Compare Business & Commercial Insurance Quotes

Business insurance and commercial insurance generally describe the same category of protection: insurance for business-related risks. A policy may include property, liability and other coverages. The specific protections and conditions matter more than the name used.

Commercial insurance brings together protections for the risks your business faces. Your policy may combine several coverages, while other risks require a separate policy or endorsement. Depending on your operations, options to discuss include:

• Commercial general liability insurance for covered third-party bodily injury or property damage claims.
• Professional liability insurance for covered claims arising from professional services or advice.
• Commercial property insurance for insured buildings, equipment, inventory and business contents.
• Business interruption insurance for lost business income following an insured interruption, usually involving covered physical damage.
• Cyber insurance for certain costs associated with covered data breaches and cyberattacks.
• Commercial auto insurance for vehicle coverage suited to business use.

Coverage is subject to the policy’s terms, limits, deductibles and exclusions. Not every protection is included automatically.

Commercial general liability insurance, often called CGL or business liability insurance, addresses covered claims involving third-party bodily injury or property damage. It can also cover related legal defence costs.

This protection may be relevant if customers visit your premises, you work at their locations or your operations could cause injury to someone or damage their property.

Commercial general liability insurance is a common starting point for businesses exposed to third-party injury or property damage claims. If you provide professional advice or services, professional liability insurance may also be relevant.

Your business activities, potential exposures and contractual requirements help determine which protections and coverage limits to discuss with an insurance professional.

Professional liability insurance is commonly called errors and omissions insurance, or E&O insurance. It addresses covered claims arising from mistakes, omissions or negligence in professional services or advice.

It may be relevant to consultants and other service providers. It serves a different purpose from commercial general liability insurance, so your business may need both. The exact scope depends on your occupation and policy wording.

Learn more about professional liability insurance and errors and omissions insurance.

In Canada, public liability insurance commonly refers to protection provided by commercial general liability insurance. It concerns covered claims involving injury to other people or damage to their property.

Ask the insurance professional which coverage applies to your activities, since terminology can vary.

Commercial property insurance can protect insured physical assets against covered losses. These may include your building, business contents, equipment, inventory and leasehold improvements.

The property you own and the space you rent help determine the protection to discuss. Confirm which assets and causes of loss are covered, particularly if you use tools away from your premises or store inventory at another location.

Renting does not remove the need to consider protection for your own assets. Equipment, inventory, furniture and improvements you have made to the space may need coverage.

Review your lease and ask an insurance professional which property and liability protections are appropriate. Your landlord’s building insurance should not be assumed to cover your business contents.

Additional coverage depends on how your business operates. Consider discussing:

• Business interruption insurance if an insured shutdown could affect your revenue and ability to pay ongoing expenses.
• Cyber insurance if you handle customer information, store electronic records or rely on digital systems.
• Commercial auto insurance if vehicles are used for your business activities.

Explore cyber insurance and commercial vehicle insurance to learn more about these options.

ClicAssure’s commercial insurance partners serve a range of business profiles, including:

• Self-employed workers and professional service businesses
• Retailers, shops and wholesalers
• General contractors and specialized trades
• Restaurants, salons and other service businesses
• Commercial property owners and businesses renting premises

Describe your operations accurately when requesting a quote. Selling products, providing advice, visiting clients, storing inventory and using tools off-site can involve different risks. Eligibility and available offers vary by business profile.

For more specific information, explore our guides to self-employed insurance and construction and contractor insurance.

Working alone does not eliminate business risks. The protection to consider depends on your services, equipment and interactions with clients.

If you work from home, tell your home insurer about your activities. A home policy may provide limited business property coverage and exclude business liability. Ask whether an endorsement or separate policy is appropriate.

Small business insurance costs depend on your industry, activities, location, property values and claims history. The protections, limits and deductibles you choose also affect the premium.

Requesting quotes based on your operations gives you a more useful estimate than a generic monthly price. Make sure the offers reflect the same business information and comparable coverage.

The cost depends on the professional services you provide, your exposure to claims and the coverage selected. Describe your work and client requirements accurately when requesting an E&O insurance quote.

Two policies with different limits or exclusions may have different prices even for the same business.

Compare offers with similar coverage and ask about available discounts, risk prevention measures and deductible options. A higher deductible may reduce the premium, but your business must be able to afford it after a loss.

Review your insurance when your operations change to keep it aligned with your needs. Consider the protection provided alongside the price when choosing a policy.

1. Describe your business. Complete your online request with information about your activities and insurance needs.
2. Review your needs with participating partners. An insurance professional may contact you for additional information before preparing an offer.
3. Compare the proposed coverage. Review premiums, limits, deductibles, exclusions and any optional protections.

Give each insurance professional the same information so the quotes are easier to compare. If a client or landlord has provided insurance requirements, share those documents before choosing a policy.

Having the following information available can help an insurance professional assess your needs:

• Your business address and a description of your activities
• Your annual revenue or projections for a new business
• Information about employees and subcontractors, if applicable
• The value of your equipment, inventory and other property
• Your current insurance policy and claims history, if applicable
• Any insurance requirements from clients or your landlord
• Your preferred coverage start date

The information requested will depend on your operations and the type of coverage being considered.

ClicAssure connects businesses with participating insurance partners, which may include brokerages or agencies. Your request helps identify partners able to assess your needs.

You can then discuss available coverage and quotes with the insurance professional who contacts you.

Yes. Businesses in Quebec, including Montreal, can start a commercial insurance quote request through ClicAssure. Enter your postal code and describe your operations.

Partner availability and insurance options depend on your location, industry and business profile.

You can start your commercial insurance quote request online. A participating partner may need additional information before providing an offer.

Submitting the form does not activate insurance. Confirm the coverage and its effective date with the insurance professional before relying on it.

Ready to explore your options? Start your business insurance quote request with ClicAssure.