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 brokerage 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.
Contractor insurance
We’ve got general contractor insurance for electricians, plumbers, painters, roofers and more, starting at under $1,000 a year.
More about Contractor insurance
Cannabis business insurance
We have full coverage for licensed producers along with medical and recreational cannabis retailers in Ontario.
More about Cannabis business insurance
Commercial landlord insurance
Own commercial spaces that you’re renting? We’ve got coverage to match the kind of businesses that operate there.
More about Commercial landlord insurance
Commercial truck insurance
We have affordable options to protect your trucking business, whether it be tankers, refrigerated trucks or flatbeds.
More about Commercial truck insurance
Drone insurance
We have drone insurance for commercial uses like construction and surveying, sporting events, filmmaking and more.
More about Drone insurance
Farm insurance
Coverage for your buildings, equipment, crops, livestock, on-site markets and other things critical to running your farm.
More about Farm insurance
Freelancer insurance
Whether you’re a writer, coder, graphic designer, yoga instructor or something else, we have affordable coverage for you.
More about Freelancer insurance
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.
More about Health professional insurance
Home business insurance
Run a daycare, web design or another type of business from home? We’ve got great rates for home-based businesses.
More about Home business insurance
Hospitality insurance
As an outlet for Canada’s best insurers, we have excellent coverage and rates for your hotel, bed and breakfast, resort or spa.
More about Hospitality insurance
Salon insurance
Whether you’re a hairstylist, cosmetologist, nail technician or own your own salon, we have the coverage you need.
More about Salon insurance
Personal trainer insurance
We have affordable insurance for personal trainers, Zumba, dance, martial arts and other types of exercise instructors.
More about Personal trainer insurance
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.
More about Private tutor insurance
Professional and consultant insurance
We have top-notch coverage for lawyers, realtors, accountants, tech and other business professionals in Ontario.
More about Professional and consultant insurance
Restaurant insurance
We’ll cook up some fantastic insurance savings for your diner, café, bar or bistro with coverage starting as low as $550 a year.
More about Restaurant insurance
Retail insurance
Whether you sell electronics, clothes or groceries, having the right retail coverage for your unique needs is essential.
More about Retail insurance
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:
Property
Coverage for your business property and any owned buildings if they’re damaged by fire, flood, lightning or vandalism.
More about commercial property insurance
Business contents
Inventory, furniture, computers, supplies and anything else you keep on your business premises can be covered for damage and theft.
More about business contents insurance
Commercial auto
Insurance for your company cars. It also covers business use of personal vehicles. Fleet policies are available for companies with five or more vehicles.
More about commercial auto insurance
Business interruption
Can provide income while you rebuild or recover from a break-in, fire or weather damage or any insured event that hurts revenues.
More about business interruption insurance
General liability
Coverage if the business is sued for property damage or injuries to non-employees. Pays court awards, settlements and legal fees.
More about CGL
Product liability
Covers product defects and improper labeling leading to injuries or property damage. Includes court-awarded damages, legal fees and more.
More about product liability insurance
Professional liability
If you’re a consultant, doctor, counselor or have a business that provides advice to clients, there’s coverage for mistakes or negligence.
More about professional liability insurance
Cyber insurance
Every company is vulnerable to hackers, malware, data breaches and other electronic mishaps. Cyber coverage helps your business recover.
More about cyber insurance
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.
Group benefits
The market for talent is highly competitive. An attractive employee benefits program, including a drug plan, can help your organization stand out.
Frequently asked 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.
