Retailer, Contractor and Manufacturer Package Policies
Depending on the insurance, retail coverage can vary greatly from store to store. A smaller broker might have access to only a couple of the major carriers, but Noble Insurance deals with many. We can customize a package for your retail business, no matter what your size. Of course, by bundling various coverages, you save on premiums. And as you grow, you'll never need to look elsewhere because you suddenly no longer fit a particular insurance client profile. Noble will find the package that's right for every stage of your growing business, and you can count on continued, uninterrupted service.
Noble Insurance has years of experience providing packages for contractors of all sizes, even the large general contractors. But you don't need to be a big company to get solid coverage at a good price. Even if you're a small sub-contractor, you can count on everything you need. Coverage for rented, leased or borrowed equipment, a tool floater, which insures your valuable tools no matter where they're stored, and comprehensive general liability are all available at affordable premiums.
Special Events / Fairs / Festivals
Noble Insurance deals with K&K Insurance Canada. They focus exclusively on the sports, leisure and entertainment industries, and cover everything from small get-togethers to world-renowned events. No wonder their slogan is "Insuring the world's fun". Whether you're a local band renting a theatre for a performance, a group putting on a farm fair, or a major resort holding a festival, you can count on getting the coverage you need, including details others might miss at a very good premium.
Did you know?
In today's litigious climate, even holding a dinner party carries risks. A party-alcohol-liability policy is an economical way to ensure you can relax and enjoy your party.
Hospitality
Noble Insurance provides coverage for clients in the food and beverage industry with anywhere from zero liquor receipts to 100 percent liquor receipts. Nightclubs and restaurants whose receipts exceed 30 percent liquor sales appreciate the way we can source a company that will cover their needs.
Professional Liability
Noble Insurance provides a full range of Errors and Omissions liability coverage for every class of business. We deal with a large number of reputable insurers, so we will only source a package for those difficult classes not every company will insure, and we will shop around for the best premium possible.
Public entity insurance
Municipalities, hospitals and other public entities trust Noble Insurance because we have the experience and expertise. We can sit down with council or a board of directors and clearly explain the coverages needed and determine what's available in a particular situation. For years, we've helped public entities obtain the right coverage, and our knowledge of provincial and federal legislation, as well as our understanding of provincial standards, has proved invaluable. Municipalities, for example, often call on our expertise to assist in reviewing contracts and policies regarding risk management.
New and used automobile dealer coverage
In the auto dealer business, making sure you're covered is often more complicated than it might seem. Noble Insurance can provide a solution for even the most complex needs, including dealers selling vehicles, boats or offroad vehicles. We have even been retained as the broker of record for a dealer covered by a national program - who calls on our expertise to ensure the coverage is as thorough as it should be.
Environmental impairment coverage
The cost of an environmental claim can be staggering. By law, all environmental claims must be reported to the Ministry of the Environment, and the process is often long and expensive. If your business has environmental exposure of any kind (and a surprising number of businesses do), you owe it to yourself to explore the options available. We can work with you to identify your exposures, clearly explain what costs you might face in case of a problem, and determine what type of policy would be suitable- based on the balance between your exposures and the cost of coverage.
Patent infringement insurance
If you've developed a new product or have introduced a notable innovation, you could be a target for a patent infringement action. Do you have the resources to defend such an action? With patent infringement insurance you do. Many entrepreneurs find that this brings welcome peace of mind, particularly in the early stages of a product's introduction
Employment Practices Liability
If an employee makes an allegation that brings you before a Human Rights Tribunal, you immediately face substantial legal costs. With this coverage, you're protected. It will pay the legal expenses related to defending an action arising from an allegation of abuse by an employee. Depending on the policy, it may also pay the legal expenses arising from a wrongful dismissal claim.
Due to recent innovations, even small companies employing a few people can protect themselves from these costs. Beyond the coverage, your employment practices liability package also includes templates to allow you to quickly publish policies and develop an employee manual.
Special program for owners of storage facilities
Noble provides a package specifically developed for your business. A simple online tool allows you to offer coverage to your customers for their stored goods.
Specialized CCA-endorsed program for carwash owners
Noble is the broker providing this specially designed coverage in the territory bounded by Owen Sound, Bracebridge and Newmarket.
Surety Bonding
We've helped some of the largest contractors in the region successfully secure major contracts by lending our experience to the surety bonding application process. We can help take a load off your shoulders and make sure you're well positioned for those major projects.
Commercial Automobile and Fleets
Non - Profit Organization Programs
Numerous churches, charities, service clubs and other non-profit groups and organizations have trusted us for years. Our experience dealing with different types of groups and numerous insurance providers means we can determine exactly what your group needs and obtain the best coverage for the best price.
Directors and Officers Liability
Directors and Officers liability for Profit and Not for Profit entities is one of the most discussed products in both the insurance and business communities. Why? The key factor is the overwhelming personal liabilities imposed under numerous Federal and Provincial statues. As a Director of an organization your personal assets are on the line with every board decision you make.
Directors and Officers liability will provide the protection you need for both the assets of the corporation and the individual from civil actions for wrongful acts. A "wrongful act" is defined as a negligent act, error, omission, misstatement, misleading statement or breach of duty. These policies vary from insurer to insurer. It is important that you discuss this coverage with a knowledgeable Noble Insurance professional.
Condominium Corporations
We've developed a special program for condominium corporations which not only provides the comprehensive coverages demanded by the Condominium Act, but delivers it at an exceptional price. We've helped insure hundreds of condominium corporations, and we bring this expertise to the table along with strong relationships with the few Insurance companies able to provide this coverage.