Commercial Insurance in Ontario
We specialize in all types of commercial insurance, including property, fleet, liability, and other specialty lines. As a Lloyd's of London Coverholder with access to all major markets, we bring you comprehensive options at the right price. We believe you should be able to speak to real people, and that service is everything.
- Commercial insurance
- All Types
- Serving
- All of Ontario
- Market access
- 75+ Markets
Roughley Insurance has arranged commercial coverage for Ontario businesses since 1945. As an independent brokerage we work for you, not an insurance company, and we shop all the major markets to find the right fit, whether you need business insurance in Ontario for a growing company, contractor insurance for a trade, commercial auto insurance for work vehicles, commercial property insurance for a building you own, professional liability insurance for the advice you give, restaurant insurance for a kitchen and dining room, or rental property insurance for units you rent out. Our commercial team serves companies across Durham Region from offices in Oshawa, Bowmanville, and Port Perry, and works as a commercial insurance broker in Toronto for businesses across the GTA.
Core Commercial Coverages
The policies most Ontario businesses build on, from general liability to cyber.
Industry Programs
Coverage shaped around how your industry actually works, not a generic package.
Farm & Agriculture Programs
Working farms are a Roughley specialty, from hobby acreage to full commercial operations.
Commercial Insurance Questions, Answered
How much does commercial insurance cost in Ontario?
There is no flat rate. Premiums are driven by your industry and its risk, your annual revenue and payroll, the liability limit you carry (commonly $2 million or $5 million), your claims history, and the coverages you add such as property, fleet, or cyber. A home-based consultant and a roofing contractor pay very different premiums for the same limit. The fastest way to a real number is a quick quote, and we shop all the major markets to find it.
What types of commercial insurance does an Ontario business need?
Most businesses start with commercial general liability (CGL), then add what their operations expose: commercial property for buildings, contents, and equipment, fleet or commercial auto for vehicles, professional liability (E&O) for advice and services, cyber for data and payment systems, and directors and officers for incorporated boards. Contract-driven work often also needs surety bonding. A broker's job is matching that list to your actual operations, not selling the whole shelf.
Do I need commercial insurance in Ontario?
Ontario law does not require most businesses to carry liability insurance, but in practice almost every business needs it. Any vehicle used for business must carry automobile insurance by law, some regulated professions must carry professional liability insurance to keep their licence, and most commercial leases, client contracts, and lenders ask for proof of general liability or property coverage before you sign, start work, or close a loan. Without it, a lawsuit or a fire is paid out of the business's own funds.
What are the two types of business insurance?
Business insurance falls into two broad types: liability and property. Liability insurance pays when your business is legally responsible for injuring someone or damaging their property, and property insurance covers what your business owns, such as buildings, equipment, and inventory. Most Ontario businesses carry both.
Commercial Brokers for Durham Region and Toronto
Offices in Oshawa, Bowmanville, and Port Perry, with commercial clients across Toronto, Durham, and the rest of Ontario. If your operations span multiple sites or provinces, we build the program around it.
Bidding on contract work?
Bid bonds, performance bonds, and labour and material payment bonds are handled by our dedicated surety department for established Ontario contractors.
Ready When You Are
Get a Commercial Insurance Quote
Tell us about your operations and a commercial broker will shop all the major markets for you. Real people, real options, and advice you can actually use.