Important Notice regarding COVID-19: Palladium is serious about the health and safety of its employees, and clients. While our offices remain open, we ask that you please make an appointment given hybrid/remote work considerations. Thanks for your understanding and we look forward to seeing you.

Business Insurance

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.

Request a Consultation

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.

Learn More

Request a DentAssure Quote

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. 

Learn More

Request a MedAssure Quote

BrewAssure for Craft Brewers

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.

Learn More

Request a BrewAssure Quote

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.

Learn More

Request a FarmAssure Quote

Funeral Professionals

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.

Learn More

Request a Funeral Practice Quote


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.

Learn More

Request a Construction Quote

Other Key Programs for Businesses

Cyber Liability

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.

Learn More

Request a Cyber Liability Quote

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.

Learn More

Request a Life Insurance Quote

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.

Learn More

Request a Quote

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