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How much does small business insurance cost in Ontario?
Policies typically start around $650 per year. Your actual cost depends on your industry, business size, location, revenue, and the coverage you choose. A Morison broker can give you an accurate quote based on your specific business.
Is small business insurance mandatory in Ontario?
It's not legally required in most cases, but landlords, clients, and suppliers often require proof of coverage before they'll work with you. Commercial auto insurance is mandatory if you use vehicles for business purposes.
What insurance does a small business need?
Most small businesses start with General Liability and Commercial Property insurance, then add cyber liability, professional liability, or other coverage depending on their specific risks. A broker can help you figure out what applies to your business.
Do home-based businesses need separate insurance?
Usually, yes. Standard home insurance typically won't cover business equipment, inventory, or liability, so a fire or theft could leave you covering business losses on your own. Look into home-based business insurance to close that gap.
Does an incorporated business still need insurance?
Yes. Incorporating limits your personal liability, but it doesn't protect the business itself from property loss or lawsuits. Directors and officers of incorporated companies may also want to look into D&O coverage.
What is a Certificate of Insurance (COI) and do I need one?
A Certificate of Insurance is a document that proves you carry active coverage, and it's commonly requested by landlords, clients, and suppliers before they'll sign a contract with you. Most brokers, including Morison, can issue one within a business day of binding your policy.
Is workers' compensation (WSIB) insurance mandatory in Ontario?
Most employers with employees are required to register for WSIB coverage, though some independent contractors and sole proprietors may qualify for an exemption. A broker can confirm your specific obligations based on your industry.
What does small business insurance NOT cover?
Standard policies typically exclude intentional acts, employee injuries (covered separately by WSIB), and cyber incidents unless you add Commercial Cyber Liability. Reviewing exclusions with your broker helps avoid coverage surprises at claim time.
