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We help small businesses see the big picture.

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.

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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.

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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.

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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.

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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.

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The importance of small business insurance for Canadian organizations.

Is your Canadian-based small business covered with adequate insurance? Can your business withstand disruptions caused by floods, fires, and other potential hazards? Are you protected if you give professional advice that causes damage to another business? These are just a few examples of the risks that small business owners in Canada need to be aware of.

As outlined in the section above, small business insurance isn’t just one type of coverage. Small business insurance is any type of business insurance that you may require for your specific business. This can include many commercial coverages, such as CGL or E&O insurance. In fact, protecting your business operations effectively often requires a combination of multiple insurance solutions—regardless of the size or nature of your company.

For example, commercial general liability protects business owners against losses that could occur in your daily operations, including third party bodily injury or property damage. Meanwhile, professional liability insurance protects you from lawsuits (fees, settlement costs, etc.) if you give professional advice or services to clients. Both are required to safeguard your company from different exposures.

As a business owner, you may also need coverage for:

  • Rental property
  • Proof of insurance: potential or current clients may ask for proof of insurance before they do business with you.
  • Event hosting
  • Loans: you may need to provide proof of insurance coverage to get a business loan.

With Acera Insurance, business owners have many options to choose from. Our small business insurance experts get to know your business to help provide tailored recommendations. The type of insurance you need depends on many factors such as industry, revenue, and size. Our broker utilize their industry knowledge to help you find the right insurance solution for your needs.

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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Small Business Insurance in Canada: FAQs

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