Protect your building, inventory, and operations with coverage tailored to your business. Fire, water damage, theft, and vandalism can bring your business to a halt. Regal Insurance helps you protect your commercial property with customized coverage from top Canadian providers. Whether you own a retail store, office, warehouse, or commercial building, we’ll help you compare quotes and find the right protection—fast, easy, and all in one place.
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Regal Insurance is your trusted commercial insurance broker in Ontario. We work independently to support your business, not the insurance companies. We compare rates from top Canadian providers to help you find the right coverage for your building, assets, and day-to-day operations.
Whether you’re starting a new venture, expanding locations, or reviewing your existing policy, our team is here to help—from quote to claim.
Reach out today for your free commercial property insurance quote.
From protecting your physical space to securing your operations, Regal Insurance offers tailored business insurance solutions across industries. Explore our most popular commercial insurance products below to build a coverage plan that fits your unique business.
Protects your business against third-party injury, property damage, and legal claims—an essential layer for any operation.
Covers lost income if your business is forced to temporarily close due to insured events like fire or equipment breakdown.
Whether you operate a single service van or a full delivery fleet, we offer coverage that keeps your vehicles and drivers protected.
Tailored protection for trades like construction, plumbing, electrical, roofing, and more—including tools, liability, and job site coverage.
Protects your business from data breaches, cyberattacks, and privacy claims with dedicated digital risk coverage.
Helps cover the repair or replacement of critical machinery after mechanical or electrical failure.
Covers legal costs and damages if your product or service causes harm, loss, or injury.
Specialized coverage for commercial landlords, property managers, and vacant landowners across Ontario.
Insurance packages designed for storefronts, restaurants, spas, and hotels—covering everything from inventory to liability.
Commercial insurance doesn’t need to be confusing. At Regal Insurance, we simplify the process by comparing quotes from top Canadian providers to find the right protection for your business property, assets, and operations.
As an independent brokerage, we work for you, not the insurance companies. Our licensed Ontario brokers understand local regulations, industry risks, and what matters most to business owners like you.
From small startups to multi-location operations, we proudly support businesses across Ontario—including Kitchener, London, Mount Brydges, Cambridge, and Oakville.
About UsConnect with our brokers for customized insurance solutions that outdo big providers. Specializing in Ontario commercial insurance, we compare Canada’s top insurers to ensure you receive the right coverage at the best possible price.
Fill out this short form and get your free, no-obligation commercial property insurance quote today!
Whether you own a storefront, office, or warehouse, commercial property insurance is essential to protecting your physical space and everything inside it. At Regal Insurance, we help Ontario business owners understand what’s covered, what’s optional, and how to get the right protection for your operations.
Covers the physical structure of your business property against risks like fire, vandalism, water damage, and severe weather.
Protects the contents of your building—including equipment, furnishings, inventory, and supplies—from covered events..
Covers repair or replacement costs when essential machinery or systems (e.g., HVAC, refrigeration, boilers) break down due to internal failure—not external causes.
Helps recover lost income and operating expenses if you’re forced to close or pause operations due to a covered event like a fire or flood.
Protects against losses due to burglary, vandalism, or internal theft, including employee dishonesty or fraud.
Standard policies don’t always include natural disasters. These add-ons provide essential protection in high-risk regions.
Covers renovations or customizations you’ve made to a leased space, so you’re not out-of-pocket if damage occurs.
Covers the cost of clearing damaged property after an insured event, which can add up quickly after fire, flood, or storm.
We partner with Canada’s top insurance providers so you can compare quotes side by side, choose the best coverage for your needs, and lock in a competitive rate, without the hassle.
Protecting your business shouldn’t break the budget. At Regal Insurance, we help Ontario business owners find smart ways to reduce their premiums, without compromising on the coverage they need to stay secure and compliant.
We compare quotes from multiple trusted commercial insurers to find the right protection at the best possible price, saving you time and money.
