Commercial Insurance.

Own your own business? Whether it’s just you, working from home, dozens of employees with multiple locations, or something in between, we have the right commercial insurance policy for your operation. And each commercial insurance policy can be as unique as the business it insures. Purchasing the right policy is vital to the success and security of every business. It can provide coverage for the advice you give to your clients, as well as your business tools, inventory and commercial buildings.

HWC Insurance can provide sound insurance advice by tailoring an insurance policy to suit your needs and the needs of your business. When our experienced insurance brokers put together the right insurance package for you, you can concentrate on running your business.

Check out our pages below for more insurance information about a variety of commercial insurance options.

Choose Your Industry


Personalized coverage for your tools, projects and liability based on your needs. Read More


Customized farm packages to cover your operation, equipment, crops, and buildings. Read More


Coverage for non-owned vehicles in your care, custody and control as well as your licenced mechanics Read More


Coverage for your property damage, bodily injury, tenant’s legal liability, Non-owned automobile and medical payments. Packages with and without aggregate limits. Read More


Coverage to manufacturers for a variety of products including perishable products as well as equipment breakdown and Actual Loss Sustained coverage. Read More

Retail / Office

Coverage for your business for office equipment, crime, employee dishonesty, liability and stock. Read More

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I need a certificate of insurance and my broker is asking for an agreement. Should I provide the agreement to the broker?

Yes. The agreement will describe the work that is to be done. By providing this, your broker will be able to confirm if your policy will cover this work. If not, your broker can advise you accordingly. As well, the agreement will specify what insurance coverages are needed in order for you to fulfill your end of the contract.

What is Tenants Legal Liability?

It is a coverage under the liability section of your commercial general liability policy that provides coverage for loss or damage caused to the rented property.

Why do I need to keep inventory of my tools and equipment?

We recommend keeping an up to date inventory list of your tools and equipment so that if a loss should occur, you'll be able to provide your claims adjuster with the exact information of what was lost.

I’m a Hairstylist, does my Commercial General Liability policy cover me as a professional?

No! You will need professional liability coverage to respond if a loss should occur while working in your profession.

Do I need cyber coverage for my business?

Yes! Any business who stores client data of any sort should have cyber coverage in place