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Business Insurance Ontario

Business Insurance Quotes in Ontario + A Real Person To Help You Along The Way

Own A Business? Make sure you're covered! 

Business insurance is important to have whether you have a small home-based business or run a large company. Having the right insurance for your business will ensure you are covered for anything that might happen. 

Ontario is the largest economy in Canada and is the most populous province with over 14.19 million residents. It is also the richest province and that success is mainly due to the central geographical location, with its proximity to the US and access to waterways. Most of Canada's manufacturing sectors such as auto-making, food & beverage, fabricated metals and more are mostly concentrated in Ontario. FUN FACT: more than half of the small businesses registered are located in Ontario and Quebec, with over 400,000 registered in Ontario!

Surex is Canada's Online Insurance Marketplace™ we work with the top insurance companies in Canada to make sure you have a selection on price, coverage, and provider. We also pair you with your own Dedicated Insurance Advisor so you feel confident about the insurance you are getting and have expert advice when you need it. 

Depending on the industry you are in, and the size of your business getting an insurance quote can be a lengthy process, our online system and Advisors have streamlined this process so you can get a quote in about 10mins. 

Comparing rates from Canada's leading Business Insurance Providers
Wawanesa Insurance
Pembridge Insurance
Intact Insurance
Jevco Insurance

Have Questions? We Have Answers!

Commercial insurance rates in Ontario are determined by a few key factors:

  • Type of industry/business - The amount of risk associated with insuring your business is the largest contributor to determining what your commercial insurance rate will be. 

  • Desired coverages - Just as no small business is the same as another, so too are the required coverages to properly insure your business. Typically, most small businesses will require a degree of general liability coverage. More ‘’professional’’ type jobs, such as an accountant or financial advisor will require errors & omissions (E&O) coverage.

  • Geography - Depending on where you live in ON, this can factor into your business insurance rate. Population and geography can impact your rates, depending on the type of business you have. 

The coverage option you’ll wish to include in your business insurance policy will vary, depending on the type of business you’re looking to insure. This is why it’s in your best interest to ensure your Surex Advisor fully understands your business and the potential risks associated with it. Your Personal Assistant will want to find the exact coverages you need to insure your business. This ensures you’re not paying for coverages you don’t need.

Most commercial insurance policies will require general liability coverage. General liability protects your business against claims relating to bodily injury and property damage resulting from your products, services and property.

Errors & omissions coverage can also be required on your commercial insurance policy. E&O covers companies and the employees that work there, against claims regarding the quality of work done or negligent actions.

Your previous history of paying your insurance bills will be influential in whether the insurer you choose to place your business with offers you monthly payment options

However, if you’ve had a history of paying your insurance bills, there’s a far better chance that the monthly payment option will be offered to you!

Partnering with the top commercial insurers in Ontario is how Surex is able to get you cheap commercial insurance rates.

Being able to shop your business insurance policy among the above insurers means you’ll know you’re getting a great, cheap commercial insurance rate.

Once your Surex Advisor has all the info they need regarding your business, it’s now time for them to start working for you. The better your Surex Personal Assistant and our carriers understand your business and the risk associated with it, the better they’ll be able to tailor a commercial insurance policy just for you.

Allow us the opportunity to earn your business through our industry-leading service and cost effective business insurance rates!

It depends on the type and size of business you have. If you run a small residential cleaning company yourself, or do renovations, the type of insurance you’ll need will be very different compared to a business with multiple employees that clean professional offices. Your Surex Advisor will be able to tailor a commercial insurance policy to match the needs of your business


Businesses, even small businesses, will require some degree of general liability and/or E&O coverage. From there, depending on the industry your business is in and the size or your business, you’ll want to learn about other coverage options available to you. This will ensure your small business has the exact coverages and protections you need.

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