Commercial Liability

From product defects and failures to property damage, bodily injury, and personal injury, Wynward’s General Liability coverage provides businesses with flexibility and custom options for today’s unique business risks. Policyholders can be prepared for unforeseen legal defense costs, settlements, and judgments arising from unforeseen claims resulting from their own behavior, that of their employees, or their products and services.

Errors and Omissions (E&O) Liability coverage provides protection beyond the scope of general liability and is essential for businesses that provide professional services or advice. With Wynward's E&O coverage, business owners can focus on providing high-quality products and services, with the comfort of knowing they have coverage if something goes wrong.

Wynward can provide flexible and customizable policy structures and compensation for financial loss and bodily injury. We have expertise with national associations and an appetite for more than just the traditional “professional” careers to reflect the high standard placed on all businesses today.

Wynward’s Directors and Officers (D&O) Liability insurance is crucial for non-profit organizations and condominium corporations to protect their directors and officers from financial losses and damages from wrongful act allegations and lawsuits, ensuring those leaders can continue to serve the organization without fear of personal liability.

With various limit options, Wrongful Dismissal included, and Unlimited Prior Acts coverage availability, Wynward’s coverage options can be tailored to specific needs and risks. An Extended Reporting Period is also available.

Umbrella coverage provides peace of mind protection above primary liability insurance policies and offers the convenience of one policy to provide higher limits over multiple lines of coverage.

Wynward’s Umbrella ‘drops down’ to fill in gaps where the underlying primary liability is not as broad. It also ‘steps down’ over limited coverage amounts provided in the underlying policy.

Coverage features include Occurrence Form policy, a worldwide coverage territory, a broadened definition of “personal injury” to include discrimination and humiliation, and a broadened definition of “bodily injury” to include mental anguish. Wynward’s Umbrella Liability is available for a wide range of businesses of all sizes.

Crime can happen to anyone, anywhere, at any time. Wynward’s commercial crime insurance is the security guard businesses need to protect from monetary loss due to fraud, theft, and other criminal acts. Our coverage is the ultimate line of defense against those who want to steal profits.

With the increasing reliance on technology and digital data storage, the risk of cybercrime has become a major concern for businesses of all sizes. Rely on Wynward's Cyber coverage for cutting-edge protection against cyber breaches in this rapidly evolving landscape.

Our partnership with a global expert ensures a dedicated Breach Response Team is available in the event of a cyber breach and expert advice is in place to help protect against cyber breaches before they even occur.

Wynward’s Cyber coverage includes liability, property, and breach response expenses which have been designed to provide broad cyber security for Canadian businesses. Features include but are not limited to Payment Card Industry fines, Legal services, public relations, crisis management expenses, and much much more!