Business Types & Segments

Franchise Insurance in Ontario

The FDD sets the minimums. We build the coverage.

Franchise agreements dictate insurance to the line item: coverages, limits, and the franchisor named as additional insured — non-compliance is a default under the agreement, not just a coverage gap.

We insure franchisees with programs mapped to the franchise agreement's schedule, across food, service, and retail systems.

What the package includes

Commercial general liability (CGL) for third-party injury and property damage
Commercial property coverage for your premises and leasehold improvements
Business interruption to replace lost income after a covered loss
Coverage schedule matched to your franchise agreement
Commercial crime coverage for theft and employee dishonesty
Cyber and privacy breach coverage for client data and payments

Good to know

Frequently asked questions

My franchisor's requirements seem high — do I have to match them?: Yes — the agreement's insurance schedule is contractual, and the franchisor audits certificates. The requirements are usually sensible for the business anyway; we implement them at the best market rate.
How much does franchise 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 franchise 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.

More industries

Packages for other industries

Automotive Business & Professional Services Construction & Contractors Education & Organizations Hospitality & Lodging Manufacturing & Wholesaling Realty Retail Warehousing Transportation & Logistics

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What the package includes

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

Commercial property coverage for your premises and leasehold improvements

Business interruption to replace lost income after a covered loss

Coverage schedule matched to your franchise agreement

Commercial crime coverage for theft and employee dishonesty

Cyber and privacy breach coverage for client data and payments

Frequently asked questions

My franchisor's requirements seem high — do I have to match them?

Yes — the agreement's insurance schedule is contractual, and the franchisor audits certificates. The requirements are usually sensible for the business anyway; we implement them at the best market rate.

How much does franchise 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 franchise 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.