Business Insurance Ontario | Commercial Insurance Quotes
Every business is unique. Whether you’re operating a large corporation or are a small business owner, we offer customizable business insurance solutions tailored to your needs. Our team of experienced trusted advisors focuses on truly understanding your business to provide comprehensive coverage, so you can rest easy and focus on your business.
Businesses come in all shapes and sizes, and so does business insurance in Ontario. No matter what industry you are in, our policies for commercial insurance in Ontario provides coverage that protects your business operations, your property and assets, and your peace of mind.
Experience you can count on… that’s the Roughley Advantage.
Need a Quote?
We’ll find you the right coverage at the right price. In order to get the most accurate quote, one of our team members will be in touch with you directly.
Coverage Options
Roughley Insurance Brokers goes beyond the service levels of a typical brokerage to be your strategic partner in risk management. Our experienced and dynamic team have expertise across a wide range of industries and are driven to understand the intricacies of your business to ensure you get the peace of mind you deserve.
As a client-first brokerage, we navigate the complexities of the insurance market on your behalf, ensuring that you can focus on what matters most—growing your business.
Explore the unparalleled protection that comes with Roughley Insurance Brokers, where your success is our priority. Meet the team and see what makes us different today.
Commercial Auto Insurance
Commercial auto insurance provides coverage for vehicles used for business purposes in Ontario. This insurance protects businesses from financial losses associated with accidents, injuries, or property damage involving company-owned vehicles. It is essential to ensure that businesses and their drivers are adequately protected while on the road for work-related activities.
- Commercial Auto insurance
- Fleet insurance
- Light or heavy truck insurance
- Auto Garage Insurance
Be sure that the safety and security of your employees is protected. Our qualified brokers can provide the coverage you need for individual autos, fleet, and commercial vehicles. Come to where our years of experience and our broad range of products team up to give you that protection required.
Bonding
Be sure your clients feel secure in their dealings with you! If you are required to work within restricted and security-sensitive areas, you can offer the expected assurances. Let our experts guide you through the necessities, legal requirements and benefits of bonding.
Business Interruption
Ensure your income stream continues even when your operations are disrupted due to covered events. Coverage is available in many forms including loss of earnings up to coverage until the business is again profitable following a covered loss. Extra expenses and loss of rental income are also available.
Liability Insurance
Protect your business from potentially damaging legal claims and lawsuits related to property damage, bodily injury or advertising mistakes. The types of liability available are typically:
- General Liability
- Umbrella Liability
- Tenant’s Legal Liability
- Event & Sports Liability
- Environmental Liability
- Directors & Officers Liability
- Professional Liability
Cyber Liability Insurance
Safeguard against cyber-attacks and associated legal expenses. This type of insurance is becoming increasingly important to have, given that almost half of all Canadian businesses were affected by Cyber threats last year. Cyber coverage can be less expensive than you might think and our team is experienced to help you make sense of your options.
Professional Liability
Protect your business from professional errors, omissions and negligence. This type of liability coverage is typically excluded under commercial general liability and must be purchased separately. We have a wide array of options for E&O liability, that often out-competes group plans or other carriers.
General Business Liability
Commercial General Liability Insurance (CGL), is coverage that will protect your business if you are sued, and it is most often used to offset the cost of claims against your business.
Protect your business from potentially damaging legal claims and lawsuits related to property damage, bodily injury, or advertising mistakes.
Commercial Umbrella or Excess Liability
In addition to your Commercial General Liability, you can increase your limits by purchasing umbrella coverage. For additional coverage, in the event of a claim, excess liability coverage will provide you with additional coverage over your primary commercial policy.
The types of liability available are typically:
- General Liability
- Umbrella Liability
- Tenant’s Legal Liability
- Event & Sports Liability
- Environmental Liability
- Directors & Officers Liability
- Professional Liability
Commercial Property Insurance
Commercial property insurance protects businesses in Ontario by providing coverage for physical assets and structures against various perils. This essential coverage safeguards businesses from financial losses arising from events such as fires, vandalism, theft, or natural disasters.
Associated coverages typically include protection for buildings, equipment, inventory, and other physical assets crucial to business operations. Additionally, business interruption insurance may be included, compensating for lost income during disruptions caused by covered perils. The goal is to ensure that businesses can swiftly recover and continue operations even in the face of unexpected challenges.
In addition, commercial property insurance can cover things such as lighting systems, carpets, windows, outdoor signs or even fencing and landscaping. Coverage can even protect your tools and equipment while it is in a company vehicle.
Ensure that your business is covered from every angle with our commercial insurance packages. We have plans to help any type of business; large or small.
- Buildings & Improvements
- Equipment
- Stock
- Transit and Cargo
Contractor’s Package
Our Contractor’s Package protects against such problems as property damage, equipment breakdown or a customer injured at the job site. Additionally, this package program can help you pay your expenses when you can’t work, or your business is shut down due to events beyond your control.
Our general contractor insurance packages include:
Property insurance – protection for your building, tools and equipment.
- Equipment insurance – coverage for the repair or replacement of tools and machinery
- Equipment breakdown insurance – protecting you in your equipment is damaged by a power surge, mechanical breakdown, burnout or operator error.
- Bodily injury and property damage liability – insurance for situations when your employees, your products or your services have caused harm or damage to other people or their property.
- Business income coverage – coverage for financial losses incurred when you must stop work due to a covered loss
Are you a member?
Getting the coverage you need has never been easier, and members of the Durham Region Home Builder’s Association are eligible for additional group discounts. Contact us to learn more.
Insure your Golf Course
The Signature Golf program provides experienced risk management and loss control services as well as exceptional 24/7/365 customer response.
