Commercial Insurance Built on Trust and Expertise.
Coverage that fits your business and an advisor who knows your file. Ontario-wide.
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Backed by Canada's leading insurance carriers
Boardwalk Insurance is a RIBO-registered commercial insurance broker in Ontario and a division of Oracle RMS. We compare quotes from 30+ Canadian carriers, including Intact, Aviva, Economical, and Northbridge, and serve businesses across Canada (except Quebec).
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Frequently Asked Questions
Common questions about Boardwalk Insurance and commercial coverage answered.
Our process has three steps. First, you submit basic information about your business online or by phone. Second, a Boardwalk advisor reviews your operations and finds coverage options across our network of 30+ carriers. Third, we send you clear, comparable quotes with no jargon and no pressure. Most clients get quotes within one business day.
Commercial general liability (CGL) covers third-party claims for bodily injury or property damage. For example, if a client is injured at your premises or your work causes physical damage. Professional liability (errors & omissions) covers financial losses a client suffers from a mistake or omission in your professional services. Many Ontario businesses need both, and Boardwalk can bundle them into one policy.
We work with over 30 of Canada's top commercial carriers, including Intact, Aviva, Economical, Northbridge, Wawanesa, Chubb, Travelers, CNA, Gore Mutual, and Unica. We are an independent broker, not tied to any single insurer, so we compare the market for you and find the best mix of coverage and price for your business.
A surety bond is a three-party guarantee that a contractor will fulfill their contractual obligations. If the contractor defaults, the surety company compensates the project owner up to the bond limit. In Ontario, surety bonds such as bid bonds, performance bonds, and labour and material payment bonds are often required on public sector projects and many private construction contracts. Boardwalk specializes in surety for contractors of all sizes.
Boardwalk Insurance is a RIBO-licensed broker (licence 3612) and a division of Oracle RMS. We serve businesses in all Canadian provinces and territories except the Province of Quebec. Our advisors know the coverage and regulatory rules for each province, whether your business is in Ontario, Alberta, British Columbia, or elsewhere.
Commercial insurance premiums in Ontario vary widely based on industry, revenue, payroll, and risk factors. CGL policies for small businesses typically start around $500-$2,500 per year, while construction firms and higher-risk industries may pay $3,000-$10,000+. Boardwalk shops 30+ carriers to find competitive pricing for your specific business profile.
Ontario contractors generally need commercial general liability ($2M minimum for most commercial projects), commercial auto, contractors equipment coverage, and WSIB compliance. Many project owners also require builder's risk insurance, umbrella liability, and surety bonds depending on contract size. Boardwalk can issue same-day certificates once coverage is bound.
