Alberta Commercial Insurance Services

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Commercial Insurance

At MMI, we are local business owners who understand the unique needs of Alberta businesses. Whether it is insurance for your building, business property, equipment, inventory, or company vehicle, we offer products and services to protect your business. You depend on your business to provide a comfortable life for your family and have a responsibility to the people you serve and your employees.

With the right commercial insurance coverage, you are prepared to handle all eventualities, including equipment damage, theft, water damage, bodily injury, property damage, and downtime due to business disruptions. You can depend on us to create a customized commercial insurance plan that optimizes coverage and minimizes premiums. We make smart recommendations to protect your bottom line and provide peace of mind so you can focus on the business at hand.

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Types of Commercial Insurance

When shopping for commercial insurance, you need an insurance advisor who is familiar with your industry. At MMI, we have been working in the community for over 60 years and have helped successful business owners from all industries. We offer comprehensive commercial insurance policies for the following types of businesses:

Contractors

Whether you are a builder, glazier, plumber, HVAC expert, electrician, or drywall contractor, we provide complete coverage to protect your business against liabilities. As a contractor, you need to manage risk to avoid liabilities that can put you out of business. We’ve helped Alberta contractors optimize their coverage with flexible insurance policies tailor-made for the services they offer.

Retail

MMI is committed to the entrepreneurs in our communities, offering trusted protection for your retail shops. Our retail insurance policies are customized to suit your needs, whether you have a brick-and-mortar shop, or focus on online sales. Your insurance protects you from the unique risks of selling merchandise.

Office Packages

If you own or manage a business such as doctors office, lawyers office and/or accountants office then you need an office package to provide the right coverage that fits your business needs. Included with the office contents is coverage for equipment, tools and/or tenant’s improvements.

General Liability Office Insurance

Office General Liability Insurance is liability coverage that protects and defends against bodily injury or property damage claims where the professional is legally liable.

Non-profit

As an advocate of important causes, you deserve the same level of protection that you offer your community. Non-profit insurance protects you against potential claims or lawsuits, including third-party bodily injury, property damage and allegations of negligence.

Building Ownership

Building ownership insurance protects the physical assets of your business, including your commercial buildings, inventory, equipment, exterior fixtures, etc. Whether you experience fire, theft, vandalism, or other related damages, commercial property insurance protects you against loss or damage.

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What Does Commercial Insurance Cover For Alberta Businesses?

Commercial insurance coverage in Alberta typically includes three key areas: protection for physical assets, coverage for liability risks, and safeguards for business operations. Each component works together to limit your financial exposure.

A commercial insurance policy can include commercial general liability insurance, commercial property insurance, and commercial auto insurance. Depending on your operations, you may also need optional protection for equipment, digital threats, or professional services.

Property Insurance

Coverage for owned or leased buildings, contents, equipment, inventory, and fixtures, including damage from fire, water, vandalism, or theft.
General Liability Insurance

Covers legal defence and settlement costs for bodily injury or property damage caused to others due to business operations, accidents, or premises hazards.
Commercial Auto Insurance

Protects vehicles used for business tasks such as deliveries, travel between sites, or transporting tools and equipment. Personal policies won’t cover commercial use.

How Do I Get A Commercial Insurance Quote In Alberta?

Getting a commercial insurance quote in Alberta is simple. Start with a call or contact form. We’ll ask questions about your business, review operations, and prepare a custom commercial insurance quote that reflects your risks and needs. Once you receive your quote, we review it with you to confirm coverages and limits, make any changes, and finalize your commercial insurance policy.

Information Businesses Should Prepare

Details such as business size, services offered, number of employees, owned property, vehicles, past claims, and contracts help ensure an accurate quote.
How A Commercial Insurance Broker Evaluates Risk

We assess your industry, prior claims, operational exposures, and contractual obligations to build your commercial insurance service package.
What Happens After You Receive Your Quote

Our advisors walk you through the quote, clarify coverage, adjust as needed, and confirm your commercial insurance policy with no surprises.

What’s Included In A Commercial Insurance Policy For Alberta Businesses?

A typical Alberta commercial insurance policy includes several core protections that work together to address common risks. Most policies combine property, general liability, and loss of income coverage. Depending on your business type, you might also need coverage for commercial vehicles, data breaches, or professional advice. It’s important to understand what’s included and confirm that your coverage limits align with your business value and risks.

