The Cost of Business Insurance and What Affects it, Explained
Insurance prices can always vary from small, medium and large businesses. There are several factors that can affect the overall cost of commercial insurance—the size of your business is only one condition. It’s important for all business owners to be aware of what could affect their business premiums, and what exactly they can do about it. In this article, we’ve outlined the five main factors that affect the cost of business insurance, as well as listed other contributing factors you should be aware of.
Understanding how these deductibles work is essential for Ontario business Read more
Whether you own a small retail shop, a consulting firm, Read more
The world of business can be confusing to navigate. When Read more
Bar Insurance: Why Every Pub Owner Needs It
Running a bar in Canada comes with unique risks—from liquor liability to property damage and customer injuries. This guide breaks down why bar insurance is essential, what it covers, how to reduce your premiums, and what to look for in a policy. Learn how to protect your bar from lawsuits, seasonal risks, and real-life incidents with the right insurance coverage.
From hotels and restaurants, to spas and golf courses, having Read more
Cafés, bistros, fine-dining establishments all have one thing in common Read more
While a liquor licence can be very profitable for restaurants, there Read more
AI and Insurance: What Brokers and Clients Need to Know
AI in insurance makes processes faster and more convenient for all involved. But what happens when AI gets it wrong? Where does the responsibility lie? Read on to learn more about how AI is transforming the insurance industry, however it is not flawless and brokers need to be vigilant.
Artificial Intelligence, also known as AI, can be found everywhere. Read more
Did you know there are variations of AVs? Let's explore Read more
Nowadays, AI is being used more than ever. From typing Read more
Commercial Insurance Markets Softening For Businesses In 2026
After years of rising premiums, Canada’s commercial insurance market is officially softening in 2026, shifting away from the restrictive “hard market”. Driven by increased insurer capacity, stronger reinsurance capital, and aggressive market competition, increases in renewal rates have dropped by roughly half across major sectors.
Insurance in Canada is changing fast, and 2026 will bring Read more
The Ontario insurance market is finally showing signs of softening Read more
Commercial property is critical to your businesses financial stability. Commercial Read more
What is a Certificate of Insurance (COI)? 2026 Breakdown
Whether you’re hosting an event or hiring a third party, understanding how COIs work can help protect your business from costly risks. A Certificate of Insurance is a document that verifies the existence of insurance coverage. Here is a breakdown of the most commonly asked questions about Certificates of Insurance.
Certificate of insurances (COIs) are required anytime a third party Read more
Whether your valet damages a customer’s vehicle in the parking Read more
Also known as Commercial Property insurance, we've answered some common Read more
Warehouse Safety: 12 Tips for a Secure Workplace
Ensure a safe and efficient warehouse environment with these essential warehouse safety tips. From forklift safety and proper attire to emergency preparedness and equipment maintenance, this guide covers everything you need to protect your employees, reduce accidents, and stay compliant with workplace safety standards.
If you offer specialized services like consulting, teaching or professional Read more
If you own a small, medium or even large business Read more
Learn how to implement effective risk management in your Ontario Read more
EIL Insurance: What is Environmental Impairment Liability?
The nature of many business operations means that pollution or environmental damage could occur at any time. Increased focus on our ethical responsibilities towards the environment has led businesses to be more mindful of the legal and reputational consequences of handling a pollution event. Environmental impairment liability insurance covers liability and cleanup expenses associated with pollution. In this article, we will discuss what EIL insurance is, list the industries that should carry it, and outline why your Commercial General Liability policy alone may not offer all the protection you need.
If you offer specialized services like consulting, teaching or professional Read more
Whether your valet damages a customer’s vehicle in the parking Read more
At isure, our brokers understand the risks that come along Read more
What Are The Benefits And Risks Of AI To Your Business?
Artificial intelligence is transforming how businesses operate by improving efficiency, automating repetitive tasks, and enhancing data analysis. While AI offers major advantages such as cost savings and 24/7 support, it also presents risks including privacy concerns, bias, and potential job displacement. Understanding both the benefits and risks of AI helps businesses adopt this technology the right way.
Artificial Intelligence, also known as AI, can be found everywhere. Read more
Cars and trucks that drive themselves could hit the road Read more
WSIB and Business Insurance in Ontario: Key Differences
When it comes to operating a business, making sure you and your workers are consistently protected is critical. A big portion of this is making sure you understand the difference between business insurance and WSIB coverage. Depending on the type of business you run, you will want to know how much insurance coverage you need to keep your business secure. Choosing the right combination of both business insurance and WSIB coverage is crucial when running a business. Additionally, knowing what is legally required can have a major impact on both your company’s financial stability and compliance.
Every day in Canada, a workplace injury occurs. According to Read more
Whether your valet damages a customer’s vehicle in the parking Read more
If you offer specialized services like consulting, teaching or professional Read more
