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Small Business Insurance In Ontario


What Is Small Business Insurance?

Ultimately, similar to Business Insurance, Small Business Insurance will protect your financial investments. Typically, with Small Business Insurance any liabilities that may occur (theft, lawsuits, etc.) will be covered.

Not every small business in Ontario is legally required to have insurance but regardless we do recommend having some type of coverage for your small business. An Insurance Policy provides necessary protection to you as a business owner, your clients and your employees.


Why Should I Have Insurance For My Small Business?

To answer this, we spoke to Duliban Insurance Brokers Farm & Commercial Account Producer Josh Mashinter. Here’s what he had to say:

“There are a lot of reasons you should get insurance for your small business,” said Mashinter. “You want to protect your assets. Business owners – their livelihoods depend on their ability to maintain the business. If a loss were to occur and they could no longer operate that might mean they can’t put food on their table and do all of the things they would need money for.

It also means their employees might not be able to work or have an income. It’s really important as a business owner that you see the value in protecting your assets and making sure that there’s proper coverage in place.”


What Does Small Business Insurance Cover?

Here at Duliban Insurance Brokers, our coverage offerings are designed to fit the needs of nearly every type of small business in Ontario. Some of the coverages we offer include the following:

  • Commercial Property: Whether you own or rent the property in which your business operates, you should provide insurance against any potential damage caused by natural disasters, water damage, or even theft.
  • General Liability: This coverage protects your business in the event of a product failing, or an injury occurring as a result of business activities. This is where the majority of small business claims fall and where the majority of your coverage should be.
  • Commercial Auto: This protects your company vehicles, the drivers, and your employees who are driving for business purposes.
  • Professional Liability: If you make a mistake, such as offer bad advice, miss a deadline, or simply do a poor job, professional liability will cover the associated losses if the client chooses to sue. Professional liability coverage relates specifically to your services.
  • Cyber Coverage: This coverage helps cover potential data breach costs.
  • Crime Coverage: If an employee were to steal data or products, crime coverage would help mitigate any costs associated with this type of employee theft.
  • Business Interruption: Sometimes an event occurs that interrupts your ability to conduct business. Business Interruption Insurance helps protect the business from financial loss during this time.


How You Can Get Started

If you have specific questions relating to Small Business Insurance, the Duliban Insurance Brokers team is here to help! Contact us today to find answers to your questions and to get a free quote based on your specific needs.

Here's What Some Of Our Awesome Client Family Is Saying

Jaysus from the thousand islands
Jaysus from the thousand islands
I was in a pinch and needed insurance for my new business. Never having obtained commercial insurance before I knew it would be challenging. After calling numerous companies it became clear that Duliban was the right choice. They were very professional, had amazing response times, and got me the insurance I needed. I wouldn't consider any other company for my insurance needs.
Tracey Saulnier
Tracey Saulnier
Holly and Trevor have provided excellent service so far in giving us a very competitive quote and following through with the sign up process. We are new to the company so we will give a further review after we’ve been with them a while. So far- we are really impressed!
David Martino
David Martino
A terrific experience all around. Domenic and his team were quick, efficient and got us great home and auto insurance policies at an excellent price. Clear and effective communication throughout. Highly recommended.
Ryan Lymer
Ryan Lymer
I did an online multi-quote, gave me multiple quotes from companies in my area, and a few from outside my region. Thought to myself, that's too good to be true, so I disregarded it. About 20 minutes later, Amy, from Duliban Brokers gave me a call. She was very professional and very informative. Gave her the basic information to start a policy. Even though their offices closed at 2pm on Saturday, she went above and beyond with setting everything up for me on her end. Everything was online and easy. Had my new vehicle insured for the following Monday. Would absolutely recommend friends and foes to consider using Duliban Insurance Brokers for their insurance needs. Thank you so much Amy, I am beyond happy with my service.
Mike Virk
Mike Virk
Must give them try holly Moore gave me 5 star service.
John Delgaty
John Delgaty
A huge thank you to Domenic Tollis for finding the best possible insurance coverage for our vehicles and home. Domenic has excellent communication skills, is proactive and patient. He answered all of our questions and worked hard on the various scenarios presented to him. Other companies should take note of this kind company/client relationship. Well done Domenic and Duliban Insurance!!
Joan D
Joan D
Our car insurance was coming up for renewal with TD Insurance and I tried to get a lower rate with no luck. I didn’t have the time or energy to call multiple insurance companies for quotes. I’ve never used a broker before and a friend recommended Duliban. I’m so glad I called! It took 20 minutes on the phone with Warren Drake and I saved $160 per month for our cars and we have a 17 year old casual driver in the house. Our coverage is all the same except lower deductibles with Duliban (CAA had the best rates for us). The rates for home insurance were so good that we renewed early and took a penalty. I wouldn’t hesitate to recommend Duliban and Warren Drake, very professional, great customer service and they’re local to Niagara 😊
Raelynn Found
Raelynn Found
Holly provided excellent customer service and made my transition from my previous Insurance company quick and easy. She provided me with a rate at half the price I was previously paying. We spoke over the phone and via text which made it very easy for contact throughout my busy day. I highly recommend Holly and Duliban Insurance!!!

The Duliban Hometown Advantage

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