Protecting Your Balance Sheet.
Business in Alberta moves fast. Whether you are in the patch, on the job site, or running a storefront, you need a broker who understands contracts, liability, and speed.
Get a Commercial QuoteIndustries We Serve
We don't do "one-size-fits-all." We build custom packages based on your specific risk profile.
Contractors & Trades
From Welders to General Contractors. We handle your CGL (Liability), Tools, and Course of Construction (COC). Need a Certificate of Insurance to get on site? We issue them same-day.
Transportation & Fleet
Single units or fleets of 50+. We cover long-haul, oilfield services, and cargo. We help you manage your driver abstracts and safety protocols to keep premiums stable.
Realty & Property
Commercial Landlords, Condo Corporations, and Office Buildings. We ensure your Rental Income is protected if a fire forces your tenants out for 12 months.
Retail & Hospitality
Main street shops, restaurants, and salons. We protect your inventory, glass, and "Slip & Fall" liability exposure.
Professional Services
Consultants, Engineers, and Accountants. We provide Errors & Omissions (E&O) coverage to protect you from lawsuits alleging professional negligence.
Cyber Liability
The new essential. If you store client data or take credit cards, you are a target. Cyber insurance covers ransomware payments, data restoration, and legal notification costs.
The "Instant Quote" Risk
Buying business insurance online is dangerous. Algorithms don't read commercial leases, and they definitely don't understand the Co-Insurance Clause.
If your business is undervalued on your policy, the insurer can slap you with a Co-Insurance Penalty, paying only cents on the dollar for your claim. We do the math to make sure that never happens.
| Topic | Online / Direct | McDonald Agencies |
|---|---|---|
| Certificates (COI) | 3-5 Day Wait | Same Day / Rush |
| Contract Review | No Advice Given | We check lease insurance requirements |
| Claims | 1-800 Call Centre | Local Broker Advocacy |
| Business Interruption | Generic Limits | Calculated on your gross profits |
BROKER INSIGHT: Business Interruption
Most businesses that suffer a major fire never reopen. Why? Because they insured their building, but not their cash flow.
Business Interruption Insurance pays your fixed expenses (payroll, loans, rent) and your lost profit while you are rebuilding. It is the difference between bankruptcy and survival. We include this conversation in every commercial review.
Let's Talk Business.
Send us your current policy for a no-obligation review. We will highlight the gaps, check the pricing, and give you an honest second opinion.
Start a Review
Or call us at (403) 335-3442