The Critical Coverages Every Small Business Needs (But Forgets)

Running a local business in Clarington or Oshawa means wearing every hat, from sales and marketing to operations and finance. For many entrepreneurs, insurance often feels like just another mandatory, time-consuming box to check.

At Roughley Insurance Brokers, we know that you are busy growing your dream. Our mission is to ensure we handle the "what ifs" so you can sleep at night and focus on your customers.

The "Invisible" Risk: Business Interruption

Most business owners remember to insure their physical space and equipment against fire or theft. But what happens the day after a disaster? If a fire forces your hair salon or coffee shop to close for three months of repairs, how do you pay your rent, your key staff, or yourself?

Business Interruption Insurance is the safety net that covers:

• Lost Net Income: Replaces the profits you would have earned if your doors were open.
• Fixed Expenses: Covers ongoing bills like electricity, taxes, and loan repayments even while you are closed.
• Employee Payroll: Helps you retain your best people so they don't have to find other work during your recovery.

The Modern Threat: Why Small Biz Needs Cyber Coverage

Many local entrepreneurs assume cyberattacks only happen to major corporations. In reality, small businesses are often targets because they frequently have weaker security systems. If your booking system is hacked or customer credit card data is compromised, the fallout can be devastating.

Cyber Insurance provides more than just a payout; it provides a plan:

• Data Recovery: Helps cover the high cost of restoring lost or encrypted files.
• Regulatory Fines: Assists with the legal costs and fines associated with a privacy breach.
• Ransomware Support: Provides access to experts who can help navigate extortion attempts.

Your Local Partner in Risk

As a family-owned and operated business since 1945, we understand the unique challenges of the Durham business community. We aren't just your brokers; we are your neighbours.

We take the time to educate you, ensuring you have the right coverage at the right price without the fluff. Whether you are a sole proprietor with two employees or a growing venture, our experience is your edge.

Let us worry about the small stuff so you don't have to.