Business insurance from a business like yours
We are a family business too. We insure small businesses and tradespeople across Waterloo Region and make sure their coverage matches the work they really do.
How we help with business insurance
Most of our commercial clients are small family businesses and trades: builders, renovators, electricians, plumbers and the shops and offices downtown. They want a broker they can reach when a general contractor needs a certificate of insurance by the afternoon.
We start by understanding your operations, then compare commercial insurers for the coverage that fits. As your business grows, we review your policy so it keeps up.
Coverage we arrange
- Commercial general liability
- Bodily injury and property damage claims arising from your work or premises. Many contracts require $2 million or $5 million.
- Tools and equipment
- Contractor’s equipment coverage for tools on the job site, in the truck and in storage.
- Property and contents
- Your building, stock, equipment and improvements.
- Business interruption
- Lost income and ongoing expenses if an insured loss shuts you down.
- Professional liability
- Errors and omissions coverage for businesses that give advice or design work.
- Commercial auto
- Work trucks, vans and vehicles used for business.
Who we work with
Every situation is different. These are the ones we help with most often.
Contractors and trades
General contractors, renovators, electricians, plumbers, HVAC, landscapers and more.
Family-owned businesses
Retail, restaurants, offices and services in Cambridge and the surrounding area.
Certificates, fast
Need a certificate of insurance for a new job? Call us and we will turn it around quickly.
Brokers who handle business insurance
Every one of our licensed brokers can help. Call and whoever answers will look after you, or ask for someone by name.
Insurers we compare
Business insurance questions
Have a question that is not here? Call 519-623-7031 and ask a broker.
How much liability coverage does a contractor need?
Many general contractors, property managers and municipalities ask for $2 million, and larger projects often require $5 million. Check your contracts. We can match your limit to what your clients require.
Are my tools covered under my auto or home policy?
Usually not when they are used for work. Tools and equipment need their own commercial coverage, especially when they are left in a truck or on a job site.
What do you need to quote business insurance?
Your business name and address, a description of what you do, years in business, revenue and payroll, your current insurer and renewal date, and any claims in the last five years.
Related coverage
Commercial auto insurance
Work trucks, vans and vehicles used for your business.
Life insurance
Term and permanent life insurance with licensed life advisors.
This page is general information about business insurance in Ontario. Your coverage depends on your policy wording. Coverage cannot be bound or changed by email, voicemail or web form. You must speak directly with a licensed broker.