WHY CHOOSE US
We know business.
We know Ottawa.
Our brokers take the time to understand your needs. From small startups to large operations, we deliver complete coverage that protects your investment and supports long-term success. As independent brokers, we work with virtually every major insurer to get you the best possible value.
WHAT WE OFFER
Coverage types
Helping you understand your commercial insurance coverage
Boiler and machinery
Covers sudden and accidental breakdown of equipment such as boilers, pressure vessels, and mechanical or electrical machinery. Helps pay for repairs, replacements, and related business interruption losses.
Builder’s risk
Protects buildings and structures under construction, including materials, equipment, and labor costs, against damage from fire, theft, vandalism, or certain weather events.
Errors and omissions (E&O)
Covers professionals against claims of negligence, mistakes, or failure to deliver promised services that result in financial loss for a client.
Crime and theft
Protects against losses from theft, fraud, forgery, and other criminal acts committed by employees or third parties.
Flood and earthquake
Optional coverage that protects your commercial property from damage caused by natural disasters not typically covered in standard policies.
Commercial general liability (CGL)
Provides coverage for third-party claims of bodily injury, property damage, or personal injury arising from your business operations or premises. Product liability insurance is often part of CGL coverage and protects you from liability claims related to products you have sold.
Commercial auto
For your fleet or company vehicles
Commercial property
Protects your business’s physical location along with contents like furniture, electronics, inventory, and equipment. To enhance this coverage, Business Interruption Insurance can be added—it helps recover lost income if your operations are halted due to insured damages.
Additional types of commercial coverage
Business Interruption: Income replacement when a covered loss forces the business to close down temporarily. Equipment Breakdown: Covers the repair or replacement costs when mechanical or electrical equipment fails without warning, plus lost income while it's down.
CHOOSING THE RIGHT POLICY
How to find
the right fit
Review your risks and operations
Speak to our team of local experts
Consider bundling for savings
Reassess your policy annually
POLICY SELECTION
Choosing the right policy
A commercial insurance policy is a package with multiple coverage types selected to match what the business actually does and where it's exposed. The combination that makes sense depends on the type of business, its assets, and how it operates. We can work through which types apply and where gaps exist.
What is commercial insurance?
Commercial insurance is a type of coverage designed to protect businesses from financial losses related to their operations, property, employees, and liability. It typically includes protection for: -Physical assets such as buildings, equipment, and inventory. -Liability claims from customers, clients, or third parties. -Professional errors or omissions that result in financial harm to a client. -Business interruptions caused by covered events. Unlike personal insurance, commercial policies are tailored to the specific risks of a business. The right coverage depends on your industry, size, and how you operate, which is why working with a broker like Rowat Insurance can help.
Who needs commercial insurance?
If the business owns anything, employs anyone, or gets paid to deliver a service, there's exposure that personal insurance won't cover. The situations where it comes up most include: Small businesses and startups. One bad claim or a piece of equipment going down at the wrong time can cause more financial damage than most early-stage businesses can absorb. Professional service providers. Standard liability policies don’t cover situations when clients allege that advice or work caused them financial harm - but E&O coverage does. Contractors and trades. Contracting work creates an opportunity for potential liability and property damage, which are often not covered by standard policies. Businesses with public-facing locations. Storefronts, clinics, and restaurants deal with customer injuries and property damage from time to time and require commercial insurance to cover these risks. Employers. Employing anyone entails workplace injury risk, exposure to dishonesty, and the possibility of theft by someone with access. Home-based operations. A home policy covers the house, but it rarely covers the business operating out of it, so specialized commercial insurance is necessary.
Is commercial insurance mandatory for businesses in Ontario?
No, commercial insurance isn’t legally required in Ontario, but many landlords, lenders, and clients may require proof of insurance to work with you or lease space.
What does commercial insurance typically cover?
It depends on your policy, but coverage often includes property damage, liability, business interruption, equipment breakdown, and specific risks like cyber attacks or employee theft.
Do I need different policies for different business activities?
Yes. Coverage should match your business type and risk level. For example, a retail store may need product liability, while a consultant may need errors and omissions insurance.
How much commercial insurance coverage do I need?
It depends on the size of your business, your assets, revenue, and level of risk. A broker can help assess your needs and recommend appropriate limits.
Does commercial insurance cover remote or home-based businesses?
Not always. Standard home insurance often excludes business-related risks, so it’s important to get a separate policy or a home business endorsement.
Can I bundle commercial insurance with other policies?
Yes. Many providers offer bundled packages (e.g., commercial property + liability + auto) at discounted rates, which can simplify coverage and save money.
What should I do if my business changes or grows?
Always update your broker when you expand, move, add employees, or change services. Your policy may need adjustments to stay aligned with your operations.
How do I file a commercial insurance claim?
