Commercial insurance built around what you actually do.

A contractor, a restaurant and an online business do not create the same risks. Start with your operation, then build the coverage around it.

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What kind of business do you run?

Your industry changes the exposures, questions and coverage that should be reviewed.

ContractorTools, job sites, liability, vehicles RestaurantPremises, property, liability, equipment RetailStock, premises, liability, interruption ProfessionalOffice risks, liability, professional exposures E-CommerceProducts, inventory, liability, cyber considerations CleaningLiability, equipment, customer premises TechnologyProfessional, cyber and property exposures OtherTell me what your business does

COMMERCIAL FIRE

Some scenarios are better left in the comics.

We hope you never need your insurance — but if you do, we’ll be ready.

Commercial fire insurance comic

Common commercial coverages.

The right combination depends on your operation, contracts, property, vehicles and the work you perform.

Commercial General Liability

Protection for certain third-party bodily injury and property damage claims arising from business operations.

Property & Equipment

Coverage can be structured around premises, stock, tools, equipment and other insured business property.

Commercial Auto

Vehicles used for business may require coverage designed around the actual commercial use.

Example: contractor coverage.

A contractor may need more than one policy section. Common considerations can include liability, tools and equipment, commercial auto and property protection.

Start with the work

The type of work, annual revenue, employees, subcontractors, job locations and contracts can all change what an insurer needs to know.

Tell me what your business does.

We can start from the actual operation instead of forcing it into a generic template.

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Commercial insurance FAQs

Insurance terms can sound more complicated than they are. Here are the important ones in plain English.

What is Commercial General Liability (CGL)?

CGL can help protect a business against certain third-party claims for bodily injury or property damage arising from its operations, products or premises, subject to the policy.

Why would a small business need liability insurance?

Even a small claim involving a customer injury or damaged property can create legal and defence costs. Liability insurance transfers certain covered risks to the insurer.

What is commercial property coverage?

It can protect insured business property such as equipment, inventory, contents and, where applicable, the building against covered causes of loss.

What is Business Interruption coverage?

After an insured property loss, this can help with certain lost income and continuing expenses while operations are interrupted, subject to the policy and waiting periods.

What is equipment breakdown coverage?

It can cover certain sudden and accidental mechanical or electrical breakdowns of insured equipment that ordinary property coverage may not address.

What is professional liability / E&O?

Errors & Omissions coverage can protect against certain claims alleging financial loss caused by professional advice, services, errors or omissions. It is different from general liability.

What is cyber insurance?

Cyber coverage can help with certain costs and liabilities arising from events such as data breaches, cyberattacks or privacy incidents. The exact protection varies significantly by policy.

Do contractors need special insurance?

Often yes. Contractors may need CGL plus protection for tools, equipment, installation risks, vehicles or other exposures depending on the work they perform.

What should a restaurant consider?

Restaurants can have property, equipment, fire, food spoilage, customer liability, business interruption and other exposures. Coverage should reflect the actual operation.

Does commercial insurance cover company vehicles?

Not automatically. Vehicles used by a business generally require appropriate automobile coverage; the correct setup depends on ownership and use.

Why do you ask about revenue, payroll and operations?

Insurers use details such as what the business does, where it operates, revenue, payroll and claims history to understand exposure, determine eligibility and price the risk.

Can one policy cover every business risk?

Usually not. Commercial insurance is built from different coverages based on the business. The goal is to identify the exposures that actually matter instead of buying irrelevant protection.

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