Small Business Insurance in Ontario

Your small business is your livelihood and you’ve work hard for it — you want to make sure that it’s protected.

Whether you have a home-based operation or a small shop with only one employee, you need to protect your business from costly damages or interruptions. At Jeffery & Spence, our small business insurance offers protection from a wide range of risks, with a policy tailored to fit your specific requirements.

Our brokers will start by meeting with you to discuss the specific details of your business, so we can select the appropriate type of coverage for you. We’ll work to find you cost-effective insurance plans so you can receive the most value at the lowest cost.

Our Years of Expertise

Since 1927, the team at Jeffery & Spence Insurance Brokers have provided quality insurance services to a variety of businesses in Guelph and across Ontario. Our professional brokers will provide you with expert advice and guidance, and will locate the right business insurance coverage for you.

Who Needs Small Business Insurance?

Any type of business that serves customers at their location should consider purchasing small business insurance. From restaurants and bars to small retail stores, any business that has a storefront or home office should consider protecting themselves from damages.

Our team offers small business insurance to various types of businesses, including:

  • Bars
  • Book Shops
  • Breweries
  • Butchers
  • Clothing Stores
  • Florists
  • Grocery Stores (Independent)
  • Hairdressers
  • Small Offices
  • Restaurants
  • Salons
  • Spa
  • Wineries
  • And more

If you own a small business, then you should consider acquiring insurance to protect yourself, your property, and your assets. Contact us today to request a quote.

Small Business Insurance in Ontario
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What Is Covered By Small Business Insurance?

Depending on your specific coverages, small business insurance will protect your property, your stock, and your contents from damage, including theft, spoilage, water damage, and more. Small business insurance is typically purchased in addition to your standard commercial general liability policy.

If something happens in your neighbourhood to cause a business interruption, such as a fire or long-term construction on your street, small business insurance can help cover the lost revenue. This type of policy can also help cover the costs of relocation and more.

A number of coverage options for small business insurance are available, including:

  • Business Interruption
  • Contents & Furnishings
  • Relocation
  • Stock
  • Signage
  • And more

Your policy can also be customized to accommodate special events where you might have extra stock in your store — for example, Valentine’s Day for florists or Thanksgiving for butchers. To find out how to customize your policy to get the best value for your business, speak to one of our brokers.

Contact the insurance experts at Jeffery & Spence today to discuss your options.

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