Business insurance built around your business
One claim can stop a small business in its tracks. We build business insurance packages for growing companies, comparing insurers to protect your property, your income and your liability.
What is business insurance?
Business insurance is a combination of coverages that protect your company against lawsuits, property damage and lost income. Small businesses often buy them together as a package policy, which is simpler and usually more affordable.
Many clients, landlords and general contractors also require proof of insurance before you can start work. We help you choose the right limits, compare insurers and issue certificates quickly when you need them.
Who it’s for
- Retail stores and shops
- Contractors and trades
- Offices and professional firms
- Home-based businesses
- Manufacturers and wholesalers
What your policy can include
The main coverages we review with every client. We’ll explain each one and help you choose the right limits.
Commercial general liability
Covers third-party bodily injury and property damage claims arising from your operations or premises.
Commercial property
Protects your building, equipment, furniture and inventory from fire, theft and weather.
Business interruption
Replaces lost income and pays ongoing expenses while you recover from a covered loss.
Equipment breakdown
Covers sudden mechanical or electrical breakdown of essential equipment.
Crime and employee dishonesty
Protects against theft of money and property, including by employees.
Cyber liability
Helps with data breaches, ransomware and the cost of notifying customers.
Business insurance: what to know
Practical points we walk every client through before they choose a policy.
Many clients and landlords ask for a certificate showing commercial general liability, often $2 million, before you begin work or sign a lease.
Employee workplace injuries are covered through your provincial workers’ compensation board. Your general liability protects you against claims from third parties, like customers and the public.
Storms can damage roofs, signage and stock. Make sure your property limits reflect today’s replacement costs.
Insurers price what they do not know. Sharing your experience, safety practices and claims history helps us negotiate a better premium.
Popular add-ons
Extras worth considering, depending on your situation.
What affects your premium
Insurers look at these factors. Knowing them helps you keep your premium in check.
Covered in three steps
No long calls and no pressure. Most clients are done in one conversation.
Tell us what you need
Complete our online quote form, or call or WhatsApp a broker.
We compare insurers
We shop your coverage across multiple insurers and shortlist the best fit.
Choose and you’re covered
Pick your option. We handle the paperwork and send your documents.
Business insurance questions
Can’t find your answer? A licensed broker can help in a few minutes.
Ask on WhatsAppMost small businesses start with commercial general liability and property coverage, often combined in a package with business interruption. Depending on your work, you may also need professional liability, commercial auto or cyber coverage.
$2 million is the most common limit, and many contracts and leases require it. Higher-risk operations or large contracts may need $5 million or an umbrella policy.
Employee workplace injuries are generally covered by your provincial workers’ compensation board, not your business insurance. Your general liability covers injuries to customers, visitors and the public.
Usually, yes. Home insurance policies typically limit or exclude business equipment and client visits. A home-based business endorsement or a separate policy fills the gap.
Once your coverage is in place, certificates can often be issued within a business day. Tell us the certificate holder’s details and any wording your contract requires.
Get your business insurance quote
Free, no-obligation quotes from a licensed broker who compares multiple insurers for you.