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Policy & Coverage Options

 The Not-So-Average Professional Insurance

You're not an average professional.
Your insurance shouldn't be average either.

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The not-so-average professional insurance

You've invested your time, hard work, and passion, now invest in protecting your creation. Whether you're an artist selling crafts, a tech-savvy go-getter or a consultant doing it your way, uBiz has a solution for home-based businesses that works for you. Offering fast, easy coverage directly online, uBiz lets you slip into something more comfortable by providing insurance tailored specifically for you. Get the peace of mind of customizable, mix-and-match coverage for what you need and nothing more.

What you'll get in a time of need

Whats your passion?

At uBiz, we offer a range of simple, affordable insurance options designed especially for you:

We know time is money (well, not literally but they're connected), so we made it fast and easy to get a quote and then buy uBiz insurance online instantly! Plus you'll receive a Certificate of Insurance proving you have the right coverage.

Protect your passion

We offer customizable, just-what-you-need coverage with awesome features not currently offered for home-based businesses:

*The earliest time that your coverage will be effective is 12:01 a.m. of the day after you purchase your policy (i.e. If you buy a policy on Nov 1, 2015 at 4:00 pm, the earliest coverage can be effective is Nov 2, 2015).

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 How uBiz Home-Based Business Insurance Works

Get covered in 4 quick, easy steps:

Here's the rundown on how to get uBiz to protect your biz.

Step 1: Okay, time to pick and choose.

Review your insurance options of Commercial General Liability coverage amounts, adding on Contents coverage and learning more about the benefits of adding Legal Expense to your coverage.

Step 2: Select your province

We offer this unique home-business insurance in British Columbia, Alberta, Manitoba, Saskatchewan, and Ontario.

Step 3: Q&A time!

Just answer 7 easy questions and get your quote instantly. We love to help new businesses, so no worries if you're a start-up. We'll give you a quote based on your business instantly.

Step 4: You're almost there!

Complete your purchase with secure online credit card payment and you'll be insured!

Now You're Covered!

Congrats, you've taken a huge step in protecting your business. You'll receive your Insurance Certificate and policy documents by email almost immediately!

What you get in a time of need

 What's Covered Under Home-Based Business Insurance?

Ready to get your quote?

Protect you and your business from unexpected liabilities, costs and headaches.

Commercial General Liability (CGL) Coverage)

If you inadvertently cause injury to others or damage to their property (on or away from your premises), you can be held responsible. The Commercial General Liability insurance protects your business from legal action from a third party.

Pursuing opportunities through business risks

Often the smallest thing does the biggest damage. Liability insurance protects your business from the risks of liabilities imposed by lawsuits and other claims covered by your insurance policy.

You spill coffee on your client's high-tech conference system. A customer slips on the wet floor of your home-based hair salon. Or you lose your client's valuable documents.

If situations like these occur, uBiz Commercial General Liability Coverage gives you affordable protection you need to respond to defense, settlements and immediate medical expenses. Not to mention protecting the business you've worked so hard to build.

Why Commercial General Liability Coverage?

Accidents do happen, and your standard home insurance policy likely won't protect you in the event of a claim.

And if you sign a contract to provide a service or sell products at shows and events, you're likely required to show or have a Certificate of Insurance. No worries. uBiz will give you one digitally when you purchase your insurance.

Insurance designed for Canadian businesses

We created uBiz to provide the just-right amount of coverage for your business. Why overpay or get coverage you don't need? uBiz is a smart, affordable way to protect your business by selecting only what you need when you need it.

Legal Expense Insurance

Legal Expense Insurance covers all associated legal costs incurred by the business owner, including lawyer's fees, for all common legal situations.

The coverage, the whole coverage and nothing but the coverage

Legal expenses are a hassle, so our Legal Expense Insurance covers all associated legal fees (including lawyers' fees) for legal situations affecting you or your business.

uBiz covers the costs of legal defense if criminal charges are brought against you, property protection or tax protection yikes! if you're ever audited.

Peace of mind on the line

uBiz offers unlimited access to telephone legal advice on a variety of legal matters. For help. Peace of mind. Or just a good night's sleep.

So what's covered legally?

Home Office Contents Coverage

Home Office Contents protects your stuff. It provides a blanket limit coverage for damage or loss to your equipment and stock in your home office or temporarily away from your home office in the event of fire, theft, etc.

Protect the tools and other stuff of your trade

Whether it's your spiffy new computer or the hammer Uncle Mike gave you, your equipment is important to running your business.

