Commercial Insurance Broker
Home | Commercial Insurance
We’re your commercial insurance specialists.
To mitigate your risks so you can create a more resilient business.
We work with businesses in some of the world’s most multifaceted industries. Our experience lets us identify the business risks your company faces on a daily basis. We then use our niche-focused creativity to find bespoke solutions to protect you against these ever-changing risks.
As an independent broker, we are passionate about doing the right thing for you. Our certified risk managers and brokering team create the best coverages for your business at the market’s best rates. Our claims advocacy team fights to ensure your claims are processed and paid promptly.
Hamilton Commercial Insurance Solutions
It is essential to protect your business with the right insurance policy. As a full-service brokerage specializing in commercial insurance, Lawrie Group Insurance can help Hamilton business owners find a wide range of insurance products. For example, in addition to a standard business insurance policy, we can help you find builder’s risk insurance, cargo and marine insurance, commercial auto insurance, errors and omissions insurance, product recall insurance, several liability insurances and many more. Contact Lawrie Group today to learn more about our personalized commercial insurance solutions, including the coverage that comes with each. In the meantime, here are a few of our most popular types of commercial insurance:
Commercial Property Insurance
Protect your business from the inside and out from fire, vandalism, theft and more. Commercial property insurance protects not just the building but also your inventory, electronics, equipment, files, fencing, landscaping and more.
Commercial Auto Insurance
If you drive a vehicle in Hamilton for work, whether it be your car as an uber or just a van to transport tools and equipment, you need commercial auto insurance. It automatically comes with third-party liability, direct compensation, uninsured auto and accident benefits. This coverage protects company vehicles, along with the driver and any passengers, from injury, damage, collision, vandalism and theft.
Business Interruption Insurance
Protect your company from disruption due to unexpected events, such as natural disasters and cyber-attacks. Don’t let an insurable loss impact your business by safeguarding your income, profits and expenses.
Cyber Risk Insurance
Most businesses today store customer information digitally. Cyber Risk Insurance protects your business from associated costs due to a data breach or cyber attack that has compromised employee and client information or damaged your computer systems.
Products
Aviation
Looking for a holistic solution for all of your aviation protection needs? You need our AeroTech Advantage.
Builders Risk
Looking for a holistic solution for all of your building protection needs? You need our Developers Advantage.
Business Interruption
Cargo and Marine
Commercial Auto & Vehicle
Crime
Cyber Risk
Looking for a holistic solution for all of your data and network protection needs? You need our Connexion Advantage.
Developers
Each new project, whether small or large, offers vast opportunities – and risks.
As development and construction experts we can help you reduce the overall risk on all of your projects. Our tailored offerings include risk evaluation and loss prevention.
Directors and Officers Liability
Employers Liability
Employment Practices Liability
Environmental Liability
Equipment Breakdown
Errors & Omissions
Garage Auto Liability
General Liability
Kidnap & Ransom (K&R)
Looking for a holistic solution for all of your protection needs outside the country? You need our International Advantage.
Political Risk
Looking for a holistic solution for all of your protection needs outside the country? You need our International Advantage.
Product Recall
Looking for a holistic solution for all of your product protection needs? You need our ManuTech Advantage.
Property
Surety
Looking for a holistic solution for all of your contract protection needs? You need our Developers Advantage.
Trade Credit
Looking for a holistic solution for your accounts receivable and trade protection needs? You need our International Advantage.
Umbrella & Excess
War & Terrorism
Looking for a holistic solution for all of your protection needs outside the country? You need our International Advantage.
Workers' Compensation
Looking for a holistic solution for all of your protection needs outside the country? You need our International Advantage.
Wrap-up Liability
Looking for a holistic solution for all of your building protection needs? You need our Developers Advantage.
Services
Claims Advocacy
When the unexpected happens, we work for you.
We live in a world that changes every day. We don’t know when the worst will occur. But, you can trust our Claims Advantage team to support you and your business, especially when you have a claim. We use every advantage and tool – our knowledge, expertise and contacts – to get the best possible results for you.
Enterprise Risk Management
Let our team of experts help you create your Enterprise Risk Management Strategy. We assess and prioritize all the relevant company and industry risks to implement control measures to mitigate your exposure to those risks. We then help you make decisions on the risk transfer and insurance options you need to manage them.
Group Home & Auto Program
We take advantage of our strong insurance relationships and the power of group buying to offer you and your employees home and auto insurance at significantly lower rates. Quality insurance with lower premiums is a great employee benefit. Plus, we take care of most of the administrative duties. Really, it’s a win-win.
Learn more about our Group Home & Auto Program.
International Placement
Regardless of where you do business, we can help you establish a customized international insurance program that protects your operations and your employees globally. With our world-wide connections, we can protect your company from costly losses with boots on the ground in any continent you operate in.
Mergers & Acquisitions
When making your merger or acquisition plan, you need to think about the risks and insurance issues that can affect your negotiations. We have the experience to help you avoid contract, tax or litigation risks that can jeopardize the success of this significant transaction.
