A single hacked email. A malware-laced invoice. That’s all it takes to cost a small or medium-sized business thousands of dollars or bring your operations to a standstill.

Making the change to the self-employed life comes with plenty of perks– however, in many cases, it also means saying goodbye to the sweet insurance coverage plan your last company offered, leading you to wonder.

Can I get disability insurance if I am self-employed?

The good news is that you can replace your last policy and purchase a disability insurance plan to cover yourself if something were to ever happen. Better yet, you can get a plan that meets your individual needs even better than your previous company’s umbrella policy. Because we ALWAYS recommend having this type of coverage– especially if you work for yourself.

Interested in learning more about how disability insurance can help you? Keep reading to learn more about what coverage options exist and how to start the path of getting your own policy today.

Prefer to skip the reading and jump right to getting a quote? Let’s look at getting you covered today!

Navigating a new business can be confusing and stressful! And if you own a cleaning company– whether you’re a sole proprietor or have employees– in Manitoba, you may have felt lost while trying to navigate the question of, what insurance does a cleaning company need?

First off, let’s start by saying we always recommend protecting yourself, your workers, and your business with insurance. Not having coverage means claims and business losses will hit your personal checking account. While there are all kinds of add-ons and personalizations you can make to your policy, we recommend getting a policy with Commercial General Liability, Professional Liability, and Tools and Equipment Insurance coverage.

In this article, we dive into what these policies can do for you, some common claims cleaning companies face, and answer some burning questions we often get asked.

Prefer to skip the reading and jump right to getting a personalized quote? Let’s chat today and get you covered!

Getting health insurance is a great idea for your small Manitoba business! It can make you a more desirable company to work for, attract the high-caliber employees you need, and even improve company morale. Whether your small business has two employees or 1000, this post will help you nail down the group health insurance that’s right for you.

As much rest and relaxation massage therapists offer to others, being a massage therapist itself can be stressful! Especially when you’re trying to figure out all aspects of your business—including insurance—by yourself. This can lead you to feel lost and wonder, what insurance do massage therapists even need in Manitoba?

Don’t worry–we’re here to help!

Professional Liability Insurance for Massage Therapists (also known as Massage Malpractice insurance) as well as Commercial General Liability Insurance (business insurance) are required for all practicing RMTs in Manitoba and across Canada. But unless you’re employed by a spa or clinic, you’ll have to acquire that coverage yourself. And if you haven’t done that before, it can feel overwhelming.

So in this post, we’ll walk you through it from start to finish. First, we’ll dive into the most common insurance claims made against RMTs, then explain the types of insurance you need to protect yourself against them. Then, we’ll answer the most commonly asked questions massage therapists ask us about insurance. And show you what your next steps should be.

Prefer to skip the reading and speak to an Insurance Consultant one-on-one? Reach out to us.

In 2024, cyber threats are more prevalent and sophisticated than ever, making cyber liability insurance an essential safeguard for businesses of all kinds and sizes.

Whether you’re new to the trucking business or have been in it for a while, ensuring you are equipped with the right protection is one of the best things you can do. But exactly what coverage you need and whether you, as a trucker, need general liability coverage can be hard to navigate. Don’t worry; we’re here to help!

As a truck driver, you need general liability insurance to help ensure you comply with the Motor Carrier Division. Plus, it’s a way to protect yourself against unforeseen accidents where you’re found to be at fault.

Additionally, if you’re not already covered with commercial auto insurance, you’ll most likely want to at least consider it. There’s a good chance your current auto policy doesn’t offer enough protection for your needs.

Working from home definitely has its perks. No commute, no packed lunches, and who doesn’t love being their own boss! But, it’s not all comfy clothes and flexible hours. Especially if you’re lacking proper insurance, running a home-based business brings some risks with it, too.

If you run a home-based business in Manitoba, there are a few different business insurance options available to you. We’ve outlined all of your choices below, giving you an in-depth look at each one, so that you can make an informed decision.

If you’re a Manitoba small business owner, you may have, or currently be, considering adding a group health insurance program for your employees.

Group health insurance plans benefit everyone. Not only does it help take care of your team, but it also makes your business more appealing to current and future employees. Bonus! Group insurance is often more affordable than individual insurance plans. Making it even more appealing to everyone involved.

In this post, we explore what a group health plan is, what it typically costs, and look at important considerations and some typical questions we get asked.

Have a list of questions you’re dying to ask? Contact us today! We’ll help you run through your list so that you can feel confident before you take this next big step for your business.

Owning a business is not for the faint of heart! It brings flexibility, freedom, excitement, and pride. It also brings a lot of stress. Thankfully, by protecting your company from costly, unexpected circumstances, Business Interruption Insurance keeps stress to a minimum and keeps your business running smoothly — no matter what life throws your way.