Commercial Insurance in Oshawa

Situated just a short distance away from Toronto, right in the Golden Horseshoe and the Greater Toronto Area, Oshawa has the distinction of being the Regional Municipality of Durham’s largest city. As the home of General Motors Canada and the “Automotive Capital of Canada”, the city has traditionally been associated with the automotive industry. But additional sectors that have seen recent success in Oshawa include:

  • Film 
  • Education
  • Manufacturing
  • Administration
  • Government

As a business owner, you’ve worked hard to get your company off the ground. In many ways, your personal and professional livelihood depends on being able to protect your business as much as possible. When the unexpected occurs and you’re hit with a personal injury lawsuit or you’re dealing with the aftermath of an office fire, commercial insurance can make a world of difference for your finances and your reputation.

Business Insurance in Oshawa

Every business venture has its own unique risk profile. As such, it’s important to make sure that your commercial insurance policy is a good fit for your coverage needs. Here at Insurance Hero, we offer business insurance solutions that are able to grow and scale alongside your company. This way, no matter what the future holds for your business, you’ll always have a commercial insurance product that works for you.

Commercial Insurance for Small Business

When you’re a small business, it goes without saying that every penny counts. As such, you need a commercial insurance policy that strikes a healthy balance between affordability and coverage. At Insurance Hero, we pride ourselves on offering a full range of customized commercial insurance solutions to our small business clients. With us, you’ll get the coverage you need at the best rates possible.

Types of Commercial Insurance Products for Businesses

Details like your industry, the size of your business, and even your physical location can all affect your coverage needs. But even so, there are a few common coverage options that are often bundled into most business insurance products. So much so that you may even see them repeated across multiple quotes and insurance bundles. These would include:

Commercial General Liability Insurance (CGL)

If a customer were to slip on a wet floor and break a hip or a member of your team was to cause water damage while doing a pipe replacement, your business could find itself subjected to a lawsuit. Commercial general liability insurance is often considered a must-have for businesses because it can cover the price of legal fees as well as judgment amounts. From personal injury lawsuits to damage done to the building you’re leasing, CGL is flexible and comprehensive enough to protect your company in a wide range of situations.

Commercial Property Insurance

Does your office have expensive chairs, computers, and desks? Do you have specialized processing equipment or refrigerators that you rely on to produce deliverables? If your property is damaged by fire or lightning, commercial property insurance can assist you with the cost of repairing or replacing your damaged items. This makes it possible for you to avoid having to buy new equipment out of pocket on short notice. In addition, for pieces of equipment that may require more coverage, there are also extended perils that you can use to insure your company’s property.

Commercial Auto Insurance

Oshawa residents have easy access to Highway 401 and Highway 2. What this means is that if you’re routinely going into Durham Region, York Region or Toronto for business, you can easily do so by car. If you’re regularly on the road meeting clients, making deliveries, or transporting inventory, however, a personal auto insurance policy might not give you the amount of coverage you need if you’re ever in an accident or involved in a collision. Your Insurance Hero team member will be able to go over the finer details of your situation with you to see if you need to take out a commercial auto insurance policy.

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Need a Quote on Commercial Insurance for Your Business?

Here at Insurance Hero, we understand that finding commercial insurance isn’t just a matter of satisfying regulators and crossing off items on your legal checklist. It’s about being able to protect your company to the best of your abilities. Here at Insurance Hero, we’ve established strong working relationships with a number of direct insurance providers. We’ll help you find the coverage you need for your Oshawa-based business and we’ll do so at the most competitive rates available.

Are you ready to insure your company? Contact us or request your free commercial insurance quote today!