Property & Casualty Risk Services
This insurance program often bundles different policies such as Crime, Cyber Liability, Errors and Omissions, General Liability, Property and Workers’ Compensation. Our property and casualty risk experts work with you to determine the coverage you need so you’re protected on all fronts.
Transportation Fleet Risk Services
We can help you build a risk management program that specifically addresses your business’s unique transportation exposures. By taking into account factors like vehicle maintenance, training, and performance, we’ll give you recommendations that protect your fleet and your profits.
Workplace Safety
By assessing your business’s safety exposures, we can help you develop a tailor-made program that includes policies, procedures and training. Together we can decrease the number on-the-job accidents as well as compensation costs. As an added bonus: your employees will appreciate that you care about their safety.
FAQs
What does business liability insurance cover in Hamilton?
Business liability insurance (also sometimes referred to as slip and fall insurance) protects businesses against third-party claims related to bodily injury, property damage and more. With this type of insurance, medical expenses, repair bills, legal fees and more can be covered in the event of a third-party lawsuit. As slips and falls are one of the most common claims that businesses face, especially in the colder months, it’s essential for businesses in Hamilton to have this coverage.
Business liability insurance also covers more than just slip and fall injuries. It protects the company’s assets, and it covers legal expenses and settlement fees in the event that a business is faced with a third-party grievance. It pays for medical costs if a customer or employee is injured on the business’s property. It also covers claims against false or misleading advertising (e.g., libel, slander, and copyright infringement).
For companies that rent a spot on a commercial real estate property, it protects them against floods, fire, mould, vandalism, theft and more. It also protects them from extreme weather, such as strong winds blowing a branch through a window.
Who needs business liability insurance in Hamilton?
Businesses of all sizes across all industries can benefit from business liability insurance in Hamilton. Nevertheless, small businesses, in particular, are more vulnerable to risk without proper insurance.
What is the difference between an insurance agent and a broker in Hamilton?
A Hamilton insurance broker works for an insurance brokerage while an insurance agent works for a specific insurance company. Insurance brokers possess knowledge and experience navigating the insurance market for insurance products from a wide range of companies, while insurance agents specialize in their company’s specific products. To summarize, insurance brokers work for the customer and insurance agents work for the company.
What is the role of insurance brokers in Hamilton?
Hamilton insurance brokers can help you find the right insurance policy for your business at a great price. A Hamilton insurance broker is like having a middleman going back and forth between the insurance company and the customer. With an insurance broker, their priority is to put the customer’s needs first instead of a company, as they work independently of an insurance company. They take the time to get to know your needs and wants to ensure the coverage they find will reflect your lifestyle. They then do the work for you by contacting the top insurance companies in Hamilton on your behalf to gain and compare quotes and policies. Their knowledge and skills in navigating the insurance market help them find you the best coverage at the best rate.
Sometimes people choose to purchase insurance directly from an insurance agent because they can receive it more quickly. Insurance agents do not have several companies to compare policies with, so customers can buy their policy right away, unlike an insurance broker who has to submit an application to the insurance company once the customer has approved a quote. However, on the flip side, because insurance brokers can compare quotes with several companies, you often get a better policy at a much better rate when you choose a broker in Hamilton. In short, insurance agents work for the company, and insurance brokers work for the customer.
Why use a broker to get insurance in Hamilton?
Using an insurance broker to purchase insurance in Hamilton offers so many benefits. First, insurance brokers work independently of insurance companies, which allows us to provide our unbiased, objective opinion on the best policy for your home. Second, we do all the work for you, contacting the best insurers in Hamilton and comparing quotes on your behalf. With a Hamilton insurance broker, you can expect personalized service, as most will live and work within the community they serve.
How much does it cost to have a Hamilton insurance broker?
Nothing! Brokers are paid by insurance companies each time they sell a customer a new policy and provide ongoing customer support for. This means that there are no fees for you to work with one.
Our Global Reach
Trusted Partnerships
We work hard to develop and maintain our industry alliances in Canada and around the world. These strategic relationships help us expand our network, services and expertise.
Third-party liability coverage
Third-party liability insurance protects you should you get into an accident that injures another person or results in property damage to another person’s property. It covers the costs of any legal or court fees, associated medical expenses and repairs of a damaged car. Ontario requires you to carry a minimum of $200,000 in third-party liability coverage.
Direct compensation - property damage coverage
If you are in an accident but not at fault, direct compensation coverage protects an insured car and its contents by covering the costs of any property damage, such as repairing or replacing a vehicle.
Uninsured automobile coverage
Should you be involved in an accident with an underinsured or uninsured driver who is deemed at fault for the collision, this coverage will kick in to cover any associated medical expenses due to injuries, as well as car repairs, lost wages and more. It also kicks in if you are involved in a hit-and-run.
Accident benefits coverage
Accident benefits coverage kicks in to help cover lost income and medical expenses, regardless of who is at fault, if you, a passenger or a pedestrian are injured in a collision. Medical expenses include prescription medications, physical therapy, rehabilitation and more.
Contact Us
We’re here to answer any questions you have about our products and services.