BUSINESS INSURANCE

The more information and knowledge you have about your businesses insurance, the better! That is why you have come to Stewart Morrison Insurance.

At SMI, 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 provide you with the insurance your business requires.


 

AGRI-BUSINESS

AGRI-BUSINESS

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: great way to increase limits
  • Cyber
  • Commercial Auto

BEAUTY

BEAUTY

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

BREWERY/ WINERY

BREWERY/ WINERY

Be apart of SMI'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 PACKAGES

BUSINESS 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
  • Agri-business
  • Fairs & Events

A comprehensive package to include:
  • Building(s)
  • Stock
  • Equipment
  • Inventory
  • Contents
  • Loss of Income
  • Business Liability, tradeshows and exhibitions, non-owned automobile, water damage, crime including money coverage and employee dishonesty.

COMMERCIAL AUTO

COMMERCIAL AUTO

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 SMI 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. 

An SMI Commercial Broker will explain the avaliable coverage  including:
  • Liability
  • Accident Benefits
  • Other optional coverage to protect you from Loss of Use, Fire, Theft, Windshield Damage, and Collision for your vehicles

CONTRACTORS

CONTRACTORS

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

FAIRS & EVENTS

FAIRS & EVENTS

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

FITNESS & LIFESTYLE

FITNESS & LIFESTYLE

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

HOSPITALITY

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

MANUFACTURERS

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

MEDICAL OFFICES & CLINICS

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

NON-PROFIT

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 ENTITIES

PUBLIC ENTITIES

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

SCHOOLS & YOUTH SERVICES

SCHOOLS & YOUTH SERVICES

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: 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

SURETY / BONDS

SURETY / BONDS

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

MyBroker

Here to provide real-world answers.

At Stewart Morrison Insurance, our clients are paired with a dedicated broker to help ensure that your experience, coverage, and confidence is the highest it can be.


More about my broker
Pat Hales
Your Dedicated Broker:
Pat
Hales RIB (ON)

705-324-6681

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
Your Dedicated Broker:
Pat Hales