpected incident could impact the future of your business.
Business Interruption Insurance
Protecting Your Livelihood
At Johnston Insurance, we understand that businesses face an array of challenges, and some of the most unexpected ones can disrupt operations, leading to financial losses. That’s where Business Interruption Insurance steps in as a vital safeguard.
What Is Business Interruption Insurance?
Business Interruption Insurance, sometimes referred to as Business Income Insurance, is a policy that helps protect your company’s financial stability when unforeseen events interrupt your regular operations. These events can range from natural disasters like fires and floods to unexpected incidents like equipment breakdowns or civil emergencies.
Who Should Invest in Business Interruption Insurance?
Business Interruption Insurance is relevant for virtually all types and sizes of businesses, including:
- Small Businesses: Even the briefest interruption in daily operations can have a significant impact on small businesses with limited financial resources.
- Medium-Sized Enterprises: Mid-sized companies often have a lot at stake, including employees’ livelihoods and customer trust. Protecting against interruptions is crucial.
- Large Corporations: For larger enterprises, the scale of potential losses during business interruptions can be substantial. Having a comprehensive Business Interruption policy can mitigate these risks.
Why Is Business Interruption Insurance Important?
- Maintain Cash Flow: When a disruption occurs, your regular revenue stream may dwindle or cease altogether. Business Interruption Insurance helps cover ongoing expenses like rent, employee salaries, and utilities, ensuring your business remains financially stable during downtime.
- Recovery Assistance: It supports your efforts to get back on your feet by covering expenses related to temporary relocation, equipment repair or replacement, and marketing to regain customer trust.
- Employee Security: It enables you to continue paying your employees even when business operations are temporarily halted, fostering loyalty and retaining valuable talent.
- Business Viability: In some cases, business interruptions can be so severe that they threaten the very existence of your company. Having this coverage can be the difference between recovery and closure.
Having Business Interruption insurance can assist with:
- Paying your employees salaries
- Covering your water and electricity bills
- Keeping your mortgage and property taxes
- Renting equipment to keep working
- Running out of temporary location
At Johnston Insurance, we are committed to helping you safeguard your business against unforeseen disruptions. Our experienced team will work closely with you to assess your unique needs and tailor a Business Interruption Insurance plan that provides you with the peace of mind to focus on growing your business, knowing you’re protected when the unexpected strikes. Contact us today to learn more about how Business Interruption Insurance can be a cornerstone of your business risk management strategy.
Business interruption insurance can protect you from future losses or unexpected risks such a:
- Losing your best employees or another company attracting your customers
- Extra costs during your renovations
- Having to give up contracts and business partnerships
- Losing a portion or all of your sales
Business Interruption Insurance can make the difference between a temporary setback and going out of business. It helps cover the expenses necessarily incurred to resume normal business operations resulting from the interruption of business when the building or business contents are damaged as a direct result of an insured loss.
