What does your business have?

• Commercial general liability

  For claims when someone is hurt or their property is damaged because of your business. Most leases and client contracts ask for it, so it's usually the first policy a business needs.

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• Commercial property

  Your building, equipment, stock and contents. The amounts are worth checking every year, because rebuilding often costs more than people expect.

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• Cyber insurance

  For data breaches, ransomware, email fraud and system outages. It can help with the cost of recovering, notifying customers and lost income. It's an area I focus on.

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• Builder's risk

  For a building while it's going up or being renovated: the work done so far, materials on site and the project itself, until it's finished.

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• Manufacturing & distribution

  For manufacturers, distributors, food processors and machine shops. Property, liability, equipment breakdown and lost income if you have to stop working, sized to how your business actually runs.

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• Commercial auto & fleet

  A personal auto policy isn't built for business use. Insurance for company vehicles, from one work truck to a full fleet, based on your vehicles, your drivers and how far they go.

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• Group benefits

  Health, dental and other benefits for your employees, set up through my StoneRidge benefits team alongside your business insurance.

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• Property owners & landlords

  Buildings you own anywhere in Ontario, residential or commercial, whether you rent them out or use them yourself. The building, your liability as the owner, and lost rent if the place can't be used. One unit or a whole portfolio.

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• Professional liability (E&O)

  For businesses paid for their advice or expertise, like consultants and accountants. It responds when a client says your work or advice cost them money.

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• Directors & officers (D&O)

  Protects the people who run a company when they're sued personally for decisions made on its behalf. Important once there's a board, outside investors or volunteer directors.

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• Environmental & pollution liability

  Most general liability policies leave pollution out. This fills that gap for contractors working in the ground, businesses that store fuel or chemicals, and work on other people's sites.

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• Personal home & auto

  Home and car insurance for you and your family. My StoneRidge team handles this, the same way they handle group benefits.

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• Surety & contract bonds

  Bid, performance and payment bonds, plus the licence and permit bonds cities and regulators ask for. Best set up early, before the job you need them for goes to tender.

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• Something not listed?

  If it needs insuring, ask. My StoneRidge team and I will find the right fit, or tell you plainly who can.

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These descriptions are general. What a policy actually covers depends on its wording, and every business is assessed on its own details.

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  Group benefits

  Health, dental and other benefits for your employees.

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  Personal home & auto

  Personal insurance for you and your family.

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• Anything else

  If it needs insuring, ask. We'll get it to the right person.

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• On your side

  I'm not tied to a single insurer. I look at what several offer and tell you which fits your business, and why.

• Built around your business

  Your coverage is set by what your business needs protected, with your leases and contracts as the minimum, not by whatever last year's policy said.

• A dedicated service plan

  One direct contact for the year, help whenever the business changes, and a full review before each renewal, shopped again when that makes sense.