We know what it takes to run a business
Built by pioneers and entrepreneurs, we know what it takes to grow a company and keep it going, no matter what’s thrown its way. As a trusted outlet for Canada’s top commercial insurers, we have access to some of the best coverages in Ontario. From affordable out-of-the-box packages to custom solutions for specialized operations, we’ve got your business covered.
We’ve got general contractor insurance for electricians, plumbers, painters, roofers and more, starting at under $1,000 a year.Learn more
Cannabis business insurance
We have full coverage for licensed producers along with medical and recreational cannabis retailers in Ontario.Learn more
Commercial real estate landlord insurance
Own commercial spaces that you’re renting? We’ve got coverage to match the kind of businesses that operate there.Learn more
Commercial trucking and transport insurance
We have affordable options to protect your trucking business, whether it be tankers, refrigerated trucks or flatbeds.Learn more
We have drone insurance for commercial uses like construction and surveying, sporting events, filmmaking and more.Learn more
Coverage for your buildings, equipment, crops, livestock, on-site markets and other things critical to running your farm.Learn more
Whether you’re a writer, coder, graphic designer, yoga instructor or something else, we have affordable coverage for you.Learn more
Health professional insurance
As a healthcare provider, you’re exposed to a high level of daily risk and accountability. We’ll make sure you’re protected.Learn more
Home business insurance
Run a daycare, web design or another type of business from home? We’ve got great rates for home-based businesses.Learn more
Hospitality and lodging insurance
As an outlet for Canada’s best insurers, we have excellent coverage and rates for your hotel, bed and breakfast, resort or spa.Learn more
Insurance for beauty professionals
Whether you’re a hairstylist, cosmetologist, nail technician or own your own salon, we have the coverage you need.Learn more
Personal trainer insurance
We have affordable insurance for personal trainers, Zumba, dance, martial arts and other types of exercise instructors.Learn more
Private tutor insurance
We’ve got insurance coverage for private tutors and teaching pods in Ontario. Call us, we’ll make it as easy as ABC.Learn more
Professional and consultant insurance
We have top-notch coverage for lawyers, realtors, accountants, tech and other business professionals in Ontario.Learn more
We’ll cook up some fantastic insurance savings for your diner, café, bar or bistro with coverage starting as low as $550 a year.Learn more
Whether you sell electronics, clothes or groceries, having the right retail coverage for your unique needs is essential.Learn more
Get a business insurance quote
Being a trusted outlet for over 70 of Canada’s top insurers means you don’t have to shop around for a commercial insurance quote. We’ll do the work and get you some of the best rates and coverage in Ontario. Call us for a free consultation and no-obligation quote.
Key business coverages
Depending on the kind of business you run, there are lots of options for coverage. Here are a few essentials.
Coverage for your business property and any owned buildings if they’re damaged by fire, flood, lightning or vandalism.
Inventory, furniture, computers, supplies and anything else you keep on your business premises can be covered for damage and theft.
Insurance for your company cars. It also covers business use of personal vehicles. Fleet policies are available for companies with five or more vehicles.
Can provide income while you rebuild or recover from a break-in, fire or weather damage or any insured event that hurts revenues.
Coverage if the business is sued for property damage or injuries to non-employees. Pays court awards, settlements and legal fees.
Covers product defects and improper labeling leading to injuries or property damage. Includes court-awarded damages, legal fees and more.
If you’re a consultant, doctor, counselor or have a business that provides advice to clients, there’s coverage for mistakes or negligence.
Every company is vulnerable to hackers, malware, data breaches and other electronic mishaps. Cyber coverage helps your business recover.
Key person insurance
Life and disability coverage to keep a company afloat should an owner or other key contributor not be able to run the business.
The market for talent is highly competitive. An attractive employee benefits program, including a drug plan, can help your organization stand out.
Good to know: Common questions about business insurance
How much is business insurance in Ontario?
Premiums for business insurance vary more than for any other type of insurance, which makes sense when you consider a business can be anything from one person writing blogs from their home to a multinational corporation with thousands of employees.
Premiums for the smallest of businesses (no office, no vehicles) can start under $50 a month, whereas the largest businesses can sometimes pay hundreds of thousands a year in premiums. Factors that affect price include:
- The annual revenues of the business
- The number of employees
- The industry (a circus is much more risky than a deli)
- Whether the business has buildings to insure
- Whether the business has vehicles to insure
- The business’ experience and claims history
What is considered basic coverage for a business?
Every business, no matter how small, should have commercial general liability insurance, and even for a home-based business, coverage for its business assets like computers, supplies, tools and inventory. With businesses doing more and more business online and storing customer information electronically, cyber insurance is quickly becoming an essential coverage as well. Most small businesses can also benefit from commercial auto insurance.
Does commercial general liability (CGL) protect my business from all lawsuits?
Not necessarily. Commercial general liability coverage typically includes coverage for injuries or property damage to third parties that occur at the business premises or are the result of your business operations. If your business rents space, it may also include tenants legal liability, which protects your business if you damage the rented space.
There are other types of liability that may be excluded from CGL, including:
- Advertising injury (things like copyright, slander, libel and invasion of privacy)
- Product liability (injuries or damage caused by products you manufacture or sell)
- Professional liability (injuries or damage caused by bad advice or poor professional judgment)
- Cyber liability (costs arising from data breaches and cyber hacks)
- Non-owned auto liability (injuries or damage caused by one of your employees using a vehicle not owned by the business for business purposes)
- Pollution liability (injuries or damage resulting from a sudden escape of a gas or liquid)
How many different quotes should I get for my business insurance?
Business insurance is a little different than say auto insurance, in that there is no easy way to get a dozen quotes from a dozen different insurance companies. It is important to work with a broker that has contracts with a variety of commercial insurers, so you can feel certain that they will be able to find you coverage that is right for your business. Some commercial insurance companies love to insure contractors but won’t cover a cannabis shop. Our commercial insurance specialists at Mitch have relationships with dozens of the top business insurers in the country. They will sit down with you to make sure that they thoroughly understand the nature of your business, and then will likely get quotes from 2 or 3 insurers that they know have the right coverages for you at rates that work within your budget.