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

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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.

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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.

Business contents

Inventory, furniture, computers, supplies and anything else you keep on your business premises can be covered for damage and theft.

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.

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.

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

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Product liability

Covers product defects and improper labeling leading to injuries or property damage. Includes court-awarded damages, legal fees and more.

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.

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.

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Group benefits

The market for talent is highly competitive. An attractive employee benefits program, including a drug plan, can help your organization stand out.

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Frequently asked questions about business insurance

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

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.

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)

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.