Commercial Insurance in Ontario
Oracle RMS Insurance – London North is a RIBO-registered independent commercial insurance brokerage based in London, Ontario. We serve businesses across Ontario with access to 100+ insurance markets.
RIBO-Registered Broker
Serving Ontario Businesses from London, Ontario
Our office is located at 1001 Adelaide Street North, Unit 202, London, Ontario. While London is our home base, we work with commercial clients throughout Ontario — from small businesses to larger commercial operations — primarily through remote consultation and digital service delivery.
As an independent brokerage, we are not tied to any single insurer. With access to 100+ commercial insurance markets, we can compare options across multiple insurers to find coverage appropriate for your specific business — rather than fitting your operation into a single company's standard program.
Our RIBO registration means we are licensed and regulated to sell property and casualty insurance in Ontario, and are subject to professional conduct and continuing education requirements.
Commercial coverages available across Ontario
Ontario
Commercial Insurance Questions for Ontario Businesses
What commercial insurance do Ontario businesses need?
Most Ontario businesses need commercial general liability (CGL) insurance as a foundation — it covers third-party bodily injury, property damage, and personal and advertising injury claims arising from your operations, products, or premises.
Beyond CGL, the right program depends on your specific situation. A professional services firm in Toronto has different exposures than a manufacturer in Hamilton or a contractor working across the province. We start by understanding your operations, assets, contracts, employees, vehicles, and revenue — then identify the coverages that make sense for your business. See our London, Ontario commercial insurance page for more detail on our local approach.
How much does commercial insurance cost in Ontario?
Commercial insurance pricing in Ontario 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 is a RIBO-registered insurance broker in Ontario?
RIBO stands for the Registered Insurance Brokers of Ontario — the self-regulatory body that licenses and regulates insurance brokers in Ontario. A RIBO-registered broker is licensed to sell property and casualty insurance in Ontario and is subject to professional conduct and continuing education requirements.
Oracle RMS Insurance – London North is RIBO-registered. When you work with a RIBO broker, you are working with a licensed professional who is accountable to a regulatory body.
Why use an independent commercial insurance broker in Ontario?
An independent commercial insurance broker works for you, not for any single insurance company. A broker compares coverage and pricing across multiple insurance markets, identifies gaps in your coverage, and advocates on your behalf at claims time.
Oracle RMS Insurance – London North works with 100+ insurance markets to find appropriate commercial coverage for businesses throughout Ontario. Our role continues after the policy is issued — through policy reviews, renewals, and ongoing discussions as your business evolves.
Ready to review your commercial insurance?
Our London, Ontario brokers serve businesses throughout Ontario. RIBO-registered. No obligation.