Business Insurance That's Rock Solid

Business Insurance by the Billyard Insurance Group

We compare up to 10 quotes - from Ontario’s most esteemed business insurance providers - to find you the best commercial insurance rate for your business. Be certain that your company is covered from potential liability and property claims. We’ll make sure your business get’s back on its feet. Don't pay for a generic policy your company doesn't fully use. You deserve affordable coverage, tailored to your needs. We'll negotiate it for you. Insurance made simple. Call a broker or get started online with your personalized offer today.

Insurance by Coverage:

Property & Liability (Click to Expand)

Safeguard your business with the right business insurance

Property insurance provides protection for physical assets such as buildings and their contents, equipment and stock, property in transit, as well as business interruption coverage.

Liability insurance covers you for bodily injury, property damage, personal injury to third parties and other risks that can arise from your business operations.

Commercial Auto & Fleet (Click to Expand)

Commercial auto insurance is designed for businesses that rely on their wheels. Protect your commercial vehicles with coverage from the Billyard Insurance Group.

Commercial Fleet - If your business owns or leases multiple company vehicles, it may be more efficient to insure them under one fleet policy with one common renewal date.

Equipment Breakdown (Click to Expand)

You already have insurance to protect your business. But is it complete? Your commercial property policy covers the electrical, mechanical and other equipment used in your business against loss or damage due to fire, theft and other events.

But your property policy likely doesn’t cover a far more common problem – sudden, accidental equipment breakdown. A breakdown could shut down your operations.

Today, most businesses use some form of electrical, electronic, mechanical or pressure equipment. Think about the impact on your business if your telephone system or cash registers were to break down. What if there was a problem with your heating and air-conditioning unit, refrigerator, or electrical panel?

Without equipment breakdown insurance, your business is at risk of absorbing the full impact of costly repairs, replacement and lost income.

Directors & Officers Liability (Click to Expand)

Directors and officers are accountable for the organizations they oversee. They are required to act in good faith and in the best interest of the organization – whether it’s a non-profit or for-profit enterprise.

Talk to a Billyard Insurance Group broker today about coverage for directors and officers liability.

Errors & Omissions (Click to Expand)

Professionals in private practice and companies that provide professional services to clients are held to high standards of duty and accountability.

Your business may be liable if a client claims financial loss due to an error or omission on your part, or that of an employee. Errors and omissions liability insurance offers coverage beyond the scope of a general liability policy.

Talk to a Billyard Insurance Group Broker today.

Professional Liability (Click to Expand)

If you work in the health services or personal-care field, you need the right business insurance to protect yourself against claims related to your delivery of professional services.

Privacy Breach & Cyber Liability (Click to Expand)

A privacy breach can include the loss, theft or unauthorized access to or use of personal customer or employee information. With our cyber endorsement, we help you get back to business in the event you are targeted with coverage for remediation expenses as well as business interruption loss coverage.

Privacy Breach & Cyber Liability claims are becoming ever more common in today’s on-line world. Don’t think it can happen to you? It’s not just large internet companies that are subject to attack from hackers resulting in loss to your business or your clients.

Talk to a Billyard Insurance Group Broker today to understand your risk.

Insurance by Industry:

Construction & Contractors (Click to Expand)

Get insurance coverage built for your business

Whether you’re a general contractor, sub-contractor or construction tradesperson, the Billyard Insurance Group offers policies to help protect you, your employees, your building materials and your equipment – on the job, in the shop and anywhere in between.

Insurance coverage to consider:

  • Tools/Equipment

  • General Liability

  • Installation Floater

  • Surety Bonds
  • Builder’s Risk

Talk to an experienced Billyard Insurance Group Broker about your specific business insurance needs.

Service & Professionals (Click to Expand)

You take care of your clients. We’ll take care of you.

Service providers and professionals have special business insurance needs. Whether you use specialized equipment, work offsite or consult clients in your office, the Billyard Insurance Group has your business covered.

Insurance coverage to consider:

  • Business Equipment
  • Professional Liability
  • Offsite Equipment

Call the Billyard Insurance Group for a customized business insurance policy that suits your needs.

Retail (Click to Expand)

Open your doors to complete protection

No matter what kind of retail business you’re in – from clothing to electronics, bakeries to building materials – you need protection for the unique risks of your business. The Billyard Insurance Group offers specialized coverage created for retailers just like you, so your assets will be protected and you can focus on your business.

In retail, you work with the public every day, which exposes your business to many risks. We help you protect your business against inventory theft, equipment breakdown or other unexpected events.

Insurance coverage to consider:

  • General Liability
  • Business Interruption

  • Contents and Inventory
  • Building and Equipment

  • Equipment Breakdown

  • Privacy Breach & Cyber Liability

Hospitality (Click to Expand)

Insurance to protect your business and your guests

In the competitive hospitality business - which includes restaurants, bars, bed and breakfast, country inns, motels, hotels, resorts, spas, golf courses and wineries – you have a lot to think about in addition to your insurance.

Insurance coverage to consider:

  • Building and Contents

  • Business Interruption
  • Equipment Breakdown

  • Business Premises Liability

  • Host Liquor Liability

When you do consider your hospitality insurance requirements for your operation, you can protect your assets with specialized coverage from the Billyard Insurance Group – and you can even customize this coverage based on your specific needs.

Manufacturing & Wholesaling (Click to Expand)

You keep moving. We help ensure your operations are covered.

