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02 · Commercial

Certificates. Claims. Renewals. Handled.

Commercial is our first language. Tell us the business and a licensed commercial broker builds the program, shops 80+ markets and calls you the same business day.

Business insurance quoteTalk to a broker
Contractors & trades

GC, electrical, plumbing, HVAC, landscaping

Liability, tools and equipment, wrap-ups, builder's risk and bonding.

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Restaurants & hospitality

Full service, quick service, bars, catering

Property, liability, liquor liability, spoilage and interruption.

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Retail & e-commerce

Stores, online, wholesale

Stock, product liability, cyber and business interruption.

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Professional services

Consultants, clinics, firms, tech

Errors and omissions, cyber, directors and officers.

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Fleet & transportation

Two vehicles to two hundred

Trucks, vans, cargo, non-owned and hired auto.

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Real estate & developers

Builder's risk and portfolios

Condo developments, custom builds, landlord programs.

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Manufacturing

Property, liability, equipment

Equipment breakdown, product liability, supply chain.

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Bonding

Surety bonds

Bid, performance and contract surety for contractors.

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Group benefits

Health, dental and wellness plans

Built for teams of two to two hundred.

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Coverage we place

Every line, one broker.

Your broker recommends the combination. You never buy what you do not need.

CGL
Commercial general liabilityBodily injury and property damage.
PROP
Commercial propertyBuilding, contents, stock and equipment.
E&O
Errors and omissionsProfessional liability.
CYBER
Cyber liabilityData breaches, ransomware, privacy.
AUTO
Commercial auto and fleetBusiness vehicles, cargo, hired and non-owned.
BR
Builder's risk and wrap-upsCourse of construction for any size of project.
D&O
Directors and officersBoards, executives, non-profits.
BI
Business interruptionLost income during a closure.
EQ
Equipment breakdown and toolsContractor tools and machinery.
BOND
Surety and bondingBid, performance, labour and material.
The service promise

What handled looks like.

Certificates

Same day, usually within the hour

Certificates of insurance for landlords, GCs and clients, issued by a person who knows your file.

Changes

Endorsements without the wait

Add a vehicle, a location, a partner or a contract requirement with one email.

Renewals

Re-shopped before the date

We go back to the market before every renewal so you are never caught off guard.

Claims

A broker in your corner

We open the claim, push the adjuster and stay on it until it is settled.

Contract-ready

Certificates that clear the site gate.

Landlords, general contractors and municipalities all ask for proof. We make sure it matches what they asked for the first time.

Certificates

Issued fast

With your policy active, proof of insurance usually goes out the same business day.

Additional insured

Named correctly

We add the owner, landlord or GC exactly as the contract names them.

Waiver of subrogation

Wording checked

When a contract asks for it, we confirm the policy allows it before you sign.

Limits

Matched to the job

Send us the insurance clause and we'll flag any gap between it and your policy.

Resources

Know what you're buying.

Guide

What each commercial policy actually does

Liability, property, E&O, cyber, D&O, fleet, builder's risk, bonding and more, in plain English.

Read the guide
Tool

Coinsurance calculator

See how an out-of-date building limit can shrink a property claim, and what limit avoids it.

Run your numbers

Renewal coming up? Send it over.

Email your current policy and renewal date. We re-shop the whole program and call you with the options.

Business insurance quoteEmail the commercial desk
Commercial desk1 866 777 6854