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Home-based business/office insurance

You’re one click away from a FAST and easy business insurance quote. One form. One price; it’s that simple.

We’re the right renter's insurance brokers for your business at home or at the office.

Business insurance that works with you

As Canada’s Insurance Broker, Western Financial Group has spent years advising clients on the right business insurance. Renewing or starting a new policy? Whether you’re home or office based, Western will protect you from business-related risks. Some might be addressed by a rider on your home insurance, or separate commercial coverage — we have options for all businesses. For business interruption, cyber, business property insurance, protection for merchandise, liability etc, turn to a licensed Western expert.

Always provide full disclosure when it comes to your business

It’s important that we have all the information about your business operations, and any potential risk exposures you face at work. We want to provide you the right coverage for your needs and often need your help to do so. Just as you would with your other insurance policies, keep our brokers informed about any material change in risk toward your business.

Liability coverage for your business at home or office

Operating a business takes determination, dedication and drive. We get it — that’s why you need a policy that’s as flexible and agile as you have to be at work. Liability insurance protects your business if you were found legally liable for physical injury to others, or damage to property. As licensed experts, we will learn about where your business is located, and advise you on the kind of coverage you need to protect yourself. Whether it’s commercial general liability, business premises or errors & omissions, we’ll offer you the right policy.

Protect your work vehicle

We’re ready to provide insurance solutions for all aspects of your business. Take traveling for your job, for instance. You will require a commercial vehicle policy if you use your car/truck for work, as your personal insurance will not cover your vehicles when used for business.

You’re one click away from a FAST and easy business insurance quote. One form. One price; it’s that simple.

Frequently asked questions:


Is my home-based business already covered by my homeowner’s policy?

The answer to that question depends on your business operations, as well as your company’s annual revenue. Our experts see to it that you’re properly covered against all risks.

Whether your business at home is small or large, Western Financial Group brokers will advise you on all products and options available.

For example, if customers or employees come to your home, the liability on your home insurance policy will not cover you if a person is injured while on your premises for business-related reasons.

How are my business insurance premiums calculated?

Businesses come in all different types and, in saying that, your premium is determined based on a series of factors. At Western Financial Group, we will build you the right policy that best protects your business. The following factors are, among others, often used to calculate your premium:

  • Annual gross receipts
  • Number of employees.
  • Location(s) of your company.
  • The markets you serve – e.g. Insurers consider U.S. customers extremely risky because companies in the United States are highly litigious.
  • Activities to reduce your risk and protect your property to discourage theft, vandalism and fire.
  • How much coverage you require.
  • How long you've been in business.
  • Your claims history.

You’re one click away from a FAST and easy business insurance quote. One form. One price; it’s that simple.