Business & commercial · Canada-wide

Insurance for Canadian small business.

General liability, professional liability, key-person, business interruption, cyber, group benefits, packaged for SMBs across the country. Custom advisor consultations because no two businesses are the same.

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1–500 employees

All industries quoted

Group benefits available

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Five coverage types

What Canadian SMBs typically need

Commercial general liability (CGL)

The foundation. Covers third-party bodily injury, property damage, and personal injury claims. Typically $1M–$5M limits. Required by most landlords, clients, and contractors.

Professional liability / E&O

Covers claims of professional negligence, wrong advice, missed deadline, faulty work product. Mandatory for many regulated professions (legal, accounting, consulting, design).

Business interruption

Replaces lost income while a covered loss (fire, flood, equipment breakdown) halts operations. Goes hand-in-hand with property cover. Most under-bought coverage.

Key person

Life or disability cover on a founder/principal whose loss would materially harm the business. Common in buy-sell agreements and lender requirements.

Cyber liability

Covers breach response, ransomware, business interruption from cyber events, and regulatory penalties. Increasingly required by enterprise clients during procurement.

Group benefits

Health, dental, vision, EAP, and group life/CI/disability for your employees. A talent-retention tool that's surprisingly affordable for groups of 2+.

Industry-specific

Coverage that matches your work

Professional services

E&O, cyber, employment practices liability. Office content cover. Increasingly: AI-output liability for consulting / advisory firms.

Construction & trades

CGL, builders risk, contract bonds, equipment floater, tools-in-transit, environmental liability. WSIB clearance management.

Healthcare

Malpractice, regulatory action coverage, business interruption, group benefits for staff. Specific carriers (CMPA, OPS for physicians).

Tech / SaaS

Tech E&O, cyber, intellectual property coverage, key person on founders, D&O for funded startups.

Retail / hospitality

Property, business interruption, product liability, liquor liability (for licensed venues), cyber for POS systems.

Manufacturing

Property, equipment breakdown, business interruption, product liability, recall expense, environmental.

Cost guide

Indicative annual ranges

Business profile	Annual premium range
Sole-prop consultant, $200K revenue, home office	$650–$1,250 (CGL + E&O combined)
5-person tech / SaaS company, $1M ARR	$3,500–$7,500 (CGL + tech E&O + cyber)
Construction contractor, 8 employees, $2M revenue	$6,500–$14,500 (CGL + property + tools)
Healthcare practice, 12 employees	$8,500–$22,500 (malpractice + property + group benefits)
Manufacturer, 40 employees, $8M revenue	$28,000–$65,000 (property + GL + BI + WC + cyber)

Sample ranges. Real premiums vary materially with claims history, revenue, payroll, building/equipment values, and risk profile. Custom quotes require an advisor consultation.

Carriers we work with

Commercial carriers

Intact Aviva Northbridge Wawanesa Travelers Canada Beazley CFC Underwriting

Specialty risks (large construction, manufacturing, healthcare, environmental, financial institutions) are placed through MGA wholesale markets. Custom appetite varies, your advisor sources the carrier with the best fit for your trade.

Common questions

Business insurance FAQ

Yes. CGL covers bodily injury and property damage, it does NOT cover claims of professional error. If a client sues because your advice cost them money, you need E&O. Many sectors mandate it.

CGL is typically occurrence-based (covers events during the policy period, even if claimed later). Professional liability is typically claims-made (covers claims reported during the policy period; you need to maintain continuous coverage or buy tail cover when you cancel).

Enterprise clients require proof of insurance (COI = Certificate of Insurance) and often want to be added as an additional insured on your CGL, meaning your policy responds first if they're sued for something arising out of your work. Standard, free, takes 24 hours.

Yes. Cyber claims hit accountants, lawyers, healthcare practices, small retailers, and trades constantly, phishing, business email compromise, ransomware. Standalone cyber is affordable ($800–$2,500 for SMBs) and pays for breach response, regulatory reporting, and lost income.