Tell us about your business. A verified insurance professional who covers your postal code will get in touch to explain what coverage is required, what is worth having and what to compare, before you commit.
A verified professional will get in touch.
Which you need depends on what your business does. A professional can help you decide.
Coverage for employees who are injured or made ill by their work. Compulsory for most employers, through your province's board.
Coverage for claims from the public for injury or damage caused by your business.
Coverage for claims that your advice or service caused a client a financial loss.
Coverage for your premises, equipment and the stock you hold.
Coverage for lost income if you have to stop trading after an insured event.
Coverage for data and online attacks, business vehicles and directors and officers.
The trade or service, and the risks that come with it.
Revenue and the number of people who work for you.
The value of premises, stock, equipment or contracts.
Past claims, and how long you have traded.
The amount the policy will pay out for each claim.
What you pay towards a claim yourself.
Ask for the licence number and check it with your provincial insurance regulator.
And is anything I have missing?
In writing, for the work my business actually does.
For each type of coverage.
And what happens to coverage if I stop trading.
What cancellation terms apply to a business policy.
We'd rather connect you with the right provider once than flood your inbox with a dozen you'll never call back.
Some business insurance is a legal requirement and some only protects you. You hear which is which for a business like yours.
Insurers expect you to disclose what matters about your business. You hear what to tell them, so a claim isn't put at risk.
You get the options explained. Whether to buy, and from whom, is always your decision.
If you have employees, you generally must register with your province's workers' compensation board, such as WSIB in Ontario, WorkSafeBC or the CNESST in Quebec, and pay premiums. If you use vehicles, auto insurance is compulsory. Other coverage, such as liability, usually isn't required by law, but clients, landlords and professional bodies often ask for it.
It covers claims from members of the public who are injured, or whose property is damaged, because of your business. Many clients, landlords and venues require it before you can work for them or lease a space.
It covers claims that your advice or service caused a client a financial loss. It matters for anyone who gives advice or designs, and some professional bodies require it. Ask whether it covers claims made after you stop trading, since many policies cover only claims made while the policy is in force.
Depending on what you do: coverage for your premises and stock, business interruption if you have to stop trading, tools and equipment, cyber liability, commercial auto and coverage for directors and officers. A professional can help you decide what is worth paying for.
You must give accurate and complete information about your business, and tell the insurer about changes during the term. If you leave out something important, a claim could be reduced or refused, or the policy cancelled. If you aren't sure whether something matters, ask and tell the insurer.
By what your business does, its size and revenue, the number of staff, the value of what is covered, your claims history and the limits and deductibles you choose.
An occurrence policy covers incidents that happen while it is in force, even if the claim comes later. A claims-made policy covers claims made while it is in force, so ending it can leave you without coverage for earlier work unless you buy extended reporting. Ask which you are being offered.
You can usually cancel, but cancellation terms for business policies can include fees or a reduced refund, and rules differ by province. Ask what applies before you commit, and read your policy.
Complain to the insurer first. If you're not happy with the answer, you can take it to the General Insurance OmbudService, which handles complaints from some small businesses, or in Quebec the Autorité des marchés financiers. Ask what applies to a business your size.
What your business does, roughly how many people work in it and your revenue, whether you have premises or vehicles, and your postal code. If you don't have everything, send the request anyway.
No. Namoye is a free matching service. It doesn't sell insurance or give advice. Any quote or advice comes from the firm that contacts you.
No to both. A verified professional contacts you, and Namoye is free for you.
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Namoye is a free matching service. It is not an insurer, broker or adviser, and it doesn't give insurance or legal advice. Any quote or advice comes from the firm that contacts you. Check that an agent or broker is licensed with your provincial insurance regulator before you share personal or payment details.
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