Combine your commercial property insurance with liability, auto, or business interruption coverage to unlock multi-policy savings.
Higher deductibles can lead to lower premiums. We’ll help you find the right balance between monthly cost and risk exposure.
Installing alarms, sprinkler systems, and following recommended safety protocols can reduce claims and your premium.
Your operations, assets, and risk profile change over time. Reviewing your policy annually ensures you’re not overpaying for outdated or excessive coverage.
Want more insights on how to reduce insurance costs for your business? Visit our Help Centre to explore practical guides on policy optimization, risk management, and commercial insurance best practices.
Already a Regal Insurance Brokers client? Access the tools you need—fast. Whether you want to file a claim, update your policy, or speak with your broker, we make it easy to stay protected and informed.
Get step-by-step guidance and support when you need it most. Start your claim online or speak to an expert.
Pay your premium with confidence using our secure online payment system.
Log in to view, download, or print your policy documents whenever you need them.
Book a time that works for you to speak with a Regal advisor—virtually or face-to-face.
Commercial property insurance safeguards your business’s physical assets against a range of risks. This includes protection for:
It’s important to note that standard policies might not cover certain perils like floods or earthquakes unless specifically added. Additionally, wear and tear or intentional damage are typically excluded.
While not mandated by law in Ontario, commercial property insurance is often a prerequisite set by landlords or financial institutions. For instance, if you’re leasing a commercial space, your landlord may require you to have this insurance to cover potential damages. Similarly, lenders might insist on it as a condition for financing. Beyond these requirements, having this insurance is a prudent measure to protect against unforeseen events that could disrupt your business operations.
Any business that owns or leases physical space or assets should consider commercial property insurance. This encompasses:
Even if your business operations are primarily digital or remote, if you have physical assets or equipment, this insurance provides a safety net against potential losses.
Costs vary depending on location, building size, construction type, security measures, and coverage limits. Small businesses might pay a few hundred per year; larger operations could pay thousands.
Several key factors influence the cost of your commercial property insurance:
Yes there are several strategies to help lower your commercial property insurance premiums:
Consulting with an experienced insurance broker can provide personalized advice tailored to your business’s specific needs and help identify additional cost-saving opportunities.
Commercial property insurance covers the physical assets of your business—such as buildings, equipment, and inventory—against risks like fire, theft, or vandalism. It ensures that if your property is damaged, the costs of repair or replacement are covered.
On the other hand, business interruption insurance provides coverage for the loss of income and additional expenses if your business operations are halted due to a covered peril. This includes compensation for lost profits, fixed costs like rent and payroll, and expenses related to temporary relocation. It’s important to note that business interruption insurance is not automatically included in standard property policies and typically needs to be added as an endorsement.
Yes, many insurers offer a Business Owner’s Policy (BOP), which bundles various essential
This bundled approach simplifies the insurance process and often results in premium savings compared to purchasing each policy separately.
Absolutely. Regal Insurance Brokers has been serving Ontario businesses since 1984, offering tailored insurance solutions for enterprises of all sizes. Whether you’re operating a home-based business, a retail storefront, or a growing multi-location company, our experienced brokers understand the unique challenges small businesses face. We provide customized coverage options, including protection against cyber attacks, liability lawsuits, business interruption, and more, ensuring your business is safeguarded against unforeseen events.
Yes. At Regal Insurance, we believe in building long-term relationships with our clients. Our brokers are committed to supporting your business as it evolves. We offer comprehensive policy management services, including annual reviews, adjustments to coverage as your operations expand, and assistance with claims. Our goal is to ensure your insurance coverage remains aligned with your business needs, providing peace of mind as you focus on growth.
Yes, Regal Insurance Brokers is a licensed brokerage in Ontario. Our brokers are required to pass the Registered Insurance Brokers of Ontario (RIBO) exam and adhere to ongoing education requirements
Absolutely. Regal Insurance offers personalized service through our brokers, available via phone, email, or in-person consultations
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