Ontario Business Insurance

Business and Commercial Insurance that Protects What You’ve Built

Get a Quote
The Good Knight

Business leaders need partners who think Two-Steps ahead

Your business faces risks every day—but the right coverage keeps you protected and moving forward. At Excalibur Insurance, we provide customized business insurance solutions built around your operations, industry, and goals.

Our experienced brokers take the time to understand your business, identify potential risks, and design coverage that fits—whether you need liability, property, cyber, auto, or business interruption protection.

More than just policies, we deliver proactive advice and ongoing support to help you avoid gaps and stay properly protected. With competitive options and a straightforward process, we make it easy to get the coverage you need—so you can focus on growing your business with confidence.

Insurance by Coverage

  • 18 flat businessinterruption

    Business Interruption Coverage

  • 18 flat godsintransit

    Goods-in-Transit Insurance

  • 18 flat commercialauto

    Commercial Auto Coverage

  • 18 flat crimeinsurance

    Crime Insurance

  • 18 flat fleetinsurance

    Fleet Insurance

  • 18 flat generalliability

    General Liability Coverage

  • 18 flat commercialpropertycoverage

    Commercial Property Coverage

  • 18 flat suretybonds

    Surety Bonds

  • 18 flat commercialumbrellaliability

    Commercial Umbrella Liability

  • 18 flat cyberinsurance

    Cyber Insurance

  • 18 flat directorsofficers

    Directors and Officers Coverage

  • 18 flat equipmentbreeakdown

    Equipment Breakdown Insurance

  • 18 flat pollutionliability

    Pollution Liability Coverage

  • 18 flat productliability

    Product Liability Coverage

  • 18 flat small mediumbusiness

    Small to Medium Business Insurance

Business Insurance by Industry

  • 18 flat campgroundowner

    Campground Owners

  • 18 flat garagerepairshop

    Car Mechanic Insurance

  • 18 flat contractor

    Contractors Insurance

  • 18 flat foodbeverage

    Food and Beverage

  • 18 flat landlord

    Landlords Insurance

  • 18 flat medicalservices

    Medical Service Providers

  • 18 flat realestatedeveloper

    Real Estate Developers

  • 18 flat wholesaler

    Wholesale Distributors

  • 18 flat manufacturing

    Manufacturing Companies

  • 18 flat professionalservices

    Professional Services

  • 18 flat lawyerslawfirm

    Lawyers & Law Firms

  • 18 flat retailenterprise

    Retail Store Insurance

Our Business Defender Program will save you on the front end – or the back end.

We came to the conclusion years ago that blind-spots are a lot more costly than flippantly shaving a few dollars off the bottom line. For business owners paying premiums less than, or more than 10k per year – our ‘business defender mindset’ has your back from the moment we meet. The only difference is the depth of the dive.

We Make Your Business
More Appealing to Insurers.

green person with lightning bolts

1. We review common insurer pain points.

magnifying glass warning icon

2. We leverage our risk prevention expertise.

checklist icon

3. We strategically package your submission for a quote.

You Evaluate Your Options

Your risk exposure as a business, your comfort level and the cost of various coverage options are essentially the three variables that need to be properly balanced. Once you’ve got all the relevant information and facts – you simply need to decide which path is best for you. Something you’ve likely been doing as a business for years.

Learn more over at our Blog!

are board members covered by personal umbrella insurance

Are Board Members Covered by Personal Umbrella Insurance?

18 018 24 electicianinsurance

Watt’s at Stake for Electricians: Electrician Insurance

florist insurance

Florist Business Insurance & Risk Strategy for Flower Shops

home builders insurance for home contractors

Home Builders Insurance for Home Contractors

do i need insurance if i'm self employed

Do I Need Insurance If I’m Self-Employed?

reducing risks as a personal trainer

Reducing Risks as a Personal Trainer

errors & omissions insurance

Errors & Omissions Insurance

19 cybersecurity & the role of small businesses

Cybersecurity & The Role of Small Businesses

what is builder’s risk insurance & why it’s important

What Is “Builder’s Risk Insurance” and Why Is It Important?

how to properly insure your short term rentals

How to Properly Insure Your Short-Term Rentals

Commercial Insurance FAQs & Facts

Business insurance can be confusing, and there are many moving parts. The type of insurance and the amount largely depends on the nature of the work you do, where you are located, what you offer, your staff, revenue, and many other factors.

For your convenience, here are some of the most frequently asked questions and facts about business insurance in Ontario.

  • If your businesses sells a product or operates as a manufacturer, product liability insurance can come in clutch if your business finds itself facing a lawsuit due to the malfunction or breakage of a product it produces. Lawsuits can be hugely expense – which is why many businesses need liability insurance designed to the nature of what they do to spring back from a loss.

    Professional businesses may require professional liability insurance, and delivery services may benefit from commercial vehicle or fleet insurance. It all depends on the work you do! Ask your friendly local business insurance brokers about the specifics for your business.

  • Business interruption can be integral for many businesses that run out of a physical location and is especially helpful for retail businesses, manufacturers, etc. This insurance compensates businesses for ongoing wages following an insured event that disallows normal course of businesses, such as loss of income, employee wages, bills, rent, and more.

  • If your business operates out of a physical location, property insurance can cover your physical business structure as well as any commercial equipment, contents, inventory, appliances, and more from natural disasters, falling objects, theft, and vandalism. Depending on your provider and your location it may not cover certain events such as earthquakes or floods.

  • “Business liability insurance” is a broad term that is used to encapsulate more defined policies which offer financial protection for business owners and corporations against any legal expenses that may come of third-party liability claims. Due to the costly nature of these claims, many businesses cannot afford to spring back from any subsequent losses.

    Business liability insurance may include your general CGL or Commercial General Liability Insurance, which covers expenses pertaining to claims that may come of alleged third-party bodily injury or property damage (slips and falls, as an example.)

    It also may refer to professional liability insurance, which is specific to businesses that offer professional services. It insures against claims of alleged negligence or errors/failure to perform a promised task.

  • Commercial insurance can mean a lot of things, especially as no one business is the same as another. Commercial business insurance is known for a number of basic items, but it can be expanded or altered entirely to cover the specifics of a certain commercial operation.

    Are you wondering, “Do I need business insurance in Ontario?” and you are the owner of a business – small, large, or just starting up – the answer is: yes. While insurance for business owners is not always necessary, it can be depending on the industry that you operate within, and even if not it is highly recommended to protect yourself, your business, employees, physical location, and more.

    Commercial insurance for your business may include –

  • It depends. Business insurance is designed to cover different businesses and can come with different options to secure you, your employees, and your assets. It will need to take into account the kind of work you do or the product that you offer, how long you have been in business, your physical location (if any) and your employees.

  • With any business, although especially start-ups and small businesses that may not have large budgets to begin with, keeping costs low can be a priority. Many insurance companies will advertise the “lowest possible rates” for business insurance, but that can’t always be a good thing. Yes, saving money is good, but insurance is not a place where you want to cut corners. This can come back to bite you later.

    Cheap business insurance can mean you will have less coverage, less security, less support from your brokers, and rates can always rise in the future. This is only the bottom line – after a year or so, your rates may start to go up if there is increased risk and high usage.

  • Small businesses in Ontario may pay between the ranges of $500-$1,000 but costs will vary immensely depending on the nature of the work you do, your risk exposure, physical location, years of experience, insurance history, revenue, and more. This is typically with a basic CGL policy of a $2,000,000 limit.