Our breakfast is served between 7:30AM and 11:00AM Monday to Fridayand between 8:00AM and 1:00PM on Saturdays and Sundays. OmelettesMade with three eggs and served with our own Dakota toastA….
Art shows at the Sleepless Goat Cafe & Worker’s Co-operative will be determined by concensus of the workers, or by the art-coordinator him or herself (when empowered to do so
TYPES OF COMMERCIAL INSURANCE EVERY BUSINESS MUST HAVE
When an entrepreneur starts a business, the business gets exposed to risks. Even before the business owner hires employees, the business itself is at risk. It makes it essential to have the appropriate insurance in place. One lawsuit is enough to wipe out a small venture before it even kicks off.
Fortunately, businesses have access to different insurance types. Therefore, as a business owner, you can choose the right insurance type that will suit the needs of your business and protect it from dangers. Here are types of commercial insurance Ontario offers that businesses should have to protect them from possible risks.
It takes care of employees who get injuries while at work. It provides wage replacement and medical benefit to employees when the get injuries while at the line of duty. Business owners should have worker’s compensation since it protects them and their companies from legal complications. Most state laws require all businesses to have worker’s compensation, and some penalties arise from non-compliance.
Professional liability insurance
It is also known as errors and omissions insurance. It covers companies against negligence claims resulting from harm due to failure to perform. It takes care of damages resulting from improperly rendered professional services. Understand that general liability insurance does not offer this protection. Each industry has a professional liability insurance that will cover concerns in that industry. The policy is usually customized to suit such concerns as well as the policy of the business.
Commercial auto insurance
It offers protection against damage to the company’s vehicles. Protect cars that carry your employees, your products or equipment. Business owners get to protect their vans, trucks, and SUVs from collisions or damage. If your business does not own vehicles but your employees drive their cars, you can still take up non-owned auto liability. In that case, the insurance cover will protect the company if an employee does not have insurance or enough coverage.
Businesses have buildings, office equipment, inventory, tools and computers among other properties. All these properties are at risk. Therefore, purchase property insurance to protect your property against fire, smoke damage, vandalism, and theft. Consider protecting your business property against interruption or loss of earnings when a risk occurs.
General liability insurance
Every company requires liability insurance. General liability insurance provides protection and defense against damages caused by a business owner, the employees, products or services. Employees, products, business owner or services can be alleged to cause bodily injury or property damage to third parties. In such cases, general liability insurance takes care of such damages.
Directors and officers insurance
The above insurance protects officers and directors of an organization against actions they take that affect the profitability or the operations of business. If an officer or a director of a company is caught up in a legal situation resulting from an action or a decision, the insurance will cover the costs and damages. Thus, it takes care of damages caused by the lawsuit.
Insurance coverage is available for all conceivable danger in the business world. However, the cost and amount vary among insurers. Thus, you can discuss with insurance companies so that you get the right coverage for your venture at affordable prices.
Lunch is served from11:15AM to 3:00PM Monday to Thursday, 11:15AM to 4PM on Fridays,1:15PM to 4PM on Saturdays and 1:15PM to 3PM Sundays. Luscious LasagnaLayers of pasta, mushrooms, eggplant, zucchini,…
Dinner is served Wednesday, Thursday, Friday and Saturday 5:00PM to 9:00PM. Sommerville’s CurryCurried sweet potato, chickpeas and green beans on a bed of organic brown basmati, garnished with raisins, peanuts,…