Small-Medium Business Insurance

You need to protect yourself against liabilities arising from your work

As a small or medium business owner, you need to protect yourself against liabilities arising from your work. Whether you are a retailer, consultant, or contractor, isure insurance recognizes the risks your small or medium business may face. 

Our professional insurance brokers at isure understand that no two businesses are alike, and that is precisely why our insurance solutions are customized to match your small or medium business needs.

Are you wondering if your small or medium business requires insurance? If you offer a professional service, build or sell things, then you will need small business insurance.

Who needs small/medium business insurance?

If your small or medium business provides a professional/creative service or offers advice/ recommendations, you will need small/medium business insurance. There are different types of insurance coverages for small or medium business owners who provide a service, and some of these are:

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Business liability

$
Property insurance
$
Errors & omissions
$
Commercial auto
$

Cyber coverage

Do you sell goods from a store, online or at home? Ensure you have the necessary insurance to protect your small or medium business needs. Running a retail business takes effort, dedication and passion. Don’t put your inventory, business and customers at risk by not getting the necessary insurance. 

As a small or medium business owner who sells goods, consider the following insurance coverages:

$

Business interruption

$

Business liability

$
Property insurance
$
Employee protection
$
Commercial auto
$
Personal home and auto

Do you offer contract services as a small or medium business owner? Get contractor’s insurance and protect your equipment and tools against insurable loss. Recovering from an uninsured loss can be devastating for small or medium business owners and negatively affect their reputation in the industry. 

Contracting and construction business owners have different kinds of coverages available to them:

$

Property insurance

$

Business liability

$

Equipment breakdown insurance

$

Cyber coverage

$

Commercial auto

Do you offer contract services as a small or medium business owner? Get contractor’s insurance and protect your equipment and tools against insurable loss. Recovering from an uninsured loss can be devastating for small or medium business owners and negatively affect their reputation in the industry. 

Contracting and construction business owners have different kinds of coverages available to them:

$

Property insurance

$

Business liability

$

Equipment breakdown insurance

$

Cyber coverage

$

Commercial auto

FAQs about Ontario Small Business Insurance 

Why do I need Small Business insurance?

When you purchase Small Business insurance, you are protecting yourself from more than you think! 

  • Get more customers: Customers will be happy to see you are on top of things with the proper insurance coverage. 
  • Hosting coverage: Host events safely knowing that you are covered with insurance. 
  • Renting: Rental companies may require proof-of-insurance before they allow you to sign a lease. 
  • Get more in loans: Banks will likely be more inclined to loan you money if you are insured. 

and more! 

Can I get General Liability insurance for a small business?

General Liability insurance is available from a number of providers for small businesses. Speak with an isure broker to go through your options! 

What does Small Business insurance cost?

The same way no two small businesses are the same, no two policies will be the same. Depending on your coverage needs, the cost of your policy will vary. For a better idea, request a free isure quote! 

What is the minimum for Small Business insurance?

There is no legal requirement – the amount you need will depend on your specific vulnerabilities and risks. 

What type of insurance benefits a small business in Ontario?

Typical coverage includes property, liability, and auto. Your policy will vary based on the following factors:
 

  1. Business type 
  2. The size 
  3. What you offer, both service and product-wise 
How can I get a small business insurance quote?

Get your free quote below by filling in the isure quote form! 

Do I need insurance if I am the only member of my business?

If you are a business of any size, you will benefit from insurance. Speak with one of our knowledgeable brokers and discuss the coverage that is right for you. 




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    What small/medium business insurance coverage do I need?

    At isure, we offer several types of coverages for small or medium business owners:

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    Commercial General Liability

    This coverage helps keep costs to a minimum if your small or medium business faces a liability claim for property damage or bodily injury to a third party. Workplace injuries, such as someone slipping and falling, could result in expensive lawsuits. As a small or medium business owner, make sure you protect your investments by securing a comprehensive liability policy.
    R

    Commercial Property

    Covers repair or replacement costs due to theft or damage to your building, inventory, equipment, electronics or furniture. Commercial property insurance is necessary to protect the building and its contents in the event of a loss.
    R

    Professional Liability

    This can help lower the costs associated with lawsuits arising out of error or omission in your work. Even a tiny mistake can result in a significant loss for clients and consequently put your small or medium business at risk of lawsuits.
    R

    Cyber Coverage

    Helps cover some of the costs associated with data breaches and hacks. As cyber-attacks on small and medium businesses continue to rise, the consequences of a data breach can be catastrophic. This is true if your small or medium business stores sensitive customer information, such as credit card details, email addresses and other data.

    Contact isure insurance to get a quote for your small or medium business insurance needs. We also specialize in helping you find auto, home & business insurance in Ontario.

    Not sure where and how to start?

    isure experts are here to HELP you.