Commercial Property Insurance in Ontario

Commercial property insurance doesn't just cover the building where you do business. This insurance also covers your product inventory, office furniture, computer equipment, and any files related to your business.

Even if you are leasing space in a building, commercial property insurance will cover a multitude of circumstances that apply to the daily operation of your business.

What Else Does Commercial Property Insurance Cover?

Most business property insurance plans cover all or the majority of the following:

  • Damage or loss by fire
  • Accidental breakage
  • Damage from falling objects
  • Water damage
  • Equipment theft
  • Structural loss or damage
  • Disruption resulting from an insured incident
  • Property that is being moved from one location to another

Does Commercial Property Insurance Cover Liability?

Yes. The largest percentage of claims for business owners on this type of insurance is for accidents due to slipping or falling. Liability insurance coverage protects against on-premise accidents or those caused as a result or business practices. Theft, lawsuits, or the loss of key employees are also areas usually covered by your business property insurance policy. See our key man insurance page for more details on this coverage.

Is Additional Coverage Available?

Yes, additional coverage may be added to your insurance policy if it is not already included in your agreement. Additional insurance protection coverages may include:

  • Flood protection
  • Protection for sewer backup
  • Protection during construction
  • Equipment breakdown protection (to cover malfunction, failure, or breakage)

In the event you experience a business interruption caused by any of these additional coverages you will have less out-of-pocket expense and your business should be able to bounce back more quickly.

Will My Insurance Claim Meet Current Building Codes & Bylaws?

There are commercial property insurance coverages available to protect against municipal bylaw and building code changes that may have come into effect after your premises were built. Protection against any additional “costs of compliance” would be covered by this insurance policy.

You can find more detailed information on the Insurance Bureau of Canada (IBC) website.

About Huronia Insurance

Based out of Barrie, Ontario, Huronia Insurance Group has been servicing clients throughout southern Ontario, including the Greater Toronto area, for over two decades. We work with many of the top Commercial Insurance Companies in Canada.

Let our Huronia business insurance brokers help you will all your business insurance needs including commercial property insurance, plus:

Business Liability Insurance

Directors and Officers Insurance

Commercial Fleet Insurance

Contractor’s Liability Insurance

Huronia Insurance representatives are available at 1-866-955-8386 to answer any questions you might have about commercial property insurance or any additional policies applicable to your business or circumstances.

We can also be reached by email, through our online contact form or…

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