Commercial insurance is modular
Most Ontario business insurance programs combine property and liability, then add endorsements based on operations. The right mix depends on what you do, where you operate, and what contracts require.
Common coverage types
• Commercial general liability for third party injury and property damage claims • Commercial property for buildings, contents, and stock after covered losses • Professional liability for errors, omissions, or advice related allegations • Commercial auto for vehicles used in business operations • Business interruption for lost income and ongoing expenses after a covered loss • Equipment breakdown for sudden failure of certain machinery or electronics • Cyber coverage for breach response, liability, and digital interruption • Crime coverage for theft, fraud, and employee dishonesty exposure where relevant
How to pick the right mix
• Start with your highest severity scenarios, not only common scenarios • Review customer, landlord, and lender requirements early • Update values and operations annually so coverage stays aligned
Talk to Boardwalk
If you want a clean coverage map for your business, we can translate your operations into a program that matches how insurers underwrite risk in Ontario.