Liability protection
Commercial general, product, professional, errors and omissions, directors and officers, and excess liability options.
INSURED BY BRARInsurance made personal.← Back to homeCoverage overview
Commercial coverage built around your operations
I can arrange a broad range of commercial insurance solutions. The right combination depends on your activities, property, employees, contracts, vehicles, and exposures.
Property & income
Coverage for buildings, equipment, inventory, insured property damage, and resulting business interruption.
Vehicles & specialty risks
Commercial auto and fleets, crime, bonds, environmental liability, cargo, special events, and other specialized needs.
Types of risks we insure
Coverage for real-world needs.
These examples are a starting point. Availability depends on the risk details, insurer appetite, eligibility, underwriting, and policy terms.
Businesses we help insure
Solutions are available for many Ontario operations, subject to insurer appetite.
- Contractors and skilled trades
- Garages, repair shops and dealers
- Retailers and wholesalers
- Restaurants and hospitality
- Professional and consulting firms
- Healthcare and home-care businesses
- Manufacturers and distributors
- Commercial property owners
- Transportation, delivery and fleets
- Beauty, wellness and personal services
- Technology and service businesses
- Special events and community organizations
Core commercial coverage
A package can combine the protections your operations require.
- Commercial general liability
- Products and completed operations
- Buildings, equipment and inventory
- Business interruption and extra expense
- Commercial automobile and fleets
- Garage automobile and customer vehicles
- Professional liability and E&O
- Directors and officers liability
- Crime and employee dishonesty
- Umbrella and excess liability
Specialty risks
More complex exposures can be considered separately or within a broader program.
- Cargo and marine
- Environmental liability
- Cyber and computer coverage
- Surety and construction bonds
- Equipment breakdown
- Employment-related exposures
- Special-event coverage
- Non-owned automobile
- Tools and mobile equipment
- Contractual insurance requirements
Coverage availability, limits, eligibility, definitions, exclusions, and policy terms vary by insurer and product. I’ll review the applicable details with you before you make a decision.
Request this coverage ↑Common questions
Helpful answers before you begin.
What does commercial general liability cover?+
CGL commonly responds to covered third-party bodily injury, property damage, personal injury, and products or completed-operations allegations, subject to the policy terms and exclusions.
Can you insure a new business with no prior policy?+
Many new ventures can be considered. The insurer will review the owners' experience, operations, projected revenue, location, contracts, and requested coverage.
What information helps obtain a commercial quote?+
A clear description of operations, revenue, payroll or employees, locations, vehicles, equipment, claims history, requested limits, and renewal date helps identify suitable markets.
Can certificates and contract requirements be reviewed?+
Yes. Insurance clauses, additional-insured requests, limits, and certificate requirements can be reviewed against the proposed or existing policy.