Every business faces unique risks. Whether you're a sole proprietor, a growing SME, or an established company — I'll build a commercial insurance program that protects your assets, your people, and your bottom line.
Get My Free Commercial QuoteA single gap in your commercial coverage can put your entire business at risk. I review your operations thoroughly and build a program that covers every angle — so you can focus on running your business.
Protects your business premises, equipment, inventory, and assets from fire, theft, vandalism, and other covered perils.
Protects your business if a third party — a customer, supplier, or member of the public — suffers bodily injury or property damage because of your operations.
Errors & Omissions insurance protects professionals and consultants if a client claims your advice or services caused them a financial loss.
Covers vehicles owned or operated by your business — from a single delivery van to a full fleet of trucks or company cars.
If your business is forced to close due to a covered loss, business interruption insurance replaces your lost income and covers ongoing fixed expenses.
Protects directors, officers, and board members from personal financial loss arising from claims of wrongful acts in their management decisions.
I work with businesses across a wide range of industries in Ontario. Every sector has unique risks — and I understand them.
Commercial insurance is not one-size-fits-all. I take the time to understand your operations, your exposures, and your budget before recommending any coverage — and I shop multiple insurers to find the best fit.
I review your operations in detail to identify exposures you may not have considered — before a claim reveals them.
I build commercial programs from the ground up, not off a shelf. Every coverage limit and deductible is chosen deliberately.
I work with multiple commercial insurers to find competitive pricing and coverage terms for your specific industry.
When a business claim happens, the stakes are high. I advocate on your behalf and help keep your business running through the process.
Common questions from Ontario business owners about commercial coverage, requirements, and costs.
It depends on your business type. Commercial auto insurance is legally required for business vehicles. Many regulated professions (lawyers, accountants, engineers) require professional liability insurance. Landlords often require tenants to carry liability insurance. Beyond legal requirements, the real question is: could your business survive an uninsured loss? For most, the answer is no.
Commercial General Liability (CGL) covers bodily injury and property damage to third parties arising from your business operations. Professional Liability (E&O) covers financial losses a client suffers due to errors, omissions, or negligence in your professional services or advice. Many businesses need both — they protect against very different types of claims.
It depends on your industry, contract requirements, and risk exposure. Most small businesses carry $2M in CGL, but many contracts — especially with government, large corporations, or in construction — require $5M or more. I'll review your contracts and operations to recommend the right limit for your situation.
Standard home insurance policies have very limited coverage for business activities — typically capped at $5,000 for business equipment and no liability for business-related incidents. If clients visit your home, you have employees, or you rely on business equipment to earn income, you almost certainly need a separate commercial policy or endorsement.
Business interruption (BI) insurance covers your lost revenue and ongoing fixed expenses — like rent, salaries, and loan payments — if your business is forced to close due to a covered loss like a fire or flood. It bridges the gap while you rebuild or relocate. Note: BI typically requires a physical damage trigger, so pandemics are generally excluded.
Commercial premiums depend on your industry, revenue, number of employees, claims history, location, coverage limits, and specific risk factors. I gather all of this information and submit it to multiple insurers simultaneously — so you get competitive pricing without having to do the legwork yourself.
Fill out the form and I'll reach out to discuss your business, assess your risks, and come back with coverage options that fit your operations and budget.