Business Insurance Having the right insurance is essential for a business to survive and thrive in a marketplace that is full of both opportunity and risk. Liability insurance for an organization, employees and/or volunteers helps protect the organization from financial risk. For a small business, finding and maintaining business insurance can be critical to survival.Canada’s business insurers work with representatives from the business community, the non-profit sector, insurance companies and governments to develop and implement practical solutions. Business Insurance Coverage Learn about the factors to consider when selecting coverage, deductibles and policy limits.Risk ManagementRisk awareness and mitigation activities can add up to a safer workplace, positive brand recognition and lower premiums. Business FraudFrom inside or outside your organization, criminals and fraudsters can severely damage your organization’s reputation and finances. Crisis ManagementMaintain and test your business continuity plan to ensure that your employees and volunteers are ready to respond to a crisis. Useful LinksHow To Buy InsuranceLearn how to purchase car, home and business insurance from private insurers.How Insurance WorksInsurers pool many premiums to pay for the home, car and business losses of a few Canadians. Understand how insurance works.How Premiums Are CalculatedWhen you make a claim, you draw funds from the insurance pool. Those who are unlikely to draw from the pool pay less than those who are more likely to draw from it.