Commercial Insurance in Hamilton

Most need commercial property, equipment breakdown, general and product liability, and business interruption. Depending on the operation, pollution liability, cargo and product recall may also apply.

Most CGL policies have a broad pollution exclusion. A separate pollution liability policy is usually needed for environmental exposures.

Yes. We connect residential and commercial landlords with brokers who place landlord and multi-unit property coverage.

Yes. The brokers we work with serve businesses across the Hamilton and Halton area and the rest of Ontario.

Most business insurance is not required by law in Ontario, but some coverage is. Commercial vehicles must carry auto insurance, and many employers must register with the WSIB. Leases, lenders and customer contracts also commonly require general liability and property coverage, so the practical requirements are often set by your agreements.

Cost typically depends on your industry and operations, revenue, payroll, property values and construction, the limits and deductibles you choose, and your claims history. Industrial processes, hazardous materials stored on site and older buildings can add underwriting considerations. A broker can show how design choices change the price.

Have a description of your operations, annual revenue and payroll, number of employees, building and equipment values, vehicle details and your claims history ready. If you already have coverage, bring your current policies and loss runs. Any contract or lease insurance requirements are also useful.

Yes. Start-ups and small businesses can usually get coverage, and many start with a business insurance package that bundles liability and property protection. A new business with no claims history may be asked for more detail about the owners' experience, so a broker who knows your industry can help present your business well.