Commercial Insurance Broker in London, Ontario

Most London, Ontario businesses need commercial general liability (CGL) insurance as a foundation — it covers third-party bodily injury, property damage, and personal and advertising injury claims arising from your operations, products, or premises.

Beyond CGL, the right program depends on your specific situation. A manufacturing business on the east side of London has different exposures than a professional services firm downtown or a contractor working across the city. We start by understanding your operations, assets, contracts, employees, vehicles, and revenue — then identify the coverages that make sense for your business.

If your business uses vehicles — whether it's a single service van, a fleet of delivery trucks, or contractor vehicles — personal auto insurance typically does not cover commercial use. Commercial auto insurance is designed for business use, accounts for commercial cargo, multiple drivers, and higher mileage.

For London, Ontario businesses, this matters whether you're running a single vehicle or managing a fleet. Coverage needs vary depending on vehicle ownership, how the vehicle is used, who drives it, and applicable Ontario regulations.

Commercial property insurance protects your business building, contents, equipment, and inventory against insured perils such as fire, theft, vandalism, and certain weather events. Whether you own your building or lease space in London, Ontario, commercial property coverage helps protect the physical assets your business depends on.

For property owners — including plaza owners, motel operators, and apartment building owners — the coverage considerations extend to rental income, equipment breakdown, and in some cases environmental or specialized coverage depending on the property.

CGL insurance is one of the most common coverages for London, Ontario businesses of all sizes. It covers claims for third-party bodily injury, third-party property damage, and personal and advertising injury arising from your business operations, products, or premises — including legal defence costs and settlements up to your policy limit.

Many contracts, leases, and client agreements in London require proof of CGL coverage before work begins. An independent broker can help ensure your limits and coverage terms meet your contractual requirements.

Cyber threats are not limited to large corporations. London, Ontario businesses of all sizes — including professional services firms, retailers, healthcare providers, and manufacturers — face risks from data breaches, ransomware, and business interruption from cyber events.

Cyber insurance can cover costs related to breach response, notification, regulatory fines, business interruption, and third-party liability arising from a cyber event. Whether your business stores customer data, processes payments, or relies on connected systems, cyber risk is worth reviewing as part of your overall commercial insurance program.

Contractors in London, Ontario — whether in construction, trades, renovation, or specialty work — typically need contractor general liability insurance, tools and equipment coverage, and commercial auto for work vehicles. Depending on the trade and contract requirements, builders risk, installation floater, professional liability, or surety bonds may also be relevant.

Many general contractors and project owners in London require subcontractors to carry minimum liability limits and provide certificates of insurance before work begins. We can help ensure your coverage meets those requirements.

London, Ontario has a diverse restaurant and hospitality sector — from downtown dining to event venues and catering operations. Insurance considerations for restaurants typically include commercial property, commercial general liability, business interruption, and equipment breakdown. Where alcohol is served, liquor liability coverage is an important consideration.

Food spoilage, commercial auto for delivery operations, and employee-related coverage may also be relevant depending on the operation. The right program depends on the specific restaurant, its size, and how it operates.

London, Ontario has a significant manufacturing sector. Manufacturers often consider commercial property, commercial general liability, business interruption, and equipment breakdown insurance as a foundation. Depending on the products manufactured and operations, product liability, commercial auto or fleet coverage, cyber insurance, and environmental coverage may also be relevant.

Manufacturing risks vary significantly by industry — an automotive parts supplier has different exposures than a food processor or a plastics manufacturer. We work with manufacturers to understand their specific operations and identify appropriate coverage.

Small business insurance in London, Ontario is not a single product — it's a combination of coverages tailored to the specific risks of your operation. A starting point for many small businesses includes commercial general liability, commercial property, and business interruption coverage.

The right program depends on your business type, operations, assets, contracts, and whether you have employees or vehicles. An independent broker can help identify appropriate coverage without over-insuring or leaving gaps that only become visible at claim time.