Confidently Protect Your Livelihood with Reliable Small Business Insurance
When it comes to protecting your business, you need a broker that understands what’s at stake. Oegema, Nicholson & Associates Ottawa knows the risks and can offer the comprehensive coverage you need.
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What is Small Business Insurance?
Sometimes things go wrong. Your business facility or revenue can be negatively affected by a number of things like fire, theft, or other circumstances completely out of your control.
Small business insurance, or commercial insurance, helps protect business assets, income, and property against these (and other!) potential losses.
What Is Covered By Small Business Insurance?
Typically, small business insurance offers three types of basic coverage:
Property Coverage
This coverage protects the property and buildings owned by the business in the event of damage. Additional contents coverage can protect the items inside the buildings, too.
General Liability Coverage
Should someone become injured at your business because of negligence, this type of coverage can pay for the individual’s medical expenses and legal costs should they choose to sue.
Business Interruption Coverage
This coverage can help replace lost income if your business is impacted by a covered peril. If, for example, a storm damages your office and you are forced to stop work, this coverage my grant you the funds required to temporarily rent a new workspace.
How Much Does Small Business Insurance Cost?
What much your small business insurance will cost depends on a handful of factors, like the type of business you are in, the amount of risk it incurs, and whether you purchase additional coverage like liability or cyber security insurance.
To ensure you get the coverage you need without overpaying premiums, talk to a trusted brokerage like Oegema, Nicholson to fully explore your options.
Why trust Oegema, Nicholson & Associates?
Oegema, Nicholson & Associates is family owned and locally operated, giving us the insight and understanding needed to support small businesses in Eastern Ontario and Western Quebec.
Since 1961 we have been supporting our neighbours and community members in finding the coverage and security they deserve.
Whether you need basic coverage or have a complex business requiring a customized insurance plan, Oegema, Nicholson & Associates can connect you with a range of options, ensuring you find the right fit, at the right price.
What Our Clients Are Saying
Real stories from people who trust
Oegema, Nicholson & Associates Insurance
“One call to Oegema, Nicholson & Associates is all it took. After our basement flooded, within a day or two they had a crew cleaning everything up, taking down the drywall and itemizing everything to be cleaned, thrown out or restored. They had everything in place for us in a timely manner and were extremely patient with me as they talked me through the process and waited for me to make decisions.”
Jennifer Parks, Stittsville, Ontario
“I’ve been dealing with ONA for over 20 years with my personal insurance, as well as our commercial insurance, and I know I can rely on them for great customer service, and prompt responses. I feel confident not only referring them to my employees, but to our customers as well.”
Charlene Brunet, Butler Group of Company
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