Office Space Insurance in Ontario
Whether you lease an office, use a co-working space, or run your business from home -- protect your contents, equipment, and business from liability claims with the right office insurance package.
Have Ready for Your Quote:
- Business name and type of operations
- Office address and square footage
- Owned vs. leased space
- Value of office contents and equipment
- Number of employees / visitors expected
- Current policy details (if switching)
- Landlord insurance requirements (if leasing)
For general guidance only. Office insurance requirements vary based on your lease agreement, business type, and the value of your assets. Contact your broker for a tailored recommendation.
Who Needs Office Insurance?
If you operate a professional business from a dedicated workspace, you likely need office insurance. Your home insurance does NOT cover business activities, and your landlord's insurance does NOT cover your contents or liability.
Commercial leases typically require tenant insurance
Protect your equipment and liability in shared environments
Home insurance excludes business liability and contents
Consultants, accountants, agencies, and more
Coverage Types for Offices
Protects against third-party claims for bodily injury or property damage. If a client slips and falls in your office or you accidentally damage a client's property, CGL covers legal fees and settlements. Coverage limits typically range from $1M to $5M.
Covers your office furniture, computers, printers, phones, and other equipment against fire, theft, water damage, and vandalism. Your landlord's insurance does NOT cover your belongings.
Covers damage you cause to the leased premises (e.g., accidental fire). Most commercial leases require this coverage as a condition of the lease.
Covers sudden mechanical or electrical breakdown of computers, servers, HVAC systems, and other equipment not covered by standard property insurance.
Protects against claims of negligence, errors, or omissions in your professional services. Essential for consultants, accountants, IT firms, and other professional service businesses.
Covers costs related to data breaches, ransomware attacks, and cyber incidents including notification costs, credit monitoring, legal fees, and business interruption.
Replaces lost income and covers ongoing expenses if your office is damaged and you can't operate. Helps pay rent, salaries, and other fixed costs while you recover.
Home Insurance Does NOT Cover Your Business
If you work from home, your homeowner's or tenant's insurance likely excludes business activities entirely. This means your business equipment, inventory, and any liability from business visitors or operations is NOT covered. A client injured at your home office? A laptop stolen? Your home policy won't pay. You need separate office/business insurance.
Businesses We Insure
Don't see your business type? Call us -- we insure over 150 different business operations.
Common Questions
Get an Office Insurance Quote
We work with multiple commercial insurers to find the right coverage for your business.
Typical Lease Requirements
- Commercial General Liability ($2M+)
- Tenant's Legal Liability ($1M+)
- Landlord named as Additional Insured
- Certificate of Insurance (COI)
- 30-day cancellation notice clause
- Property/Contents coverage
Typical Coverage Limits
Why Use a Broker?
- Compare rates across multiple insurers
- Get help meeting lease requirements
- Bundle multiple coverages for savings
- Expert guidance on your specific risks
ProtectYourOfficeandBusiness
Get a customized office insurance quote today.