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1-866-860-1958

Toronto's Best Insurance Rates

Business Insurance Made Simple with Western Financial Group

Free Quotes. No Hidden Fees. icon

Free Quotes. No Hidden Fees.

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Over 7,500 Five-Star Reviews

Fast, Expert Advice from Licensed Professionals icon

Fast, Expert Advice from Licensed Professionals

Serving Canadian Businesses Since 1905 icon

Serving Canadian Businesses Since 1905

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1-866-860-1947

Experience the Difference of working with Western,

Canada's Top Insurance Broker

1

You First

Reliable service, immediate contact. We respect your time with efficient, timely responses. We offer flexible, tailored insurance solutions, in some cases, combining the best from various providers.

2

Oustanding Service

We're committed to honest rates and exceptional service. Your business matters to us beyond the initial quote.

3

Freedom of Choice

We work with Canada’s leading insurance partners to get you the right coverage and value.

4

Trusted Guidance

We offer professional, personalized, unbiased assessments, detailed option research, and recommend optimal coverage and rates tailored to you.

Industries

Business Insurance

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 Insurance

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 insurance

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 insurance

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.

Retail Insurance

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

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.

Become one of the thousands of businesses trusting Western Financial for their insurance needs.

Financial Protection

Financial Protection

Covering losses from property damage, lawsuits, and disruptions.

Liability Coverage

Liability Coverage

Shielding your business from legal claims.

Business Continuity

Business Continuity

Ensuring operations can recover after an interruption.

Cost-Effective and Reliable Service

Cost-Effective and Reliable Service

Affordable coverage, reliable support.

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Read customer testimonials about their experience with Western Financial Group

Over 7,500 5-Star Reviews

Lianne E.

I've had my commercial insurance policy for almost 20 years with Marc Ricard and have always been happy with the service and rates I received. Highly recommended!

Spencer S.

Huge S/O to Carley and Jesse yesterday for hooking me up with a great policy for my motorcycle in BC.

Fatema A.

If you need someone who will explain all your options in lay man terms, speak to Syed Ameer. He was amazing and made the whole process so smooth and simple. Syed also saved me a lot of $$$. Thank you

FAQs

How much does business insurance cost in Toronto, ON?

The following factors are usually considered when determining the cost of your business insurance:

  • Location(s)
  • services provided
  • number of employees
  • years of experience
  • annual revenue
  • any past claims

What risks does Toronto commercial general liability insurance cover?

  • Injury to a third party who is not your employee
  • Damage to someone’s property
  • Damage to rented property
  • Medical bills if someone is injured
  • Legal costs and settlement costs of liability lawsuits filed against you
  • Liability lawsuits related to slander and libel

How Business Interruption Insurance can help my Toronto business?

Business interruption insurance can help with these expenses:

  • Payroll
  • Rent
  • Utilities
  • Property taxes
  • Alarm monitoring
  • Relocation of your business

What do I do if I have a claim against my Toronto business?

  • Contact your broker immediately after any business-related mishap. Waiting to file a claim can confuse insurers about the severity of the damages to your business.
  • Know your policy so that when you contact your broker you are familiar with what will be covered or not.
  • Document the damage. Take photos right away and write down what happened.
  • Do not throw away damaged goods after taking photos. Keep the physical evidence so that your adjustor can see it.
  • Do not invite lawsuits. Don’t say anything that could be used against you, especially if you aren’t sure what happened.
  • Be honest about what your damaged property is worth. Damaged commercial property is generally valued according to its actual cash value or replacement value.