Contact your broker or insurer as soon as possible. Document damages, keep receipts, and follow their claims process closely to ensure proper reimbursement.
COMMERCIAL INSURANCE
Commercial Insurance Ottawa
At Rowat Insurance, we offer tailored commercial insurance solutions to safeguard your business—its property, people, and future. Whether it’s theft, fire, or liability, we ensure you're covered with cost-effective, expert-backed plans.
"Great service and a great price. Been with them for years and have no plans in changing."
WHY CHOOSE US
We know business. We know Ottawa.
Our brokers take the time to understand your needs. From small startups to large operations, we deliver complete coverage that protects your investment and supports long-term success. As independent brokers, we work with virtually every major insurer to
get you the best possible value.
WHY CHOOSE US
POLICY SELECTION
We know business.
We know Ottawa.
Choosing the right policy
Our brokers take the time to understand your needs. From small startups to large operations, we deliver complete coverage that protects your investment and supports long-term success. As independent brokers, we work with virtually every major insurer to get you the best possible value.
A commercial insurance policy is a package with multiple coverage types selected to match what the business actually does and where it's exposed. The combination that makes sense depends on the type of business, its assets, and how it operates. We can work through which types apply and where gaps exist.
WHY CHOOSE US
We know business. We know Ottawa.
Our brokers take the time to understand your needs. From small startups to large operations, we deliver complete coverage that protects your investment and supports long-term success. As independent brokers, we work with virtually every major insurer to get you the best possible value.
WHY CHOOSE US
We know business.
We know Ottawa.
Our brokers take the time to understand your needs. From small startups to large operations, we deliver complete coverage that protects your investment and supports long-term success. As independent brokers, we work with virtually every major insurer to get you the best possible value.
WHAT WE OFFER
Coverage types
What our commercial insurance covers
What our commercial insurance covers
What our commercial insurance covers
Boiler and machinery
Covers sudden and accidental breakdown of equipment such as boilers, pressure vessels, and mechanical or electrical machinery. Helps pay for repairs, replacements, and related business interruption losses.
Builder’s risk
Protects buildings and structures under construction, including materials, equipment, and labor costs, against damage from fire, theft, vandalism, or certain weather events.
Errors and omissions (E&O)
Covers professionals against claims of negligence, mistakes, or failure to deliver promised services that result in financial loss for a client.
Crime and theft
Protects against losses from theft, fraud, forgery, and other criminal acts committed by employees or third parties.
Flood and earthquake
Optional coverage that protects your commercial property from damage caused by natural disasters not typically covered in standard policies.
Commercial general liability (CGL)
Provides coverage for third-party claims of bodily injury, property damage, or personal injury arising from your business operations or premises. Product liability insurance is often part of CGL coverage and protects you from liability claims related to products you have sold.
Commercial auto
For your fleet or company vehicles
Commercial property
Protects your business’s physical location along with contents like furniture, electronics, inventory, and equipment. To enhance this coverage, Business Interruption Insurance can be added—it helps recover lost income if your operations are halted due to insured damages.
Additional types of commercial coverage
Business Interruption: Income replacement when a covered loss forces the business to close down temporarily. Equipment Breakdown: Covers the repair or replacement costs when mechanical or electrical equipment fails without warning, plus lost income while it's down.
Boiler and machinery
Covers sudden and accidental breakdown of equipment such as boilers, pressure vessels, and mechanical or electrical machinery. Helps pay for repairs, replacements, and related business interruption losses.
Builder’s risk
Protects buildings and structures under construction, including materials, equipment, and labor costs, against damage from fire, theft, vandalism, or certain weather events.
Errors and omissions (E&O)
Covers professionals against claims of negligence, mistakes, or failure to deliver promised services that result in financial loss for a client.
Crime and theft
Protects against losses from theft, fraud, forgery, and other criminal acts committed by employees or third parties.
Flood and earthquake
Optional coverage that protects your commercial property from damage caused by natural disasters not typically covered in standard policies.
Commercial general liability (CGL)
Provides coverage for third-party claims of bodily injury, property damage, or personal injury arising from your business operations or premises. Product liability insurance is often part of CGL coverage and protects you from liability claims related to products you have sold.
Commercial auto
For your fleet or company vehicles
Commercial property
Protects your business’s physical location along with contents like furniture, electronics, inventory, and equipment. To enhance this coverage, Business Interruption Insurance can be added—it helps recover lost income if your operations are halted due to insured damages.
Additional types of commercial coverage
Business Interruption: Income replacement when a covered loss forces the business to close down temporarily. Equipment Breakdown: Covers the repair or replacement costs when mechanical or electrical equipment fails without warning, plus lost income while it's down.
