Commercial Insurance

Home-Based Businesses

One of the fastest growing markets today is the home-based business. Residential policies do not provide coverage for businesses operating from home. We offer home office insurance extensions to eligible business classifications to bridge the gap between your residential policy and the needs of your small, commercial business.

Course of Construction

From large, commercial building projects to your vacation cottage, construction insurance is available to you. Make sure you are covered and begin your course of construction policy before the foundation is poured.

Whether your construction project is a “spec” home, intended to be sold, or will become your primary residence, we have markets available to provide you with coverage.

Farms/Orchards/Specialty Livestock

Whether yours is a small, one-acre hobby farm or a larger commercial farm, we have several markets available to you. Also available are markets to insure your specialty livestock including ostriches and emus.

Commercial Property & Liability

We represent several large, reputable commercial insurers who can place coverage on a wide variety of commercial exposures. Your commercial risk is safe with our experienced team of commercial insurance producers.

Commercial General Liability provides coverage to a business for bodily injury, personal injury, and property damage caused by the business’ operations, products, or injury that occurs on the business’ premises and operations away from their premises. Commercial general liability, or CGL, is considered comprehensive business insurance, though it does not cover all risks that a business may face.

Commercial Property Insurance is used to cover any type of commercial property. Commercial property insurance protects contents, stock and/or equipment from such perils as fire, theft and natural disaster. This type of insurance is carried by a variety of businesses, including manufacturers, retailers, service-oriented businesses and not-for-profit organizations.

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Wineries

Winemaking insurance is specifically designed to protect British Columbia vintners throughout the entire winemaking process from grape growing to market-ready, bottled product.

All risk replacement cost coverage includes buildings, stock, equipment, and contractors / farming equipment. Irrigation systems, boilers, and machinery are all items addressed in this package.

Additionally, commercial liability, business interruption coverage, as well as products and completed operations liability (including shipping damages and bottling procedures) are included in our basic policy.

We are pleased to offer an excellent insurance package policy at a very competitive rate.

Auto Dealers Coverage and Protection Program (CAP)

Our CAP program is designed to address the unique auto dealer’s insurance needs of your automobile, truck, and RV dealership. Its broad coverage takes into consideration the day-to-day operations of an automobile dealership.

All risk replacement cost coverage protects buildings, including glass and signage, equipment and parts stock, valuable papers and computers, as well as employee tools.

Also included in the basic policy are liability coverage, directors, officers, and key person insurance, as well as business interruption and pollution crime protection. Expert claim handling and risk management are also part of our services at very competitive package rates.

Golf Courses

Our golf insurance package is designed to provide protection for golf course operators in British Columbia. Protect your golf resort, clubhouse, bar, and convention centre under one insurance policy.

All risk replacement cost coverage protects your buildings, stock, equipment, contractors equipment, and irrigation systems. Also included in the basic package are provisions for liability, mechanical breakdown, and business interruption. If opening is delayed, the greens and fairways coverage protects against loss of income.

Creston Valley Insurance Services has been committed to the Kootenays since 1964. Contact us today for the personalized service you should expect.