Here are some of the unique features and benefits:
- Specialized Tee to Green Coverage for all golf-related property
- Stated Amount Coverage – No co-insurance penalties in the event of a loss
- Premium credit towards renewal for low claims
- Deluxe Business Interruption Coverage
- Independent Claims Management from the Global Leader
The Signature Golf insurance program has been created specifically for golf course owners and operators. It was designed by the best and quite simply provides the highest quality insurance solution available.
Farm Insurance
There are few industries so intimately tied to nature as farming, and it is an industry that is vitally important to every person on this planet. But recent events like fires, windstorms and ice storms have shown how vulnerable the farm businesses are, and how important it is to plan for the unexpected. While major natural disasters may trigger government programs, recovering from events that only affect your businesses is likely to depend upon you and your insurance company.
As with any risk management strategy, farm insurance policy coverage is only useful if you review and plan for your coverage before you need it. Reading your policy after an unfortunate event has occurred will confirm the coverage you have – but it will be too late to make important changes.
A farm insurance policy can provide coverage for:
- Dwellings and personal property
- Farm buildings
- Produce
- Livestock
- Machinery and equipment
- Liability
Business Interuption
Ensure your income stream continues even when your operations are disrupted due to covered events. Coverage is available in many forms including loss of earnings up to coverage until the business is again profitable following a covered loss. Extra expenses and loss of rental income are also available.
Cyber Liability
Safeguard against cyber-attacks and associated legal expenses. This type of insurance is becoming increasingly important to have, given that almost half of all Canadian businesses were affected by Cyber threats last year.
Cyber coverage can be less expensive than you might think and our team is experienced to help you make sense of your options.
Professional Liability
Protect your business from professional errors and omissions and negligence. This type of liability coverage is typically excluded under commercial general liability and must be purchased separately. We have a wide array of options for E&O liability, that often out-competes group plans or other carriers.
Group Insurance
An employee benefits program serves as a cost-effective solution, shielding both employees and employers from substantial financial setbacks resulting from unforeseen events like death, injury, or illness.
The inherent advantage of group purchasing power in most plans translates to noteworthy cost savings. For employers, this translates to the ability to furnish employees or members with discounted insurance coverage, making it a highly advantageous offering.
The benefits extend to companies of all sizes, with discounts and additional savings ensuring that excellent coverage remains accessible at an affordable price.
Connect with one of our brokers today to explore how an impactful group benefits program can be instrumental in attracting and retaining key employees.
Why Choose Roughley for Commercial Insurance in Ontario
At Roughley Insurance Brokers, selecting us for your commercial insurance needs in Ontario means choosing a partner dedicated to your business’s resilience and success. Our overarching benefits extend beyond mere coverage – we offer peace of mind. With a commitment to excellence in personalized service and a customer-centric approach, we provide comprehensive insurance solutions that not only protect your assets but also empower your business to thrive in the face of challenges. At Roughley, your success is our priority.
Our Customers
You have always shopped around for us to get the best quote for both our car and tenant insurance. Very happy customer! – Steve
I feel like I’m always getting the best that the market has to offer. – Linda
Informative and courteous people and service. – Steve
Get In Touch
Roughley’s team of insurance professionals is standing by to answer your call. If you have questions about your insurance, we invite you to call us and speak to one of our team members.
Frequently Asked Questions
How much is commercial insurance in Ontario?
The cost of commercial insurance in Ontario varies widely depending on several factors. The specific needs and characteristics of your business play a significant role in determining the premium you’ll pay. Some factors that influence the cost of commercial insurance include:
- Industry Type: Different industries have varying levels of risk, affecting insurance premiums. For example, a construction company may face different risks than a retail business.
- Business Size: The size of your business, including the number of employees and annual revenue, can impact insurance costs. Larger businesses may have higher premiums due to increased exposure.
- Location: The geographical location of your business can affect insurance rates. Urban areas may have higher premiums due to factors like increased crime rates and higher property values.
- Coverage Needs: The type and amount of coverage you require will directly influence the cost of your insurance. Comprehensive coverage with higher limits will result in higher premiums.
- Claims History: A history of previous claims can affect your insurance costs. Businesses with a track record of frequent or severe claims may face higher premiums.
- Risk Management Practices: Insurers may consider your risk management practices and safety measures. Implementing robust risk mitigation strategies can potentially lower your premium.
- Type of Insurance: The specific types of commercial insurance you choose, such as general liability, property insurance, professional liability, or cyber liability, will impact your overall insurance costs.
Given the variability of these factors, it’s recommended to obtain quotes from different insurance providers to understand the range of costs associated with commercial insurance for your specific business. Working with an experienced insurance broker can also help you navigate the complexities of commercial insurance and find the most suitable coverage at competitive rates.
What’s the difference between General Liability and Professional Liability Insurance?
General liability insurance covers bodily injury, property damage, and personal injury claims against your business. Professional liability insurance, on the other hand, protects against claims related to professional errors, negligence, or inadequate services, often specific to professional services or advice provided by the business.
How important is Business Interruption Insurance?
Business interruption insurance is crucial as it provides coverage for lost income and additional expenses if your business is forced to close temporarily due to a covered event, such as fire or natural disaster. This coverage helps ensure financial stability during the recovery period.
What types of businesses opt for Cyber Liability Insurance?
Cyber liability insurance is essential for businesses that handle sensitive data or operate online. It protects against financial losses resulting from data breaches, cyberattacks, and the associated legal and regulatory consequences. Given the increasing threat of cyber risks, this insurance is vital for safeguarding your business.
How does a broker help with the personalization of business insurance?
To tailor your business insurance to your unique needs, we identify specific risks associated with your industry and operations, choose coverage limits that align with your business size, and explore additional coverages based on your unique risks. Regularly review and update your insurance policy to ensure it evolves with your changing business landscape.