Core Coverages Most Businesses Start With

Policies typically begin with commercial general liability insurance, commercial property insurance, and coverage for business interruptions.
Commercial Auto Liability Insurance And Vehicle Coverage Basics

Auto insurance for commercial vehicles includes liability and damage protection for business-use cars, trucks, or fleets used by you or your employees.
Optional Add-Ons That Businesses Often Need

Businesses may add insurance for commercial cyber threats, commercial truck insurance, or professional liability, depending on their services.

Customizable Coverage

At MMI, we work on the belief that business ownership plays an important role in creating livable communities with strong economies. We are your partners in success with a passion for business and an understanding of the challenges Alberta entrepreneurs face. We take an individualized approach to commercial insurance, helping you save money and avoid losses with optimized coverage and affordable premiums.

Our customizable coverage addresses your industry’s specific needs while considering the very personal aspects of your business’s unique qualities. We take the time to get to know you and make knowledge-based recommendations driven by your business needs. We identify the right insurance policies for your business and explain the types of coverage you need and why. As a result, you make an informed decision and never face surprises when you need to make a claim.

Additional Coverage We Provide

As part of our customized approach to commercial insurance, we can also recommend additional coverage based on your business. Some common additions you might require include:

Home-Based Business Insurance: If you run your business from home, your home insurance does not cover damages related to business operations, including inventory, business equipment, and even injuries of employees working with you.
Professional Liability: If you offer professional services, additional coverage to protect you against negligence or failure to deliver a service as promised is a must.
Director & Officers Liability: If you sit on the board of a public, private or non-profit organization, you can be personally pursued for lawsuits related to the actions of the companies or organizations you serve.
Cyber Liability Insurance: Today’s businesses are vulnerable to security breaches and cyber hacks that lead to lawsuits as well as containment and repair expenses.

If you aren’t sure about protection for certain aspects of your business, just ask us. We are ready to find tailor-made solutions to suit today’s diverse business operations.

FAQs

Does commercial insurance protect online services?

Yes, we can cover your business operations even when conducted online.

What protection do non-profit organizations require?

Non-profit organizations are vulnerable to claims or allegations ranging from employment disputes to accusations of misuse of funds and from benefits plan omissions to board of directors misconduct.

Who is covered by Director & Officers Liability insurance policies?

Covered individuals include current, past, and future directors, officers, and senior executives of a company.

Does my retail insurance cover product shipping or returns?

No, unless specifically requested, this is not included. Rider for cargo insurance, transit insurance or inland marine insurance protects the value of your shipments even when held in storage while in transit.

What kinds of business insurance coverage should I include in my commercial insurance policy?

This is far too broad a question to answer in general terms. We offer guidance based on your specific needs to ensure you have appropriate coverage based on related risks to your business.

How much coverage do I need for commercial general liability insurance?

Our commercial insurance agents base your commercial general liability (CGL) coverage limit based on the specific risks to your business. We perform industry-related risk assessments to ensure you have enough coverage for the predicted costs related to those risks.

Do I need contractor insurance as a handyman?

Depending on the services you offer, you might not be required by law to have insurance in order to operate as a handyman. However, insurance is designed to protect you against the same liabilities faced by a contractor. As a self-employed handyman, you can be found negligent for injuries or damages caused on the job, which means you will be personally and financially responsible for any settlements and legal fees.

Coverage is subject to policy wording, terms, conditions and deductibles. Protection is limited to the perils, coverage, exclusions and limits shown on the policy

What does commercial insurance typically cover?

Commercial insurance policies typically cover property damage, liability claims, business interruption, general liability, professional liability, workers’ compensation, commercial, product liability, cyber liability, and other specific needs based on the nature of the business. Coverage can be customized to address unique risks.

How is the cost of commercial insurance determined?

The cost of commercial insurance is determined based on various factors, including the type of business, industry, size of the company, location, revenue, number of employees, claims history, desired coverage limits, and deductible amounts. Insurance providers assess these factors to calculate the premium.

Can I customize my commercial insurance policy?

Yes, many insurance providers, including MMI Insurance, offer customizable commercial insurance policies. You can often tailor your coverage by selecting specific options or endorsements to ensure that the policy aligns with the unique risks and needs of your business.

What should I do if I need to file a claim under my commercial insurance policy?

In the event of a claim, promptly notify your insurance provider and provide all relevant information and documentation related to the incident. Our company will guide you through the insurance claims process, assess the situation, and work with you to settle the claim as efficiently as possible.

How much insurance is right for me?

Contact MMI today and speak with one of our Insurance Advisors. We’ll be happy to provide you with a free, no-obligation quote!

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