In business and insurance, one size does not fit all!

Your business is your livelihood. You don’t take risks with your family, why take them with your business?

What is business / commercial insurance?

Essentially, the term “business” or “commercial” insurance refers to an insurance policy and coverage types for all businesses and corporations. However, with different sizes and types of businesses comes a uniquely-tailored insurance policy. In simple terms, when it comes to business insurance, isure recognizes that policies are NOT one size fits all.

Why do I need commercial insurance?

Commercial insurance is crucial in protecting a business from potential loss caused by unforeseen and unfortunate circumstances.

Why choose isure as your commercial insurance broker?

At isure, we understand your business. We understand that every business, big or small, is unique, and so are your business needs. As a result, your insurance policy should reflect this in order to ensure that your business assets are properly insured and protected. We are there for you when you need it most and will work tirelessly to provide you with:

Affordable business insurance options

Flexible insurance coverage/policies

isure’s knowledgeable brokers

Certificate of Insurance for Businesses

A Certificate of Insurance in Ontario is an essential documentation for business owners. These are our tips on how to make the process as simple as possible:

What are the requirements for obtaining a COI?

In order to conduct business in Ontario, you will need to obtain a Certificate of Insurance. This certificate will serve as evidence of your insurance coverage and financial capability in the event of a claim. Obtaining a business Certificate of Insurance will protect you if someone files a lawsuit against your organization. Here are some of the considerations when it comes to your business COI. If you are a contractor or business owner, obtaining a Certificate of Insurance is mandatory.

What is the cost of a Certificate of Insurance?

You can purchase a Certificate of Insurance from your insurance provider, free of charge. The Certificate of Insurance is your proof of insurance coverage, and it is required by others who need to know if you’re covered in case of an insurance claim. These requests can be related to potential lawsuits or other financial interests. In order to avoid these costs, make sure you have all the information needed in order to process your request quickly and accurately.

Additional Insureds required

In Ontario, Additional Insureds must be named on a Certificate of Insurance before a permit can be issued. These Additional Insureds may include partners, clients or business owners. However, the coverage that these individuals and entities receive depends on their relationship to the insured. 

To learn more, read our FAQ article on COIs, or give our team a call at 1-877-514-7873.

Industries Served:

Entrepreneurs/Small Business
Home-Based Businesses
Manufacturing & Wholesaling
Commercial Insurance quotes

Get a business insurance quote today and see how much you can save in worry (and in money) on your insurance!

FAQs about Professional Liability Insurance 

Who needs Professional Liability insurance?

Anyone who provides expert advice to their clients should have Professional Liability insurance to protect their business from lawsuits and other expensive claims. isure provides Professional Liability insurance policies to:

  • Consulting companies 
  • Construction and building 
  • Finance and banking 
  • Real estate 
  • Auto industry jobs 
  • Hospitality and food services 
  • Travel agents 
  • Recruiter and employment agencies 
  • Photographers and graphic designers 
  • Schools and teachers 
  • Lawyers 
  • Retailers and local stores 
  • Licensed medical experts 
  • Media personnel 
  • Engineers 
  • IT 


and many more! 

What does Professional Liability insurance cover?

Professional Liability will cover defense costs and indemnity of any allegations of error, omissions, negligent acts, breach of duty, misrepresentation or misleading statements in the rendering of professional services, whether true, groundless or frivolous. Professional Liability insurance provides financial protection from the following claims: 

  • Lawyer fees 
  • Defamation lawsuits 
  • Intellectual property costs 
  • Documentation loss 
  • Malpractice claims 
  • Accused negligence 
  • Errors in the field 
What is not covered by Professional Liability insurance?

Our policies cover a lot, though no Professional Liability policy can protect you from: 

  • Illegal activities 
  • Fraud 
  • Intentional errors 
  • Falsifying estimates 
  • General liability 
  • Property damage 
  • Employee workplace injuries 
Do I legally need Professional Liability insurance?

Some practices do require a level of Professional Liability insurance, though it is recommended, even when not required by the law or if you run your own company/business/practice. 

I have General Liability insurance. Do I also need Professional Liability insurance?

Yes, General Liability insurance covers financial costs associated with physical damages to property or people by nonprofessional acts. If you do not have Professional Liability insurance, you are leaving your company extremely vulnerable. 

FAQs about Commercial Auto Insurance 

Does my Commercial Auto policy include personal use?

Yes, claiming your car under “Business Use” is an effective way to cover the vehicle you use for both personal and commercial use. Without Commercial Auto insurance, accidents that occur during work duties are not covered and can result in extreme costs down the road. 

Who has the best Commercial Auto insurance?

That question doesn’t have a universal answer. Instead, each provider is best fit for specific drivers. To get access to all the best policies and rates, use isure as your broker and get exactly what you need, any day of the week! 

Who is insured on my Commercial Auto policy?

You can always double-check this information on your policy, though typically both owner and employees are covered under a Commercial Auto insurance policy. 

What is Fleet insurance?

Speak to a skilled isure professional about insuring all of your business vehicles. This is especially ideal for anyone who makes deliveries with different vehicles types. 

Is driving clients considered “Commercial?”

Yes. Any activity that has to do with your business is considered commercial and you require a Commercial Auto insurance policy. 

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What is Liquor Liability?
What is Liquor Liability?

What is Liquor Liability?

When running a business, the opportunity to partake in an alcoholic beverage can sometimes add to the business’ success. However, alcohol consumption also increases the risk of possible injury and property damage. When holding an event, as the host you are placed in a unique position to look after the well-being of your guests. Liquor liability can help protect you and your business.  If you are looking at opening a bar or restaurant, or if your company is thinking of hosting an event, here are some common questions insurers are asked about liquor liability.

Business Insuranceinews
liquor liability insurance for businesses - Socialising office colleagues raising glasses and making a toast with drinks after work
Liquor Liability Insurance for businesses

Liquor Liability Insurance for businesses

While a liquor licence can be very profitable for restaurants, there are some things you should keep in mind before applying for one. Standard liability insurance does not cover liquor-related claims. This includes intoxicated patrons who injure themselves or others while in or outside your restaurant. Liquor liability insurance is not only recommended for restaurants that wish to serve alcohol, but any business that sells, serves, or facilitates the purchase or consumption of alcoholic beverages.  If you are a someone who is planning to serve liquor in relation to your business, read on to learn more about liquor liability for businesses.