Commercial Business Insurance
"Every business is unique. Youngs staff has the knowledge to customize our products to meet all of your Insurance needs"
Commercial & Fleet
As a full-service independent insurance broker, Youngs proudly represents the majority of the top standard commercial markets and, through our specialty markets, we have the ability to cover almost any non-standard risk.
We know that finding the right insurance for your business can be difficult. We will do an in-depth review of your policy to ensure that all areas of risk have been considered. We will make certain you are protected against unforeseen events to reduce the total cost of risk resulting from incidents beyond your control.
With so many companies offering products that appear the same on the surface, it can be difficult to be sure that you have adequately protected your business. Our knowledgeable and professional staff work with our clients to simplify and clarify the intricacies of insurance so they are comfortable knowing that their company is properly covered.
In addition to our regular commercial services, Youngs offers commercial business programs exclusive to our office:
- Winery Program
- Sports Program
- Student Rental Program
Construction & Contractors Program:
We can help with the large list of risks facing contractors today by providing the peace of mind that comes with knowing you are properly covered
- Builders risk
- Wrap-up
- CCDC & CCA wordings
- DE & LEG endorsements
- Installation floaters & contractors equipment schedules
- Pollution & LEED accreditation
- Delay in start up
- Surety bonds
Small Business program:
From start-up to established businesses, we will do an in-depth review of your business ensuring all areas of exposure have been considered.
- Property/casualty
- Business interruption
- Commercial automobile
- Professional liability
- Directors & officers liablity
- & More
Restaurant & Hospitality program:
From the B & B right up to the large hotel, we have access to worldwide markets with products to meet every size and type of business no matter how unique.We'll cover specific needs for nightclubs, restaurants, Inns and many more.
- Licensed facilities
- “Destination” locations
- Coverages adapted to meet specific hospitality needs
Golf & Leisure program:
Having our head office located in the Niagara Region, we are surrounded by the most beautiful golf clubs in Ontario. Because of our location we have gained the experience & knowledge to effectively insure your club with a policy that considers all areas of risk.- Directors & officers liablity
- Pollution liability
- Hole in one insurance
- & More
Student Rental program:
If you are a landlord who rents out dwellings to students, you'll want to make sure all risks are covered.
- Dedicated Underwriter
- Excellent claims service
- Less than 24 hour turn around time for quotes
- Residential homes or student apartment buildings/dormitories acceptable
- Absentee Landlord acceptable
- Broad Form/Replacement Cost Coverage available *subject to underwriting criteria
- Sewer Back-up Coverage available
- Rental Income Replacement
- Vandalism & Malicious Damage Included if not caused by tenants or their guests
- Liability limit - up to $5,000,000 available subject to underwriting criteria
Winery Program:
With over 100 years of history rooted in the Niagara Regions wine country, you can rest assured we understand wineries and how they differ from other businesses. We look at all of the risks this unique industry presents in our Winery Program, providing you with peace of mind so you can enjoy what you’ve sown.- Industry expertise
- Product and coverage’s unique to wineries
- Risk management services available
- Business interruption
- Equipment breakdown coverage
- Stock spoilage
- Product Recall expense
- Commercial signage
- Liquor liability
- Collapse of tank extension
- Damaged in process extension
- Vines, grapes & trellises
- & more available
- Savings if member of Wine Council or Wine Group
Sports Program:
Our Sports Program is unique as protection is needed for Coaches, Athletes, Directors, Organization & Volunteers in law suits that can arise from property damage to bodily injuries.- Exclusive market and product availability
- Includes participants coverage
- Accident coverage available
- D & O(directors and officers liability) coverage available
