Commercial insurance
Commercial Insurance for Alberta Businesses
Seven lines of coverage, one broker, and a conversation that starts with how your business runs rather than which package it fits into.
- Trucking and transportation
- Contractors and construction
- Commercial property and landlords
- Liability, business, benefits and life
Mansher Waraich · Commercial Insurance Broker
Sonic Insurance · Serving Alberta, Canada
Commercial insurance is a set of decisions, not a product on a shelf. Two businesses of the same size in the same industry can need very different programs because of what they own, who they work for and what their contracts demand.
Each of the pages below explains what the coverage is built to do, what insurers will ask about and where businesses most often find gaps. Start with the one that matches your operation — or call and we will work it out in a few minutes.
Coverage
Every line I place
Commercial property and casualty is placed through Sonic Insurance. Life and living benefits are arranged through MSW Financial.
Trucking Insurance
Coverage built around how your trucks actually run — for owner operators, growing fleets and for-hire carriers across Alberta.
Get a Trucking Insurance QuoteContractor Insurance
Liability, tools, equipment and project coverage for Alberta trades, general contractors and construction businesses — arranged so the paperwork never holds up the job.
Get Contractor Insurance QuoteCommercial Property Insurance
Buildings, contents, equipment and business interruption coverage for Alberta property owners, landlords and owner-occupied businesses.
Get a Commercial Property QuoteCGL Insurance
The liability coverage Alberta businesses are asked for by name — by general contractors, landlords, municipalities and clients.
Get a CGL QuoteBusiness Insurance
One conversation, one broker, and a program assembled around how your business actually operates — not a package chosen off a shelf.
Discuss Your Business InsuranceHealth & Dental Insurance
Group health and dental benefits for small and mid-sized Alberta employers — and coverage options for owners who do not have a plan of their own.
Explore Health & Dental CoverageLife Insurance
Personal and business life insurance — handled through MSW Financial, my life and living benefits practice.
Get a Life Insurance QuoteDisability Insurance
If your income depends on your ability to work, disability insurance is what replaces part of it when illness or injury stops you. Independent advice for Albertans, from a licensed broker.
Get a Disability Insurance QuoteIndustry focus
Where most of my work sits
Trucking & Transportation
Owner operators, for-hire carriers and fleets — liability, cargo, physical damage and the unit and driver changes that have to keep pace with the business.
Learn moreContractors & Construction
General contractors, trades and subcontractors — CGL, completed operations, tools and equipment, builder's risk, and certificates that satisfy the contract.
Learn moreCommercial Property
Landlords, investors and owner-occupied businesses — building, contents, equipment, business interruption and the hail and water exposures Alberta is known for.
Learn moreSmall & Medium Businesses
Retail, restaurants, service businesses, manufacturers and distributors that need a program assembled around real operations.
Learn moreHow it works
Three steps, no runaround
- 1
Tell me about your business
What you do, what you own, who works for you and what your contracts require. Five minutes on the phone or a form — whichever you prefer.
- 2
Review your insurance options
I take the file to the markets that fit and come back with what is available, what it covers and where the differences actually matter.
- 3
Choose the coverage that fits
You decide with the wording in front of you. Once it is bound, certificates and changes go through me directly.
Start here
Request a commercial insurance quote
Pick the coverage closest to what you need — if it is not obvious, choose the closest and tell me the rest in the message.
FAQ
Common questions
What counts as commercial insurance?
Broadly, any insurance a business buys to protect its operations, its assets, its people and its legal liability — as distinct from personal insurance on a home or private vehicle. In practice that means liability, property, commercial auto, equipment, and the specialty lines a particular industry needs.
Which coverages does my business actually need?
It depends on what the business does, what it owns, who works in it and what its contracts require. Most programs start with commercial general liability and property, then add commercial auto, equipment and specialty lines. The useful exercise is identifying what would genuinely hurt, then deciding what to transfer to an insurer.
Can you review a policy I already have?
Yes, and it costs nothing. Send the policy and I will go through what it covers, where the gaps are and whether it is worth taking to market. Sixty days before renewal is the ideal time.
Do you work with businesses outside Edmonton?
Yes — across Alberta. Meetings happen on site where that makes sense, and by phone or online where it does not.
Let's talk about your commercial insurance
Tell me what the business does and what is coming up. If a certificate or a renewal is driving the timeline, say so — it changes how I work the file.