Small Business Insurance

One package that protects your property, your liability, and your income.

Small businesses need broad protection without enterprise complexity. A business owner's package combines property, liability, and business-interruption coverage into one policy built for shops, offices, and service businesses across Ontario.

We tailor the package to your industry — retail, professional services, food, and more — so you're covered for the risks specific to your work.

What's covered

Commercial general liability
Business property, contents, and equipment
Business interruption and lost income
Optional professional liability (errors & omissions)
Optional cyber and equipment-breakdown add-ons

Good to know

Frequently asked questions

Do I need business insurance as a sole proprietor?: Yes — as a sole proprietor you're personally liable for business claims. A package policy protects your business and personal assets.
Can I run my business from home?: Home-based businesses usually need their own coverage; a home policy rarely covers business activity. We'll set up the right protection.
Will it cover lost income if I have to close temporarily?: Business-interruption coverage replaces income after a covered loss like a fire. We'll size it to your revenue and recovery time.

Insurer partners

Insurers we compare for small business insurance

We shop these partners to find the right coverage and price for you.

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Frequently asked questions

Do I need business insurance as a sole proprietor?

Yes — as a sole proprietor you're personally liable for business claims. A package policy protects your business and personal assets.

Can I run my business from home?

Home-based businesses usually need their own coverage; a home policy rarely covers business activity. We'll set up the right protection.

Will it cover lost income if I have to close temporarily?

Business-interruption coverage replaces income after a covered loss like a fire. We'll size it to your revenue and recovery time.