BUSINESS INSURANCE

Business Insurance Made for You



The more information and knowledge you have about your business's insurance, the better! That is why you have come to Stewart Morrison Insurance. 
As a business owner, you take calculated risks every day in order to keep your business thriving. But what about the risks you haven't considered? Business insurance is an excellent way to allow you to concentrate on your business without being blindsided by unexpected liability.

Regardless of what line of business you work in, business insurance can protect you in a host of ways, including:

  • Costs associated with the loss of property
  • Risk of business interruption
  • Protection from lawsuits
  • Worker's Compensation


The costs associated with a business insurance policy are small compared with the large risks that you'll protect against. 
At Stewart Morrison Insurance, your dedicated Commercial Broker will work with you and our insuring partners to get the best coverage at the best price for your business' needs. 

Stewart Morrison Insurance is dedicated to providing you with the business insurance you require.


 

AGRIBUSINESS INSURANCE

Types:

  • Feed Supply
  • Farm Equipment & Machinery
  • Horticulture
  • Organic
  • Custom Farming

Our specialized packages include:
  • Replacement Cost/ Insurance to Value
  • Income Replacement/ Business Interruption
  • Comprehensive General Liability covers all operations
  • Umbrella Liability: a great way to increase limits
  • Cyber
  • Commercial Auto

AUTO GARAGE INSURANCE

We specialize in insuring garages, large or small. Your SMI Broker will review the necessary coverages that are specific to your garage operation, including dealer plates, driver lists, shuttle vehicles, temporary rentals, or pick up and delivery vehicles. Used car sales can be included. 

An SMI Commercial Broker will explain the available coverage  including Liability, Accident Benefits, and other optional coverages to protect you from:

  • Loss of Use
  • Fire
  • Theft
  • Windshield Damage
  • Collision

BREWERY / WINERY INSURANCE

Be apart of Stewart Morrison Insurance's True Brew insurance program that protects your business from the unique risks of brewery and wine operations, starting from the ground up. The comprehensive insurance package is specially designed to address your risks every step of the way.

Our custom coverage is as unique as your brew. Insurance coverages can include All Risk coverage with broad extensions for your:

  • Building
  • Contents
  • Stock
  • Equipment
  • Loff of Income
  • Brew House Process

Your wine business is very unique and so is the coverage you require. Insurance for business contents even if away from the premises, sales representatives, exhibitions and wine tasting events, transport, office premises processing, water leakage, and contamination, wine leakage and much more can be included. 

BUSINESS INSURANCE PACKAGES

As a business owner, you want to open your doors to your customers and grow your business with the peace of mind that you are protected. Customized packages for:

  • Retail Business
  • Offices
  • Clinics
  • Convenience Store
  • Salon and Barber Shop

CHILDREN & YOUTH SERVICES INSURANCE

Types:

  • Daycare/ Nursery
  • Private
  • Christian Schools
  • CHIMO
  • Tutoring
  • Colleges
  • Camps

Our specialized packages include:
  • Replacement cost/ insurance to value
  • Income replacement/ business interruption
  • Comprehensive General Liability covers all operations
  • Umbrella Liability: a great way to increase limits
  • Directors and Officers Liability
  • Errors and Omissions/ Professional Liability
  • Malpractice liability may be included for specialized services
  • Cyber
  • Abuse
  • Child Abduction
  • Board Members Accident
  • Risk Management
  • Commercial Auto and Buses

COMMERCIAL AUTO INSURANCE

Vehicles used in conjunction with your business have special ratings. Garage operations, Cargo, Fleets, or individual commercial use vehicles can qualify for many discounts. Your Stewart Morrison Insurance Commercial Broker will review your business needs and coverages annually,  provide certificates of insurance as needed and you have the option for electronic delivery of all documents including pink slips. 

Stewart Morrison Insurance Commercial Broker will explain the available coverage  including:

  • Liability
  • Accident Benefits
  • Other optional coverage to protect you from Loss of Use, Fire, Theft, Windshield Damage, and Collision for your vehicles

CONTRACTOR INSURANCE

When considering your business insurance needs, it is important to understand the types of coverages that are available. We provide customized policy options for:

  • Home Builders
  • Electricians
  • Plumbers
  • Landscapers
  • Carpenters
  • Excavation
  • Painter
  • Moving Companies
  • and More- insurance built for your business


Insurance coverage for your business may include:
  • Building(s)
  • Equipment and Tool Floaters
  • Business Liability
  • Installation Floater
  • Builders Risk
  • Business Vehicles
  • Loss of Income
  • Bonds
  • Contractors Errors and Omissions

FAIR & EVENT INSURANCE

Types:

  • Community Agricultural Fairs
  • Wedding
  • Festivals and Special Events
  • Rodeo
  • Concerts
  • Trade Shows
           
Our specialized packages include:
  • Comprehensive General Liability covers all operations
  • Liquor Liability
  • Directors and Officers Liability
  • Event Cancellation
  • Property Coverage
  • Income Replacement/ Business Interruption
  • Cyber
  • Abuse

HEALTH & FITNESS INSURANCE

Our specialized packages for:

