Making Business Insurance Easy for You
Business insurance in Canada protects your company from costly risks like liability claims, property damage, and lost income.
Western Financial Group is an award-winning brokerage. Our business insurance experts will get your business the right commercial insurance coverage to protect what you’ve built.
Our insurance experts work with top quality insurance companies
to get you the right coverage at competitive rates in just minutes.
Let us do the shopping for you.
Do you want to save time and money?
We do the business insurance shopping for you. We work with Canada’s leading insurance partners to get you the right coverage at the right value.
Business insurance helps you protect against:
- “Slip and fall” lawsuits: A customer slips on a wet floor and sues your business for injuries.
- Theft: Someone breaks in and steals your tools, equipment, or inventory.
- Fire: A fire damages your building and destroys your business assets.
- Vandalism: Your storefront or company vehicles are damaged by vandals.
- Cyberattacks: Hackers steal customer data or lock your systems with ransomware.
- Equipment breakdown: Your essential machinery suddenly fails and halts operations.
- Defective products: A product you sold or made causes injury or property damage.
- And more so that you’re not out of pocket
Did you know? Cyberattacks are a growing threat for businesses. Cyber liability insurance protects your business.
Why cyber insurance is important for your business:
Cyber liability insurance protects businesses from financial losses related to cyberattacks, data breaches, and other cyber threats. It helps cover costs like data recovery, legal fees, notification expenses, and more. Cyberattacks are a growing threat for businesses.
You run your business. We’ll protect it with commercial insurance.
What business are you in?
Western Financial Group offers fully customizable business insurance tailored to your industry. We can build bundled packages by comparing multiple insurance vendors to find the best policies for your needs. We also offer specialized programs and partnerships across many industry sectors, including Group coverage under our “Protected Self-Insurance” (PSI) structure.
Here are 3 essential commercial insurance coverages to protect your business:
- Commercial General Liability (CGL) insurance: If a customer slips and falls at your business or a customer’s property is damaged, CGL insurance helps protect you financially if you are found legally responsible for third-party injury or damage. Without commercial general liability insurance, you would be responsible for paying any liability costs out of your own pocket.
- Commercial Property insurance: It keeps your business protected from property losses, such as theft, fire, or vandalism. You can also add earthquake insurance, sewer backup or flood coverage extensions to protect your business.
- Commercial auto insurance: A small business should have commercial auto coverage as part of your insurance package. Personal car policies will not cover you or any employees.
Advantages of working with Western
- Customization: We tailor policies to fit your business’s needs at a value that suits you.
- Switch and save: When you switch your business insurance, ask about discounts to save.
- Save time: As an insurance broker, we do the insurance shopping for you. You will choose from a variety of coverage options that suit business.
- Objective advice: We recommend coverage and rates based on your business needs, and we can mix and match options from multiple providers to create the right policy for you.
Whether you're a small business or a large company in:
Toronto, Vancouver, Kelowna, Victoria,
Edmonton, Calgary, Montreal, Regina,
Saskatoon, Winnipeg, Halifax, Prince George
or anywhere across Canada, a Western Financial Group business insurance broker will provide you with tailored commercial coverage that perfectly protects your business.
Protect your Canadian Business with the commercial insurance essentials: CGL, E&O, Cyber Insurance, Commercial Property Insurance, and Business Interruption coverage.
Our Commercial Insurance Products
Learn more about our TotalProtect Commercial Insurance
TotalProtect is a comprehensive insurance approach that bundles multiple coverages into one package to protect your business from major risks like liability, property damage, and income loss.
Recognized for Excellence.
Rooted in Community.
How can I get the best rates for business insurance in Canada?
We help Canadian businesses get the best insurance rates by doing all the work for you, comparing multiple insurers, bundling the right coverages, and leveraging strong risk-management strategies to secure top-tier protection at the lowest possible cost.
Find a Western Financial Group Business Insurance Broker near you.
CALL 1-866-860-1947 For a Business Quote
Our Industries
Construction & Trades
From accidents on-site and property damage to worker injuries and equipment theft, this insurance ensures your business stays covered no matter the challenge with your building project.
Hospitality
From protecting your property and employees to safeguarding against guest injuries or property damage, this insurance ensures that your business can thrive without worrying about costly disruptions.
Manufacturing
From equipment breakdowns and property damage to employee injuries and product liability, this coverage protects you against the many risks involved in production and distribution to ensure business continuity.
