Business Types & Segments

Side Hustle Insurance in Ontario

Part-time business, full-time liability.

A side hustle is legally a business from its first dollar — and neither your employer's coverage nor your home policy extends to it. Liability doesn't check how many hours a week you work.

We insure side businesses with starter policies priced for part-time revenue, upgradeable the day you go full-time.

What the package includes

Commercial general liability (CGL) for third-party injury and property damage
Professional liability (E&O) for claims arising from your advice or service
Product liability for goods you make, sell, or distribute
Cyber and privacy breach coverage for client data and payments

Good to know

Frequently asked questions

Does my home insurance cover my side business at all?: Almost none of it — business liability, stock, and equipment are excluded, and undisclosed business activity can complicate the home policy itself. Small-business starter packages exist precisely for this and cost accordingly.
How much does side hustle 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 side hustle 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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Frequently asked questions

Does my home insurance cover my side business at all?

Almost none of it — business liability, stock, and equipment are excluded, and undisclosed business activity can complicate the home policy itself. Small-business starter packages exist precisely for this and cost accordingly.

How much does side hustle 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 side hustle 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.