Connecting you with insurance solutions that work.

Enabling you to focus on building your business, trusting the team in your corner has your could have should haves are protected. Protecting what matters in Ontario, for over 70 years.

Connect with Us! 1.855.740.4700 Get a quote today!


Protecting what matters most to you is our top priority. It’s what we’re here for.

At Gifford Carr Insurance Group we are motivated to see our local businesses and neighbours succeed. We believe in building our business based on trust. Connecting you with solutions that work. With the right insurance, you can focus solely on building your dreams, your business, your priorities. Without the worry of what if. We understand that insurance is not trendy. It’s a necessity. It matters.

Commercial Insurance Solutions

What is Business Insurance?

Business insurance, known formally as commercial insurance, is a policy that provides financial protection against common liability claims or lawsuits brought against you and your business. No matter the size or nature of your business, we work with you to understand your business operations and goals to ensure the coverage is in place to protect your business as you grow.

Mistakes happen. Regardless of the industry, commercial business insurance is essential. It is a proactive risk management tool and an integral part of your business plan. As careful as you may be, there are unforeseen events that can happen to every business. Protect your hard work with a Commercial Business Insurance policy that fits your unique needs.

How is Gifford Carr different?

Protecting what matters most to you is genuinely our top priority. When you connect with Gifford Carr you talk to your local broker. There are no call centers, you will never be a number on a P&L.

We are proud to be an advisor on your team. Our brokers get to know you and your business. You can trust your Gifford Carr broker is in your corner, protecting what matters most to you and your business – so you can focus on what you do best, building your business.


What insurance is mandatory for Ontario businesses?

Mandatory is probably the wrong word. If you have property and equipment that has a loan or a lease, the lending institution will demand coverage for that property or equipment. There is no governing body out there that will dictate the purchase of insurance otherwise. But, is it highly recommended? Definitely. Where coverage is required is on vehicles, and the only mandatory piece is the third-party liability and accident benefits portion. But again, unless there is a lender or lease on the vehicle requiring it, we do not have to buy coverage for damage to the vehicle (even if it is highly recommended*).

Do you need business insurance in Ontario?

If you are running a business, you should insure your business operations with a general liability policy as a minimum, but to properly protect your business, property, business interruption, crime, and cyber coverage should all also be considered. The list can go on. And to the point of commercial auto insurance, if you have a vehicle that should be insured, even if it is not loaned or financed.

What factors into the cost of Business Insurance?

The cost of your insurance premium will vary based on several factors, including factors like:

  • Industry
  • Level of Experience
  • Annual Revenue
  • Number of Employees
  • Scope of Operations
  • Location

Is liability insurance a type of business insurance?

General liability is one of many coverage options that a business would need. But that question is too simple to cover the variety of other insurance that would be needed by a business.

Insurance is not a one size fits all solution. An insurance package would have to be tailored to the individual business – and that is what we are here for. To find the customized insurance solution fit for your business.


We partner with the leading insurance companies across Canada, providing you access to the best coverage options from coast to coast.

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Complete the form to connect with your local Gifford Carr broker to get a detailed quote. Trust us to ensure you are protected. So you can focus on what matters.

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        Complete the form to connect with your local Gifford Carr broker to get a detailed quote. Trust us to ensure you are protected. So you can focus on what matters.