Professional Services & Consultants
Whether you’re a consultant, lawyer, accountant, or any other professional, this insurance shields you from costly legal battles and potential financial loss due to mistakes or misunderstandings with clients.
Retailers
Whether you operate a small boutique or a large retail chain, retail insurance gives you the confidence to focus on growing your business by protecting your store, inventory, and operations from the unexpected.
Specialty Insurance
Specialty insurance is designed to protect unique businesses and industries with specific risks that standard coverage can’t always address. No matter how specialized your business is.
Make sure your Canadian business is covered with the commercial insurance essentials
Commercial general liability (CGL): It’s also known as “slip and fall” liability insurance and protects you should a customer get injured at your business. It also protects you should a customer’s property get damaged.
Professional liability: It helps protect your business against claims of professional negligence or failure to perform your professional duties.
Business contents insurance: It protects your business’s assets, such as computers, furniture, and inventory, inside or on your commercial property.
Cyber liability insurance: Without cyber insurance, you will have to pay out of your pocket for the cost of restoring your system if it’s hacked and you may also be liable for damages to third parties whose information has been stolen.
Commercial property insurance: Commercial property insurance protects the building you occupy and it provides coverage for your equipment, inventory, furniture, computers, and other electronics.
Business insurance in Canada is shaped by the country’s diverse climates, regional regulations, and industries ranging from agriculture and natural resources to tech, construction, and transportation. That means businesses often need solid liability protection, strong property and interruption coverage, and policies tailored to local risks such as extreme weather, cyber threats, equipment damage, and sector-specific exposures.
Tell us about your business and the protection you’re looking for. Your Western business insurance expert will make sure that you’re covered.
According to Icah Navidad, Digital Commercial Insurance Sales - Western Financial Group
"Business interruption insurance ensures that you are put in the same position prior to the loss if a property claim were to happen and destroy your property.
This also takes the burden off of you as a business owner if you ever have to close your doors due to an insured peril because business interruption insurance will ensure key salaries and key fixed expenses are covered while you are trying to get up and running again!"
More FAQ's about Business Insurance
Icah Navidad
Digital Commercial Sales
Western Financial Group
Why Choose Western
Compare Insurance Quotes for Free
We shop across trusted providers to find you the best coverage.
Serving Canadians Since 1905
Over a century of experience delivering trusted insurance solutions.
Fast, Personalized Advice
Our local insurance experts understand your specific needs.
Convenient Same-Day Service
Get covered fast with hassle-free, same-day insurance solutions.
Giving Back
Through the Western Communities Foundation.
Over $9M donated since 2001 to strengthen communities.
Western Financial Group is a proud member of the Insurance Brokers Association of:
Alberta, British Columbia, Manitoba, Ontario
Do you know about our Risk Management Services?
Our risk management team collaborates with you to assess your business and identify areas for improvement.
Learn more about our Risk Management Services.
Need to Make a Claim?
FAQ’s About Business Insurance in Canada
How much does business insurance cost in Canada?
Costs vary based on factors like size of your business, location, services offered, and any previous claims.
What kind of risk does commercial general liability cover in Canada?
Injury to another person who is not your employee damage to someone’s property, damage to rented property, medical bills if someone is injured, legal and settlement costs of liability lawsuits filed against you.
What insurance does a small business need in Canada?
Commercial general liability (CGL), commercial property insurance, depending on your business you might need product liability insurance, professional liability and cyber liability
What is business interruption insurance?
Business interruption insurance helps recover lost business income and ongoing business expenses while your Canada small business is temporarily closed.
What is commercial property insurance?
Commercial property insurance can help cover repair or replacement costs if your Canada business’s property is damaged or destroyed due to a covered loss, such fire, theft, storms including wind and hail, or vandalism.
Do I need Commercial Auto Insurance if I already have personal car insurance?
Yes. Personal auto insurance usually does not cover accidents or claims that occur while using your vehicle for business. If you drive for work, deliveries, client visits, hauling equipment, etc. you need a commercial policy.
October 23, 2025
Your Restaurant Doesn't Need a Side of Cybercrime
Could your restaurant recover from a cyberattack? Does your restaurant have cyber liability…
October 20, 2025
Is Your Business Protected Against Lawsuits and Losses?
Could your business financially survive a lawsuit? What about a fire or flood? Does your sma…
October 6, 2025
What Kind of Insurance Do Barbers Need?
You’re snipping, clipping, and cutting all day, but owning a barber shop is more than…