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Small Business Insurance For Plumbers

Ontario plumbing contractors know all too well how many potential hazards they face while on the job. While there are things most of them do to help mitigate risk, small business insurance is still a crucial tool in their belt to help protect themselves. GET A FREE PLUMBERS INSURANCE QUOTE WHAT TYPES OF INSURANCE COVERAGE […] Keep Reading

Builders Risk Insurance Ontario

As any contractor or homeowner in Ontario who has been involved in a renovation or new home construction can tell you, builder’s risk insurance is a very important safety net to have in place while the project is ongoing. WHAT IS BUILDERS RISK INSURANCE? Also known in some circles as “Course of Construction insurance” or […] Keep Reading

Restaurant Insurance Ontario

With everything an Ontario restaurant owner needs to worry about (food and service quality, inventory, cleanliness, marketing etc), whether or not they have the proper small business liability insurance should not be one of the things keeping them up at night. GET A FREE RESTAURANT INSURANCE QUOTE WHAT IS RESTAURANT INSURANCE? While no insurance product […] Keep Reading

How Having Small Business Insurance Helps Beauty Professionals

Beauty salon insurance is a must-have if you’re a beautician, hair stylist, makeup artist or run a nail salon. While we already know it’s there to help protect you from situations that could destroy your small business (like being sued by a client who injured themselves during an appointment) it can also help grow your […] Keep Reading

Sole Proprietor Insurance

Self Employed entrepreneurs know better than most the value of ensuring their small business is insured and protected. GET A FREE SMALL BUSINESS INSURANCE QUOTE WHAT IS SOLE PROPRIETOR INSURANCE? While it can also be important for self-employed people to have independent health insurance to cover things like dental, medical and disability, what we’re talking […] Keep Reading

How Small Business Owners Are Reducing Their Digital Liability Risk

Long gone are the days when business owners only needed to worry about things like slips and falls when considering their liability risk. Nowadays with companies relying heavily on digital tools to manage their day-to-day operations, risk exposure has evolved to include so much more. “Cybercrime exposure is 100% real and it’s even MORE important […] Keep Reading

Beauty Salon Insurance

As of 2022, there are 37,399 hair and nail salon businesses in Canada (with the largest percentage being found in Ontario) a number that has grown by an average of 1.5% annually over each of the past 5 years. (1) That’s a lot of updo’s, perms, shellacking, polishing and braids. WHAT IS CONSIDERED A BEAUTY […] Keep Reading

Business Insurance St. Catharines

As of 2022, St. Catharines is home to 136,803 residents, which makes The Garden City the largest municipality in the Niagara Region and just outside the top 10 largest cities in Ontario. It’s home to major employers like General Motors – 2,000, SITEL – 850 and Royal LePage – 415 (1) WHY IS ST. CATHARINES […] Keep Reading

Small Business Insurance Hamilton

The City of Hamilton benefits as much today from its proximity to important water and land transportation routes as it has throughout its rich history of military and economic importance. One of their geographical advantages is the Hamilton Harbour (aka Burlington Bay). It opens up into Lake Ontario through the Burlington Ship Canal, an important […] Keep Reading

7 Ways a Cleaning Business Can Reduce Their Liability Risk

With growing demand and relatively low start-up costs, it’s now a great time to own a cleaning business in Ontario. However, despite the seemingly simple nature of the industry, there are plenty of hidden liability risks that should be recognized and avoided. Let’s talk about 7 ways you can avoid having to make a liability […] Keep Reading

How Contractors Reduce Their Liability Risk

There are some things most contractors do because they know it will help keep themselves and their customers safe. There are also some things contractors usually only do because they think it might help reduce the cost of their contractor insurance. Below you’ll find a list of things that can help them do both. WHY […] Keep Reading

Cleaning Business Insurance Ontario

Starting a cleaning business in Ontario is one of the easier industries to enter. According to Ontario Business Central, there are plenty of opportunities and minimal startup costs required so the potential for success is huge. Like all small businesses in Ontario, one of the most important parts of starting and growing a successful business […] Keep Reading

Product Liability Insurance Ontario

While it’s something that service-based small businesses in Ontario don’t need to worry much about when it comes to their commercial liability insurance, for businesses involved with products, it’s crucial to their long term health and success. GET A FREE PRODUCT LIABILITY INSURANCE QUOTE WHAT IS PRODUCT LIABILITY INSURANCE? Typically included as part of a […] Keep Reading

Keep Your Commercial Vehicle Safe

We’ve discussed the need for commercial vehicle insurance, but we know that prevention is still our best defense when it comes to avoiding having to make an insurance claim. What can small business owners do to reduce the risk to their commercial truck, van, car or fleet? USE WINTER TIRES Especially for businesses that operate […] Keep Reading

Business Interruption Insurance Ontario

Some types of commercial insurance are easier to explain and understand than others. While most business owners are aware that liability insurance is meant to protect them from claims of physical injury and damage, commercial property insurance is meant to protect their business from things like fire damage and commercial vehicle insurance is meant to […] Keep Reading

Commercial Property Insurance Ontario

While liability insurance usually comes to mind first when insuring a small business, protecting the brick and mortar building is often a close 2nd. Insurance for a commercial building in Ontario is not the same as a residential property. Although both face many of the same types of property risks (i.e. fire and theft) they […] Keep Reading

Commercial Auto Insurance Ontario

In Ontario, if you use a vehicle for any business purposes other than simply getting to and from work, you need commercial auto insurance. WHAT IS COMMERCIAL AUTO INSURANCE? Commercial auto insurance is a policy that covers damage and liability amounts that a regular personal auto insurance policy does not cover. For example, if your […] Keep Reading

Small Business Insurance Ontario

As of 2020, over 440,000 small businesses are operating in Ontario, including over 9,000 in Hamilton who employ 4 people or less. With only 30% of small businesses surviving past 5 years (2), owners must do everything they can to increase their chances of survival, such as making sure they’re protected with a customized commercial […] Keep Reading