PRINCE EDWARD ISLAND BUSINESS RESEARCH
PEI Business Insurance: WCB, Vehicles, Liability & Property
Separate PEI's statutory workplace coverage and IRAC-regulated commercial auto from private CGL, property, interruption, professional liability and cyber insurance.
No generic small-business premium. Operations, payroll, property, vehicles, contracts and claims create materially different exposures.
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Focused guides6
WCB trigger1+ workers*
Commercial auto ratesIRAC regulated
Generic premiumNot assumed
Six PEI commercial insurance guides
WORKPLACE COVERAGEWCB RegistrationWho must register with WCB PEI, one-or-more-worker threshold, excluded industries, out-of-province employers and personal coverage.CONTRACTORSContractor ClearanceWhy PEI businesses should request WCB clearance before paying contractors and how a contractor's default can affect the principal employer.COMMERCIAL AUTOCommercial AutoPEI commercial auto insurance and IRAC rate regulation for commercial vehicles, fleets and business-use vehicles.LIABILITYCGL InsurancePEI CGL insurance for bodily injury, property damage, products/completed operations and common contract requirements.PROPERTY + INCOMEProperty & InterruptionPEI commercial property and business-interruption insurance for buildings, stock, equipment, storm damage and lost income after covered losses.PROFESSIONAL + CYBERE&O & CyberPEI professional liability/E&O and cyber insurance for consultants, technology firms, professional services, privacy incidents and network events.
One worker can trigger employer registration
WCB PEI says businesses operating in the province generally must register when they employ one or more workers on a regular, part-time or contract basis, unless the business falls within an excluded industry.
IRAC rate regulation also covers commercial vehicles
IRAC's filing framework includes four commercial-vehicle rating profiles. Commercial use, vehicle type, drivers and operations can affect how a business vehicle is classified and priced.
Commercial Auto guide →Build the insurance stack by exposure
WorkersWCB registration and Personal Coverage
ContractorsClearances and principal-employer exposure
CustomersCGL and products/completed operations
PropertyBuildings, stock, tools and interruption
Professional workE&O / professional liability
DataCyber and privacy risk