When a Vancouver bakery suffered significant flood damage, their comprehensive business insurance policy, carefully crafted by their broker, covered all losses including business interruption income.
Published January 28, 2026
Maria Santos had been running her beloved bakery, Sweet Maple Patisserie, in East Vancouver for seven years. When a water main break flooded her shop in November 2025, she feared the worst for her livelihood.
Fortunately, her broker at Pacific West had structured her commercial policy with specific endorsements for water damage, equipment breakdown, and business interruption. Many small business owners in the area who had purchased basic policies online found themselves underinsured, but Maria's coverage was comprehensive.
The claims process began within 24 hours of the incident. Our broker acted as Maria's advocate, coordinating with the adjuster, providing documentation support, and ensuring that every eligible expense was included in the claim. The business interruption coverage replaced her lost income during the six-week repair period, and the equipment replacement coverage allowed her to install brand new commercial ovens and refrigeration.
Total claim payout was $187,000, covering structural repairs, equipment replacement, inventory loss, and three months of lost revenue. Maria reopened on schedule without any personal financial hardship.
This case demonstrates why having a broker review your business insurance annually is essential. The specific endorsements that protected Maria cost only $340 more per year than a basic policy.
“Without my broker, I would have lost everything. They did not just sell me a policy, they protected my dream. When the flood happened, they were there the same day helping me through the process.”
- Client of Pacific West Brokers
$187,000
Impact Value
6 weeks recovery
Time Impact
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