From single-truck contractors to multi-vehicle fleets and growing businesses — I find commercial coverage that actually fits how you operate. Fleet auto, CGL, contractor liability, commercial property, and more.
Whether you're a solo contractor, fleet operator, or growing company — the right commercial coverage is specific to how your business actually runs.
If your business relies on vehicles — whether it's one work truck or a fleet of 50 — personal auto insurance won't cover you during business use. Commercial auto provides the right protection.
I work with carriers that offer competitive fleet programs for businesses of all sizes. Whether you're adding a second vehicle or managing a multi-unit fleet, I'll find a rating structure that works for your operation.
Covers third-party bodily injury and property damage caused by your commercial vehicles — mandatory for all business-use vehicles on Ontario roads.
Repairs or replaces your commercial vehicles after accidents, theft, vandalism, weather damage, and more.
Multi-vehicle discounts and fleet programs for 3+ vehicles — often significantly cheaper per unit than individual policies.
Covers vehicles rented or borrowed for business use — critical for businesses where employees use personal or rented vehicles on the job.
Covers the goods or materials your vehicles are transporting — essential for delivery businesses, truckers, and contractors carrying equipment.
Personal auto policies typically exclude business use beyond commuting. A denied claim during a business trip could cost your company everything. Don't assume your personal policy covers work vehicles.
Contractors face unique risks every day — property damage on a job site, a client injury, tools stolen from a truck, or a subcontractor error that comes back on you. Standard personal coverage won't protect against any of these.
I put together contractor insurance packages that combine the coverages you actually need — and drop the ones you don't. Most contractors need at minimum:
The foundational policy for any contractor. Covers third-party bodily injury and property damage caused by your work — on-site or after completion. Most clients and GCs require a minimum $2M CGL.
Work trucks, vans, and equipment vehicles used on the job need commercial auto — not personal. Includes liability, collision, and cargo options.
Covers your tools and equipment against theft, loss, and damage — whether they're on the job site, in your truck, or in storage.
Covers materials and equipment that have been purchased for a job but not yet installed — important for larger renovation and construction projects.
CGL typically includes completed operations — covering claims that arise after a job is finished. Essential protection for tradespeople whose work is inspected after the fact.
CGL is the single most important commercial policy for most Ontario businesses. Here's what it covers and why every business needs it.
A client slips at your office. A customer is injured by your product or service. CGL covers the medical costs, legal fees, and settlements — up to your policy limit.
Your crew accidentally damages a client's property during a job. CGL covers the cost of repair or replacement, keeping the relationship — and your cash flow — intact.
Even frivolous lawsuits cost money to defend. CGL covers your legal defense costs regardless of fault — which can easily run into six figures for a single claim.
Covers claims that arise from your products or completed work — even after the job is done or the product is sold. Protects you against delayed liability.
Covers claims of libel, slander, copyright infringement, or false advertising — increasingly relevant for businesses with an online presence.
If your business rents space, this covers accidental damage to the landlord's property — a requirement in virtually every commercial lease in Ontario.
💡 Standard CGL limits in Ontario: $2 million per occurrence / $2 million aggregate is the most common starting point. Many clients, GCs, and property managers require a minimum of $2M. Higher limits ($5M+) are available and recommended for larger operations or higher-risk industries.
Growing businesses need more than a CGL policy. Here are the additional commercial coverages I can package for your operation.
Covers your owned or leased business premises, inventory, equipment, and contents against fire, theft, water damage, and other perils. Essential for any business with a physical location.
If a covered loss forces you to close temporarily, business interruption insurance replaces your lost income and covers ongoing expenses like rent and payroll while you recover.
Errors & Omissions coverage for consultants, advisors, designers, and other professionals. Covers claims of negligence, mistakes, or failure to deliver services as promised.
Covers costs from data breaches, ransomware attacks, and cyber incidents — including notification costs, legal fees, and business interruption from a cyber event.
While WSIB is mandatory, supplemental disability and group health benefits for your team can be structured to complement your commercial coverage package.
Provides an extra layer of liability coverage above your CGL and commercial auto limits. Cost-effective way to reach $5M, $10M, or higher total liability protection.
Need a certificate of insurance for a job site or contract? I move fast. Most certificates of insurance are issued the same day you ask.
I'm not locked into one insurer. I shop your commercial risk across multiple carriers to find the best price and terms for your specific industry.
Combining commercial auto, CGL, and property with one carrier often unlocks significant discounts. I build packages that maximize your savings.
I explain every policy in plain language — what's in, what's out, and what you actually need. No upselling coverage you don't require.
Yes. Even sole proprietors face liability risks. If a client is injured, their property is damaged, or your work causes a loss, you're personally liable without CGL coverage. Your personal assets are at risk.
Most GCs, property managers, and clients require $2 million minimum. For higher-risk work (roofing, HVAC, structural) or larger projects, $5M is increasingly standard. I'll help you determine what's right for your specific work.
Yes. Most commercial policies allow you to add clients, landlords, or general contractors as additional insureds — often at no cost. I handle this routinely and can issue updated certificates quickly.
Usually not for true business use. Personal policies typically cover commuting only. If you're transporting tools, materials, or clients — or driving to job sites regularly — you need commercial auto to avoid a denied claim.
Most commercial policies can be bound within 24–48 hours for standard risks. For straightforward CGL and commercial auto, same-day or next-day coverage is often possible once I have your business details.