When’s the last time you looked over your insurance coverage? If you’re like most busy business owners, it’s probably been a while.


It’s important to make sure you have the right coverages for your various business exposures. Even if you think you know what’s in your policies, you might be in for a surprise. Some things that were included in your policy years ago might be excluded today. Never assume your coverage is the same just because you’re renewing.


Insurance coverage is a crucial tool in your risk management toolkit. Businesses often underestimate how much risk exposure they have, so they end up improperly insured or underinsured. Gaps in coverage might as well be chasms if the insurance doesn’t respond when you need it most.

You may not want to pore over the details, but we do. If you’ve read legal agreements (like insurance), most people can agree on one thing: it’s tedious. It’s tempting to sign the policy and hope for the best. Here’s the thing: We actually like reading the fine print, answering questions and matching you with the best coverage for your unique risk exposures. We know that “Sorry, you’re not covered for that” isn’t the answer you want to hear after a catastrophe.


If you haven’t had a coverage review in a couple of years, you may have more exclusions and less coverage than you realize. We’ve been insuring businesses like yours for a long time, so we know the industry and the liability gaps to look out for.

Some potential gaps you may be unaware of


You probably don’t view your business through a risk-liability lens; that’s our job. Insurance coverage gaps could leave you with potentially business-ending exposures that you might be totally unaware of.

Let’s look at a few common scenarios so you can see what we mean:

Expect risk mitigation advice and exceptional service from us. It’s our job (and pleasure) to look out for you. You can expect us to:

  • Ask questions about your business to assess liability risk exposures
  • Shop around to get the best rates for your unique needs
  • Assess the coverage quality (we examine and compare the fine print for you)
  • Explain the policy to you and make sure you understand what’s covered
  • Advise you on liability gaps created by policy exclusions (what’s not covered)
  • Solve the liability gaps by presenting you with supplemental insurance options
  • Answer your questions

This content is for informational purposes only and not for the purpose of providing, financial, medical or legal advice. You should contact your attorney, doctor, broker or advisor to obtain advice with respect to any particular issue or problem.


Roughley’s team of insurance professionals is standing by to answer your call. If you have questions about your insurance, we invite you to call us and speak to one of our team members.

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We are available Monday to Friday, 9am until 4:30pm.
Oshawa Location
Phone: 905.576.7770 • Toll Free: 1.888.558.0883
Fax: 905.576.3610
insure@roughleyinsurance.com

Bowmanville Location
Phone: 905.697.4257 • Toll Free: 1.888.558.0883
Fax: 289.316.3662
insurebowmanville@roughleyinsurance.com