Ontario small business insurance checklist

• Describe exactly what your business does, including any side services
• Gather your lease and client contracts and note insurance requirements
• Choose a commercial general liability limit (often $2M) that meets those contracts
• List business property: equipment, stock, tenant improvements and their values
• Consider business interruption: how long could you survive closed?
• Disclose any vehicles used for the business
• Consider professional liability if clients rely on your advice
• Assess cyber risk: customer data, card payments, online sales
• Consider crime coverage and employee dishonesty
• Check whether you need WSIB registration (separate from insurance)
• Review key person and owner disability protection
• Set a reminder to review coverage when revenue, staff or services change

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Learn more: Commercial Insurance