CHOOSING THE RIGHT POLICY
How to find the right fit
Review your risks and operations
Speak to our team of local experts
Consider bundling for savings
Consider bundling for savings
Reassess your policy annually
POLICY SELECTION
Choosing the right policy
A commercial insurance policy is a package with multiple coverage types selected to match what the business actually does and where it's exposed. The combination that makes sense depends on the type of business, its assets, and how it operates. We can work through which types apply and where gaps exist.
What is commercial insurance?
Commercial insurance is a type of coverage designed to protect businesses from financial losses related to their operations, property, employees, and liability. It typically includes protection for: -Physical assets such as buildings, equipment, and inventory. -Liability claims from customers, clients, or third parties. -Professional errors or omissions that result in financial harm to a client. -Business interruptions caused by covered events. Unlike personal insurance, commercial policies are tailored to the specific risks of a business. The right coverage depends on your industry, size, and how you operate, which is why working with a broker like Rowat Insurance can help.
Who needs commercial insurance?
If the business owns anything, employs anyone, or gets paid to deliver a service, there's exposure that personal insurance won't cover. The situations where it comes up most include: Small businesses and startups. One bad claim or a piece of equipment going down at the wrong time can cause more financial damage than most early-stage businesses can absorb. Professional service providers. Standard liability policies don’t cover situations when clients allege that advice or work caused them financial harm - but E&O coverage does. Contractors and trades. Contracting work creates an opportunity for potential liability and property damage, which are often not covered by standard policies. Businesses with public-facing locations. Storefronts, clinics, and restaurants deal with customer injuries and property damage from time to time and require commercial insurance to cover these risks. Employers. Employing anyone entails workplace injury risk, exposure to dishonesty, and the possibility of theft by someone with access. Home-based operations. A home policy covers the house, but it rarely covers the business operating out of it, so specialized commercial insurance is necessary.
Is commercial insurance mandatory for businesses in Ontario?
No, commercial insurance isn’t legally required in Ontario, but many landlords, lenders, and clients may require proof of insurance to work with you or lease space.
What does commercial insurance typically cover?
It depends on your policy, but coverage often includes property damage, liability, business interruption, equipment breakdown, and specific risks like cyber attacks or employee theft.
Do I need different policies for different business activities?
Yes. Coverage should match your business type and risk level. For example, a retail store may need product liability, while a consultant may need errors and omissions insurance.
How much commercial insurance coverage do I need?
It depends on the size of your business, your assets, revenue, and level of risk. A broker can help assess your needs and recommend appropriate limits.
Does commercial insurance cover remote or home-based businesses?
Not always. Standard home insurance often excludes business-related risks, so it’s important to get a separate policy or a home business endorsement.
Can I bundle commercial insurance with other policies?
Yes. Many providers offer bundled packages (e.g., commercial property + liability + auto) at discounted rates, which can simplify coverage and save money.
What should I do if my business changes or grows?
Always update your broker when you expand, move, add employees, or change services. Your policy may need adjustments to stay aligned with your operations.
How do I file a commercial insurance claim?
Contact your broker or insurer as soon as possible. Document damages, keep receipts, and follow their claims process closely to ensure proper reimbursement.
Is commercial insurance mandatory for businesses in Ontario?
No, commercial insurance isn’t legally required in Ontario, but many landlords, lenders, and clients may require proof of insurance to work with you or lease space.
What does commercial insurance typically cover?
It depends on your policy, but coverage often includes property damage, liability, business interruption, equipment breakdown, and specific risks like cyber attacks or employee theft.
What is commercial insurance?
Commercial insurance is a type of coverage designed to protect businesses from financial losses related to their operations, property, employees, and liability. It typically includes protection for: -Physical assets such as buildings, equipment, and inventory. -Liability claims from customers, clients, or third parties. -Professional errors or omissions that result in financial harm to a client. -Business interruptions caused by covered events. Unlike personal insurance, commercial policies are tailored to the specific risks of a business. The right coverage depends on your industry, size, and how you operate, which is why working with a broker like Rowat Insurance can help.
Who needs commercial insurance?
If the business owns anything, employs anyone, or gets paid to deliver a service, there's exposure that personal insurance won't cover. The situations where it comes up most include: Small businesses and startups. One bad claim or a piece of equipment going down at the wrong time can cause more financial damage than most early-stage businesses can absorb. Professional service providers. Standard liability policies don’t cover situations when clients allege that advice or work caused them financial harm - but E&O coverage does. Contractors and trades. Contracting work creates an opportunity for potential liability and property damage, which are often not covered by standard policies. Businesses with public-facing locations. Storefronts, clinics, and restaurants deal with customer injuries and property damage from time to time and require commercial insurance to cover these risks. Employers. Employing anyone entails workplace injury risk, exposure to dishonesty, and the possibility of theft by someone with access. Home-based operations. A home policy covers the house, but it rarely covers the business operating out of it, so specialized commercial insurance is necessary.