  • Gym
  • Fitness Studio
  • Yoga Loft
  • Dance Studios

Insurance coverages for your business may include:
  • Building(s)
  • Contents/Stock and Equipment
  • Professional Liability
  • Participant Liability
  • Tenants Legal Liability
  • Commercial Liability
  • Non-Owned Auto
  • Abuse Liability
  • Malpractice Liability
  • Crime
  • Loss of Income/ Business Interruption

HOSPITALITY INSURANCE

We have specialized programs for your hospitality business, including:
  • Fine Dining 
  • Social Clubs
  • Diner / Bistro
  • Hotel & Resorts
  • Pubs & Bars

    Insurance coverage for your business may include (depending on your policy):
  • Building(s),
  • Contents/Stock and Equipment
  • Equipment Breakdown
  • Commercial Liability
  • Commercial Auto
  • Cyber Risk
  • Crime
  • Catering
  • Food Spoilage
  • Loss of Income
  • Liquor Liability

MANUFACTURERS INSURANCE

Types:

  • Food & Beverage
  • Steel& Metal Products
  • Machinery & Power Equipment
  • Furniture
  • Computers & Electronics
  • Tools & Die

Insuring your building and contents is important, our packages include:
  • Replacement Cost/ Insurance to Value
  • Income Replacement / Business Interruption
  • Transport
  • Work in Progress
  • Equipment Breakdown
  • Comprehensive General Liability covers all Operations
  • Umbrella Liability: Great way to increase limits!
  • Directors and Officers

MEDICAL OFFICES & CLINICS INSURANCE

Types:

  • Family Practice
  • Sports & Wellness
  • Physiotherapy
  • Chiropractic
  • Naturopath
  • Dentistry
  • Nurse Practitioners
  • Walk-In Clinics
  • Family Health Teams

Our specialized packages include:
  • Replacement Cost/ Insurance to Value
  • Income Replacement/ Business Interruption
  • Comprehensive General Liability covers all operations
  • Umbrella Liability: great way to increase limits
  • Malpractice Liability
  • Errors & Omissions/ Professional Liability
  • Directors and Officers Liability
  • Employment Practices
  • Cyber
  • Commercial Auto

NON PROFIT INSURANCE

Non-profit and charitable organizations face unique risks in services being provided. We make sure you and your organization have the coverage you need so you can focus on the mission dedicated to serve.  

Insurance coverage for your business may include (depending on your policy):

  • Building(s)
  • Commercial Liability
  • Business Vehicles
  • Non-Owned Auto
  • Stock/ Equipment and Contents
  • Cyber Risk
  • Board Member Accident
  • Directors and Officers
  • Errors and Omissions

PUBLIC ENTITY INSURANCE

Specialized programs for:

  • Towns
  • Cities
  • Regional Pools
  • Affiliated Municipal Services
  • Hospitals
  • Elder Care
  • Children’s Aid Societies
  • Non-Profit Housing
  • Public Health Units
  • First Nations

Our specialized packages include:
  • Replacement Cost/ Insurance to Value
  • Income Replacement/ Business Interruption
  • Comprehensive General Liability covers all operations
  • Umbrella Liability: great way to increase limits
  • Directors and Officers Liability
  • Errors and Omissions/ Professional Liability
  • Cyber
  • Abuse
  • Board Members Accident
  • Risk Management
  • Auto Fleet & Public Transit

RETAIL INSURANCE

At Stewart Morrison Insurance, our business insurance experts will review your needs and recommend the right coverage to protect your assets. We will provide a tailored insurance solution that will include items such as:

  • General Liability
  • Contents and Inventory
  • Building and Equipment
  • Equipment Breakdown
  • Business Interruption


No matter what kind of retail business you are in, anything from clothing to furniture, bakeries to building supplies, you want the protection of a customized business insurance package. 

SALON & BARBER INSURANCE

Types:

  • Hair Salons
  • Barber Shops
  • Spa
  • Medi Spa
  • Estheticians
  • Tanning Salons
           
Our specialized packages include:
  • Building(s)
  • Contents/Stock and Equipment
  • Professional Liability
  • Participant Liability
  • Tenants Legal Liability
  •  Commercial Liability
  • Non-owned Auto
  • Abuse Liability
  • Malpractice Liability
  • Crime
  • Loss of Income/ Business Interruption

SURETY & BOND INSURANCE

Types:
Contract Surety

  • Bid Bonds
  • Labour Material Bonds
  • Performance Bonds
  • Maintenance Bonds

Commercial Surety
  • Custom & Excise Bonds
  • Fiduciary Bonds
  • License and Permit Bonds
  • Lost Instrument Bonds

WEDDING & SPECIAL EVENT INSURANCE

Wedding and Special Events coverage provides specialized protection for event hosts, participants and properties. Coverages are customized depending on the individuals needs and requiresments of the event. Coverages can include, depending on the policy:

For Event Hosts: Party Alcohol Liability, Liquor Liability Only, Special Events Liability
For Event Participants Including: Exhibitor, Caterer, Performer, Server, Event Planner
Property Coverage: Contents in Storage, Miscellaneous Property, Collectibles,  Wedding Rings
Prize Contests: Hole in One, Hockey Scoro, Prize Indemnity

Is your type of business not listed?  Don't worry - we can still assist you!
We insure businesses of all types and sizes throughout Ontario. 

Say hello to the Stewart Morrison Insurance Commercial Brokers

Meet the Team
Stewart Morrison Insurance Broker Lineup