Is it required to purchase RV/trailer insurance?

Recreational vehicle owners must purchase an auto insurance policy under Ontario law as it can be operated independently on the road. However, owners who choose to live out of their RV or motorhome may also purchase secondary insurance policies that provide coverage against property damage. On the other hand, travel trailers towed by a vehicle do not require insurance. In contrast, being operated on the road, as the owner’s auto insurance will extend to the trailer.

If my trailer is a modified van, do I need to acquire RV insurance?

Building your own modified van is a great accomplishment that provides you with the freedom to live and travel across the continent with ease. While you do not need to purchase RV insurance for your modified vehicle, it is highly suggested you do so.

Will this policy cover my RV from any malfunctions on the road?

Like many vehicles, basic RV insurance will generally come with the following policies included: Liability Coverage, Collision Coverage , Comprehensive Coverage

Is my auto insurance coverage going to include trailer insurance?

As travel trailers require towing from a motor vehicle to operate, your auto insurance plan will extend to your trailer when it is in motion. However, once your travel trailer is parked and detached from its towing vehicle, most auto insurance policies will not cover your trailer. Additionally, while your auto insurance plan provides coverage to the trailer itself, it typically will not provide coverage for items stored within it.

Commercial Liability Insurance Ontario

Coverage Uniquely Designed for Commercial Liability Insurance in Ontario

Bevan Insurance offers commercial liability insurance coverage in the province of Ontario. Learn more about it here. Click to get a quote today!

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Commercial Liability Insurance in Ontario

Let Us Be Your Expert for Liability Insurance

As a business owner, protecting your interests and assets is key to ensuring you’re able to continue conducting your daily business operations in the event you are accused of being legally responsible for injuries, damages, or deaths that occur on your business property.

With over 20 years of insurance experience, Bevan Insurance has the skills and expertise to provide business owners with high-quality insurance solutions. Our leading insurance specialists understand that every business is different, which is why we are committed to working closely with owners to customize an insurance portfolio that reflects their unique needs and expectations.

Unlike other insurance firms, Bevan Insurance is an independent insurance brokerage. This means that our team is able to provide you with unbiased advice and exclusive access to numerous leading insurance company policies. That way, you can rest assured knowing that Bevan Insurance has your best interests in mind.

Comprehensively protect your business with professional commercial liability insurance in Ontario. Get a free quote with the team at Bevan Insurance today!

What does a commercial liability policy cover?

At Bevan Insurance, we strive to offer business owners a variety of insurance policies to choose from. Here is how our team is prepared to assist you:

General Liability

General liability provides your business protection by covering the cost of legal fees and medical expenses in the event you are found legally liable for:

Bodily injury
Property damage
Slander, defamation, or advertising injury

Directors and Officers Liability

Directors and officers liability coverage provides you with protection by covering any legal fees and financial losses that result from a lawsuit in which you are found legally responsible for committing a wrongful act, including conflicts of interest, violations of ethics, and claimed misrepresented actions.

Errors and Omissions Coverage

Errors and omissions coverage protects your business in the event you are accused of:

Inaccurate appraisals
Breaches of contracts
Product designs that are defective
Delivery delays
Typographic errors
Advice or information that is incorrect

This insurance policy will cover the cost of all legal fees and extends to any person, partnership, or company that offers professional services to consumers for a fee.

Is general liability insurance necessary for a small business?

While general liability insurance for small businesses is not mandatory, it is highly recommended that business owners operate under the comprehensive protection of a general liability insurance policy. There are numerous risks your business could encounter each day that may result in your business being sued by a third party.

Should this occur, you will be required to pay for legal expenses and any other associated costs out of pocket, which can lead to severe financial hardship for you and your business. Therefore, by operating with general liability insurance, you can rest assured knowing that your business and assets are protected.

Do I need commercial liability insurance if I run a small business from home?

If you run a small business out of your home that requires customers to visit, purchasing a commercial liability insurance policy is essential to ensuring you are protected in the event your property is damaged or one of your customers or employees is injured on your premises. Furthermore, commercial liability insurance can also protect your belongings and any other equipment that is related to your business that may be damaged or stolen.

Without an insurance policy, you will be required to pay for any legal expenses, related medical costs, and replacements on products and belongings out of pocket, which can cost hundreds to thousands of dollars.

What is not covered by Commercial General Liability Insurance?

General liability insurance in Ontario is an affordable method to ensure your business, regardless of its size or economic sector, is protected from paying out of pocket for legal fees and other related costs that may arise from a lawsuit. In addition to commercial general liability insurance, you may also wish to purchase the following policy add-ons that can provide further protection to your business, including:

Non-owned automobile liability insurance
Tenants legal liability insurance
Cyber liability insurance
Product liability insurance

How do I get commercial liability insurance for my business?

If you are considering purchasing commercial liability insurance for your business, then the team at Bevan Insurance is prepared to assist you. As an independent insurance brokerage, our team has access to numerous leading insurance policies allowing you to pick and choose coverage that you believe best suits your needs and expectations. As we are not affiliated with a specific insurance firm, our brokerage is able to provide you with unbiased advice that will work in your favor to ensure that you are comprehensively protected.

To find out more about how the professional brokerage team at Bevan Insurance can protect you, get a free insurance quote with us online today before speaking to one of our team members for further information. We look forward to connecting with you!

Welcome to Bevan Insurance

Clients we have helped over the years

Amateur Motocross Ontario

A&W High Voltage

Woodbeck Auto Parts Ltd

Zenetec Collision Insurance

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Our Case Study

Who We’ve Helped

A commercial account also owns the adjacent house to their business location that was used as a rental property. Unfortunately the insured suffered a major loss when the rental property caught fire and was destroyed. In conversations with our insured throughout the claim they told us they were thinking of accepting a cash payout from the insurer instead of rebuilding the property.

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