If those items are used for commercial purposes or exceed certain limits in your home policy, they might not be covered, and replacing them could be a surprise your business doesn't need.

uBiz understands the loss of these items could stop you from servicing your clients. We'll help you repair or replace your business contents quickly, so you can get back to, taking care of business

What kind of stuff does Home Office Contents cover?

 uBiz Home-Based Business Insurance Press Release

Flexible Home-Based Business Insurance

My Insurance Broker now offers uBiz, a unique digital insurance solution that offers home-based professionals simple, flexible and affordable coverage. Unlike some insurance that is a rigid package, often including coverage that home-based businesses don't require, uBiz provides innovative, tailor-made, mix-and-match coverage for exactly what its customers need.

uBiz offers a range of features targeted exclusively at home-based businesses including flexible, unbundled insurance options, coverage for new ventures and start-ups, Certificates of Insurance as needed upon purchase, and the convenience of buying affordable insurance instantly online & an ideal solution for time- and cash-conscientious self-employed entrepreneurs.

We found home-based business owners often didn't cover themselves properly or they bought expensive coverage they didn't really need. As a result, we're proud to offer uBiz to offer them the flexibility to choose exactly what's right for their businesses. No extras, no overkill, just comprehensive products at affordable rates.

uBiz delivers a wide range of insurance coverage options for its home-base customers including Commercial General Liability, Home Office Contents insurance, Legal Expense insurance and more.

Professionals can now get fast, and convenient quotes, and even buy insurance online at our website ubiz.myinsurancebroker.com.

 Glossary of uBiz Terms

All that legal mumbo jumbo in one place

Bodily Injury and Property Damage

Suppose a visitor at a trade show trips on your display and twists an ankle (ouch!). They then sue your business for their injuries (again ouch!). Situations like this are the most common area to which Commercial General Liability policies respond.

Commercial General Liability

If you inadvertently cause injury to others or damage to their property (on or away from your premises), you can be held responsible. The Commercial General Liability insurance protects your business from legal action from a third party.

Commercial Legal Defense

Legal defense responds to allegations of a criminal charge or breach of privacy legislation, if you, your family or employees are charged criminally while carrying out their employment duties.

Commercial Property Protection

Property Protection responds if someone interferes with the enjoyment of your property, causes a nuisance or trespasses.

Commercial Tax Protection

Tax Protection responds if you or your business are audited (gasp!) by the Canadian Revenue Agency (CRA) or wish to appeal a CRA decision.

Computer Equipment

Computer equipment coverage insures both desktop and laptop computers.

Contents

Contents coverage includes both equipment (including office furniture and fixtures) and stock that's part of your business operation.

Equipment

We've got your office covered. Equipment coverage includes office furniture, office furnishings, office fittings, office fixtures, office machinery, office tools and appliances or similar property of others you're responsible for.

Home Office Contents

Home Office Contents protects your stuff. It provides a blanket limit coverage for damage or loss to your equipment and stock in your home office or temporarily away from your home office in the event of fire, theft, etc.

Legal Expense Insurance

Let's make it legal! Legal Expense Insurance covers all associated legal costs (including lawyers' fees) in the event the following legal situations.

Medical Payments - Each Accident

This coverage responds to third-party injuries as a result of accidents related to your business (it only needs to be a result of your business). If a client falls and chips a tooth at your home hair salon, this coverage lets you voluntarily provide coverage for the dental work needed.

Medical Payments - Each Person

This coverage responds to third-party injuries as a result of accidents related to your business (it only needs to be a result of your business). If a client falls and chips a tooth at your home hair salon, this coverage lets you voluntarily provide coverage for the dental work needed.

Personal and Advertising Injury Liability

This coverage responds to third-party claims where they've been harmed in a way other than bodily injury (i.e. liable, slander or infringement of copyright). For example, you make an unflattering comment about a competitor and their lawyer claims you've slandered his client.

Personal Legal Defense

Legal defense responds to allegations of a criminal charge or breach of privacy legislation, if you or your family are charged for criminally. Even if you or your family member receives a traffic ticket, coverage is available.

Personal Property Protection

Property Protection responds if someone interferes with the enjoyment of your property, causes a nuisance or trespasses.

Personal Tax Protection

Tax Protection responds if you or your business are audited (gasp!) by the Canadian Revenue Agency (CRA) or wish to appeal a CRA decision.

Property In Transit

Protection en route! Property in Transit provides coverage for your Contents and Computer Equipment while in transit.

Sales Representative

Sales Representative covers your Contents while temporarily at locations you don't own, rent or control or in transit with one of your sales representatives. It responds to loss or damage of Contents during a presentation at a client's office.

Stock

Stock coverage includes merchandise usual to your business including packing, wrapping and advertising materials and similar property of others you're responsible for.

Telephone Legal Advice Service

Get help on the line! Take advantage of unlimited access to general advice on legal matters, whether covered by your policy or not. Call as often as you wish to give yourself confidence and peace of mind in the event of a potential or in-progress legal situation.

Temporary Locations

Temporary Locations covers your Contents while temporarily at locations you don't own, rent or control. It would respond to loss or damage of Contents while on exhibit at a trade show.

Tenants Legal Liability

This section provides coverage to premises that you rent. If the exhibitor contract at a trade show makes you responsible for the space you're occupying, then Tenants Legal Liability would respond if you damaged that space.

uBiz

The best protection for your biz at the most affordable prices.