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Commercial General Liability
Liability protection for covered allegations of bodily injury, property damage and other insured liability arising from business operations.
Explore Commercial General Liability →HomeBusiness & Commercial Insurance
Business insurance · Canada
Commercial insurance built around your business.
Whether you operate a start-up, family business, established SME or multi-location company, Risk Care can help structure insurance around what you do, what you own and the liabilities your operation creates.
Coverage, eligibility, pricing, limits and deductibles are subject to insurer underwriting and policy wording.
Small & medium businessesContractorsRetail & wholesaleProfessional officesManufacturingRestaurants
Business insurance
Business risks rarely sit in one box.
A customer injury is different from a fire. A theft is different from an equipment breakdown. A professional error is different from a cyber incident. Commercial insurance can combine several sections so the policy structure reflects the business rather than relying on one type of protection.
Risk Care SME approach
Start broad. Underwrite specifically.
The initial form captures client details, operations, revenue, employees, payroll, premises, current policies, claims and the commercial coverages you need. A broker may follow with the full questionnaire for construction, fire protection, schedules or specialty lines.
Core commercial coverages
Build protection around the exposures that matter.
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Commercial Property
Insurance for insured buildings, stock, equipment and other business property, based on the coverage and limits selected.
Explore Commercial Property →03
Business Interruption
Can help address covered income loss or extra expense following an insured interruption, subject to the policy form.
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Equipment Breakdown
Coverage for eligible equipment breakdown exposures, separate from ordinary wear, maintenance and excluded causes.
Explore Equipment Breakdown →05
Crime
Depending on the form selected, commercial crime insurance may address specified employee dishonesty, money, forgery or fraud exposures.
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Commercial Auto
For vehicles used in business, including individually rated commercial vehicles or fleets depending on the operation.
Explore Commercial Auto →07
Cyber
Cyber insurance can address selected privacy, network-security, incident-response and interruption exposures.
Explore Cyber →08
Professional Liability
For businesses whose advice, design or professional services can create financial-loss allegations.
Explore Professional Liability →Businesses we can start with
From straightforward SMEs to risks needing specialist placement.
The right insurer depends on the industry, operations, property, revenue, claims history and requested coverage.
Contractors & tradesRetail storesWholesalersOfficesRestaurants & hospitalityManufacturersWarehousesTechnology firmsConsultantsProperty ownersNon-profitsTransportation
How losses can develop
Examples of why a business package can need several sections
Customer injury
A visitor alleges bodily injury after an incident at the insured premises.
Potential response
Commercial General Liability, if the allegation and event fall within coverage.
Fire damages stock and equipment
A covered fire damages insured business property and interrupts operations.
Potential response
Commercial Property and potentially Business Interruption, subject to the forms purchased.
Equipment suddenly breaks down
Mechanical or electrical breakdown affects covered business equipment.
Potential response
Equipment Breakdown when the cause and property qualify under the policy.
Professional service allegation
A client alleges a service error caused financial loss.
Potential response
Professional Liability/E&O if purchased and applicable to the allegation.
Illustrative scenarios only. These are not actual Risk Care claims and are not representations that a policy will respond.
SME submission checklist
What to have ready
Business description and years in operationAnnual revenue and payrollFull-time / part-time employee countBusiness and risk-location addressesProperty values and building informationCurrent policy / insurer detailsClaims or loss runsCoverage and limits requested
Initial SME submission
Tell us about your business.
This is shorter than a full commercial application. It gives Risk Care enough information for initial triage.
- Business identity
- Operations & revenue
- Coverage needed
- Property / auto exposures
- Insurance & claims history
FAQ
Business insurance questions
Is business insurance the same for every SME?
No. Operations, premises, revenue, payroll, vehicles, contracts, property values and industry can change the insurance required and the underwriting information requested.
Can I request several coverages in one submission?
Yes. The initial submission lets you identify multiple areas of interest, including liability, property, business interruption, equipment breakdown, crime, auto, cyber and professional liability.
Why might Risk Care ask for another application?
Some industries and coverages need additional underwriting detail. The initial SME form is designed for triage rather than replacing every insurer or specialty application.
Commercial products
- Equipment Breakdown
The cost to repair or replace damaged equipment, including time and labour.
- Equipment Breakdown Construction
Pays for repair or replacement after an accidental breakdown.
- Non Profit Liability
Designed for Canadian non-profit and charity organizations.
- Trucking Insurance
Request a trucking insurance quote from Risk Care for Auto Liability, Motor Truck Cargo and Cargo Liability.
- Restaurants / Banqueting Halls
Liability, property, and liquor coverage for restaurants, banquet halls, and catering venues.
- Trades and Contractors
Build a package around commercial general liability.
- Special Event Liability
Short-term liability for weddings, festivals, and private functions. Apply online on this page.
- Private Company D&O
Designed for private or for-profit businesses.
- Office Insurance
Stand-alone general liability and contents for real estate agents.
- Cyber Insurance
Cyber insurance for Canadian businesses and technology companies. Learn about ransomware, privacy breach, cybercrime, business interruption and incident response coverage. Request a cyber insurance quote from Risk Care.
- Commercial Auto Insurance
Vehicles used for business, from a single van to a small fleet.
- Commercial General Liability
Premises, operations, and products liability for a business.
- Commercial Property Insurance
Buildings, stock, and equipment used in the business.