Business & Commercial Insurance
Protecting businesses across Canada* — from new entrepreneurs to established companies with complex insurance requirements.
Commercial Insurance — Canada*
Commercial Insurance for Canadian Businesses
Based in London, Ontario, our commercial insurance team serves businesses across Canada* — from new entrepreneurs and small businesses to established companies with more complex insurance requirements.
Our goal is to help business owners understand their risks and keep their insurance program aligned with the business — whether you are opening your doors for the first time or expanding into new markets.
Coverage by Product
Commercial Insurance Products
Explore each coverage type in detail — what it covers, who needs it, and how it fits into your overall program.
Coverage by Industry
Industries We Serve
Industry-specific insurance programs for businesses across Canada* — built around the risks your sector actually faces.
Our Approach
Helping Canadian Businesses Manage Risk
For a New Business
For a new business, insurance is often one of the many decisions that must be made before opening the doors. Our brokers can help you identify the coverages you need from day one and build a program that fits your budget.
For an Established Business
For an established business, the risks can change as the company hires employees, acquires property and equipment, signs contracts, adds vehicles, expands operations or begins serving new markets. Our goal is to help business owners understand those changes and keep their insurance program aligned with the business.
Common Questions
Commercial Insurance Questions
What is professional liability insurance?
Professional liability insurance — also called Errors & Omissions (E&O) insurance — can respond to eligible claims alleging professional errors, omissions, negligence, or failure to perform professional services, subject to the policy wording.
It is commonly considered by consultants, technology firms, engineers, accountants, real estate professionals, and other service-based businesses. Not every profession automatically requires this coverage — whether it is appropriate may depend on contractual, professional, or regulatory requirements specific to your business. Speak with a broker to discuss whether professional liability coverage is relevant to your situation.
What is commercial auto insurance?
Commercial automobile insurance covers vehicles used for business purposes. It differs from personal auto insurance in that it is designed for business use, higher mileage, commercial cargo, and in some cases multiple drivers or employees operating the vehicle.
Canadian businesses that use vehicles for deliveries, client visits, or other commercial activities may require commercial auto coverage depending on vehicle ownership, use, and applicable provincial regulations. Fleet coverage is available for businesses operating multiple vehicles.
How much does commercial insurance cost in Canada?
Commercial insurance pricing across Canada depends on a range of factors including business type, revenue, location, operations, number of employees, property values, vehicles, claims history, coverage limits, deductibles, and contractual requirements. There is no single standard price.
A broker can review your business, identify the coverages appropriate for your situation, and compare options across multiple insurance markets. Request a commercial insurance review to get started.
What insurance does a commercial plaza owner, motel, or apartment building owner need?
Property owners may need different combinations of coverage depending on the property type and operations. Common considerations include:
- Commercial property insurance
- Commercial general liability
- Business interruption or rental income coverage
- Equipment breakdown insurance
- Commercial umbrella or excess liability where appropriate
- Environmental or other specialized coverage where applicable
Not every property requires every coverage. A broker can help identify what is appropriate for your specific situation and compare options across multiple markets.
What insurance does a restaurant need?
Restaurants typically consider commercial property, commercial general liability, and business interruption insurance as a starting point. Depending on the operation, additional considerations may include:
- Equipment breakdown coverage
- Food spoilage or contamination coverage
- Liquor liability where alcohol is served
- Commercial auto where applicable
- Employee-related coverage where applicable
The right combination depends on the specific restaurant, its operations, and applicable requirements.
What insurance does a manufacturing business need?
Manufacturing businesses often consider commercial property, commercial general liability, business interruption, and equipment breakdown insurance as a foundation. Depending on the products manufactured and operations, additional considerations may include:
- Product liability coverage
- Commercial auto or fleet coverage where applicable
- Cyber insurance where applicable
- Environmental or pollution coverage where applicable
Manufacturing risks vary significantly by industry and operation. Contact our team to discuss coverage appropriate for your business.
What insurance does a landscaping company need?
Landscaping companies commonly consider commercial general liability, tools and equipment coverage, and commercial auto insurance. Depending on the size of the operation, additional considerations may include:
- Fleet coverage for multiple vehicles
- Commercial property where applicable
- Employee-related coverage where applicable
- Seasonal or business interruption considerations
Coverage needs vary by business size, services offered, and applicable contracts.
Have a question about your business insurance?
Our brokers serve businesses across Canada.* No obligation — just straightforward advice.
Independent Advice
We compare options from multiple insurers — not just one company.
Coverage Gap Review
We review your existing program and identify gaps before a claim reveals them.
Claims Support
We advocate for your business throughout the claims process.
Talk to a Commercial Insurance Broker
Our brokers can review your existing insurance, identify potential coverage gaps and evaluate options as your business grows. Contact our London North office for a no-obligation conversation.