Business Types & Segments

Sole Proprietorship Insurance in Ontario

No corporate shield means insurance is the shield.

As a sole proprietor there is no line between business and personal assets — a business claim reaches your house, savings, and future income directly. Insurance is the liability shield incorporation would otherwise partly provide.

We insure sole proprietors across trades and services, sized to the risk, priced to the structure.

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
Tools and equipment coverage, on site and in transit
Cyber and privacy breach coverage for client data and payments

Good to know

Frequently asked questions

Should I incorporate instead of buying insurance?: They solve different problems: incorporation separates assets but doesn't pay claims or fund defence — and corporate veils get pierced. Insurance responds with money when claims arrive. Most businesses eventually want both; insurance matters from day one.
How much does sole proprietorship 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 sole proprietorship 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

Should I incorporate instead of buying insurance?

They solve different problems: incorporation separates assets but doesn't pay claims or fund defence — and corporate veils get pierced. Insurance responds with money when claims arrive. Most businesses eventually want both; insurance matters from day one.

How much does sole proprietorship 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 sole proprietorship 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.