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Reliable Insurance for Your Business

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Customer
Quoted from:
February 3, 2023
Male, 29 years old
Vehicle
2018
Honda
Accord
Average rate
$
306
/mth
$
3,672
/yr.
Our rate
$
210
/mth
$
2,520
/yr.
Location
Ontario
Saved
$
96
/mth
31
%
savings
Customer
Quoted from:
January 31, 2023
Male, 34 years old
Vehicle
2022
Tesla
Model X
Average rate
$
318
/mth
$
3,816
/yr.
Our rate
$
192
/mth
$
2,304
/yr.
Location
Ontario
Saved
$
126
/mth
39.6
%
savings
Customer
Quoted from:
January 26, 2023
Male, 64 years old
Vehicle
2015
Jeep
Wrangler
Average rate
$
135
/mth
$
1,620
/yr.
Our rate
$
87
/mth
$
1,044
/yr.
Location
Ontario
Saved
$
48
/mth
35.5
%
savings

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Why Choose Insurance Genie?

Insurance Genie helps Business Owners in Canada secure the most affordable insurance
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Customized Solutions

Insurance Genie works with you to ensure you find the right coverage so you don't have to worry about paying for insurance you don't need.

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Simplified Claims

If an insurance claim needs to be made, the team at Insurance Genie ensures that the process is simple and is dedicated to effective communication. 

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Unparalleled Service

Our team is here if you have any questions about finding the right insurance policy.

Types of Business Insurance Policies in Canada We Provide

As a Canadian Business Owner, insurance is typically mandatory. We are here to help you ensure that your insurance obligations are not only met, but also ensure your business is adequately protected.

General Liability Insurance

General Liability Insurance offers a uniform layer of protection. It covers the costs of legal defense, settlements, and judgments awarded by courts, up to the policy limits.

Business Property Insurance

This protects a company's physical assets from a wide range of risks, including fire, theft, vandalism, and certain natural disasters. It covers the physical structure of the business premises, as well as its contents, which may include furniture, equipment, inventory, and other valuable property.

Liability Insurance

There are a variety of policies that can be purchased depending on your business needs. These include professional liability, product liability and general liability.

In addition to the above policies, Insurance Genie can help you find more specific and customized policies tailored to your business.

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Business Information

Is your mailing address the same as the business address?
Do you own or lease the building/unit that the business operates from?
Are all employees and physical locations based in Canada?
Is your company a Canadian domiciled company?
Do you have employees or physical locations in Quebec?
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Business Details

It's a pleasure to meet you! We're looking forward to knowing more about your company. Just a few more questions and we can find you the best fit for your business insurance.

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Frequently Asked Questions

How Much Does Small Business Insurance Cost in Canada?

Business insurance costs in Canada vary depending on your location and the property manager's requirements for the space you are leasing.
Each property manager must share the minimum requirements for limited liability and property insurance policies.

Where to Get Low-Cost Business Insurance in Canada?

Working with an insurance search agent like Insurance Genie is the best option for comparing Canada's most affordable business insurance.
Using a brokerage service, they will assess your business insurance needs and find the right policy for you at the most affordable rate.

Is Business Insurance Mandatory in Canada?

If you are leasing a space for your business, then business insurance is likely mandatory. The person or company you are leasing your space from will provide you with their minimum requirements for your policy.
If you are a home-based business, it is still recommended that you hold a certain level of liability insurance, depending on your business type, to protect yourself and your business.

Is it Illegal to Run Your Business Without Insurance?

If you have a home-based business, it isn't illegal to NOT have insurance. However, operating a business without any kind of protection can bring consequences.

For example: If you hold inventory at your home, it may not be covered under content insurance in the event of a fire.

If a client or customer brings a legal action against you, there will be no protection from any legal fees or repercussions resulting from that legal action.

What Does Business Insurance in Canada Give You?

Canadian Business Insurance provides you and your business protection from unexpected events that may occur. Liability insurance will help protect you from any legal actions, while property insurance helps protect you from theft, vandalism and other damage done to your premises.
The policies contained in your Business Insurance package will require a deductible amount payable when making a claim. The amount of that deductible will depend on the policy and what it covers.

Learn more about CGL Insurance

CGL provides coverage for bodily injury or property damage caused by products you sell, services you offer or locations from which you operate. The insurance coverage provided within a CGL policy includes Employers Liability, Employee Benefits Liability, Tenant's Legal Liability, Products Liability, Personal Injury, Advertising Injury, Completed Operations, and Non-owned Automobile.

We suggest you have at least $2M as your liability limit
Learn more about what's included:
  • Employers Liability: Most employees are covered by worker's compensation but some employees do not qualify. Thus, the employers' liability provides bodily injury if an employee gets hurt at work—specifically, office employees who are not covered by worker's compensation.

  • Employee Benefits Liability: Provides employers who make an error or omission in administering their employee benefits program.

  • Tenant's Legal Liability: Included within most commercial general liability policies; and provides coverage for damage to a premise that you rent or control in which a covered peril damages the rented space within your care, custody and control. The policy does not cover the property you own within the rented space, only the damage caused to the landlord's property.
  • Products Liability: This is included within most commercial general liability policies and provides coverage for any bodily injury or property damage caused by the products you sell.
  • Personal/Advertising Injury: Encompasses a range of non-physical injuries that stem from specific actions. These actions include, but are not limited to, false arrest, detention or imprisonment, malicious prosecution, wrongful eviction or entry, defamation through oral or written publications, and infringement of an individual's right to privacy. These injuries may arise from various scenarios, such as being falsely accused, wrongfully evicted or having one's reputation tarnished through defamatory statements.
  • Completed Operations: Refer to injuries that are not physical and occur after a specific action or event has been completed. These actions include, but are not limited to, false arrest, detention or imprisonment, malicious prosecution, wrongful eviction or entry, defamation through oral or written publications, and infringement of an individual's right to privacy. These injuries may occur as a result of a completed service or project and can have long-lasting effects on the individual or organization involved. It's important to note that these injuries differ from Bodily injuries, which are physical injuries caused by an accident or incident.
  • Non-owned automobile: This coverage offers protection against liability when an employee uses their personal vehicle for business purposes. It is meant to cover situations where a business-related accident occurs while an employee is driving their car, not the company-owned one. This coverage is intended to fill the gap when the employee's personal auto policy needs to provide adequate protection. It's important to note that this coverage applies only when the vehicle is not owned, registered or contracted by the named business or on its behalf.