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Business Insurance Toronto: Fast Ontario Commercial Quotes

Compare quotes from multiple carriers. We serve contractors, trades, and SMEs with CGL, property, E&O, cyber, builder's risk, and contract-ready certificates. Ontario-focused, fast response.

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GTA

Toronto & area

Toronto & GTA

Commercial Insurance for Toronto Businesses

We routinely work with Toronto and GTA contractors, trades, professional services, and SMEs. From CGL and certificates for job sites to builder's risk and tender requirements. We get you contract-ready.

Contractors & Trades

Electricians, plumbers, landscapers, renovators, home builders. We handle additional insureds, waiver of subrogation, and fast certificates for Toronto projects.

Contract & Tender Requirements

We help you meet Ontario tender and subcontractor requirements: CGL limits, additional insured endorsements, completed operations, and proof of insurance when it matters.

Coverage

Coverage Toronto Businesses Need

CGL, property, tools and equipment, E&O, cyber, auto, builder's risk, tailored for Ontario and your contracts.

CGL

Commercial General Liability for third-party injury, property damage, and advertising injury. Contract-ready limits and additional insureds.

Property

Buildings, equipment, inventory, business interruption. Essential for Toronto offices, retail, and contractors.

Tools & Equipment

Contractors' equipment and tools: theft, damage, loss. Often bundled with contractor insurance for Toronto trades.

E&O / Professional

Errors and omissions for professional services and advice. Required by many Toronto clients and tenders.

Cyber

Data breach, ransomware, and cyber incidents. Important for Toronto businesses that hold customer or project data.

Cyber liability

Commercial Auto

Liability and physical damage for business vehicles. Common for Toronto contractors and service businesses.

Fleet & commercial auto

Builder's Risk

Coverage for buildings and materials during construction or major renovation. Often required for Toronto and GTA projects.

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Save up to 20% when you compare. Fast quotes and contract-ready certificates for Toronto and GTA. Get your free quote now.

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Contracts

Contract Requirements We Handle

Additional insured, waiver of subrogation, certificates, and more, so you stay compliant and job-ready.

Additional insured

We add landlords, project owners, and general contractors as additional insureds when your contract requires it. Correct wording and same-day certificates.

Waiver of subrogation

Required by many Ontario construction and lease agreements. We arrange the endorsement so your contract is satisfied.

Cross liability / separation of insureds

When contracts require that one insured can claim against another, we ensure your policy is set up accordingly.

Completed operations

Coverage for injury or damage that happens after your work is done. Standard in CGL; we help you confirm limits and scope for Toronto projects.

Certificates of insurance

Same-day certificates for job sites, landlords, and tenders. We issue with the right additional insured and waiver wording.

Tender & subcontractor requirements

We help you meet Ontario tender and GC requirements: CGL limits, auto, professional liability, and proof of insurance on time.

Industries

Industries We Insure in Toronto & Ontario

Contractors Electricians Plumbing Landscaping Renovation Home builders Construction Professional services Technology All business types

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Trusted Partners

Backed by Canada's leading insurance carriers

Serving Ontario

Toronto, GTA and beyond. Fast quotes, contract-ready certificates.

All Ontario

FAQs

Frequently Asked Questions

Common questions about business insurance, contracts, and certificates in Toronto and Ontario.

CGL (Commercial General Liability) covers third-party bodily injury, property damage, personal and advertising injury, and related legal defence. For Ontario contractors, it typically includes products and completed operations—often required by project owners and general contractors.

For major renovations or new construction in Toronto and GTA, builder's risk is commonly required. It covers the structure and materials during the build. We can help you match coverage to your project and contract requirements.

An additional insured endorsement adds another party (e.g. landlord, project owner, general contractor) to your policy so they are protected for claims arising from your work. It is often required in leases and construction contracts.

Waiver of subrogation means your insurer will not pursue recovery from the party named in the waiver if that party caused the loss. Many Ontario construction and lease contracts require this endorsement.

Cross liability (or separation of insureds) treats each insured as if they had a separate policy, so one insured can claim against another. It is often required in joint ventures and contractor agreements.

Completed operations coverage protects you for bodily injury or property damage that occurs after your work is finished. It is important for contractors and is often part of CGL or can be added by endorsement.

Once your policy is bound, we typically issue certificates of insurance the same day. You can request certificates for landlords, project owners, or subcontractors with the correct additional insured and waiver wording.

Subcontractors in Toronto and GTA typically need CGL, often with additional insured status for the general contractor, waiver of subrogation, and sometimes builder's risk or professional liability depending on the trade and contract.

Tenders often require proof of CGL (e.g. $2M–$5M), auto liability, and sometimes professional liability or builder's risk. Specific additional insured, waiver of subrogation, and notice of cancellation requirements are common.

Tools and equipment (contractors' equipment) coverage protects your tools, machinery, and equipment from theft, damage, or loss. It is separate from CGL and property and is often essential for contractors in the GTA.

We aim to provide quotes within the same business day for most Toronto and GTA businesses. Urgent requests and same-day certificates are prioritized—contact us to get started.

We serve contractors, trades (electricians, plumbers, landscapers, renovators, home builders), professional services, tech, retail, manufacturing, and other SMEs across Toronto and the Greater Toronto Area.

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Business Insurance Toronto: Fast Ontario Commercial Quotes