Assurena Insurance Agency is an independent insurance brokerage agency that carries some of the best coverage options in the entire New USA.

Our Contacts

88 Centre Street North,
Toronto L4W 1C9
+1 (419)-507-0468
+1 (213)-345-0468

Working Hours

9.00 - 5.00
8.00 - 5.00
8.00 - 5.00
8.00 - 5.00
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Business owners Insurance

Business owners Insurance By Next Level Insurance .

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Business owners Insurance provided by Next Level Insurance .

Most businesses will need a business owner’s policy (BOP). A BOP combines business property, business liability and business income insurance in one policy.

17 years in business
100% customer satisfaction
3 knowledgeable advisors
60+ coverage options

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General liability Coverage

Risk Factors

There can be a possibility that a visitor gets injured or gets their property damaged in your business premises.

Every business, even if home-based, needs to have liability insurance.  The policy provides both defence and damages if you, your employees or your products or services cause or are alleged to have caused Bodily Injury or Property Damage to a third party.

Property Damage

Risk Factors

Your business property may get damaged by certain unexpected events like fire, explosion, hail, etc and cause you a great loss.


Properties covered by a business policy usually include buildings (owned or rented, additions or additions in progress and outdoor fixtures). The property insurance portion of a It is usually available as named-peril coverage, which provides coverage only for damage caused by events specifically listed in the policy (typically fire, explosion, wind damage, vandalism, smoke damage, etc.).

Business Owners Policy (BOP)

Risk Factors

A business owner would require to take various types of insurance coverages to cover each risks. This can cost him more if he/she  take it separately.


A business owner policy packages all required coverage a business owner would need. Often, BOPs will include business interruption insurance, property insurance, vehicle coverage, liability insurance, and crime insurance. Typically, a business owner will save money by choosing a BOP because the bundle of services often costs less than the total cost of all the individual coverage’s.

Cyber Liability

Risk Factors

Cyber-attack on your computers can be harmful and you would become liable for the losses & expenses incurred.


Get coverage for computer attacks and damage to electronic data and computer systems. Also offset the effects of your database being hacked or getting a virus.

Workers Compensation

Risk Factors

Your employees can get themselves injured while working in your office premises and you would be liable to pay for their medical expenses for the same.


This coverage provides insurance to employees who are injured on the job. This type of insurance provides wage replacement and medical benefits to those who are injured while working. In exchange for these benefits, the employee gives up his rights to sue his employer for the incident.

Errors & Omissions coverage

Risk Factors

There can be instances where your employee causes damage or loss to the business  due to their negligence.


Protect against client lawsuits for negligent acts, errors or omissions committed during business activities that result in a financial loss.

Directors & Officers coverage

Risk Factors

If a director or officer of your company, as a direct result of their actions on the job, finds him or herself in a legal situation, this type of insurance can cover costs or damages lost as a result of a lawsuit.


this type of insurance protects the directors and officers of a company against their actions that affect the profitability or operations of the company.

Commercial auto Coverage

Risk Factors

Your commercial auto can meet an accident while on road along with the goods and materials which can cause you a great loss.


This protects a company’s vehicles. You can protect vehicles that carry employees, products or equipment. With commercial auto insurance you can insure your work cars, SUVs, vans and trucks from damage and collisions

Business income Coverage

Risk Factors

If unexpected events cause a suspension in your business operations, you can suffer a loss in your business revenue.


This can help replace loss of income to help you meet your continuing financial obligations. These include important monthly benefits to employees such as payroll and any other financial payments that are due to them. This also includes essential payments like rent.

Do I need Business Owners insurance ?

Businesses need business insurance because it helps cover the costs associated with property damage and liability claims. Without business insurance, business owners may have to pay out-of-pocket for costly damages and legal claims against their company. Depending on the incident, this could be a financially devastating scenario for business owners. In some states, businesses are required to have specific types of business insurance.

Business owners Insurance policy will keep you protected if your company has

To understand how umbrella insurance can help, consider the following scenario. If a driver runs a red light and accidentally hits another car, there might be significant damage to the vehicle and several people might be injured.

With car repairs totaling $50,000 and the treatment of the injuries eclipsing $500,000, the driver at fault may be liable for expenses that go far beyond the coverage limits of their insurance. An umbrella insurance policy will pick up the additional liability costs beyond the limits of car insurance coverage.

Coverages Of Business owners Insurance
By Next Level Insurance .

Private customer data

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If someone steals or loses personally identifiable information, this can help pay expenses like notifying impacted clients and public relations.

Already Have Business owners Insurance? Switching is easy

It might be time to switch insurers whenever the service that your existing insurer provides doesn’t meet your needs. For example, if you have a poor claims experience or an unexplained rate increase, it might be time to consider other options

If you cancel a previous policy before a new policy is effective, you could run into some serious financial problems.

Contact us today to help you with multiple options to choose from.

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