Commercial Package Basics
The three fundamental coverage needed by Main Street businesses are reviewed. Starting with property definitions then reviewing Business Interruption basics. Finally the CGL main coverage is addressed.
One Hour CE Approved
British Columbia Saskatchewan Manitoba
Core Property Coverages
Understand commercial property core coverages: building, stock, and equipment, including fixed structures, tenant improvements, bailee property, consignment stock, and leased equipment.
Business Interruption Basics
Learn the foundations of Business Interruption Insurance, including indirect loss, covered property damage triggers, restoration periods, BI limits, mitigation duties, and why brokers must address income exposure before a major loss.
CGL Coverage A Basics
Review CGL Coverage A for Canadian P&C brokers, including bodily injury, property damage, occurrence triggers, legal liability, and key exclusions such as contractual liability, pollution, auto, own work, own product, and recall.
About the course
A sound commercial insurance program begins with a clear understanding of what is being insured, how the business generates income, and where legal liability can arise. This course examines the foundations of commercial property, business interruption, and Commercial General Liability coverage, providing brokers with the knowledge needed to identify and protect a client's most significant exposures. You'll learn how commercial property is classified into building, stock, and equipment, how Business Interruption coverage responds to lost income following an insured property loss, and how Coverage A of the CGL protects businesses against third-party bodily injury and property damage claims. The course also explores key policy triggers, coverage limitations, restoration periods, contractual obligations, and the broker's role in documenting exposures, establishing appropriate limits, and identifying potential coverage gaps before a loss occurs. By the end of this course, you'll be better equipped to build comprehensive commercial insurance programs that protect both a client's physical assets and long-term financial stability.
Meet Your Instructor
For more than four decades, Todd Hochban has worked with Canadian insurance brokers, helping them better understand property and casualty insurance through practical, real-world education. As a seasoned educator, industry speaker, and course developer, he has trained thousands of brokers across Canada, translating complex insurance concepts into clear, actionable learning. Every BrokerBytes course is designed with one goal in mind: to provide practical knowledge that brokers can immediately apply in conversations with clients, underwriting submissions, and claims situations. Rather than focusing on theory alone, these lessons emphasize the issues brokers encounter every day. Whether you're new to the industry or building on years of experience, BrokerBytes delivers concise, focused learning designed for today's busy insurance professional.