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Business and Commercial Insurance in Alberta


If you are operating a business at all, it is important to insure yourself against financial losses. At Hillcrest Insurance Ltd, our experts can work with you to find the best commercial insurance options in communities throungout Alberta. We offer business insurance, professional liability insurance, cargo insurance, and commercial trucking insurance for a variety of different situations.

Give us a call today to speak with our insurance experts about your specific situation.

Your business requires insurance in order to:

  • Protect your physical assets such as contractors' equipment, computer systems, stock, machinery and buildings

  • Protect yourself from legal liabilities and to provide you with legal assistance and defense in the event of a lawsuit

  • Replace your income and ongoing expenses during the rebuilding process after a loss (commonly referred to as Business Interruption Insurance)

It is our job to help you assess your business insurance needs and to advise you on determining the right type of coverage for your business. We represent a number of insurance companies and will search for the best product at the best price for you.

Professional Liability

Professional Liability coverage is not provided by a Commercial General Liability policy (your normal business liability insurance policy).

Directors and Officers Liability

Directors and Officers Liability insurance (D&O) is becoming more and more important in today's society. 

It is pretty hard to ask people to serve on your board, give their time, energy and talents and then have them take the risk of losing their personal savings and assets if they are sued. If your organization has not purchased enough liability coverage or has neglected to buy D&O coverage at all, you are putting your Directors and Officers in a vulnerable position.

A D&O policy will not only pay for the cost of a judgment but will also pay for the legal costs to defend you in the case of a lawsuit. The legal costs to defend yourself or to prove that you are innocent can be overwhelming.

One of the most common claims for a D&O policy is Employment Practices Liability. Claims for such things as wrongful dismissal, discrimination, harassment or abuse in the workplace are all covered under a D&O policy.

  • Protect your possessions

  • Provide coverage should your condo unit become damaged

  • Protect you if you are legally responsible for injury to someone else or for damage to their property

We can guide you through the special coverages that you require as a condo owner regarding property, liability, and deductible assessments. In order to cover yourself properly, you will need to know the deductible of your corporations' master insurance policy.

Errors and Omissions Liability

This coverage provides protection to professionals and organizations against claims resulting from errors, omissions or negligent acts made in the process of providing their professional services.

Coverage includes legal defense costs – no matter how baseless the allegations. Errors and Omissions insurance will pay for any resulting judgments against you, including court costs, up to the coverage limits on your policy.

Even if you're not at fault, litigation is time-consuming, costly and potentially disastrous to a firm’s reputation.

Companies and consultants who have General Liability without Professional Liability (E&O) coverage are taking a serious risk. It is like a Doctor practicing medicine without Malpractice insurance!

Mistakes Happen. Every company can make a mistake at some point. For example, you recommend to a client that they run a test of their system after you did some extensive work on it. The client takes your advice, the system crashes, and they are unable to conduct business for a whole week. The client becomes enraged, calls his attorney, and looks to you for reimbursement.

You Can't Be Everywhere. Sometimes you can't personally handle every job. Errors and Omissions coverage insures not only your mistakes but also the mistakes of the employees and Independent Contractors you hire.

Errors and Omissions insurance might save you from extreme embarrassment, a lost client, or worst of all, a bad reputation!

Commercial Trucking


All trucking operations need to be insured properly with Commercial General Liability, Cargo and Commercial Auto coverage. This insurance is not only important to protect yourself, but is often legally required.

Regardless of whether you are a small business operating in Saskatchewan only or whether you are a large business that operates in other provinces and the U.S. you need to talk to us about protecting your business in the case of a loss or legal action.

Our commercial auto brokers will help you find coverage for your:

  • Equipment

  • Operations

  • Loads

Rates will vary according to the usage and the distance that you are hauling – our brokers are very experienced in large and small trucking operations and will advise you in the kind of coverages that you will require. Please call us with your inquiries.

Leased operators have specific needs. Many will purchase a "Buy Down" coverage that reduces the deductible that their company’s master policy gives them. It also gives them the options for:

  • Wildlife Waiver

  • Glass Coverage

  • Loss of Use

  • Cargo Deductible Buy Down coverage

We will secure the best coverage at the best price and we will provide daily service to maintain the needs of large trucking firms that are adding drivers and additional units on an ongoing basis.


The Federal and Provincial Motor Carrier Acts often make it a legal requirement for truckers to carry cargo insurance. These requirements protect the motoring and shipping public in the event that the carrier damages their goods.

As a trucker, you are legally liable for goods entrusted to your care and you will want to insure yourself properly.

At Hillcrest Insurance, we have been insuring trucking operations and their cargo for years. Whether you are hauling perishable groceries, high-value loads or livestock, we have markets to satisfy your needs at competitive prices.

If you are a leased operator, you may find that the deductible offered by your employer is too high for you to absorb. We can offer you buy-down policies for your cargo deductibles.

If you want to ensure that you are paying the right price and are covered properly, call Hillcrest Insurance and ask for a commercial trucking broker.


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