Protect Your Business,
Your Future & Your Employees
Business & commercial insurance helps protect your business from losses due to unforeseen events
Whether you own a large commercial enterprise or a small independent startup you are exposed to a wide variety of risks. Fire, theft or damage to the property could affect the future profitability and longevity of your business. Your business is your livelihood. It is vital to protect what you have spent so much time, energy, and money to build. A business or commercial policy can help protect against lawsuits, expenses, or unforeseen losses. Some policies also include coverage for trailers, cars, trucks and vans which are used to run your business.
Each business is unique and there is not a “one size fits all” solution. It requires a thoughtful, custom-made policy for your business’s specific needs. At St. Marys Insurance Group, we understand that you want to protect your assets, reputation and livelihood. Our commercial lines brokers can assist in selecting the right coverage for you and your business that will limit your exposures and control losses while providing competitive premiums and coverage.
How To Protect Your Small Business
Report Losses Within 24 Hours
Get Professional Advice
Minimize Your Claims
We offer the following coverages:
Business Insurance
- Business & Professional Services
- Hospitality
- Realty
- Contractors
- Retailers & Wholesalers Manufacturers
Transportation
- Commercial Automobiles: Fleets and Individual
- Garage (Repairs, towing)
Surety
- Commercial Bonds (Fidelity, permits, licenses)
- Contracting Bonds (Bid Bonds, Performance Bonds, Supply & Materials Bonds, etc.)
- Liability
- Professional Liability (Errors & Omissions)
- Design & Build Liability (Bill 124)
- Directors & Officers Liability (For Profit and Not-For-Profit)
- Environmental Impairment Liability (Pollution)
Special Risk
- Rooming Houses
- Student Housing
- Builder’s Risk
- Cargo
- Fitness Clubs
- Spas and Salons
- Party Alcohol Liability/Event Liability
- Hole-In-One Insurance
Protect your business against unique risks. Talk to an advisor.
Business/Commercial Insurance – Frequently Asked Questions
What does business insurance cover?
Business insurance is used as an umbrella term to describe common types of insurance business owners require to cover third-party liability lawsuits or claims.
Is insurance required to run a business?
Business Insurance is not required to run a business; however, it can protect you from costs associated with claims or lawsuits (e.g., legal fees, medical expenses) that may otherwise threaten your business’s survival. When it comes to deciding whether or not to insure your company, consider your profession.
For example, accountants must carry professional liability insurance to practice in Ontario.