There When You Need Us¶
You need someone on your side who knows the insurance industry, who can understand your needs and explain your coverage in plain language. As your independent advisors, we work on your behalf to find the right coverage for your business. If you ever have a question or need to file a claim, we’re ready to help.
Talk to us: our expertise is at your service.
Helping You Get Back to Business¶
Adverse events happen to businesses every day across Canada, no matter how well they’re run. If the worst should happen, do you know the extent of your coverage or what the options are? If not, all you need is a Palladium Insurance professional on your side.
We search for the best insurance for small, medium, and large businesses across Canada. From home services businesses, retail, and hospitality to construction, tech and beyond, if you're a business owner we'll work with you to find the insurance coverage you need.
Find a Broker to Advise You¶
Our Total Care Programs¶
We’ve tailored these configurable insurance programs to meet the needs of business owners. They include coverage for commercial, personal, life and living benefits, and much more.
DentAssure for Dental Professionals¶
You rely on your equipment, your premises, your team and your expertise. Ensure they’re protected the way you need them to be.
MedAssure for Medical Professionals¶
From slips and falls on icy sidewalks to disagreements that could damage your reputation, we help you foresee the unforeseeable and ensure the survival of your practice.
BrewAssure for Brewers and Distillers¶
Craft brewers have special requirements, like CRA excise bonds, liquor liability, and protection for equipment and supply chains — not to mention spoilage and product recall.
FarmAssure for Farmers¶
From the impacts of weather to the devastation of fire to accidental injury, we understand the unique needs of agricultural business owners.
Endorsed by the Ontario Association of Cemetery and Funeral Professionals (OACFP) and the Ontario Monument Builders Association (OMBA), our program covers specific property types like crematoriums, vehicles and more.
Whether you’re a contractor, a property developer, or a tradesperson about to embark on a project, construction insurance will protect you from the unexpected.
Other Key Programs for Businesses¶
An Insurance Bureau of Canada poll found that 44% of businesses were defenceless against cyber attacks, and that 60% didn't have the insurance they needed to recover. With Palladium cyber liability coverage, you don’t have to live in fear of hackers.
Life Insurance for Business Owners¶
Life insurance can not only protect you and your business stakeholders from risk, it can be a highly versatile financial asset. When you choose the right coverage, you can grow your wealth and pay less in taxes.
Business Succession Planning¶
When you pass your business on to the next generation of owners, earnings are vulnerable to high tax rates. We can show you how to protect your corporation and the earnings of a lifetime of hard work.
Business Insurance Coverage from A to Z¶
Insurance for businesses comes in many categories and many levels. Our team learns your needs, makes recommendations based on our experience, and then searches our network of providers for the best coverage. Here are just some of the types of coverage we can find and tailor for you:
- Commercial property insurance
- Commercial general liability
- Professional liability (errors and omissions)
- Cyber liability / privacy breach
- Commercial auto insurance
- Employment practice liability insurance
- Crime insurance (fraud, embezzlement, forgery)
- Environmental impairment insurance liability
- Directors’ and officers’ liability (nonprofit and profit)
- Earthquake / flood / sewer backup
- Special event insurance
- Liquor liability / host liability
- Surety bonds / all bonds
- Marine cargo insurance
- Contractor’s equipment
- Builder’s risk insurance as well as testing and commissioning
- Credit insurance
- Commercial umbrella insurance
- Product liability / completed operations / equipment breakdown / business interruption / extra expense