Commercial Insurance in Calgary

From physical damage to lawsuits, there are a lot of risks for businesses. Commercial insurance helps Calgary business owners protect their hard-earned money and reduces the financial impact of unexpected events. Work with our experienced Calgary commercial insurance brokers to ensure you get the right coverage for your business at the best possible price. We’re independent – we work for you, not an insurance company. Get a commercial insurance quote in Calgary today or contact us for more information. 

Calgary Commercial Insurance Coverage 

There are many types of protection available for Calgary businesses. A commercial insurance broker can help you choose the right coverage for your needs and budget. Here are some of the most common Calgary commercial insurance products: 

  • Commercial Property Insurance – helps cover repair or replacement of your property if it is damaged or destroyed by an insured peril such as fire, hail or theft.  
  • Commercial General Liability Insurance – helps cover legal expenses if a third party sues you for negligent acts causing an injury or property damage. A common example is if someone slips and falls on a sidewalk you’re responsible for clearing.  
  • Professional Liability Insurance – helps cover legal expenses if a third party sues your business for causing financial loss due to your professional service or advice or failure to provide it. An example is a project manager whose project goes over time and over budget.  
  • Cyber Liability Insurance – helps cover expenses related to a cyberattack. Coverage varies depending on the insurer.  
  • Crime Coverage – helps cover expenses relating to employee theft and various types of money fraud.  
  • Equipment Breakdown Coverage – helps cover repair or replacement of equipment that suffers a mechanical or electrical breakdown.  
  • Business Interruption – If your business is forced to close due to a covered claim, this protection helps cover expenses to keep you going or to temporarily relocate so you can resume operations. 
  • Commercial Vehicle Insurance – helps protect your company vehicles including the required third party liability, accident benefits and direct compensation for property damage coverages. 

Wondering about protection you don’t see on this list? Want more information? Contact us today to discuss available commercial insurance in Calgary or to get a quote.  

An Asian business woman is taking care of her accounting with papers strewn around her as she gazes pensively at her laptop.

Cost of Commercial Insurance in Calgary 

The cost of commercial insurance in Calgary depends on the following factors: 

  • Your industry 
  • Your business operations 
  • Your annual revenue 
  • The number of employees 
  • Where you are located 
  • Where you operate 
  • Your insurance history 
  • Your insurance options such as coverage, deductible and policy limits 

As your broker, we do our best to get you the best Calgary commercial insurance for the lowest rates.  


Working with A-WIN for Your Calgary Commercial Insurance 

When you choose A-WIN for your Calgary commercial insurance, you get: 

  • Years of experience in commercial insurance. 
  • Support during the claims process. 
  • Exceptional customer service and professionalism. 
  • Attention to detail on your account.  
  • Prompt responses and quick turnarounds. 

Call us today or request a Calgary commercial insurance quote online.  



Calgary Commercial Insurance FAQs

Have questions about commercial insurance in Calgary? You’re not the only one. Here are the answers to some of our most frequently asked questions. 

Commercial insurance is not legally required in Calgary unless you have company vehicles. However, you may be required to carry a certain type and amount of insurance as part of a contract with a landlord or client. Depending on your business, your governing body may also require or strongly recommend particular insurance coverage.

We recommend all businesses carry commercial property and commercial general liability insurance in Calgary. We work with you to understand your needs and advise additional insurance coverage as required. 

The amount of insurance you need will depend on a variety of factors, such as: 

  • Your industry 
  • The size of your business 
  • Your business operations 
  • The number of employees 
  • Where you operate 

Every company is different, so it is impossible to give an answer without knowing more. Contact us today to learn about your insurance options.  

Calgary business owners should carry commercial insurance if they want to reduce the financial impact of an unexpected event. It can help get you through a disaster or lawsuit that could otherwise devastate your business financially.  

Commercial insurance may also be required by your landlord, governing body or by a client contract.

Every company in Calgary is different and the insurance coverage you should have will depend on: 

  • Your industry 
  • Your business operations 
  • The number of employees 
  • Where you operate 

Many insurers have developed industry-specific packages with available add-ons. Our experienced commercial insurance brokers in Calgary can discuss which insurance protections are right for your needs and budget. Contact us today!

Your coverage will depend on your individual policy. You choose your protection when you purchase your commercial insurance in Calgary. Exactly what’s covered will be outlined in your policy documents.  

A broker can help answer questions about your coverage or review your needs to ensure you’re adequately protected. 

Exclusions to your policy will be outlined in your policy documents. There are also specific insurance products designed to cover “gaps” or things not covered by more common insurance policies, such as equipment breakdown coverage. A broker can explain what is not covered by your Calgary commercial insurance policy. 

The best commercial insurance will depend on your individual company’s needs. Some insurance companies specialize in certain industries or offer packages tailored to specific businesses. Your insurance broker’s job is to find you the best commercial insurance for your company’s needs and budget.  

Every insurance company calculates their premiums differently, so it will vary as to who the cheapest commercial insurer is in Calgary for each company.

While price is a critical factor in choosing your insurance, it should not be the only factor. The cheapest insurance is not always the best option. You want to evaluate coverage as well.

Our Calgary commercial insurance brokers will help you find the right protection based on coverage and price.

A broker is the best way to shop for commercial insurance in Calgary. Why? Because we take care of the price shopping for you! We work with many insurers to ensure you get the best coverage for your business for the best price. You can request a quote online, send us an email or give us a call.  

Rogers Insurance and CapriCMW merge to become Acera Insurance.

A-WIN Insurance is part of the Rogers Insurance Group.

Click to learn more about how this merger will impact A-WIN Insurance. Our branches will remain independently owned and operated.