Get a Quote
Get a Quote

Property and casualty insurance quote

Commercial property, business income and general liability in one application. Tell us about your company and premises, and we'll compare insurers for you.

Takes about 20 minutes Multiple insurers compared Secure and private

Looking for a different quote?

Personal auto Home Business Trucking Commercial auto Commercial vehicle Restaurant Property and casualty Professional liability (E&O)

Your property and casualty application

Fields marked * are required.

Step 1 of 8
  1. 1Company
  2. 2Income
  3. 3Activities
  4. 4Products
  5. 5Premises
  6. 6Protection
  7. 7Coverage
  8. 8Declaration
Company details

The principal company this insurance is for. Subsidiaries are covered only if their data is included in all your answers.

Enter the insured company name.
Enter the street address.
Enter the city.
Choose a province.
Enter a valid postal code, like T2P 1J9.
Enter a contact name.
Enter a valid email, like name@example.com.
Enter a 10-digit phone number.
Choose a date.
people
Enter a number from 0 to 100,000.
Income and payroll

Enter 0 for territories where you have no income. Totals add up automatically.

1.3Income by territory (CAD)*
Last completed yearCurrent year (estimate)Next year (estimate)Domestic (Canada)
Last completed year
$
Current year (estimate)
$
Next year (estimate)
$
The USA
Last completed year
$
Current year (estimate)
$
Next year (estimate)
$
Europe / Australia
Last completed year
$
Current year (estimate)
$
Next year (estimate)
$
Rest of the world
Last completed year
$
Current year (estimate)
$
Next year (estimate)
$
TotalCalculated automatically
Last completed year
$0
Current year (estimate)
$0
Next year (estimate)
$0
Fill in every box. Use 0 if none.
$
Enter an amount.
%
Enter a number from 0 to 100.
%
Enter a number from 0 to 100.
Activities and contracts

What your business does and the work you take on.

Describe your business activities.
2.2Breakdown of total revenue by activity*All activities should add up to 100%.
Complete each activity, or remove extra cards.
2.3Do you own any premises in the US other than a sales office?*
Choose yes or no.
Contract information
3.1Your three largest contracts*
Complete each contract, or remove extra cards.
m
Enter a number from 0 to 1,000.
m
Enter a number from 0 to 1,000.
3.2cDo you perform heat work away from your premises?*
Choose yes or no.
3.3Do you employ bona fide sub-contractors (BFSC)?*
Choose yes or no.
Product information

Only needed if you sell products.

Do you have any product sales?*
Choose yes or no.
Premises details

Tell us about each location you want insured.

Premises 1
Enter the street address.
Enter the city.
Choose a province.
Enter a valid postal code.
Enter the purpose of the premises.
Enter a number from 1,800 to 2,030.
Enter a number from 1,800 to 2,030.
How the premises is constructedSelect all that apply.
Enter a number from 1,800 to 2,030.
How the roof is constructedSelect all that apply.
Enter a number from 1 to 10.
Second location
Do you want to insure a second premises?*
Choose yes or no.
Protection and condition

Answer for the premises listed. If any answer is "No", you'll be asked for details.

a) Is the premises detached?*
Choose yes or no.
b) Is it self-contained with a lockable entrance door?*
Choose yes or no.
c) Does it have other external doors?*
Choose yes or no.
d) Does it have lockable opening windows on all levels?*
Choose yes or no.
e) Protected by fire and central station intruder alarms on all windows and doors, with an annual maintenance contract?*
Choose yes or no.
f) Protected by interior and exterior cameras?*
Choose yes or no.
g) Overseen by 24-hour security guards?*
Choose yes or no.
Insurers may refuse a claim if security devices, including locks and the intruder alarm, aren't fully working whenever the premises is closed or left unattended.
h) Free from cracks or signs of subsidence, landslip or heave, with no previous damage from these causes?*
Choose yes or no.
i) In an area free from flooding and not near rivers, streams or tidal waters?*
Choose yes or no.
j) Heated by conventional electric, gas, oil or solid fuel heating?*
Choose yes or no.
k) Electrical installations inspected at least every 5 years by a qualified electrician, with defects fixed?*
Choose yes or no.
l) Lifts, boilers, steam and pressure vessels inspected and approved to statutory requirements?*
Choose yes or no.
m) Fitted with sprinklers throughout?*
Choose yes or no.
n) Has a backup system for the electrical supply?*
Choose yes or no.
If you answered yes to k) and l), keep records of all inspections. Insurers may ask for them before paying a claim.
Building materials and records
5.3Do any premises contain composite or sandwich panels?*
Choose yes or no.
5.4Do any premises contain aluminium wiring?*
Choose yes or no.
5.5Do you keep written and electronic records of all stock?*
Choose yes or no.
5.6Would you like a quote for earthquake coverage?*
Choose yes or no.
5.6Would you like a quote for flood coverage?*
Choose yes or no.
Insurance requirements

Amounts should be the full rebuilding or replacement cost. If you understate them, you'll be under-insured and a claim may not be paid in full.

6.1Amounts to insure*Enter 0 for anything that doesn't apply.
Premises 1Premises 2Building
Premises 1
$
Premises 2
$
Loss of income
Premises 1
$
Premises 2
$
Indemnity period (loss of income)
Premises 1
months
Premises 2
months
Loss of rent
Premises 1
$
Premises 2
$
Indemnity period (loss of rent)
Premises 1
months
Premises 2
months
Inventory / stock
Premises 1
$
Premises 2
$
Cultivation equipment
Premises 1
$
Premises 2
$
Business personal property
Premises 1
$
Premises 2
$
Tenants improvements
Premises 1
$
Premises 2
$
Fill in every box. Use 0 if not needed.
Commercial general liability
6.2Do you currently have commercial general liability (CGL) insurance?*
Choose yes or no.
CGL required for next year
Choose a month.
$
Enter an amount.
$
Enter an amount.
Claims history and declaration

Regarding all types of insurance this application relates to, after enquiry.

a) Have you ever had a legal action brought against you for causing property damage or bodily injury to a third party?*
Choose yes or no.
b) Are you aware of any circumstances which may lead to such a legal action?*
Choose yes or no.
c) Have you ever had a loss from damage to any premises to be insured, or have any of these premises been damaged?*
Choose yes or no.
Upload documents (optional)Brochures, claim details, current policy or statement of values.
    Each file must be 10 MB or smaller, up to 25 files.
    Declaration*

    I declare that after proper enquiry the statements and particulars given above are true and that I have not mis-stated or suppressed any material fact.

    I agree that this application form, together with any other material information supplied by me, shall form the basis of any contract of insurance agreed upon.

    I undertake to inform underwriters of any material alteration to these facts occurring before the completion of the contract.

    Please agree to the declaration to submit.
    Enter your name.
    Enter your position.
    Choose a date.
    Your information is encrypted and secure

    Request received

    A Gem Insurance broker will review your application and contact you with your options shortly.

    Back to homepage Add business insurance