- Professional liability
- Errors and Omissions insurance
- Disability Insurance
- Business Insurance
- Contractors Insurance
- Surety bonding
Professional Liability (E&O) Insurance
This insurance protects professionals financially in the event they get sued by a client or third party. The insurance kicks in when the suing party endures physical, emotional, or monetary damages and decided to take matters to court or file a claim.
Professional Liability insurance is also referred to as Errors and Omissions Insurance and Professional Indemnity Insurance across Ontario, Canada.
Please find the list of professions we commonly insure below:
Many professions in Ontario require liability insurance to be present prior to providing any professional services to the public.
If your profession is not listed below, please contact us. We can do our research and find you a market that has good coverages and fair rates!
FAQ Regarding Professional Liability
- How much professional liability insurance coverage do I need?
- How do I get a pli policy?
- What does professional liability insurance cover?
- What is the difference between claims made & occurrence form of coverage?
- When will I need to be insured?
- Who needs professional liability insurance?
Other useful posts
- Canadian insurance companies that provide PLI
- How does professional liability insurance claims process work?
- What is the cost a professional liability insurance policy?
- How do I apply for a PLI policy?
- How do I qualify for PLI coverage?
- What is the purpose of getting insured as a professional?
- How Long Does it Take to Get a professional liability insurance quote?
Errors and Omissions Insurance
Errors and Omissions Insurance (E&O Insurance) protects professionals & their businesses financially if they get sued because of negligence, errors, mistakes, and other reasons. This insurance is also called professional liability insurance & professional indemnity insurance in Ontario, Canada.
Frequently asked questions before buying an E&O Insurance Policy
- What does an errors and omissions insurance policy cover?
- Does my business require errors and omissions insurance coverage?
- What does errors and omissions insurance cost?
- How can I lower my E&O insurance cost?
- For does E&O insurance for independent contractors I work with work?
- What does an E&O Insurance policy not cover?
- Why do some of my clients require that I have an E&O insurance policy in place prior to working with me?
- What is a certificate of errors and omissions insurance?
- What if I want to cancel my E&O insurance coverage?
Business Insurance
This insurance is crafted for business owners that operate as a sole proprietor, are in partnerships, or are shareholders in corporations. A business has many different risk exposures than range from a customer slipping on their premises to a baby choking on a toy made by a large box retailer.
Coverages to acquire under the basic package (For small or new businesses)
- General Liability Insurance – Click to learn about cost, coverages offered, and benefits
- Commercial Auto Insurance
- Workers Compensation Insurance – Must apply at WSIB
Coverages to acquire as your business grow or if you are already a growing company
Types of business insurance we provide:
We cater to businesses of all sizes. Whether you are small mom and pop shop or a corporation with 100’s of members, we have the markets.
FAQ about Business Insurance
- Business Insurance Cost
- How to get Business Insurance
- Getting a Business Insurance Quote
- Do I need to get Liquor Liability Insurance?
- What is the difference between occurrence and claims-made policy coverage?
Disability Insurance
You biggest asset in life is your earning ability. If you are unable to work, you will need to rely on either your savings or borrow money to sustain your lifestyle. When these unfortunate circumstances occur, dependents and spouses are also impacted financially and emotionally.
Disability insurance coverage will provide you a monthly income benefit, usually totaling 70% to 80% of your income, when you are unable to work for a period of time due to injury or illness.
Types of Disability Insurance we offer
- Long-Term Disability Insurance (LTD)
- Short-Term Disability Insurance
- Key Person Disability Insurance
- Self Employed Disability Insurance
- Mortgage Disability Insurance
- Temporary Disability Insurance
- Supplemental Disability Insurance
Other Disability Insurance Resources that you can read
- Are Canadian Disability Insurance Premiums Tax-Deductible?
- Will My Long-Term Disability Income Be Taxable?
- Dealing With Elimination Periods For Short And Long-Term Disability Insurance
- Pregnancy And Disability Insurance
- Who Pays For Disability Insurance?
- Why Employers Offer Disability Insurance
- Maternity Leave And Disability Insurance Benefits
- How Long Do Long-Term Disability Benefits Pay?
- How Much Does Long-Term Disability Insurance Cost?
- Is Disability Insurance Worth It?
- How Much Disability Insurance Should I Get?
- What Does Disability Insurance Cover?
- What To Look For In Disability Insurance?
- Do I Need Disability Insurance After I Retire?
- Does Disability Insurance Cover Pre-Existing Conditions?
- How Does Disability Insurance Work?
- How Long Does Long Term Disability Insurance Pay?
- Is Wage Loss Insurance The Same As Short Term Disability?
- When Does Long Term Disability Insurance Start?
- Can You Buy Your Own Short Term Disability Insurance?
- Can You Get Disability Insurance If You Are Unemployed?
- Can I Buy My Own Short-Term Disability Insurance?
- Can You Get Individual Short Term Disability Insurance?
- Are Credit Cardholders Insured By Disability Insurance Plans?
Contractors Insurance
When contractors take on residential or commercial jobs, they expose themselves to liability. For example.. if they screw up the job, damage property, or cause injuries.. they are then liable. This where this insurance comes in and protects the professional, financially similarly to how E&O insurance works.
We also provide Builder’s Risk Insurance for contractors and builders. This insurance provides financial protection to property owners, subcontractors, and general contractors during the construction of the project.
Types of contractors we commonly insure:
- Telecommunications
- Plumbing insurance
- Construction
- Landscaping insurance
- Cleaning insurance – Residential, industrial and commercial
- Carpentry insurance
- Electrical insurance
- Handyman insurance
- Painting insurance – Residential, commercial, and industrial
- Snow plow insurance
- Roofing
- HVAC insurance
- Extermination
- Air duct cleaning
Frequently asked questions before buying contractors insurance
- Do I Need Contractors Insurance to be able to work in Ontario?
- How Much Contractors Insurance Should I Have?
- How Much Does General Liability Insurance For Contractors Cost?
- What Is Contractors Liability Insurance?
- Are Contractors Required To Have Insurance?
- What Does a Contractors Insurance Policy Cover in Ontario?
- Are the Subcontractors I hire Covered Under My Contractors Insurance Policy?
- As a Contractor Do I Need Professional Indemnity Insurance?
- Do I need insurance even if I am an Independent Contractor?
- How to Become an Approved Contractor for Insurance Company Jobs
Surety Bonds
Please find below construction surety bonds that we offer.
- Bid bond
- Performance bond
- Labour and materials bond
- Payment bond
- Site improvement bond
- Surety’s consent to agreement
- Subdivision bond