Retailers & Distributors Insurance
CapriCMW provides the highest quality insurance products and innovative risk-related solutions to Retailers and Distributors. Our Commercial Insurance Group have long been recognized as specialists insuring the suppliers of a wide variety of retail and distribution products and services.
We understand the need for competitively priced programs which include coverage for direct losses to property, stock, lost income and the timely replacement of assets. Our liability programs provide protection of customer goodwill by insuring against client complaints about products and services, and claims of injury. Our Commercial Insurance Group supports our clients’ needs in non-insurable areas such as contract review, risk control for safety of premises and reviews of employee safety.
Our Retailers & Distributors solutions include:
- Competitively priced property programs covering buildings, equipment, stock, data processing equipment and related contents on site or in transit
- Liability programs providing protection from customer incidents on premises and from products sold, rented or for which you are responsible
- Loss of income programs for business interruption as well as expediting expenses to quickly reopen
- Employee group health and benefits programs
- Crime insurance designed for operations with cash exposures and irregular limits on- or off-premises
- Efficient electronic administration systems to coordinate insurance programs over multiple insured locations
- Claims management assistance and advocacy to smooth customer goodwill, settle claims quickly and maintain strong insurer relations
New ICBC Coverages Explained: Income Replacement vs. Income Top-Up
As of May 1, 2021, ICBC's new Enhanced Care coverage is in effect which has introduced significant changes to BC's auto insurance system. At CapriCMW, we're here to help you understand the changes and how they affect you.
Federal Government Introduces Canada Recovery Hiring Program
The new Canada Recovery Hiring Program is designed to support employers by subsidizing payroll expenses as they increase hours or wages, or hire new employees, while continuing to experience declines in revenue compared to pre-pandemic times.
Government of BC Introduces COVID-19 Related Paid Sick Leave
As of May 20, 2021, amendments to BC's Employment Standards Act are in effect which provides paid sick leave for work absenses related to COVID-19 and introduces paid sick leave for any illnesses or injuries beginning on January 1, 2022.