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COMMERCIAL AND CIVIL LIABILITY INSURANCE

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COMMERCIAL AND GENERAL CIVIL LIABILITY INSURANCE

From a legal standpoint, your company can be held liable for any damages its activities or staff cause to others. The commercial general liability insurance covers incidents such as personal injury or property damage to your customers and visitors, inside and outside your facilities. This insurance can also cover defense and settlement costs, as well as damages that must be paid to third parties as a result of a lawsuit. The experts at Magnat Ravary Assurances have the necessary expertise to assess the best coverage for you, based on your business activities, to make sure that you are adequately protected in the event of legal action.

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514.316.7718

For whom is the professional civil liability intended?

  • Dentists;
  • Doctors;
  • Lawyers;
  • Accountants;
  • Hair salons;
  • Mechanics;
  • Insurance brokers;
  • And other types of professions;

What is covered by commercial general liability insurance?

Professional liability insurance has the purpose to protect you as a professional, and to cover your business for any damages it could inflict to others, whether it is property damage or personal injury caused by fault or negligence in your professional activities. This insurance protects you in the event of criminal prosecution as a result of your company’s operations, by paying all costs for your defense. In case the judgement against you is unfavorable, the plaintiff will be compensated up to the amount outlined in your policy limit. As such, this insurance covers you not only as a professional, but also protects your reputation from alleged malpractice, especially if it proves to be unfounded. Enlist our help and benefit from a corporate liability insurance custom tailored to your needs and your industry.


Examples of incidents covered by commercial general liability:


  • Damages caused to a third party or their property;
  • Accidental injuries that your activities could potentially inflict on a third party;
  • Water or fire damage to a neighboring building;
  • A lawsuit against your business;

Errors and Omissions Insurance

Errors and Omissions Insurance protects you from the potentially costly consequences of unfortunate accidents, negligence or breaches that may inadvertently result from your professional practice. Initially designed for lawyers, doctors and engineers, this type of insurance is now offered to professionals from all backgrounds. In fact, it acts as a supplement to commercial general liability insurance. Our experts will make sure to find the most competitive and effective coverage for you, in regards to your specific business needs.

The Errors and Omissions Insurance covers the following:

  • Financial damage;
  • Contractual disagreements;
  • Design, manufacturing and installation errors;
  • Design flaws;
  • Late delivery;
  • Inadequate service, breach, omission, negligence;
  • Breach of contract;
  • Inaccurate information or advice;
  • Typographical errors;
  • Incorrect ratings;

Domains

Construction sector

  • Acoustic engineers
  • Drafting
  • Electricity
  • Expert testimony
  • Feasibility studies
  • HVAC
  • Project management
  • Plumbing
  • Urban planning

Oil and petroleum

  • Geologists
  • Drilling site operators / managers
  • Health and safety advisors
  • Drilling and directional drilling consultants
  • Project managers
  • Production engineers
  • Reservoir engineers
  • Business manager

Employee & staff recruitment sector

  • Permanent recruiting
  • Executive placement
  • Temporary recruitment, including :
    • - Recruiting in the information technology (IT) field
    • - White-collar office jobs
    • - Engineers
    • - Contractors in the oil and gas field

Architects

  • Interior design, landscape architects
  • Surveying
  • Archaeology
  • Architects
  • Architects, architectural technologists, designers
  • Building designers
  • Agricultural engineers
  • Biological
  • Biomedical
  • Chemical
  • Electrical (energy)
  • Environmental
  • Environmental assessments
  • Geology
  • Health and safety
  • Industrial
  • Manufacturing
  • Mechatronics
  • Mines
  • Nanoengineering
  • Product designers
  • Designers
  • Product safety
  • Robotics
  • Safety reliability
  • Solar energy systems
  • Thermal systems
  • Surveying
  • Environmental
  • Land-related
  • Geographic information system (GIS)
  • Hydrographic
  • Engineering
  • Cartography
  • Geology
  • Welding inspection

Professional services

  • Business consultants
  • Environmental consultants
  • Event management
  • Freight forwarders
  • Geologists
  • Health and safety consultants
  • Human resource consultants
  • Life coaches
  • Management consultants
  • Organizations
  • Non-profit organizations
  • Private investigators
  • Procurement consultants
  • Quality assurance consultants
  • Regulatory consultants
  • Security consultants
  • Training companies
  • Travel agents
  • Translators
  • Call centres
  • Recruitment agencies
  • Franchisers
  • Claim experts
  • Utility locators

Medical

  • Acupressure
  • Dieticians and nutritionists
  • Expert witness services
  • Personal trainers
  • Hairdressing and beauty salons
  • Life coaches
  • Medical imaging clinics
  • Outpatient clinics (mental and behavioural health)
  • Permanent makeup
  • Physiotherapists
  • Occupational therapists
  • Speech therapists
  • Botox
  • Kybella and dermal fillers
  • Chiropractors
  • Acupuncturists
  • Hormone therapy
  • Medical students
  • Naturopaths
  • Opticians, optometrists and ophthalmologists
  • Orthotic and prosthetic services
  • Psychiatrists
  • Sclerotherapy

Financial institutions

  • Nonbank lenders
  • Introduction services
  • Merger and acquisition advisor
  • Digital and mobile banking
  • Money transfer and payment services
  • Investment platforms
  • Digital loans
  • Hedge funds
  • Long-term equity funds, including mutual funds
  • Private equity and venture capital fund managers
  • Real estate funds
  • Real estate investment trusts (REITs) and real estate funds
  • Real estate
  • Registered investment advisors

Research & development

  • Companies involved in research and development
  • Development of life sciences, such as:
    • - Drug development
    • - Medical device development
    • - Consultants
    • - Contract research organizations
    • - Clinical research organizations
    • - Preclinical trial services
    • - Analytical trial services
    • - Contract manufacturers
    • - Site management
    • - Clinical trials
  • Software applications used for scientific research
  • Cannabis-related research and development
  • Placement of scientists in contract roles

Manufacturing & distribution

  • Exports to the United States (up to 100%)
  • Amazon sellers and e-commerce
  • Clothing and fashion
  • Cosmetics, toiletries and personal care products
  • Food, beverages and groceries
  • Furniture
  • Household items
  • Kitchen equipment
  • Pet supplies
  • Electronic equipment and consumer electronics
  • Automotive tools, accessories and equipment
  • Industrial components and materials
  • Non-structural building materials
  • Jewellery store

Entrust us with your insurance and you will get:

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Expert advice

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Competitive rate

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Peace of mind

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Transparency

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Efficient

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Integrity

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French,
English, Spanish

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