Business Insurance in Ontario

Most small businesses bind general liability and property coverage in 2 to 3 days, with a same-day Certificate of Insurance once bound. More complex operations take a bit longer as we model your exposures correctly.

It's the foundation, but rarely the whole story. Commercial property, business interruption, cyber, and professional liability are commonly needed alongside. We build a package sized to your real exposure.

Yes, even remote-first companies carry liability, cyber, and professional risk. We arrange coverage for distributed teams that works whether your staff is in Kitchener or across the province.

Commercial general liability is the foundation and usually the first policy a landlord or client requires, because it covers third-party injury and property damage from your operations. We add property, business interruption, and cyber as your operations expose you.

A small business can bind basic general liability for a few hundred dollars a year; a fuller package with property, interruption, and cyber runs more and scales with payroll, revenue, and exposures. We quote yours across 17+ insurers and show the range rather than a single loaded number.

Business interruption pays the income you lose, and the ongoing expenses you still owe, while you recover from a covered loss like a fire. Without it a closed shop can become a closed business even after the property claim pays.

A COI is proof of your coverage, the limits and additional insured a landlord or client requires before you start. We deliver same-day COIs and add the additional-insured wording a contract demands so your start date isn't held up.

Only with a crime or employee-dishonesty endorsement, which standard policies exclude. We add it where your operations warrant so a trusted-employee theft doesn't become an uninsured loss.

Most small businesses buy a commercial package or BOP that combines liability, property, and interruption on one policy and one renewal, which is usually cheaper and simpler than separate policies. We build the package sized to your real exposure as you grow.

General liability covers your operations on and off your own premises, including at a client site, subject to the policy terms. We confirm off-premises coverage and add additional-insured wording the client's contract requires.