Find the Right Insurance for Your Business
Regal Insurance Brokers tailors coverage to your industry.
Every business is unique, so your coverage should be too. Explore industry-specific insurance options, browse by business type, and quickly find the protection that fits how you operate.
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As an independent brokerage, Regal Insurance works for you, not the insurance companies. That means you get unbiased advice, personalized coverage, and the best available rates, all in one place.
- Get multiple competitive insurance quotes from Canada’s top insurance providers
- Tailored coverage for your home, vehicle, and more
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Whether you’re switching providers, renewing your policy, or insuring something for the first time, we’re here to guide you every step of the way.
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What Does Business Insurance Typically Cover?
Business insurance looks different for every industry, but most policies are built around a few essential types of coverage. Here’s what business owners in Ontario commonly rely on, no matter what type of company they operate.
Business Insurance Coverage Pillars
General & Professional Liability Protection
Covers claims related to injuries, property damage, or professional advice. Essential for businesses with client interaction, services, or advisory work.
Property & Equipment Coverage
Protects your workspace, tools, equipment, inventory, and physical assets against fire, theft, water damage, vandalism, and other insured events. Applies whether you own, rent, or work from a shared space.
Business Interruption & Income Protection
Helps replace lost income and operating expenses if your business must pause due to an insured event. Supports recovery from shutdowns, repairs, or disruptions that impact your ability to serve customers.
Cyber & Digital Security Coverage
Safeguards your business from data breaches, cyberattacks, ransomware, and privacy-related incidents. Increasingly important for businesses handling bookings, payments, customer data, or digital operations.
Why Industry-Specific Coverage Matters for Your Business
Every business faces different risks, from the tools you use to the clients you serve and the environment you operate in. Industry-specific coverage ensures your policy reflects how your business actually runs, not a generic template.
Whether you provide professional services, work hands-on with clients, manage equipment, or operate a physical space, tailored protection helps prevent gaps, avoid unnecessary costs, and give you the right support when it matters most.
Serving communities across Ontario—including Kitchener and London to Mount Brydges, Cambridge, and Oakville—we help ensure you have tailored protection backed by expert, local guidance.
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Frequently Asked Questions
What does business insurance typically cover?
Business insurance is designed to protect your company from the most common financial risks you face day-to-day. Most Ontario businesses rely on four core types of coverage:
- General & Professional Liability: Covers injury, property damage, or claims related to your professional advice or services.
- Property & Equipment Coverage: Protects your workspace, inventory, tools, and physical assets against fire, theft, water damage, or vandalism.
- Business Interruption & Income Protection: Replaces lost income and helps cover ongoing expenses if an insured event forces your operations to pause.
- Cyber & Digital Security Coverage: Defends your business against cyberattacks, data breaches, ransomware, and privacy-related incidents.
Your exact coverage depends on your industry, how you operate, and the risks specific to your business.
Why does my industry affect the type of insurance I need?
Every business operates differently — and insurers price risk accordingly. A contractor, a massage therapist, and a marketing consultant all face different exposures.
Industry-specific insurance ensures your policy includes the protections that matter most, such as:
- Tools and equipment coverage for trades
- Professional liability for consultants
- Cyber protection for businesses handling online bookings
- Product liability for retailers or e-commerce shops
- Treatment liability for beauty, spa, or aesthetics services
This prevents coverage gaps, avoids unnecessary costs, and aligns your insurance with how you actually run your business.
How do I know which insurance products my business needs?
Start by identifying:
- How you serve clients (in-person, at their location, online)
- What tools or equipment you rely on
- Where you operate (office, storefront, shared workspace, job site)
- What could cause downtime (equipment failure, fire, water damage, cyberattack)
- What liabilities you face (injury, data exposure, professional mistakes)
Regal’s filtering tool lets you instantly browse relevant coverage options by business type. A broker can finalize your package based on your operations, risks, and budget.
Do I need business insurance if I work from home?
Yes. Home insurance does not cover most business-related risks. If you run a home-based business — coaching, consulting, bookkeeping, aesthetics, online retail, etc. — you may still need:
- Professional liability
- Cyber coverage
- Business equipment protection
- Product liability
- Commercial general liability
Even small home-based businesses can face costly claims without proper coverage.
How much does business insurance cost in Ontario?
Premiums vary widely based on:
- Your industry
- Size of your business
- Annual revenue
- Claims history
- Tools and equipment value
- Type of workspace
- Cyber or digital exposure
Most small businesses pay $500–$5,000 per year, though higher-risk sectors may pay more. A broker can match you with insurers that specialize in your industry for better pricing.
Can I bundle my business insurance with other policies?
Yes. Many business owners save by bundling:
- Business + commercial auto
- Business + home
- Business + personal auto
- Multiple business policies
Bundling simplifies your coverage and often unlocks multi-policy discounts.
Does business insurance protect me if I’m sued?
Yes — liability coverage helps pay for:
- Legal defence
- Settlements
- Damages awarded by the court
- Medical expenses for injured third parties
Professional service providers (consultants, coaches, advisors, IT specialists, etc.) also benefit from Errors & Omissions (E&O) coverage, which protects against claims related to advice, design, consulting, or recommendations.
Does my business need cyber insurance?
If your company accepts payments, manages customer information, runs online bookings, uses cloud tools, or relies on email — the answer is yes.
Cyber insurance protects you from:
- Ransomware
- Phishing and fraud
- Data breaches
- Privacy breaches
- Software and system failures
- Cyber extortion
- Regulatory fines (where allowed)
It’s one of the fastest-growing risks for Ontario businesses.
What happens if an insured event shuts down my business?
Business interruption insurance helps cover:
- Lost income
- Rent or mortgage payments
- Utilities
- Employee wages
- Temporary relocation
- Extra expenses needed to keep operating
This coverage is critical for recovery after a fire, water damage, equipment breakdown, or other insured events.
Do Regal’s brokers work with multiple insurers?
Yes. Regal compares quotes from Canada’s leading commercial insurers to help you find the right coverage at the best price. You are never tied to one insurer or one policy option.
Is it better to buy insurance online or through a local broker?
Online quotes are quick — but they rarely reflect the full complexity of business risks. A broker ensures:
- The right policy for your industry
- No hidden coverage gaps
- Better pricing through insurer negotiation
- Access to insurers that specialize in your business type
- Help with claims and policy updates
Most businesses benefit from pairing online convenience with professional guidance.
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