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Coverage type
Industry
Province
Instant quote
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Coverage types
Tenant, condo, landlord, general and professional liability
A digital insurance platform offering small business, tenant and event coverage with instant online purchase.
Not yet rated
Coverage types
General and professional liability, property, cyber, E&O
A digital commercial insurance brokerage for small businesses, quoting liability, professional and property coverage online across most industries.
Why this column
Lender-required coverage. Equipment and commercial property financing almost always carries an insurance condition, and discovering it at closing delays funding.
The cost that decides it
What coverage your lender will require by financing type: equipment, commercial property, vehicle fleet.
Common questions
What insurance will my lender require?
Equipment financing normally requires all-risk coverage on the financed asset with the lender named as loss payee. Commercial mortgages require property coverage. Vehicle and fleet financing requires commercial auto. Confirm the exact wording before closing, because a policy that does not name the lender will be rejected.
Do I need business insurance as a sole proprietor?
Legally, rarely. Practically, a sole proprietor carries unlimited personal liability, so a liability claim reaches your personal assets. Many commercial leases and client contracts require it regardless.
How fast can I get coverage?
Several providers here quote and bind online within the hour for standard risks. Specialised or higher-risk industries take longer and usually involve a broker.
