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Toronto Small Business Liability Insurance Coverage

The largest city in Canada and the capital of Ontario, Toronto is consistently ranked one of the best cities to live in the world. Canada’s business and financial capital, Toronto is also a very multicultural city and it is represented in the diverse businesses that flourish throughout the city.

Bullfrog Insurance is here to help small businesses in Toronto, like yours, find the right insurance protection its needs while staying within budget. We understand that as a business owner, you cannot afford setbacks due to unforeseen events or issues. Bullfrog offers you the ability to purchase, pay, and receive your Toronto liability insurance quotes and policies in real-time so you can get on with your business and what really matters.

How much does small business insurance in Toronto cost?

Short answer: it depends. It boils down to the kind of protection you need since no one business is the same and neither should every business insurance policy be. If you want the best bang for your buck when it comes to small business insurance in Toronto but aren’t sure about the cost, don’t be. Bullfrog can find you a number of different insurance quotes dependant on your answers in our online questionnaire. You can sift through your options based on cost!

What determines small business insurance rates in Toronto?

The amount of money that you pay for small business insurance in Toronto depends on a number of variables, such as:

  • Your average annual revenue
  • What your business generally does/your industry
  • Your insurance history
  • Where your business is situated – physical or online
  • Your employees
  • The product you sell/advice you give/service you provide
  • How long you have been operating for

Who needs small business insurance in Toronto?

Small business insurance in Toronto is an absolute must for any business owner looking to sustain themselves for the long run. Much of Ontario’s businesses, up to 90%, is comprised of solely small businesses – all of which will need insurance to lessen their risk of bankruptcy as a result of unprecedented events and expenses.

All businesses require insurance. It doesn’t matter if you’re a multi-million dollar firm or a start-up retailer.

What can small business insurance in Toronto do to support my livelihood?

Small business insurance in Toronto keeps businesses’ doors open. Our small businesses are essential to the economy of Toronto and small business insurance can prevent closure as a result of potentially devastating financial losses, like unforeseen perils, natural disasters, liability claims alleging property damage, bodily injury or error, and more. Without small business insurance, Toronto business owners may find themselves floundering without the necessary protection to make up the difference in repairs, replacements and legal costs.

What does small business insurance in Toronto Cover?

There are a couple different types of small business insurance in Ontario that may be of benefit to both you and your livelihood. The type of coverage you require depends on the nature of your business in addition to the exposures you face. Coverage types may include:

  • Professional Liability Insurance for covering a professional business (a business that offers professional service or advice) for expenses due to claims that allege failure to offer a promised service, negligence causing loss, or misinformation.
  • Directors’ and Officers’ Liability Insurance for coverage for board members that are facing lawsuit expenses.
  • Commercial General Liability Insurance or General Liability Insurance for small business in Toronto, which is the most common form of coverage, that may protect you for expenses due to claims that allege you or your business caused property damage or third-party bodily injury.

What are the price ranges for small business insurance in Toronto?

The cost of insurance for small business in Toronto varies based on a number of different factors. Most small business owners will pay between $388.80 and $1777.68 in Toronto annually for their coverage with at least $2million liability. This is only an average cost so you may be paying more or less based on personal circumstances

  • This averages out to about $90.27 for small business insurance rates in Toronto monthly.
  • With $5million general liability, small businesses in Toronto may pay $176.49 monthly for their coverage.

Where do I get small business liability insurance in Toronto?

Purchasing a small business liability insurance policy in Ontario is easy when you work with Bullfrog, just as it should be.

For insurance that works, answer the questions in our quick online questionnaire and we will provide you with instant multiple online insurance quotes based on your requirements. All of our coverage options are standardized between insurance companies so you only need to compare quotes by price.

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Is general liability insurance for small business in Toronto enough to protect me?

This kind of coverage may offer protection for your business if you are held liable for property damage to clients, third party, or participants for negligence. Based on the type of business that you run or the industry in which you operate you might be required to carry other kinds of insurance to have full protection. Toronto business owners should acquire professional liability, property coverage, or other kinds of coverage to suit their particular business for full protection.

If you aren’t sure about what you need you can contact a Bullfrog representative. Reach out today to have a more personal touch when it comes to your insurance.

Bullfrog Insurance can get you the best small business insurance in Toronto. All that you need to do is answer a couple questions with our online questionnaire and get started on your coverage today.

An Important Update About Bullfrog Insurance 

Please be aware that due to a change in our operations, Bullfrog Insurance has made the difficult decision to start winding down our business. This means we are no longer accepting new clients. 

Are you an existing Bullfrog Insurance client? Rest assured that your coverage remains valid, and you’ll continue to be protected up until your policy expiry date. Watch your inbox for more details from our team.