Liability Insurance

Liability insurance is a type of coverage that protects your business against claims resulting from bodily injury or property damage.

It helps you offset legal costs and payouts to cover yourself and your business in case of a lawsuit, regardless of your business size or industry.

Join thousands of Canadian businesses that are already protected!

Liability Insurance

What is Liability Insurance?

It is an insurance policy that protects business owners from losses due to unforeseen events that may occur during normal business operation such as property damage or injuries. There are many types of insurance for businesses that protect them according to their industry, size, and revenue. Some of these types include general liability insurance, errors and omissions insurance or directors & officers insurance.

What does Liability Insurance cover?

It is the most general type of business insurance that covers damages to 3rd party property or bodily injuries. Depending on your specific business needs, you may require additional coverage.

Explore the following business insurance policies for specific coverage information:

Read more about general liability.

Who needs Liability Insurance?

Regardless of your business type, owning Liability Coverage is critical for the long term survival of any business and may cover the financial costs associated with unforeseen events such as a lawsuit or litigation.

Getting insurance should be seen as a normal aspect of running a business responsibly. It protects your personal assets depending on your type of incorporation, it protects your life’s work, it protects your employee’s livelihood and it protects your clients as well.

How much does Liability Insurance cost?

The cost of an insurance policy varies according to factors such as:

  • Industry
  • Level of experience in the industry
  • Revenue
  • Area of operations
  • Previous insurance claims

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Which Businesses require Liability Coverage?

Regardless of the type of business you own, liability 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

  • Web-Site Designers

  • Web Developers

  • Workplace Engineers & Consultants

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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