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Business insurance by class

Business insurance guides for the work you do.

Commercial insurance is written class by class. What one brokerage can place easily, another cannot touch. Use these guides to prepare your enquiry; the receiving professional confirms product availability and eligibility.

Short answer

Insurance Genie publishes business insurance guides across trades and construction, food service, retail, professional services, property, fleet and recreation. Explore the complete directory below. Assignment depends on the province, the class of work, eligibility and whether a participating partner is licensed and able to write it.

Trades & construction 16

Food & hospitality 7

Retail & consumer 7

Professional & office 8

Property & real estate 6

Fleet & transport 5

Recreation & services 7

Listing a class does not guarantee a market. Availability depends on the risk, the province, claims history and current partner appetite. High-hazard operations may not be placeable through a participating partner.

Find insurance guidance for your business

Explore trades, professions, products and services. Search by the work you do, then open the relevant guide. Specialist activities require individual review by a participating licensed provider.

Contractors and skilled tradesOpen industry guide →
Sports, fitness and recreationOpen industry guide →
Retail, manufacturing and wholesaleOpen industry guide →
Transportation and deliveryOpen industry guide →
Pet and animal servicesOpen industry guide →
Financial and real estate professionalsOpen industry guide →
Consultants and business servicesOpen industry guide →
Security and protection servicesOpen industry guide →
Architecture, engineering and designOpen industry guide →
Technology and digital servicesOpen industry guide →
Healthcare and wellness practitionersOpen industry guide →
Nonprofits, charities and associationsOpen industry guide →
Media, marketing and entertainmentOpen industry guide →
Beauty, spa and aestheticsOpen industry guide →
Community services and educationOpen industry guide →
Commercial vehiclesOpen industry guide →
Food, drink and hospitalityOpen industry guide →
Commercial and rental propertyOpen industry guide →
Automotive businesses and dealershipsOpen industry guide →
Accommodation and hospitality propertiesOpen industry guide →
Oil and gas businessesOpen industry guide →
Live examples
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From Insurance Genie

Recent business insurance purchases

Explore recent policy purchases shared through our participating insurance professionals.

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Class not listed? Describe the work in a sentence.We route on what you actually do, not on a dropdown label. Unusual operations are common in commercial.
YOUR BUSINESS
60 classes, one request

If your class is unusual, say so early.

It changes which licensed organizations can help — and getting that right at the start saves a week.

Illustration of commercial buildings beside a blue protection shield
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You will see which licensed organization receives your request before anything is shared.

Be prepared

Claims scenarios: what happens next?

Hypothetical situations to help you prepare questions—not actual client claims or promises of coverage.

A shop employee assisting a customer after a slip

A customer alleges an injury

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.

Illustration: equipment is damaged

Equipment is damaged

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.

Illustration: operations are interrupted

Operations are interrupted

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