Protect your business with specialized coverage created for the needs of manufacturing or wholesaling companies like yours. Whether you manufacture goods, process food or wholesale products like plumbing supplies, fruit and vegetables or clothing, enjoy peace of mind knowing you have insurance coverage that lets you focus on your business.

As a wholesale distributor, your business risks are unique. You provide facilities and services for the storage and distribution of products – but you also deal with the logistics of global commerce and new technologies.

Insurance coverage to consider:

  • Buildings and Contents/Inventory
  • Cargo/Transportation

  • Commercial Vehicles

  • General Liability

You can rely on the Billyard Insurance Group to deliver the wholesaling and manufacturing insurance coverage you need. We will customize the right insurance for your business. From a full package with optional enhancements to only select coverage, you get what you need to protect your business – along with the confidence knowing you’re backed an experience Billyard Insurance Group Broker.

Commercial & Residential Realty (Click to Expand)

The right protection for your real estate assets

As a building owner or property manager, you have a lot to take care of – especially in a competitive real estate market. Enjoy peace of mind and confidence knowing your assets are protected with realty insurance from the Billyard Insurance Group. Select a comprehensive package or choose specific options based on your needs. No matter what you choose, you’ll get the right protection for your business.

Insurance coverage to consider:


  • Building Coverage

  • Loss of Income

  • Premises Liability

  • Equipment Breakdown

  • Flood Coverage

  • Sewer Backup

  • Cyber Liability

Non-Profit Organizations (Click to Expand)

We’ve got your organization and your people covered

Each year in Ontario, millions of volunteers generously donate their time and labour to all sorts of worthy causes. Protect these hard workers and the organizations they support, The Billyard Insurance Group offers affordable coverage for liability, property damage, and more.

Count on your Billyard Insurance Group Broker to tailor a plan that has everything your volunteer/non-profit group needs, with rates that won’t stretch your budget. Our policies combine all the protection you need in one complete package, including:

Essential liability coverage for financial protection against lawsuits:

  • Commercial General Liability

  • Blanket Accident Insurance
  • Tenants Legal Liability
  • Non-owned Automobile Liability

Specialty liability coverage to protect you from claims:

  • Non-profit Directors & Officers Liability (D&O)
  • Errors & Omissions Liability (E&O)
  • Owned Automobile Insurance
  • Umbrella Liability

Property crime coverage to cover any buildings or other property your group owns:

  • Commercial Property Insurance
  • Crime Coverage

Home Based Business (Click to Expand)

When you work from home, you still need coverage for your business

Many Ontarians operate businesses from their homes. What you may not know is how this affects your home insurance. If employees or clients are coming into the home for business purposes, you may not be covered under your standard home insurance policy for liability.

You need to protect the things that help you run your business every day: furniture, equipment, computers, software, mobile phone, inventory and other property.

Insurance coverage to consider:

  • Business Property

  • Product Liability
  • Business Premises Liability

We may be able to add a Home Based Business endorsement to your existing Home Insurance policy that will protect you and your business, or depending on the size and nature of your business it may be necessary to purchase a separate Commercial General Liability Insurance policy.

You should talk to a Billyard Insurance Group Broker to consider home-based business insurance to make sure you and your business property are covered.

Automotive (Click to Expand)

The right coverage to drive your business further

If you own an automotive business such as a dealership, repair shop, car wash, garage or gas bar, you can get the insurance protection you need from the Billyard Insurance Group, customized to meet the unique needs of your business.

Coverage Available For:

  • Service Stations
  • Repair Garages Including Light/Heavy Truck Repairs

  • Gas Bars

  • Car Wash

  • Specialty Shops

  • Auto Body Shops

  • Used Car Dealers

  • Small to Medium
  • sized Operations with Maximum Sales Figures of $2,000,000

  • Start-up Operations Considered


  • Property of Every Description
  • Replacement Cost Coverage

  • Commercial General Liability

  • Premises and Operations

  • Products and Completed Operations

  • Blanket Contractual Liability

  • Occurrence Basis Property Damage

  • Hoist Collision Liability

Additional Coverages Available:

  • Business Interruption

  • Crime
-Boiler & Machinery
  • Umbrella
-Service Plate(s)

Farming (Click to Expand)

Your agri-business has specific insurance needs

When it comes to farm insurance, your needs are as diverse as the job and the lifestyle. That’s why the Billyard Insurance Group offers insurance coverage for agricultural operations of all types and sizes.

Insurance coverage to consider:

  • General Liability

  • Buildings/Machinery
  • Loss of Income

  • Livestock

  • Agricultural products and equipment

Warehousing, Transportation & Logistics (Click to Expand)

Comprehensive insurance for warehouse, transportation and logistics businesses

As a business owner, your time is valuable. Insurance solutions from the Billyard Insurance Group let you focus on your business and have peace of mind knowing your commercial assets are protected.

Feel secure knowing that you’re getting insurance designed to meet the special needs and risks of your business. Whether your operations include incidental third party logistics, inventory management, packaging or other warehousing services, Billyard Insurance Group provides customized coverage for a wide range of businesses within the warehousing, transportation and logistics sector. Plus, we monitor the industry to providing you with the latest features available.

Start Your Business Insurance Quote Now!
Our trusted insurance partners

Billyard Insurance Brokers

Billyard Insurance Group Inc.
38 East Main Street, Welland, L3B3W3
Local Phone (905) 346-2190
Toll Free (855) 843-1570
Fax (866) 540-6870

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