Find Your Best Commercial Insurance Company In Ontario
There are multiple commercial insurance companies operating in Ontario today, providing a wide array of options for businesses seeking coverage. However, having so many insurers to choose from can quickly lead to confusion, making it difficult to determine which insurer is the best fit for your needs.
To simplify the process of finding commercial insurance, we’ve compiled a list of some of Ontario’s top commercial insurance providers in 2026. Whether you’re looking for general liability coverage or more specialized policies, this guide will help you navigate your best available choices for business insurance in Ontario.
| Business Insurance Provider | Average Online Rating | Key Features |
|---|---|---|
| Zensurance | 4.8/5 | Instant quotes from multiple providers, affordable rates starting at $19/month, savings up to 35% |
| Northbridge Insurance | 3.6/5 | Comprehensive coverage options, industry-specific solutions, top-notch customer support |
| Billyard Insurance Group (BIG) | 4.7/5 | Personalized service from knowledgeable brokers, quick online quotes, award-winning independent brokerage |
| Intact | 3.6/5 | Extensive range of policies, easy online claims submission and tracking, custom solutions |
| Allstate | 1.8/5 | Wide range of business insurance products, strong customer service reputation, online quote comparison tool |
| ALIGNED Insurance | 4.9/5 | Access to 70+ insurers for competitive and flexible coverage, dedicated broker support with no call-centre handoffs |
| McDougall Insurance & Financial | 4.8/5 | Trusted Ontario brokerage with decades of experience, strong support for small businesses needing quick documentation |
| TD Insurance | 1.6/5 | Flexible coverage options, discounts for bundling policies, easy online application process |
| Westland | 4.9/5 | Tailored coverage solutions, access to national and international markets, corporate advisory services |
| Desjardins | 2.2/5 | Comprehensive property and liability coverage, personalized service from local agents, optional coverages like cyber risks |
| Co-operators | 3.0/5 | 50+ coverage options, focus on sustainability and community support, dedicated risk management |
Which Business Insurance Company Should You Choose in Ontario?
In the diverse landscape of business insurance in Ontario, several companies stand out in their respective categories, catering to the unique needs of business owners. Please note that these recommendations are based solely on our research, and it’s always advisable to conduct further research or consult with an insurance broker.
Zensurance
4.8 Star Rating on Google, as of December 2025
Key Features:
- Instant quotes from multiple providers
- Affordable rates starting at $19/month
Zensurance is an innovative platform that simplifies the process of obtaining commercial insurance. They provide instant quotes from multiple providers, allowing business owners to compare rates quickly. Their affordable rates allow businesses to save up to 35% on their coverage, making them a popular choice among small business owners in Ontario.
Northbridge Insurance
3.6 Star Rating on Google, as of December 2025
Key Features:
- Comprehensive coverage options
- Industry-specific solutions
- Top-notch customer support
Northbridge Insurance is a well-established provider known for its extensive range of commercial insurance products. They offer industry-specific solutions that cater to various sectors such as consulting and wholesale, ensuring that businesses receive the coverage they need.
Apart from its customizable insurance plans, Northbridge is known for providing smoother customer service with features such as legal support, 24/7 claims service, multiple payment options, and risk management support.
Billyard Insurance Group (BIG)
4.7 Star Rating on Google, as of December 2025
Key Features:
- Personalized service from knowledgeable brokers
- Quick online quotes available
Award-winning independent brokerage Billyard Insurance Group (BIG) offers a range of commercial insurance products, including general liability, property insurance, and specialized coverage options. Their brokers work closely with clients to understand their unique business requirements. They also provide a user-friendly online platform where business owners can get quotes in under three minutes.
Intact:
3.6 Star Rating on Google, as of December 2025
Key Features:
- Extensive range of policies
- Easy online claims submission and tracking
- Custom solutions to fit your business and budget
Headquartered in Toronto and known as one of Canada’s largest insurers, Intact Insurance offers a wide variety of commercial insurance policies. They offer full lines of commercial insurance and products that are not as widely offered, such as fleet insurance and surety bonds for businesses.
