Ontario Commercial Property Insurance

Your guide to commercial property insurance in Ontario

Every business relies on its physical assets – from buildings and equipment to stock and furnishings. Without the right protection, a fire, theft, or other insured event could put your operations at serious financial risk. At Acera Insurance, our advisors bring decades of expertise in helping Ontario businesses safeguard their property. We design commercial property insurance policies that protect your investment so you can focus on running your company with confidence. Learn more about what is and isn’t included below.

What does Ontario commercial property insurance include?

Commercial property insurance helps protect the assets your business owns against insured losses such as fire, theft, vandalism, or certain weather events. Coverage can vary by insurer, but common inclusions are:

• Building – Protection for the physical structure your business owns. Coverage limits are typically based on an estimated building replacement cost value.
• Equipment – Includes office furniture, fixtures, appliances, and permanent machinery. Limits are usually based on the cost to replace equipment with new items.
• Stock – Protection for goods and inventory carried by the business. Coverage is generally provided at actual cash value (replacement cost minus depreciation).

Commercial property insurance in Ontario can be tailored to your business needs, ensuring your facilities and contents are fully protected.

What is not covered by commercial property insurance in Ontario?

While commercial property insurance offers broad protection, it doesn’t cover everything. It’s important to understand exclusions so you can arrange additional policies where needed:

• Third-party liability – Injuries or property damage to others are not covered; you’ll need commercial general liability (CGL) insurance for this.
• Intentional or criminal acts – Fraud, employee dishonesty, or deliberate damage are excluded.
• Loss or damage to automobiles – Cars, trucks, or other vehicles owned by the business are not covered; these require commercial auto insurance.
• Auto liability – Any liability related to operating vehicles must be insured under a commercial auto policy.

Our Acera Insurance brokers can help identify gaps and recommend complementary coverages, such as CGL, commercial auto, or crime insurance, so your Ontario business has complete protection.

Why partner with Acera Insurance for Ontario commercial property coverage?

Protecting your business property shouldn’t add to your daily stress. At Acera Insurance, we make the process straightforward, so you can concentrate on running your business with confidence.

Here are a few reasons why Ontario businesses trust Acera for their commercial property insurance:

• Experienced Guidance
  Our advisors bring decades of experience supporting Ontario businesses of all sizes. We’ll help you understand your risks, explain your options in plain language, and recommend coverage that makes sense for your property and operations.
• Ontario-Focused Expertise
  From downtown Toronto offices to warehouses in Hamilton and hospitality businesses in Ottawa, we understand the unique risks Ontario businesses face. Our local knowledge means your coverage is practical and relevant.
• Broad Market Access
  As one of Canada’s largest independent brokerages, we’re not tied to one insurer. With access to more than 100 leading markets, we shop on your behalf to secure competitive rates and flexible policies tailored to your business.