Commercial Insurance

Are you a business owner? We can insure your business according to applicable standards. Our brokers discuss with you, analyze your requirements, recommend specific covers for your needs and essential protections. We serve all types of businesses, whether local, national or international: we have all types of insurance.

Select your business type

Construction

Our professional staff is expert in the field, specialized general entrepreneurs, construction insurance or ‘wrap up’, our brokers will advise you and recommend what is best, with a fast service performed by competent personnel.

commercial construction

Retail Trade

Whether you operate a single location operation store or a national franchise chain, our professional staff is expert in the field, they will advise you and recommend what is best, with a fast service performed by competent personnel.

retail insurance

Real Estate

Our professional staff is expert in the field, whether it is a building with residential or commercial income, seniors residence or even a large property portfolio, our brokers will advise you and recommend what is best, with a fast service performed by competent personnel.

real estate insurance

Transport

The transportation industry has become extremely competitive with high expectations, you operate a small, medium or a large fleet? We offer unique coverage to the industry, auto liability, auto physical dame, cargo insurance, garage auto or short term rental coverage. Our professional staff is expert in the field, they will advise you and recommend what is best, with a fast service performed by competent personnel.

transport insurance

Manufacturers, distributors, or wholesalers

Every product you manufacture, distribute or sell represents you and your company. Once that products is in consumer’s hand, you can’t control how they use it but that doesn’t mean you can’t be held liable. We are expert in the field, our brokers will advise you and recommend what is best, with a fast service performed by competent personnel.

commercial manufacturing

General liability

You operate a business? From the smallest shop around the corner to large multinational companies, general liability coverage is at the base of every insurance contract. Let our professional staff explain to you the importance to protect your business. Our brokers will advise you and recommend what is best, with a fast service performed by competent personnel.

liability insurance

Bonds

Bonds provides financial protection primarily for a project’s owner, in the event of particular types of non-performance. The three most common forms of bonds on a construction project are the bid bond, performance bond and labor and material bond. It’s a delicate field but our professional staff is expert in the field, they will advise you and recommend what is best, with a fast service performed by competent personnel.

commercial bond

Technology & Communications

Our team of professionals is expert in the field, whether you are a computer consultant, a supplier connected to technology services or any other type of business in the field of information technology, our brokers will advise you and recommend what is best, with a fast service performed by competent personnel.

commercial technology

Hospitality Trade

The hospitality industry is extremely varied – from small boutique hotels to large chains, nightclubs, bars, cabarets and restaurants. Although every type of hospitality business is different, they all need specialized and tailored coverage, our professional staff is expert in the field, they will advise you and recommend what is best, with a fast service performed by competent personnel.

commercial hotel

Administrators’ civil liability, errors & omissions

Protecting against law suits for the service you provide, but we know mistakes happen. When inadvertent mistakes are made, it can bring a long standing business to its knees. Our professional staff is expert in the field, they will advise you and recommend what is best, with a fast service performed by competent personnel.

commercial administrateur

Ocean Marine Insurance

LMBF has had its own marine managers and underwriting division for over 40 years. This allows us the flexibility to offer a tailored coverage to our clients’ needs at very competitive pricing.

Contact us to insure your imports or exports, regardless of the continent of origin and the means of transport (sea, air, or land).

Coverage

Coverage is against physical loss or damage to international air and sea cargo. The basic policy form could be generally extended to cover temporary storage, inland transit, war risk, strikes, riots and civil commotions.

Coverage for Ongoing Shipments

The option to insure your goods under an ongoing contract known as an “open cargo policy”. This type of policy is personalized for clients who have a regular turnover of merchandises in Transit. The policy will cover all transits that come within the scope of the insurance. Premiums are charged monthly or annually. The main advantage of this type of coverage is that the customer does not need to advise us for each shipment separately to confirm coverage. Instead, they declare shipments for a set period of time and we adjust at year end. The policy is generally written on a wide basis to cover all goods and merchandise usual to the operation of the Insured. The Insured must present the Insurer with all the particular details of their business, including the nature of their goods, limits per conveyance, origin of voyage and final destinations.

LMBF welcomes you in contacting us to review your business’ needs. For a quote or for more information, don’t hesitate to contact us or fill in the online form.

Jewellers Insurance

With over 40 years of experience, LMBF has successfully established a distinct reputation as a commercial insurance broker specialized in the jewellery trade.

We provide several coverage plans for your company:

The Jewellers Block is a Comprehensive Policy covering:

  • Your jewellery stock
  • Jewellery that belongs to a customer who does not work in the jewellery industry (for example, when jewellery has been brought back for repairs)
  • Property of others, within the jewellery industry, that has been delivered or entrusted to you (often referred to as “memo goods”)
  • Jewellery worn by you or employees while away from your business up until the off-premise limits listed in your contract
  • Buildings
  • Business’ personal property such as furniture, fixtures, and tenant improvements
  • Equipment break-down
  • Loss of income when your business is interrupted by loss or damage (caused by covered peril but excluding theft) to real or personal property
  • Employee dishonesty
  • Commercial liability coverage for:
    • Body and property damage
    • Medical payments
    • Products and completed works
    • Fire legal liability
    • Ear piercing liability

Business Owners Policy Coverage includes:

Other policy coverage is also available:

  • Commercial insurance policy (excluding theft)
  • Commercial insurance policy with partial coverage on theft

For additional information or to obtain a quote, feel free to communicate with our experts by calling us or by completing our online form.