Coverage shaped around how your business actually operates.
Whether it's a customer injury, a client dispute over your advice, or a fire that shuts your doors for months, business insurance is what keeps a single bad day from becoming the end of your business.
Tell us what you need and we'll connect you with a licensed insurance advisor. Talking to an advisor carries no obligation.
Common parts include property (your premises, equipment and stock), liability (injury or damage you cause to others) and business interruption (lost income after a covered loss). Which parts you need depends on what your business does.
Commercial general liability covers injury or property damage to other people connected to your business. Professional liability, sometimes called errors and omissions, covers claims that your advice or services caused a client a financial loss.
Often only in a very limited way, if at all. Many policies cover little or nothing for business equipment, clients or income. Ask your insurer or an advisor what applies before you rely on it.
Cyber policies can help with costs after a data breach or cyberattack, such as restoring data, notifying customers, legal costs and sometimes lost income. What is covered, and the limits, vary by policy.
The kind of work you do, your revenue and payroll, your claims history, the value of what you're protecting, and the limits and deductibles you choose. Insurers usually need a detailed picture of the business to price it.
Pick your province or territory for a plain-language overview of how insurance works there.