Commercial insurance, placed with care
for businesses across Ontario.
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Service & Support:
- Follow-up from a licensed broker within 24 hours
- Policy Review and Comparison
- Risk Assessment
- Help with certificates of insurance, policy changes and contract reviews
- Renewal planning well before your policy expires
Quick answer
Does commercial insurance in Ontario include liability and property?
Commercial insurance in Ontario typically includes commercial general liability and commercial property as its core, with commercial auto, business interruption, professional liability, cyber and product liability added depending on the business. A licensed insurance broker, regulated by RIBO, compares insurers and arranges the package. CommercialInsurance.ca is a free referral service, not an insurer or broker, that connects Ontario businesses with a broker who follows up within 24 hours.
What types of commercial insurance can a broker help with?
A broker in our network can help with commercial general liability, commercial property, commercial auto, business interruption, professional liability, cyber and product liability, as well as employee benefits through licensed advisors.
Commercial General Liability (CGL)
Product Liability Insurance
Product Recall Insurance
Professional Liability (E&O)
Builder’s Risk Insurance
Pollution Insurance
Umbrella Insurance
Directors & Officers (D&O)
Employment Practices Liability (EPL)
Cyber Insurance
Trade Credit Insurance
Cargo Insurance
Freight Forwarder Insurance
Legal Expense Insurance
Event Insurance
Commercial Auto Insurance
What happens after you request commercial insurance?
After you request commercial insurance, we send your details to a licensed broker in our network, who contacts you within 24 hours to review your needs and provide terms.
1Discovery Call
(30 to 45 min)Understand operations, contracts, assets, and loss history.
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We will request your
expiring policies and loss runs.
2Risk Mapping
(1 to 3 days)Document exposures, limits, sublimits, deductibles, and endorsements that fit your contracts.
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3Market Placement
(2 to 5 days)Approach the right markets
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and negotiate terms, exclusions, and deductibles.
4Proposal & Bind
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Side-by-side options in clear wording, so you can choose with confidence.
5/5 rating on GoogleThe Commercial Insurance Difference: Feedback from those referred
Proactive Broker Relationship.
The most noticeable difference was the fact that I no longer felt that I was needed to manage the broker... the brokers came to me with proactive recommendations and knew when to push and shop the market and when not to. When the topic of business insurance comes up, I always refer fellow business owners.
Steve T
Security Blanket For My Business
I was always the type of customer that never believed in insurance and only really got it because I had to. Then I connected with a broker through Commercial Insurance.ca and they asked me questions no one else ever did and that's how I knew something was different. They took the time to understand and evaluate the risks. Well, I ended up getting some extra coverage (legal expense) and thank goodness I did. Something fairly innocent turned into something quite nasty and I didn't have to do too much... my coverage took care of it. Now I look at Insurance as a security blanket for my business.
Michael L
They had my back
No one likes buying insurance because it's a bit of a bet against yourself. You just hope that when the bad things happen that insurance will do what it said it would do in the first place. Their specialist stand behind the policy's that they bind. They never professed to get me the best price, but they did say they have my back, and have my back, they did.
Steph P
Resources & FAQs
Do you offer instant quotes?
Instant quotes are not something we offer. We connect you with an insurance professional in our network to review your coverage requirements and they will provide you with terms.
How long does it take?
Once we receive your information we will send it off to someone in our network and they will connect with you within 24 hours. The time from first contact to bind can take anywhere from 2 - 10 business days depending on the complexity of your business
Can you help with contract requirements?
The broker will review any contract requirements you have and will provide terms in order to support them
Are you a broker
CommercialInsurance.ca is not a broker: it is a free referral service. We connect Ontario businesses with licensed insurance brokers, and employers and individuals with licensed life and health advisors, who quote and place the coverage.
What do you need to start?
Your name, phone number and company name. An Insurance professional will connect with you to go over the rest
Does it cost anything to use CommercialInsurance.ca?
CommercialInsurance.ca is a free referral service for Ontario businesses. You share a few details and a licensed professional in our network follows up to review your needs. There is no cost to be matched.
Who will contact me after I submit a request?
Business insurance requests go to licensed Ontario insurance brokers, who are licensed by RIBO. Employee benefits and individual life, health, disability and travel requests go to licensed life and health advisors, who are licensed by FSRA. The professional who contacts you will review your needs and explain your options.
Is commercial insurance mandatory in Ontario?
Most commercial insurance is not required by law, but commercial auto insurance is mandatory for vehicles and many employers must register with WSIB. Landlords, lenders and clients also commonly require general liability and other coverage in their contracts. A broker can confirm what your business and your agreements need.
Can new or small businesses get commercial insurance?
New and small businesses can get commercial insurance. Brokers work with startups, sole proprietors and small businesses every day, and many insurers offer package policies for smaller operations. New businesses are usually assessed on their planned operations, experience and projected revenue. Tell us about your business and we will connect you with a broker who fits.