Commercial Insurance

Every business owner should consider the benefits of having Commercial Insurance.
As careful as you might be, there are unforeseen events that can happen to every business.
Protect your hard work with a policy that fits your needs.

Join thousands of Canadian businesses that are already protected!

Commercial Insurance

What is Commercial Insurance?

It’s a type of insurance protection designed specifically for businesses.
When dealing with clients, vendors and the government, businesses are exposed to a wide range of risks including legal fees and payouts if an accident or any damages to 3rd parties may occur. 

Getting commercial coverage is just another smart business decision. With the right commercial coverage, you’ll have the peace of mind of being protected from liability and that your business is covered.

What Does Commercial Insurance Cover?

Usually, this insurance policy covers:

  • Accidental injuries to customers or suppliers while visiting your office
  • Off-site injuries or property damage caused by an employee (e.g., while visiting a customer)
  • Injuries caused by the products you create or sell (“product liability”)
  • Injury caused by libel or slander (also known as “reputational injury”)

Policies can also shield you from the expense of attorney expenses, out-of-court settlements, litigation and judgments awarded by courts.

What is Not Covered?

Other policies may be required in addition to a commercial coverage because it is the most basic insurance type and your specific business needs and circumstances may call for specific extra coverage.

When getting an insurance policy for your small business, make sure to learn about the following extra coverage as they are typically not included by default:

In almost all circumstances, general business liability insurance does not cover damages or injuries resulting from intentional acts.

Who needs Commercial Insurance?

Almost every business needs insurance protection. If any of the following statements are true, you should consider getting a commercial policy

  • You have clients or suppliers visiting your office or home
  • You or your employees visit clients or suppliers
  • You sell a physical product
  • You rent an office or commercial space

Without the right insurance coverage, your business could suffer sever financial stress due to a legal lawsuit or other unforeseen events. Small businesses are specially vulnerable.

Getting coverage will have you covered and allow you to focus stress-free on running your business.

How much does Commercial Insurance cost?

The cost of a Commercial policy varies according to factors such as:

  • Industry
  • Level of experience in the industry
  • Revenue
  • Number of employees
  • Location

The best way to find the optimal policy at a competitive rate is to shop around.

It’s quick and easy!

If commercial insurance is what you need,
request a free quote now >

Which Businesses Require Commercial Insurance?

Regardless of the type of business you own, commercial insurance is critical for almost any business including:

  • Accountants

  • Accounting Firm

  • Actuaries

  • Advertising

  • Aerial and ground based Photographers / Videographers

  • Alternative Energy

  • Architects & Engineers

  • Appraisers

  • Bookkeepers

  • Broadcasters

  • Building Designers (Bill 124)

  • Business Consultant

  • Chiropodists

  • Civil engineers

  • Collection Agencies

  • Consultants

  • Chiropractors

  • Design Firms

  • Directors and Officers

  • Employment Agencies/Recruiters

  • Engineers

  • Environmental Engineers

  • Energy Audits & Assessments

  • Financial Advisors

  • Financial Planners

  • Foreign Legal Consultants

  • Holistic Professional

  • Hotel Consultant

  • Home Inspectors

  • Human Resources (HR) Consultant

  • Immigration Consultants

  • Information Technology & Computer Consultants

  • Interior Designers

  • IT Contractor

  • IT Specialist/Technician/Programmer

  • Independent Contractor

  • Product Designers

  • Professionals Liability

  • Lawyer’s Excess Professional Liability

  • Management Consultants

  • Medical Related

  • Medical Professionals (Malpractice Insurance)

  • Medical Students (Malpractice Insurance)

  • Multimedia designers

  • Mortgage Brokers

  • Naturopaths

  • Occupational Health and Safety Consultants

  • Quality Control Consultants

  • Placement Agencies

  • Podiatrists

  • Process Servers

  • Private Investigators

  • Project Managers

  • Property Managers

  • Paralegals

  • Publishers and Printers

  • Recruitment and Employment Agency

  • Recruitment Consultants

  • Safety Engineers

  • Service Organizations

  • Solar & Wind Farm Engineers & Consultants

  • Staffing Agencies

  • Structural Engineers

  • Sub Contractor

  • Surveyors

  • Therapist Professionals

  • Training Providers/Trainers

  • Travel Agencies

  • Travel Agents, Tour operators

  • Excess & Umbrella Liability

  • Web-Site Designers

  • Web Developers

Common scenarios where Commercial Insurance is useful:

Commercial Insurance Canada Scenario

A client visits your site and injures themselves—they want to sue. In this case, a Commercial Insurance with Personal Injury protection would cover you.

Commercial Insurance for Contractors

While excavating on a client’s property, you accidentally burst a pipe. In this case, you would need a Commercial Insurance with Property Damage protection.

Commercial Insurance for Restaurants

Your food product is contaminated and makes a customer sick. In this case, you would need Commercial Insurance with Product Liability protection.

What our customers say about us

Our customers us, and so will you!
Learn why thousands of Canadian small businesses trust their insurance to us.


Zensurance has been the easiest company I’ve ever received insurance from. Simple, painless and responsive, look no further than Zensurance for your company’s insurance needs.


Chris Chan, Dwello

The Zensurance team was responsive, professional, and knowledgeable. Zensurance knew exactly what we were asking for after a few minutes on the phone. I would highly recommend them for liability insurance especially if you’re not sure what you need to protect your business.


Melissa Kwan, Spacio

The Zensurance transparent customer experience helped me identify and hedge dynamic operating risks.


Reid Horkins, Evree

Leading Canadian business insurance carriers
have partnered with us to serve you

Aviva Commercial Insurance Canada
CHUBB Small Business Insurance Canada
Beazley Commercial Insurance Canada
Portage Mutual Insurance Canada
Lloyds of London Insurance
Trinity Underwriting Business Insurance Canada
Liberty Mutual Liability Insurance Canada
Travelers Business Insurance Canada
Business Insurance Zen Man

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