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HALIFAX

BUSINESS

REFERRAL

NETWORK

 

Meetings

Meetings are held every Thursday at the Chebucto Inn on

Lady Hammond Rd, Halifax, NS at 7:30 am.

 

Opportunities

 

We have openings in the group for the following professions:

Automotive Sales

Automotive Service

Caterer

Florist

Kitchen/Bath Specialist

Naturopath

Personal Chef
Paralegal
Photographer
Printer


and more...

 

Day Book

 

MONDAY

 

TUESDAY

 

WEDNESDAY

 

THURSDAY

 

0730 HBRN Breakfast Meeting, Chebucto Inn

 

FRIDAY

 

SATURDAY

 

SUNDAY

 

Do you have an event you’d like listed in Business Daybook?  Send us the details by email at events@hbrn.ca

 

 

 

 

 

 

 

 

 

Protecting Your Assets With Business Liability Insurance

 

Owning and operating a small business comes with plenty of responsibility and accountability. Even if you operate with the utmost care and provide the best quality and services, a client can perceive you did them wrong. Is your business protected with liability insurance? Learn what all successful business owners know about small business liability insurance.

 

Who Needs Business Liability Insurance?

 

Over 78% of all Canadian businesses are structured as a partnership or sole proprietorship. For the majority of small business owners, this form of ownership puts your business and personal liabilities at risk. Owning business liability insurance protects both your business and personal life from financial ruin.

 

A common misconception of a limited liability company or an incorporated company is a business owner is protected from personal liability and liability insurance is not necessary. You can be personally liable if:

 

  • you have signed a personal guarantee for a loan

     

  • personally you have injured someone

    •  

  • you have acted in an irresponsible or illegal manner

     

  • you do not operate your business as a separate entity

     

    What is Business Liability Insurance?

     

    Business liability insurance protects your small business in the event of a lawsuit for personal injury or property damages. It will usually cover the damages from a lawsuit along with the legal costs. Depending on your business needs, liability insurance can purchased in many forms.

     

    Types of Business Liability Insurance

     

    General Liability Insurance: This form of business liability insurance is the main coverage to protect your business from: injury claims, property damages, and advertising claims. General liability insurance also known as Commercial General Liability (CGL) may be the only type of business liability insurance you need depending on your business situation.

     

    Professional Liability Insurance: Business owners providing services will need to consider having professional liability insurance known as errors and omissions. This coverage protects your business against malpractice, errors, negligence and omissions. Depending on your profession, it may be a legal requirement to carry such a policy. Doctors require coverage to practice in certain states. Technology consultants often need coverage in independent contractor work arrangements.

     

    Product Liability Insurance: Small businesses selling or manufacturing products should be protected in the event of a person becoming injured as a result of using the product. The amount of coverage and the level of risk depends on your business type. A retailer of scrap book supplies will have far less risks than a wood stove builder.

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