Business Insurance for Professional Services

Whether you’re an accountant, a doctor, a graphic designer or a hair stylist, we’ll take care of you and your workspace so you can focus on taking care of your clients.

Who is this coverage for?

AMA Business Insurance for Professional Services is perfect for a variety of fields that offer expertise to their clients, such as:

  • Medical Professionals
  • Lawyers
  • Accountants
  • Consultants
  • Bookkeeping Services
  • Interior Designers
  • Graphic Designers
  • Architects
  • Photographer
  • Kennel
  • Engineers
  • Veterinarians
  • Barbershops and Beauty Salons

What’s included in my coverage?

All AMA Business Insurance for Professional Services packages include the following coverages:

Property Coverage

  • Commercial Building and Contents – This is what you’re here for. This is the primary property coverage for your business, protecting your building, equipment and stock. In addition to basic protection, we’ve put together a package to take care of the specifics for your business. .
  • Enhanced Water Endorsement< – We all know the damage a spring thaw or summer storm in Alberta can do. This coverage insures you against water damage to your building, stock and equipment caused by a sewer backing up or by flooding caused by heavy rainfall, spring melting or a river or lake overflowing.
  • Valuable Papers and Records – If your files are damaged as a result of a loss (fire, flood, theft, etc.), this coverage pays for the work that goes into reproducing them.
  • Contents at Newly Acquired Locations – If you open a new location and don’t get around to telling us right away, we’ll still cover your stuff at your new spot for up to 60 days.

Liability Coverage

  • Commercial General Liability – Alongside your commercial building and contents protection, this is the big one you need to protect your business if something goes wrong and you’re found responsible. This liability coverage provides insurance when you’re legally obligated to pay for injury and damage to others or their property. AMA will cover you for bodily injury, property damage, personal and advertising injury, medical expense payments and tenant’s legal liability. It’s important to note that this is not the same coverage as professional liability, which covers the actual work you do and needs to be carried elsewhere.

Crime Coverage

  • This one’s pretty straightforward: it protects you against losses caused by theft, robbery, employee dishonesty or counterfeiting.

Business Interruption Coverage

  • If the worst happens and you suffer a loss that forces you to close the business while you recover, this coverage will replace the lost income. Every Business Insurance package comes with a number of other coverages and safeguards in addition to those listed above. For full details, speak to one of our Business Insurance Advisors.

What other coverages are available?

What’s listed above are just some of the standard coverages included in our Business Insurance for Professional Services package. We know that every business is unique, and sometimes you’ll need to add coverage to fit your needs when you’re on the job. That’s why we offer additional coverages that you can add on, including the following:

  • Miscellaneous Property Form — This coverage protects your property when it’s on the move. If you’re constantly taking your tools from job to job, this is what you need to cover it when it’s away from your work space or office.
  • Barbershop and Beauty Parlour Liability Extension – This coverage allows for professional liability coverage for barbershops and beauty salons, so if there’s, say, an incident involving a pair of scissors and a customer’s ear, you’ll have some protection.

Ready to get down to business?

Give our agents a shout at 1-800-615-5897 and they'll be happy to give you a quick, no obligation quote. Or, you can visit us in centre - we love to mingle with our favorite business owners!