Did You Know?
Vista can insure you collector cars with Hagerty Canada, the leading insurance provider for collector cars.
Commercial Insurance
Products
Products
*Vista has customized programs with specific coverages designed just for these businesses. For more information ask one of our program experts!  |
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Wholesalers & Distributors:
In today’s market place Wholesalers and Distributors more often than not import manufactured products from overseas. As a result, they have a much greater product liability exposure. From an insurance prospective, the importer becomes the manufacturer because of the difficulties pursuing litigation outside of North America presents. Vista has special insurance programs designed specifically for the unique needs of Wholesalers and Distributors that include coverage such as; Product Liability, Product Recall, Vendors Liability, Brands and Labels. Please contact us for more information.
Woodworkers:
Vista is proud to offer Aviva’s Prime Wood; a unique all-in-one protection package designed especially to meet the specific needs of manufacturers of wooden products. Prime Wood has some of the broadest coverages in the insurance market today for a wide variety of manufacturers of wooden products such as furniture, cabinets, doors and windows, countertops, toys, containers, and constructions components such as stairs and roof trusses and for general mill work.
Manufacturing:
Vista offers specialized insurance programs for metal workers as well as other manufacturing operations. Customized coverage that are unique to your needs such as Product Recall, Failure to Manufacture to Specifications, Transit Including Loading and Unloading, Replacement Cost on dies, moulds and patterns and much, much more Garden Centres & Nurseries Insurance Program:
Vista knows a lot about the Garden Centre business, our roots in the industry go back 3 generations! We understand that Garden Centres are family businesses that are a unique cross between a retailer and a grower. Our expertise means that we can provide a comprehensive insurance program tailored to your specific needs; one family business to another!Some of the coverages include:
- Glass Breakage
- Collapse by Snow-load
- Loss of Business Income
- Peak Seasonal Increases to Stock
- Peak Seasonal Increases to Crime Coverages
- Consequential Damage to Live Goods
Information Technology:
Risks for IT consultants are continually increasing. Many small to medium sized companies are relying more on outside sources for IT support as networks and software have become too sophisticated for the average user. Vista offers a specialized insurance program through Creechurch International Underwriters for small to large IT firms. The TEKPAC IT ant TEKPACPlus Packages include coverage for Property, General Liability and Professional Liability for firms that provide computer consulting, software development (packaged or customized), system design or integration, and value-added reselling or web site development services with revenues up to $200,000 for as little as $1,900.00 per year!
For larger IT firms or firms that require a greater selection of coverages and limits Creechurch International Underwriters offers, through Vista Insurance, Information Technology Liability and MediaTech Liability; a single integrated policy form provides broad coverage for technology and business services companies including Professional and Information Technology Services, Technology Products, Network Security and Multimedia and Advertising. Liability limits are available in both Canadian and US currency. Please contact us for more information.
Programs available for:- Consulting and training
- Implementation and integration
- Design and analysis
- Software development
- Data processing
- Hardware/Software resellers
- Website development and hosting
- Networking
- Design, analysis, installation and support servicers
Realty:
Building owners will soon be facing substantial increases in their Building insurance and Liability premiums. The claims experience in this sector has not been good over the past few years; as a result, insurance rates are on the rise. If your properties are well maintained and have been claims free in the past three years we have insurers who can offer discounted rates for responsible building owners like you. Please contact us for more information.Directors & Officers Liability Insurance:
If you are a Director of a “non-profit” or “for-profit” organization, whether you are paid or volunteer, then you need to be aware of the need for Directors & Officers Liability insurance to protect your personal assets.
Many private companies, such as small to medium family owned businesses, feel that they don’t need Directors & Officers Liability insurance. However, new governance standards, a changing legal environment and changing economic times have created new risks for private companies. Directors & Officers can be personally named and held liable in law suits stemming from the company’s employment practices, the Human Rights Commission and Ontario Labour Board and the Employment Standards Act. You don’t have to be guilty or at fault to be sued. Directors & Officers Liability includes the cost of defense.
Employment Practices Liability
Vista has observed a growing area of concern for small businesses in Canada is Employment Practices Liability or EPL. A decision by a court or an administrative tribunal could result in significant payments by employers. In some cases, senior management is facing personal liability for these exposures even if their company is insolvent.
Claims can arise from a variety of exposures, including discrimination (sex, sexual orientation, age, race, marital status, illness, physical appearance, religious beliefs, etc.), harassment, assault, demotion, defamation, loss of reputation, unfair dismissal and infliction of emotional distress at work. Please contact us for more information.
Protection & Security Services
Vista is proud to offer a tailored insurance product for the growing Protection Services industry in Canada through Premier Marine Insurance Managers. The program provides C.G.L. (limits up to $20 million available) including Failure to Perform Coverage, Lock and Key Replacement, Employee Dishonesty coverage (including customer’s interest endorsement), Loss of extinguishing agent, etc.Programs available for:
- Security Guards
- Private Investigators
- Alarm Installation Firm
- Alarm Monitoring Firms
- Fire Suppression System
- Sprinkler Contractors