Small Business Insurance
We help small businesses see the big picture.
Small businesses can vary in terms of their size, number of employees and revenue. That’s why a one-size-fits-all approach to insurance simply doesn’t work. Our knowledgeable small business specialists will work with you to create customized coverage and risk management solutions that addresses your business’ specific needs.
Flexible and affordable small business insurance.
Small business insurance is a critical investment in your business’ longevity. At Acera Insurance, we’re 100% independent with access to more than 100 insurers. That means we’re working for you to find competitive small business insurance quotes that offer you a choice in coverage and support your long-term success.
Who we help
Cooperatives
Corporations
Non-profits
Partnerships (general and limited)
Sole proprietors
Our diverse experience.
As one of Canada’s leading independent insurance brokerages, we help small businesses of all shapes and sizes find the coverage they need to thrive. We have local expertise and highly specialized industry knowledge in these and other areas:
Automotive Services
Health Care
Hospitality
Manufacturing, Distribution & Wholesale
Non-profit
Oil & Gas
Professional Services
Realty
Retail
Recreation
Technology
Transportation
Small business expertise by association.
With active memberships in countless small business associations, chambers and industry networks throughout Canada, we stay informed on the latest topics and trends that impact small businesses like yours.
The essential coverage small businesses need.
Our small business insurance brokers can help you determine your needs and work within your budget to find insurance that works for you.
Business Property
This protects your business’ physical property, which could include the building you operate from, equipment, inventory and other business-related property. If your business’ property is damaged or destroyed by fire, hail, theft, vandalism and more, this coverage can help you recover.
Commercial General Liability
Regardless of your industry, your small business needs commercial general liability. If a third-party is injured while on your premises or has their property damaged due to your operations, they can hold your business liable. This coverage may help cover legal expenses and medical costs related to such an event.
Professional Liability
This coverage is essential for businesses that provide professional advice or services. It helps protect you if a client claims they suffered financial loss as a result of your advice or services by potentially helping to cover expenses associated with the lawsuit including defence costs, settlements and awards.
Product Liability
If you sell or manufacture products and someone is injured or has their property damaged by your product, this liability insurance can help protect your business.
Cyber Liability
Small businesses are often at a higher risk of a data breach or cyberattack because they rarely have the sophisticated software or security practices of larger companies. This coverage can help your business recover after a data breach or cyberattack and provide risk management tools to protect your business.
Business Interruption
This coverage is an essential component of a property insurance policy and helps cover financial losses resulting from physical damage, such as lost income and additional expenses. During the process of recovering from a loss, business interruption coverage can cover the reduction in your profits and extra expenses incurred to keep your business running.
Speak to a specialist.
Get in touch with a dedicated advisor on our small business insurance team and we’ll get to work building the perfect coverage program for you.
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