Sole proprietor insurance is selected around the work performed, not simply the business structure. A self-employed consultant, tradesperson and retailer have different liability and property needs.
A.M. Fredericks UnderwritingABEX o/b Affiliated Broker Exchange
Allianz Global RisksAmbri AssuranceApril Canada Inc.April MarineArthur J. Gallagher & Co
AVRO Insurance ManagersBeazley Canada LimitedBerkley Insurance CompanyBlueCross BlueShield
Burns & Wilcox CanadaCAA InsuranceCAN - Continental Insurance
Cansure Underwriting LtdCaradoc Townsend MutualChes Special Risk Inc.Chubb InsuranceChutter Underwriting Services
Core Underwriting ServicesDefinityDesjardins Financial Security Investments Inc.
Dominion of Canada/Travelers/Travelers EssentialEagle Underwriting Group Inc.Echelon
Excess Underwriting Corp.Facility Association
Forward InsuranceGlobal Aerospace Underwriting
Great-West LifeGroupAssureGroupOne Insurance
HDI Global Specialty SE
IA Excellence Life Insurance
INGLE International
Intact Public Entities
La CapitaleLiberty International CanadaLynx Insurance UnderwritersMarkel
NorthbridgeOld Republic
Optiom
PAL Insurance Brokers Canada
Premier Canada AssurancePremier MarinePremium Marine
Revolution Advanced Underwriting
SignalSignature Risks
South Western GroupSovereign GeneralSpecial Risk InsuranceSports & Fitness InsuranceSSQ AssuranceStarr Technical RisksStrategic UnderwritingSummit Underwriting Group Inc.The Boiler Inspection and Indemnity Company (BI&I)
The Totten Insurance GroupTrans Canada
TravelersTrinity Underwriting
Unique Risks
Victor Insurance
From Insurance Genie
Explore recent policy purchases shared through our participating insurance professionals.
Recent policies will appear here when the Insurance Genie CRM feed is connected.
Insurance Genie is an insurance request platform, not an insurer or insurance brokerage. Requests may be connected with participating licensed partners. Availability depends on your location, needs and partner eligibility. A request is not a quote or confirmation of coverage.
Use these topics to frame a discussion with the licensed professional handling your request. They are questions to review, not a promise that every item is included in a policy.
Describe the full activity, including work away from the main premises and any secondary services. An incomplete description can make two proposals look comparable when they are based on different information.
Ask for the named insured, business description, covered locations, policy limits, deductibles and key exclusions. Check how defence costs, property valuation and any required endorsements are treated. A policy title alone does not tell you what an individual claim would receive.
If a landlord, lender, marketplace or customer has supplied insurance conditions, provide the actual document. Ask the licensed professional to identify requirements the proposed policy does and does not satisfy. A certificate is evidence of stated coverage; it should not be treated as a rewrite of the policy.
The price depends on the business activity, scale, location, claims history and selected protections. Request a review using your own facts instead of treating a generic industry range as a quote.
Insurance Genie connects requests with participating licensed partners. Products, territories and eligibility vary. Confirm who is handling your request and when any offered coverage would take effect.
Your questions, answered
Sole proprietorship insurance in Canada begins with the work, customers and property of the business.
General liability insurance for a sole proprietorship and professional liability insurance for a sole proprietorship answer different questions. Explain whether a claim could involve injury or property damage, or financial loss from your advice or service.
Insurance for a sole proprietorship business should include equipment, stock, customer locations and vehicle use when relevant. Business personal property insurance does not by itself address liability arising from the work.
Describe business visitors, products, stock and work areas. Ask whether home-based activities fit a home endorsement or need a separate business policy; the home policy should not be assumed to cover them.
Review the risks of the activity and any client, landlord or professional requirements with a licensed provider. A sole proprietor can discuss liability and property coverage even without employees; the right choice depends on the work rather than the business structure alone.
Ask a participating licensed provider to review the declared activities. Sole proprietor liability insurance, self employed public liability insurance and professional liability enquiries should be matched to the actual work, limits and contract conditions.
There is no single best package for every self-employed person. Compare the activities insured, exclusions, limits, deductibles and price. A consultant, retailer and tradesperson may need very different proposals.
Discuss general liability for injury or property damage and professional liability where advice or services could cause a client a financial loss. Coverage depends on the stated activities and wording.
Prepare the activity description, current insurance, recent claims details and any contract requirements. Include the business-specific information listed on this page so the licensed partner can ask relevant follow-up questions.
No. A request is not a binder, policy or confirmation of coverage. The organization arranging insurance must confirm acceptance, terms and the effective date.
This page is general information. Ask the licensed professional handling your request to explain the proposed wording, limits, deductibles and exclusions. Coverage must be confirmed by the organization arranging it.
Background reading: Consumer insurance coverage guidance. Content updated September 9, 2026; coverage and availability remain subject to confirmation.
Contact us to discuss provider availability and the details needed for a useful conversation.
Explore my optionsClear answers to help you compare coverage and prepare for a licensed insurance review.
A sole proprietor may need commercial general liability for covered injury or property-damage claims, professional liability for the services or advice provided, and other specialist protection for the actual work. Ask separately about product liability, cyber incidents and business vehicles. The business structure does not identify all the risks. Give the broker your contracts, revenue, activities and where you work, then review the limits and exclusions of each proposed coverage.
A sole proprietorship is an unincorporated business owned by one person, with no separate legal identity from its owner. That makes the business-risk discussion important, but insurance is not a substitute for legal or tax advice. CRA explains the structure and tax reporting. Personal liability, business liability and self-employed accident or disability cover address different risks. Discuss each against the work and income needs.
Before you compare
Business insurance for sole proprietorship operations should reflect the services, products, equipment and premises involved. The number of owners does not determine every insurance need. Sole proprietor insurance can involve a combination of liability, property and other coverage discussions.
Describe whether you sell products, visit customer premises or provide advice. Discuss general liability for business operations and professional liability for professional services. Ask about the named insured and how the proposal applies to your business activities.
Prepare your legal and trading names, work description, revenue, contracts, claims history and operating territory. If you work from home, explain visitors, stock and equipment to the home insurer as well as the commercial professional.
Be prepared
Hypothetical situations to help you prepare questions—not actual client claims or promises of coverage.
Scenario: Someone alleges an injury arose from the business operations.
What happens next: Preserve incident records and notify the insurer. Declared activities, liability wording and the facts determine whether a policy responds.
Scenario: Equipment used by the business is damaged or stolen.
What happens next: Document ownership, location and cause. Ask the insurer to review the insured property, exclusions, valuation and deductible.
Scenario: Damage prevents the business from operating normally.
What happens next: Keep revenue and expense records. Business interruption depends on the insured trigger, selected coverage and applicable terms.
Actual outcomes depend on the facts and applicable wording. Read claims guidance · Ask about the next step
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