Do I need different policies for different business activities?
Yes. Coverage should match your business type and risk level. For example, a retail store may need product liability, while a consultant may need errors and omissions insurance.
How much commercial insurance coverage do I need?
It depends on the size of your business, your assets, revenue, and level of risk. A broker can help assess your needs and recommend appropriate limits.
Does commercial insurance cover remote or home-based businesses?
Not always. Standard home insurance often excludes business-related risks, so it’s important to get a separate policy or a home business endorsement.
Can I bundle commercial insurance with other policies?
Yes. Many providers offer bundled packages (e.g., commercial property + liability + auto) at discounted rates, which can simplify coverage and save money.
What should I do if my business changes or grows?
Always update your broker when you expand, move, add employees, or change services. Your policy may need adjustments to stay aligned with your operations.
How do I file a commercial insurance claim?
Contact your broker or insurer as soon as possible. Document damages, keep receipts, and follow their claims process closely to ensure proper reimbursement.
POLICY SELECTION
Choosing the right policy
A commercial insurance policy is a package with multiple coverage types selected to match what the business actually does and where it's exposed. The combination that makes sense depends on the type of business, its assets, and how it operates. We can work through which types apply and where gaps exist.
FAQs
Answering your questions
Got more questions? Send us a message below.
Got more questions?
Send us a message below.
What is commercial insurance?
Commercial insurance is a type of coverage designed to protect businesses from financial losses related to their operations, property, employees, and liability. It typically includes protection for: -Physical assets such as buildings, equipment, and inventory. -Liability claims from customers, clients, or third parties. -Professional errors or omissions that result in financial harm to a client. -Business interruptions caused by covered events. Unlike personal insurance, commercial policies are tailored to the specific risks of a business. The right coverage depends on your industry, size, and how you operate, which is why working with a broker like Rowat Insurance can help.
Who needs commercial insurance?
If the business owns anything, employs anyone, or gets paid to deliver a service, there's exposure that personal insurance won't cover. The situations where it comes up most include: Small businesses and startups. One bad claim or a piece of equipment going down at the wrong time can cause more financial damage than most early-stage businesses can absorb. Professional service providers. Standard liability policies don’t cover situations when clients allege that advice or work caused them financial harm - but E&O coverage does. Contractors and trades. Contracting work creates an opportunity for potential liability and property damage, which are often not covered by standard policies. Businesses with public-facing locations. Storefronts, clinics, and restaurants deal with customer injuries and property damage from time to time and require commercial insurance to cover these risks. Employers. Employing anyone entails workplace injury risk, exposure to dishonesty, and the possibility of theft by someone with access. Home-based operations. A home policy covers the house, but it rarely covers the business operating out of it, so specialized commercial insurance is necessary.
Is commercial insurance mandatory for businesses in Ontario?
No, commercial insurance isn’t legally required in Ontario, but many landlords, lenders, and clients may require proof of insurance to work with you or lease space.
What does commercial insurance typically cover?
It depends on your policy, but coverage often includes property damage, liability, business interruption, equipment breakdown, and specific risks like cyber attacks or employee theft.
Do I need different policies for different business activities?
Yes. Coverage should match your business type and risk level. For example, a retail store may need product liability, while a consultant may need errors and omissions insurance.
How much commercial insurance coverage do I need?
It depends on the size of your business, your assets, revenue, and level of risk. A broker can help assess your needs and recommend appropriate limits.
Does commercial insurance cover remote or home-based businesses?
Not always. Standard home insurance often excludes business-related risks, so it’s important to get a separate policy or a home business endorsement.
Can I bundle commercial insurance with other policies?
Yes. Many providers offer bundled packages (e.g., commercial property + liability + auto) at discounted rates, which can simplify coverage and save money.
What should I do if my business changes or grows?
Always update your broker when you expand, move, add employees, or change services. Your policy may need adjustments to stay aligned with your operations.
How do I file a commercial insurance claim?
Contact your broker or insurer as soon as possible. Document damages, keep receipts, and follow their claims process closely to ensure proper reimbursement.
GET A QUOTE
Let’s protect your
business together
Let’s protect your
business together
Reach out to Rowat Insurance to speak with a broker or request a quote online. We’re here to support your success.
Reach out to Rowat Insurance to speak with a broker or request a quote online. We’re here to support your success.
Reach out to Rowat Insurance to speak with a broker or request a quote online. We’re here to support your success.
Proudly protecting Canadian families, homes, and businesses—Rowat Insurance is here when you need us most. Contact us today!
Ottawa East
Mon-Fri 9:00am-5:00pm
Sat-Sun Closed
Ottawa West
Mon-Fri 9:00am-5:00pm
Sat-Sun Closed
