Ontario Professional Office Insurance

Specialized insurance coverages for Ontario commercial offices

Ontario’s professional offices are as varied as the services they provide – from law firms and accounting practices to consulting agencies, medical clinics, and real estate brokerages. Each faces daily challenges, from client safety to data security, that can expose businesses to significant financial risk.

Office insurance helps protect your livelihood by covering common risks such as property damage, business interruption, liability claims, and cyber threats. Whether you operate a small practice, a growing consultancy, or a large professional firm, the right coverage ensures you can focus on serving your clients – not worrying about unexpected setbacks.

Your office insurance should include the following:

• Property Coverage – Can be broken down into more specific coverages however in general will insure property and contents that you own. Examples can be tools, equipment, leased/rented equipment, etc.
• Business Interruption – Protects your business from financial instability by covering lost income in the event of a covered loss.
• Commercial General Liability (CGL Insurance) – Protects you against third party claims of property damage or bodily injury that may occur at a job site or your own location
• Products & Completed Operations Liability – Protects you against third party claims of property damage or bodily injury that may occur after you have already completed your project or service.
• Professional Liability (E&O Insurance) – Protects you against third party claims of professional negligence that may occur as a result of your professional services.
• Cyber Liability – Provides protection if a third party sues your business due to a data breach, privacy violation, or failure to protect sensitive client information.

Every office insurance provider in Ontario may offer slightly different or additional coverage. The protection you need will depend on the type of office you operate. For example, a Toronto law firm may require enhanced professional liability coverage, while a healthcare clinic in Ottawa might need specialized cyber liability protection to safeguard patient data.

Your Acera office insurance broker will work with you to determine the coverage that best fits your business. We’ll walk you through your policy so you fully understand what is – and isn’t – included. Plus, if you ever need to make a claim, we’ll act as your advocate to ensure you get the support and settlement your business deserves.

Why choose Acera Insurance for your Ontario office?

Why is office insurance better with Acera Insurance? For more than 60 years, we’ve been trusted brokers for Canadian businesses of all sizes and industries.

Our brokers specialize in commercial office insurance, bringing deep knowledge and experience to every client. Because Acera is independent and employee-owned, you can trust that we always put your business first. With access to more than 100 insurance providers across Canada, we can deliver competitive office insurance quotes and offer you real choice in your coverage.

Here are just a few ways our team supports Ontario offices:

• Identify your coverage needs for your specific profession or practice.
• Provide competitive quotes from multiple insurance companies.
• Act as your trusted advisor with ongoing risk management support.
• Advocate for you in the event of a claim.

Together, we can help protect your Ontario office, whether you operate in Toronto, Ottawa, or anywhere in the province. You can request an office insurance quote online, by phone, or by visiting one of our local offices in person.