Commercial building owner insurance addresses the property and the owner's responsibilities as a landlord. It should reflect the tenants, occupancy, construction and income at risk. A tenant's business policy does not replace the owner's review of the structure, common areas and rental income.
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.
A practical comparison guide
List each tenant's operations and the proportion of the building they occupy. Include vacant units, renovations, restaurants, storage and mixed residential use. Gather roof, electrical, plumbing, heating and fire-protection information. Replacement construction costs and the market price of the property are different figures; ask which valuation basis the insurer requires.
Discuss building damage, equipment breakdown, premises liability and loss of rental income. Check the treatment of water damage, vacancy, debris removal and rebuilding to current standards. Ask how tenant improvements and property managers are treated, and compare the indemnity period against a realistic repair and reletting timeline.
Use current documents. If a detail is uncertain, identify it for the provider instead of guessing.
The lease may require evidence of insurance or additional insured status for specified liabilities. Have the wording reviewed for the actual relationship. Being named on a tenant's liability policy does not insure the owner's building or guarantee every lease obligation has been met.
Terms depend on the facts supplied, the requested protection and the provider’s assessment. Compare the full annual cost, limits, deductibles and conditions. An illustration or general guide is not a personal quote or confirmation of coverage.
Insurance Genie helps you prepare an insurance enquiry. A participating licensed professional must confirm availability and the terms of any proposal. For legal or contractual obligations, obtain advice from the appropriate qualified adviser.
Discuss my requirements →Further reading: Insurance Bureau of Canada guidance. Check the current document and your own policy or bond wording. This page is general information, not an issued policy or bond.
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
Hi, I’m Genie. I can explain how this website works, help you find a page, or point you to a person. I can’t answer coverage questions or give insurance advice.
