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There is no better feeling than starting up your own small business and watching it grow and thrive. However, a part of running a business of your own is protecting it and mitigating your risks. What would happen if your business’ property were to sustain damage from an unexpected fire? What if a product needed to be recalled due to its malfunction? What if a client blames your professional advice for a financial loss? Could you repair your company’s reputation or handle the rebuild costs without any help?

Small business insurance can help. If you’re the owner of a small business, insurance cost shouldn’t be a small fortune and it shouldn’t be a hassle. Unfortunately, many small businesses face challenges in getting the right insurance for their company.

Rogers is the best of both worlds: access to a network of over 90 global small business insurance companies and a dedicated, speciality team that offers you personalized attention with exceptional industry knowledge and experience.

Because we’re independent, operate across Canada, and have a large number of insurance companies, we can deliver competitive small business insurance quotes.

Whatever the size or type of your business, at Rogers Insurance we can help you find affordable and flexible small business insurance.

Types of Small Business Insurance Coverage

  • Property Damage
  • Commercial General Liability
  • Professional Liability
  • Product Liability
  • Cyber Liability
  • Directors & Officers Liability
  • Equipment Breakdown
  • Business Interruption
  • Commercial Vehicle

A basic small business package includes liability insurance and property damage, however, you may require additional coverage to adequately protect your business. Our small business insurance brokers can help you determine your needs and work within your budget to find you insurance that works.

Property Damage Insurance for Small Businesses

This essential small business insurance coverage offers protection for the physical assets of your business such as the premises (if you own it), equipment, inventory, and other business-related property. If your business’ property is damaged or destroyed, this coverage will help you recover. The causes of damage covered can include:

  • Fire (including wildfire)
  • Explosion
  • Smoke
  • Falling object
  • Lightning
  • Hail
  • Wind (including tornadoes)
  • Theft
  • Vandalism
  • Snowstorms
  • Electricity
  • Sewer backup*
  • Overland water (flood)*
  • Groundwater*
  • Earthquake*

The coverages marked with an asterisk generally require the purchase of additional coverage. Exactly what’s covered will vary by your policy, insurer, and location.

Small Business Commercial General Liability Insurance

Regardless of your industry, you need commercial general liability for small businesses. If someone is injured or has their property damaged while on your company’s property or due to its operations, they can hold your business liable. This coverage may help cover legal expenses and medical costs related to such an event.

This liability insurance for small businesses is essential for all industries as accidents can happen at any time. For example, if someone enters your store, restaurant, or office, and trips and breaks their wrist, they could hold your company liable for their injury. Small business general liability insurance will help protect you and manage your financial risks.

Small Business Professional Liability Insurance

If your enterprise provides professional advice or a professional service, professional liability insurance for your small business is essential. This coverage helps protect you if a client claims financial loss as a result of your advice or service through potentially helping to cover your legal expenses including defence costs, settlements, and awards.

This coverage is also known as errors & omissions insurance.

Small Business Product Liability Insurance

If you sell or manufacture products, this small business liability insurance can help protect your business if someone is injured or has their property damaged by your product or its malfunction.

Small Business Cyber Liability Insurance

Did you know that small business are often at a higher risk of a data breach or cyberattack? This is often because they’re more vulnerable without the sophisticated software or security practices found at larger companies. This coverage can help your business recover after a data breach or cyberattack as well as provide risk management tools to protect your small business.

Small Business Directors & Officers Liability Insurance

As a business owner or director or officer title-holder, you can be held liable for wrongful acts in your role. This small business liability insurance provides additional liability protection in the event this happens to you.

Equipment Breakdown

If your business relies on essential equipment, this coverage is for you. If that equipment breaks down and requires replacement or repairs, this coverage can help cover those costs. Some policies also include business interruption insurance, too.

Business Interruption

Also known as income interruption insurance, this coverage can help your small business survive a temporary shutdown due to a mandatory evacuation, covered claim, or other unexpected event. It helps cover necessities such as utilities and payroll. Some policies also include funds for temporarily relocating. If a sudden halt in business would severely impact your business, this coverage is a fantastic way to protect your financial security and keep your company afloat during an already difficult time.

Commercial Vehicle

If you use vehicles for your company, you may need small business commercial vehicle insurance.

Keep in mind that all small business insurance has a policy limit and you generally need to pay a deductible before your insurance kicks in. There may be additional choices to make, which is why a small business insurance broker is a helpful asset.

What Does Small Business Insurance Cost?

You might be wondering what your small business insurance will cost. Like with your car or home insurance, the pricing for your commercial insurance is dictated by a number of different factors. Here are a few of them:

  • Your industry and the type of work you do
  • The size of your business
  • Your business’ average revenue
  • Your risk-mitigation and damage prevention efforts
  • Your coverage options including settlement option, policy limits, and deductible
  • Where your business is located and where it operates
  • The value ofyour company’s property
  • Your insurance and claims history
  • … and more!

All of these impact the likelihood of your company experiencing damage or a lawsuit. A Rogers small business insurance broker can help you find ways to reduce your premium as well as match your budget and coverage needs to find you a policy that works.

 Why Choose Rogers for Your Small Business?

Why is small business insurance better with Rogers? We’ve been trusted small business insurance brokers since 1977. From our roots in Alberta, we’ve grown across Canada and continue to provide exceptional customer service with a hands-on, human-first approach to insurance. We believe your small business is important.

We have knowledgeable and experienced brokers who specialize in small business insurance. Because we’re 100% independent and employee-owned, you can trust that we’re working for you and your company. Plus, we have access to over 90 small business insurance companies across Canada. That means we can find you competitive small business insurance quotes and offer a choice in your coverage. Here are just a few things our brokers can do for you:

  • Help you determine your insurance needs for your small business.
  • Deliver a choice of competitive small business insurance quotes.
  • Act as your insurance advisor and resource as well as provide risk management support.
  • Advocate on your behalf in the event of a claim.

Together, we can help protect your small business, wherever it operates in Canada or internationally. You can request a small business insurance quote online, by phone, or stop by one of our offices to meet us in person.


Who we have helped

When real life happens

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Fire Loss

A metal recycling company in Calgary suffered a major fire loss on their premises involving scrap metal, where the piles of metal heated and self-combusted, starting a huge fire. When they were told what happened was not insurable, Rogers’ own David Chiu stepped in and hired a fire investigator.

Account Executive: David Chiu
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