On your behalf, we will work very hard to find best coverage in Commercial General Liability Insurance with competitive rate. Our territory is Greater Vancouver, British Columbia. We will not give up. At same time we offer Business and Commercial Property Insurance to protect your assets and profits. Also we are specialists in Visitors to Canada Insurance, Canadian Travel Insurance, International Student Health Insurance, Trip Cancellation and Interruption Insurance, Multi-Annual Trip Insurance and International Travel Insurance for any citizenship. You can apply for Insurance for Visitors to Canada, International Students in Canada, and Canadian Travelers on-line with our secured SSL website, by fax or mail. Whether you are visitors, immigrants, expatriates to Canada, international students attending Canadian schools, or Canadian residents traveling outside of own province, you are covered with our emergency medical insurance plans for unexpected illness or injury. You can rest assured you will receive the best service available should you ever need it. Commercial General Liability Insurance You need to protect your thriving business from financial liability resulting from bodily injury to others or property damage of others arising out of your operations. Sometimes your landlord, clients, business partners or the government require commercial liability insurance. We will find the best coverage needed for your business. We offer the coverage to the business in Metro Vancouver area as well as any area in British Columbia. Please call us for consultation. Commercial Property Insurance Your business is growing. You need financial protection on your business assets, expenses, stocks, and profits. You can transfer the financial risk to insurance. We are good at finding the most suitable coverage for your business in Metro Vancouver area, BC. Why do I need insurance? image Health care costs in Canada are very expensive. Hospitals can charge thousands of dollars per day. Without emergency hospital and medical insurance, you and your family would be responsible for these high costs, which can create a significant financial burden. What is covered? Travel insurance is intended to cover sudden, unexpected, and unforeseeable circumstances. Please read the Benefits section for a summary of the coverage available. What is not covered? Travel insurance does not cover everything. This insurance has exclusions, conditions and limitations. Please read them and understand the policy before you buy this insurance. What are my coverage options? Who is TIC? TIC has over 50 years of experience in the Canadian travel health insurance market and understands the unique insurance needs of visitors to Canada. We are committed to providing you with knowledgeable support and service when you need it most. TIC insurance plans are underwritten by Co-operators Life Insurance Company. TIC is a Canadian-owned part of Co-operators Group of companies, with assets exceeding $6 billion. You can choose between the Basic Plan and the Select Plan. There are also several optional plans available for an additional cost. Are there age limits? Coverage is not available for persons less than 15 days old. Persons over age 85 must complete a medical questionnaire and receive written acceptance from TIC. I want to stay longer. Can I purchase further coverage? Yes, you can subject to policy terms and conditions. Just call us or TIC (during business hours) prior to the expiry of your policy. You must be in good health and not have incurred any losses with TIC. Will this cover me for trips outside Canada? Yes, provided the majority of your period of coverage is spent in Canada. Expenses incurred in your country of origin will not be covered. Is my personal information protected? We are committed to protecting the privacy, confidentiality and security of the personal information we collect, use and disclose. Your personal information, including your medical history, will be collected, used and disclosed only for the purpose of providing you with the requested insurance services. For a copy of TIC's privacy policy, please contact us or visit our website: www.travelinsurance.ca. What if I get sick or injured? Our professional emergency assistance and claims personnel are available to help you 24 hours a day, 7 days a week. TIC's experienced multilingual staff verify coverage to hospitals, arrange emergency medical evacuation, coordinate payments, and contact your family doctor and relatives as needed. We're here to help you. Call TIC Emergency Assistance or have someone call on your behalf as soon as possible. How do I make a claim? Fill out the claim form completely or you can start a claim online at our website. www.travelinsurance.ca/claims/claimsHowTo.php Benefits You can choose between the Basic Plan and the Select Plan. Basic Plan The Basic Plan has a $50 deductible per person, per policy, and includes the following benefits. EMERGENCY HOSPITAL & MEDICAL SERVICES Up to the sum insured purchased for emergency hospitalization (semi-private) and the following emergency medical services: 1. Physicians, surgeons, anesthetists and registered graduate nurse. 2. Physiotherapist services, when ordered by a physician, to a maximum of $500. 3. Chiropractic services to a maximum of $500. 4. Lab tests and X-ray examinations ordered by a physician. 5. Licensed local air, land, or sea ambulance (including mountain or sea evacuation), when necessary, to the nearest hospital. 6. Rental of crutches or hospital-type bed; and the cost of splints, trusses, braces or other prosthetics. 7. Emergency out-patient hospital services. 8. Prescription drugs or medicines, one-month's supply, to a maximum of $500. RETURN OF DECEASED In the event of death, up to $10,000 is provided to return your body home, or up to $4,000 for cremation or burial at the place of death. ACCIDENTAL DENTAL Up to $3,000 for repair or replacement of whole or sound natural teeth caused by an accidental blow to the face. DENTAL EMERGENCIES Up to $500 for the immediate relief of acute dental pain, other than provided under Accidental Dental. ACT OF TERRORISM If you sustain a loss from an act of terrorism that is otherwise covered under this plan, TIC will pay up to an aggregate limit of $2.5 million for one or a series of such acts and up to $5 million for all such acts in a calendar year involving all TIC-issued policies. Terrorism from nuclear, biological or chemical means is excluded. Please read your policy for a full description of coverage details and exclusions.