Business insurance in Ontario.
Compare. Protect. Grow.
One request. Objective comparison across 20+ commercial insurers through our RIBO-licensed partner brokerages. Free, no obligation.
Coverages every Ontario
business owner should map.
Ontario commercial insurance is regulated by FSRA (P&C) and placed by RIBO-licensed partner brokerages — AccesDirect connects you with these partners rather than acting as a brokerage itself. Below are the core covers found in a Business Owners Package (BOP), CGL and specialty policies.
Commercial General Liability (CGL)
Minimum $2M limit, $5M common. Covers third-party bodily injury, property damage and completed operations. Required by most Ontario landlords and clients.
Commercial property
Building, contents, stock and equipment. Insure at replacement cost. Add business interruption to protect gross earnings while you rebuild.
Business interruption
Pays lost income and continuing expenses while operations are suspended after a covered loss. Choose 12–24 month indemnity for Ontario supply-chain realities.
Professional liability (E&O)
Errors & Omissions — negligence in professional services. Required for consultants, health professionals, IT firms, brokers. FSRA-regulated professions have specific limits.
Cyber liability
Ransomware, data breach, business email compromise. Ontario PHIPA and PIPEDA impose breach notification. Cyber has become nearly essential for any business handling personal data.
Commercial auto
Owned, leased or non-owned vehicles used for business — Ontario minimum $200k liability, but $2M+ standard on commercial fleets. Different rules than personal auto.
Three steps.
Zero friction.
You describe your business
Two minutes to describe your industry, revenue, payroll and Ontario location.
We match you
Your request goes to a RIBO-licensed Ontario commercial brokerage who compares 20+ insurers.
You compare
A partner broker builds a program — no obligation to buy.
We serve every
major Ontario city.
They compared.
They saved.
“Broker restructured our CGL + property program — saved $1,200 while doubling our cyber limit.”
“Renewal came with a 22% hike. AccesDirect matched me with three quotes in a week.”
“As a consultant, my E&O needs were misunderstood. New broker got the right endorsement.”
Ontario business insurance —
common questions.
How much does business insurance cost in Ontario in 2026?
Is business insurance mandatory in Ontario?
What’s the difference between BOP and CGL?
Do I need cyber insurance?
What is professional liability (E&O)?
Does my personal auto policy cover business use?
Is AccesDirect really free?
Compare Ontario business insurance rates
Free comparison. 2 minutes. No obligation. Your request goes to a RIBO-licensed Ontario commercial brokerage.