Property & Rentals

Apartment Building Insurance in Ontario

Many doors, one properly built program.

Multi-unit residential is property insurance at building scale: replacement cost across the structure, liability for common areas, rental income across every unit, and systems — boilers, elevators — whose failure affects all tenants at once.

We insure apartment buildings and multiplexes with programs sized to true replacement cost, not tax assessment.

What the package includes

Commercial property coverage for your premises and leasehold improvements
Commercial general liability (CGL) for third-party injury and property damage
Rental income coverage across all units
Equipment breakdown for essential machinery and systems
Building bylaws / code upgrade coverage
Commercial crime coverage for theft and employee dishonesty

Good to know

Frequently asked questions

How is the building's insured value set?: By replacement cost — what rebuilding costs today, not market or assessed value. Underinsurance triggers co-insurance penalties at claim time; we run valuations so the limit holds up when tested.
How much does apartment building insurance cost in Ontario?: Premiums depend on your revenue, team size, services, and claims history — many small operations pay a few hundred dollars a year for core liability coverage. As an independent brokerage we compare our full panel of insurers for the exact mix of coverage your business needs, so you only pay for protection that fits.
How do I get apartment building insurance quotes?: Request a quote online in about two minutes, or call us. Tell us what your business does and we'll shop the market — you'll get one advisor, the best available rate, and a certificate of insurance as soon as you're bound.

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What the package includes

Commercial property coverage for your premises and leasehold improvements

Commercial general liability (CGL) for third-party injury and property damage

Rental income coverage across all units

Equipment breakdown for essential machinery and systems

Building bylaws / code upgrade coverage

Commercial crime coverage for theft and employee dishonesty

Frequently asked questions

How is the building's insured value set?

By replacement cost — what rebuilding costs today, not market or assessed value. Underinsurance triggers co-insurance penalties at claim time; we run valuations so the limit holds up when tested.

How much does apartment building insurance cost in Ontario?

Premiums depend on your revenue, team size, services, and claims history — many small operations pay a few hundred dollars a year for core liability coverage. As an independent brokerage we compare our full panel of insurers for the exact mix of coverage your business needs, so you only pay for protection that fits.

How do I get apartment building insurance quotes?

Request a quote online in about two minutes, or call us. Tell us what your business does and we'll shop the market — you'll get one advisor, the best available rate, and a certificate of insurance as soon as you're bound.