Business Insurance Ontario

Protect your Ontario venture with APOLLO’s Small Business Insurance

Colourful, autumnal trees near waterfront properties with docks in Ontario

We’re Revolutionizing Small Business Insurance in Ontario

APOLLO is making insurance effortless for Ontario small businesses. As Canada’s leading online insurance provider, we deliver a people-first buying experience through time-saving technology and a deep understanding of the communities we serve – from Ottawa to Sudbury.

APOLLO is Canada’s only place to buy insurance fully online, 24/7.

It takes only a few minutes to process and get your proof of insurance.

Payments are easy, monthly, and manageable.

Industry-Specific Insurance for All Types of Ontario Businesses

From a construction company in North Bay to a yoga studio in Toronto, APOLLO has your Ontario small business covered. Below are a few examples of our fast and affordable options.

Construction worker holding building drawings on site

Builder’s Risk

For protection working on private or commercial property.

Personal Trainer working out by doing lunges with a client

Personal Trainers

Covers you while you coach.

Woman working at her computer


To protect you while you balance your business.

Yoga instructor

Yoga Instructors

For flexible coverage as you teach.


To protect your practice as you build it.

Woman having a facial at the spa

Beauty Services

Takes care of your business as you take care of clients.

A Glance at Small Business in Ontario

Whether you’ve just started a business or you’ve been running your company for years, being an entrepreneur is hard. But finding the right small business liability insurance in Ontario doesn’t have to be.

As one of Canada’s most densely populated provinces, Ontario is home to over 14.5M people. There are more than 50 cities located in the region, including the provincial capital of Toronto and the national capital of Ottawa. Therefore, it’s no surprise that Ontario offers some of the most culturally diverse and bustling professional locales in the world.

As the second largest province in Canada, Ontario covers more than 1M square kilometres. It also provides more than half of the nation’s small business operations, in conjunction with Quebec.

While your business journey may take you to Northern Ontario cities like Thunder Bay or Sault Ste. Marie, the vast majority of the province’s residents live and work along the southern shores of the Great Lakes.

Even though manufacturing hubs like Hamilton and Toronto make Ontario one of Canada’s larger providers, it’s the services sector that represents the most opportunities and growth for entrepreneurs.

As the biggest part of Ontario’s economy, the province’s services sector provides employment for millions of Canadians. It includes a wide variety of industries, from financial services to arts and culture. In the Greater Toronto Area alone, you can also find tech startups and pharmaceutical operations, among many others.

Whether your venture is small or large, APOLLO has you covered with business liability insurance in Ontario.

Get a quote, buy online, and receive your policy document all within minutes.

Small Business Basics

Interpreting insurance

From FAQs to COIs, we have the answers to help keep it clear.

Insurance is a critical component to the survival and success of your business. No matter your industry or size, business insurance provides financial coverage for the costs that surface with unforeseen events—anything from defective products to third-party damage. It can get complicated, so we help you simplify it with simple policy procedures and easy-to-get quotes.

Business insurance protects business owners from losses due to unforeseen events during day-to-day operations. While there are many types of insurance products available for business owners, the coverage you need is determined by many factors: industry, revenue, size, etc. That’s why we customize our coverage to meet your unique needs.

A COI is a statement of coverage that we provide to you. It’s a summary that verifies that your business is, in fact, insured.
You may receive a request from a potential client for a COI as a condition of doing business with you. It’s simply proof that your business can cover the cost of a liability claim.

A Business Owner’s Policy is a great option for small business owners, since it combines the multiple coverages needed to protect against all major risks at an affordable package. This helps mitigate small business insurance costs by bundling multiple types of insurance together and selling them at a cheaper premium.
While there are multiple different factors involved, BOPs are typically only available to small to mid range businesses with less than 100 employees making less than a certain amount of revenue.

A BOP typically protects small businesses by bundling together four types of general insurance all for one reduced price:

Commercial Property Insurance
While there are multiple different factors involved, BOPs are typically only available to small to mid range businesses with less than 100 employees making less than a certain amount of revenue.
Business Interruption Insurance
Protects you and your employees against potential lost wages in the case of a disaster halting your business.
Crime Insurance
Covers your business in the event of being targeted by theft or any other fraudulent activity.
General Liability Insurance
Mitigates losses in the event of a lawsuit brought against your company due to bodily harm to an employee or a client during the course of business, regardless of whether or not you’re at fault.
While a Business Owner’s Policy is a great option for general coverage of property and casualty insurance for small businesses, it’s important to know that it doesn’t include certain types of insurance, including: commercial auto insurance, workers compensation insurance or professional liability insurance.
Often only needed by larger businesses, professional liability insurance (also known as errors and omissions) protects against claims of negligence, misrepresentation or imprecise advice.

There’s lots of different factors at play that will affect the cost of your small business insurance, making your quote as unique as your business itself. And while it all depends on what different types of insurance you need, small business owners in Canada can expect to spend about $500 annually on insurance.

Ontario Small Business Insurance with APOLLO

You could pursue anything you want in Ontario. But to be a small business owner or entrepreneur takes courage, dedication, and a lot of hard work. APOLLO is here to help.

There are many different types of business insurance out there. For this reason, it’s important to make sure you have the right liability coverage that works for your company.

APOLLO is Ontario’s leading online insurance provider. We’re making it easier than other companies for you to find the best policy for your business.

We protect ventures, large and small, from financial loss by offering coverage of:

  • Liability claims
  • Privacy and data breaches
  • Errors and omissions
  • Damaged or stolen contents

Through APOLLO’s entirely online application process, you’ll receive your free quote within minutes. After purchase, your policy will be delivered straight to your inbox in real time.

Start your online application now to get comprehensive coverage for your Ontario business today.

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