Business Insurance
Business insurance for Ontario's small and mid-sized businesses.
Running a business means carrying risk you didn't create: a client who claims your advice cost them money, a break-in, a laptop full of client data, a contract that requires coverage you don't have yet.
Our job is to find those risks with you and put the right protection under them — before something tests it.
What we arrange
Commercial property & liability
The foundation: your premises, equipment, stock, and liability to others.
Professional liability (E&O)
For people whose product is their advice.
Technology & cyber
Tech E&O and standalone cyber coverage.
Contractors & trades
Liability, tools, and contract requirements.
Health & wellness businesses
Premises businesses and independent practitioners.
Online quotes
Professional office packages, non-profits, pet services, special events, and more.
Named lines we arrange by consultation
Commercial auto & fleets. Management liability (D&O). Home-based business coverage for solopreneurs working from home — your homeowner's policy was not built for your business, and the gap is real.
Hard to place?
Declined, non-renewed, or told your business is “hard to insure”? Talk to us before you give up. Some businesses take more work to place — that is different from being uninsurable.
How it works
- Book a consultation — we learn how your business actually operates.
- We structure coverage and obtain quotes.
- You decide, with the reasoning explained in plain language.
Common questions
How much does business insurance cost?
It depends on what you do, your revenue, and the coverage you need. A solo consultant's professional liability and a contractor's package are priced very differently. A consultation gives you a real number instead of a guess.
Can I buy business insurance online?
Some products, yes — our Online Quotes section covers defined products you can quote and often purchase online. Anything more complex starts with a consultation so the coverage fits.
My client is asking for a certificate of insurance. Can you help?
Yes — clients can request certificates through our Request a Certificate page or by calling us.
Do I need insurance if I work from home?
Usually, yes. Home policies typically exclude or limit business activity. We can show you exactly where your exposure sits.