Apart from having a dedicated 24/7 claims team, Intact makes it easier for policyholders to submit and track claims through their dedicated Intact Insurance App and Client Centre.
Allstate
1.8 Star Rating on Google, as of December 2025
Key Features:
- Wide range of business insurance products
- Strong customer service reputation
Allstate provides a broad spectrum of commercial insurance products, such as data breach coverage and professional liability insurance. Their strong reputation for customer service is built on their above-average claims satisfaction record, ensuring that clients receive prompt assistance when needed. Allstate also offers an online quote comparison tool, making it easy for business owners to evaluate their options.
ALIGNED Insurance
4.9 Star Rating on Google, as of December 2025
Key Features:
- Access to 70+ insurers for competitive and flexible coverage
- Dedicated broker support with no call-centre handoffs
ALIGNED Insurance is a commercial-only insurance brokerage with a strong presence in Ontario, including offices in Toronto and Cambridge. The firm focuses exclusively on business insurance, offering tailored coverage for companies with unique or complex risk profiles. As an independent broker, ALIGNED provides clients with unbiased advice and access to more than 70 insurance carriers, allowing businesses to secure competitive pricing without being tied to a single insurer.
McDougall Insurance & Financial
4.8 Star Rating on Google, as of December 2025
Key Features:
- Trusted Ontario brokerage with decades of experience
- Strong support for small businesses needing quick documentation
McDougall Insurance Brokers is a long-established Ontario-based brokerage with over 75 years of experience serving businesses across the province. Known for its strong local service model, McDougall provides comprehensive commercial insurance solutions with access to a wide network of insurers. This allows small and mid-sized businesses to secure tailored coverage at competitive rates.
TD Insurance
1.6 Star Rating on Google, as of December 2025
Key Features:
- Flexible coverage options
- Discounts for bundling policies
- Easy online application process
TD Insurance offers comprehensive commercial insurance solutions with flexible coverage options. They provide discounts for bundling multiple policies, making it easier for businesses to save on their insurance costs. Their easy online application process allows business owners to get quotes quickly.
Westland
4.9 Star Rating on Google, as of December 2025
Key Features:
- Tailored coverage solutions
- Access to national and international markets
Westland Insurance focuses on providing tailored coverage solutions for businesses across Ontario. This insurer provides access to national and international markets and has a unique offering: corporate advisory and specialty business consultants who help businesses identify their risk appetite and create mitigation plans.
Desjardins
2.2 Star Rating on Google, as of December 2025
Key Features:
- Comprehensive property and liability coverage
- Personalized service from local agents
Desjardins is a cooperative insurer that emphasizes community involvement and personalized service. Their local agents are dedicated to providing assistance and advice throughout the insurance process. While Desjardins already offers a wide range of commercial insurance products such as comprehensive property and liability coverage, they also offer less common optional coverages such as roof water and cyber risks coverage.
Co-operators
3.0 Star Rating on Google, as of December 2025
Key Features:
- 50+ coverage options
- Focus on sustainability and community support
- Dedicated risk management
Co-operators is committed to providing a vast range of commercial insurance solutions such as equipment breakdown insurance and crime coverage, all while emphasizing sustainability and community support. Their local agents work closely with Ontarian business owners to understand their unique needs and provide tailored coverage options.
How Do You Buy Commercial Insurance in Ontario?
You can buy commercial insurance in Ontario by reaching out to insurance providers. There are four different types you can choose from, and these are:
How Do You Make a Commercial Insurance Claim in Ontario?
To make a commercial insurance claim in Ontario, you’ll need to contact your business insurer as soon as a covered risk causes damage or loss. Here’s how to jumpstart the claim process:
Methodology for Selecting Top Commercial Insurance Companies in Ontario
Choosing the best commercial insurance companies requires a methodology considering several factors that significantly affect customer satisfaction, such as customer service and coverage options. These are the factors we took into consideration to provide a reliable guide to the best commercial insurance in Ontario: