Property & equipment
Review buildings, contents, machinery, and stock. Consider values, locations, insured causes of loss, and any special equipment or transit needs.
ONTARIO INSURANCE / BUSINESS INSURANCE
For the business you’re building. And what comes next.
A commercial-first perspective on your operations, your risks, and your ambitions. Explore business insurance with Fortiva, an Ontario P&C brokerage and a Division of CHAT Insurance.
Request a Commercial QuoteProtect what matters, plan for more.
01 / BUSINESS INSURANCE BY INDUSTRY
Your business is specific.
Your conversation should be, too.
Start with the way you work. Explore the risks, coverage questions, and insurance considerations relevant to your industry.
Manufacturing
From raw materials to finished products, each stage brings different risks. Start with a clear picture of your processes, equipment, customers, and plans for growth.
Explore this industry
Contractors & construction
Your work moves from site to site. Your insurance conversation should follow your trade, projects, people, tools, and the responsibilities you take on.
Explore this industryWholesale & distribution
Your business connects products with the people who need them. Review the risks that follow your goods from incoming shipments to storage, sale, and delivery.
Explore this industry
Retail stores
For your premises, merchandise, customers, and daily operations.
View industry overview
Restaurants
For the business behind every service.
View industry overview
Commercial property owners
An informed approach to the buildings you own.
View industry overview02 / THE FOUNDATIONS
Consider the assets.
The responsibilities. The income.
An insurance review connects your property, third-party exposures, and the consequences of an insured disruption.
Liability
Discuss allegations of injury or property damage involving your operations, products, or work. Limits, exclusions, and contractual responsibilities deserve close attention.
Business interruption
Consider income and extra expenses after a covered event. The insured trigger, waiting period, dependencies, and time needed to recover all matter.
03 / SPECIALIZED COMMERCIAL COVERAGE
Different exposures.
More focused questions.
Use these coverage overviews to prepare for a discussion. A coverage name alone does not explain everything a policy includes or excludes.
Commercial auto
Vehicles used to keep your business moving.
Read the coverage overviewBuilders’ risk
Property considerations during construction and renovation.
Read the coverage overviewCyber insurance
Digital incidents and the disruption they can create.
Read the coverage overviewCommercial general liability
Third-party injury and property damage exposures.
Read the coverage overviewProfessional liability
Claims arising from advice, design, or professional services.
Read the coverage overviewDirectors & officers liability
Management decisions and their potential consequences.
Read the coverage overviewCommercial auto
Discuss vehicle use, drivers, operating radius, and the goods you carry. A personal auto policy may not be appropriate for business operations; vehicle insurance and cargo insurance address different risks.
Builders’ risk
Consider the project value, materials, location, construction period, and who is responsible for arranging insurance. Builders’ risk is property coverage; it does not replace the liability coverage needed by contractors.
Cyber insurance
Explore incident-response costs and other digital exposures. Security controls, ransomware conditions, social engineering, and third-party liability vary by policy and require careful review.
Commercial general liability
Consider your premises, operations, products, and completed work. Contractual obligations, professional services, pollution, and the cost of correcting your own work need separate attention; a CGL policy does not cover every business dispute.
Professional liability
Often called errors and omissions insurance, this coverage is considered where a client alleges a loss caused by a professional service. Review the insured services, reporting conditions, retroactive dates, and exclusions.
Directors & officers liability
Discuss claims alleging wrongful acts by directors or officers, the entity being insured, and the policy’s defence and reporting terms. Employment-related and other management exposures may require distinct coverage.
MORE INDUSTRIES / A STARTING POINT
From the storefront
to the property you own.
Different activities call for different questions. Start with a short overview of the operations you want to discuss.
Retail stores
Consider seasonal stock values, customer foot traffic, equipment, crime, and online sales. Ask how property, liability, and interruption coverages would apply to your particular store.
Restaurants
Discuss cooking operations, equipment, food stock, spoilage, delivery, and any alcohol service. Coverage for contamination, equipment breakdown, or a closure is not automatic.
Commercial property owners
Review building values, occupancy, tenant activities, leases, rental income, and maintenance. Tell your broker about vacancies, renovations, and changes in how the property is used.
QUESTIONS, ANSWERED
A clearer view
of your insurance.
Start with the questions that matter to you. Your policy and circumstances always guide the details.
Is there one policy that suits every business?
No. Start with what you do, the property you use, your customers and contracts, and the losses your business could face. Coverage should be considered against those facts and the insurer’s terms.
What affects a commercial insurance premium?
Operations, revenue, property values, locations, loss history, risk controls, limits, and deductibles can all be relevant. An insurer sets the price after assessing the information provided; this website does not quote or guarantee a rate.
When should I review my insurance?
Consider a review at renewal and when your activities change—for example, a new location, vehicle, product, contract, or sales territory. Let your broker know before relying on existing coverage for a new exposure.
Can I discuss both business and personal insurance?
Yes. Fortiva’s commercial focus sits alongside personal insurance services. Explore the personal overview for home, auto, condo, tenant, rental-property, and travel considerations.
For general background, visit the Insurance Bureau of Canada’s business coverage guide (opens in a new tab). For life beyond work, explore personal insurance.
YOUR NEXT CONVERSATION / FORTIVA INSURANCE
Protect what matters.
Plan for more.
Let’s discuss your business, operations, and coverage priorities.