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Smart protection for small businesses.
We know that as a small business owner, every dollar counts. Let us do the heavy lifting in finding the right policy to meet your needs and your budget, without compromising on protection.
Invest less in insurance, and more in your business.
Explore the world of small business insurance in Ontario with a team of pros on your side. We are your dedicated partners in securing the protection your business deserves, offering tailored solutions to shield your operations from the unexpected, and empowering its growth.
Types of small business insurance
Small business insurance is suitable for various types of businesses, including but not limited to:
Retailers Insurance
Small shops, boutiques, and stores.
Restaurants Insurance
Cafes, diners, and small eateries.
Professional Services Insurance
Consultants, freelancers, and small law or accounting firms.
Retailers
Small shops, boutiques, and stores.
Restaurants
Cafes, diners, and small eateries.
Professional Services
Consultants, freelancers, and small law or accounting firms.
Artisans
Crafters, artists, and boutique manufacturers.
Artisans Insurance
Crafters, artists, and boutique manufacturers.
Contractors Insurance
Construction, landscaping and tradespeople.
Tech Startups Insurance
Small tech companies and software developers.
Contractors
Construction, landscaping and tradespeople.
Tech Startups
Small tech companies and software developers.
Home-Based Businesses Insurance
Online retailers, freelance writers, consultants and more.
Home-Based Businesses
Online retailers, freelance writers, consultants and more.
Coverages
Did you know there are more than 11 types of insurance coverages to benefit small businesses? The nature of your work dictates what combination of coverage will make for your perfect fit.
General Liability
This protects your business in the event of a product failing, or an injury occurring as a result of business activities. A number of small business claims fall beneath this umbrella, and therefore the majority of your coverage should be placed here.
Commercial Property
Whether you own, lease or rent the property on which your business operates, you should provide insurance against any potential damage caused by natural disasters, water damage, and theft.
Commercial Auto
This protects your company vehicles, drivers, and any employees who may drive for your business at any point.
Professional Liability
This coverage protects you in the event you make a mistake, such as offering bad advice, missing a deadline, or simply doing poor work on the job. This will cover the associated losses if the client chooses to sue you for any of the above criteria. Note: this relates directly to your services.
Cyber Coverage
This coverage exists to protect you in the event of a data breach, and cover associated costs.
Crime Coverage
In the event that an employee were to steal data or products, this coverage would help mitigate associated costs with this form of employee theft.
Business Interruption
Should an unforeseen event interrupt your ability to conduct business, this coverage will protect any financial loss during this timeframe.
Optional Coverages
Consider these enhancements for your policy.
Business Interruption
Covers lost income and operating expenses if your business has to close temporarily due to a covered event (e.g., fire, natural disaster). Helps maintain cash flow during downtime.
Commercial Auto
Covers vehicles used for business purposes, including delivery vans, company cars, and work trucks. It provides protection against accidents, liability, and property damage.
Professional Liability
Protects professionals (e.g., consultants, lawyers, accountants) from claims of negligence, errors, omissions, or inadequate professional services.
Cyber Liability
Protects your vehicle from depreciation when deemed a “total loss”
Employment Practices Liability
Protects your business from claims related to employment issues, such as wrongful termination, discrimination, or harassment. Covers legal defense costs and settlements.
Directors & Officers
Shields directors and officers from personal liability in the event of claims related to their decisions and actions on behalf of the company.
Frequently asked questions
Learn what people are asking about this popular coverage.
This is essential for protecting your business assets, covering legal costs, and ensuring your financial stability in case of unexpected events, such as accidents, lawsuits, or property damage.
Several factors can influence your insurance premiums, including your industry, location, coverage limits, deductible amounts, claims history, and the size of your business.
You can often reduce insurance costs by implementing safety measures, maintaining a good claims history, bundling policies, and shopping around for competitive rates from different insurers.
Yes, in fact it’s essential to regularly review and adjust your coverage as your business evolves. As your business grows, your insurance needs may change, so it’s crucial to keep your policies up to date.
In Ontario, workers’ compensation insurance is legally required for businesses with employees. Even if you have just a few employees, it’s necessary to provide this coverage to protect both your employees and your business.