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Business Insurance

Commercial coverage built around how you actually operate.

From sole proprietors to multi-location operations — I design commercial insurance programs that protect your assets, your team, and your future growth.

Why It Matters

One uncovered claim can undo years of growth.

Most small and mid-sized Ontario businesses run on tight margins and outdated policies that haven’t kept up with how the business has evolved. New services, new clients, new equipment, new staff — each shifts your risk profile.

I sit down with you, audit your current operations against your current policy, identify gaps, and rebuild the program with the right coverage at the right premium. No template policies. No generic packages.

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Business Insurance
Coverage Areas

The pieces of a complete commercial program.

A typical SMB program combines several of these. I'll help you decide which apply.

01

Commercial General Liability (CGL)

Foundational coverage for third-party bodily injury, property damage, and advertising injury claims.

02

Commercial Property

Buildings, contents, inventory, tools, and equipment — protected against fire, theft, vandalism, and named perils.

03

Business Interruption (BI)

Replaces lost income and pays continuing expenses if a covered claim shuts you down temporarily.

04

Professional Liability (E&O)

For consultants, advisors, and service providers — covers claims of negligence or failure to deliver.

05

Cyber & Privacy

Increasingly essential. Covers breach response, ransomware, and third-party privacy claims.

06

Commercial Auto & Fleet

Single vehicles to full fleets — including delivery, contractor vehicles, and hired/non-owned auto.

07

Group Benefits

Health, dental, and disability benefits packages that help you attract and retain employees.

08

Crime & Employee Dishonesty

Protects against losses from theft, fraud, or forgery by employees or third parties — critical for businesses handling cash or client funds.

Industries Served

Tailored programs across Ontario sectors.

Contractors

Real Estate

Professional Services

Transportation

Retail & E-Commerce

Restaurants & Hospitality

Manufacturing

Tech & SaaS

Let's Audit Your Coverage

Send a few details and I'll review your current program (or build one from scratch) — usually with options back to you within 1–2 business days.

No obligation. Strictly confidential.

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