Comprehensive protection tailored to your business needs. Get covered today with SIG Insurance.
SIG provides comprehensive small business insurance solutions tailored specifically for entrepreneurs and business owners in Ottawa. Our deep understanding of local business environments means we can offer you protection that truly fits your needs.
“SIG Insurance understood exactly what our small retail business needed. Their personalized approach saved us money while actually improving our coverage. When we had a claim, they handled everything efficiently and got us back to business quickly.”
📞 Speak with a small business insurance advisor today: Call 1-416-628-3101
Small business insurance is a collection of coverage types designed to protect your company from financial losses due to unexpected events, lawsuits, property damage, and other risks. It safeguards your business assets, income, and future against potential threats that could otherwise be devastating.
Guards your business against costly lawsuits, property damage, and liability claims that could otherwise drain your resources.
Many types of business insurance are legally required in Ottawa, helping you stay compliant with local regulations.
Ensures your business can recover and continue operations after unexpected events like natural disasters or accidents.
Running a small business in Ottawa comes with unique challenges and risks. Without proper insurance coverage, a single incident could threaten everything you’ve worked hard to build.
In Ottawa, certain types of business insurance are mandatory depending on your industry and number of employees. Compliance isn’t just about avoiding fines—it’s about responsible business management.
Many clients and partners in Ottawa will require proof of insurance before signing contracts. Having comprehensive coverage opens doors to more business opportunities.
The average liability claim for small businesses exceeds $50,000—an amount that could be catastrophic without insurance. Proper coverage ensures one incident doesn’t wipe out your business savings.
With comprehensive small business insurance, you can focus on growing your company rather than worrying about potential disasters or lawsuits.
Don’t wait until it’s too late—secure your business future today with proper insurance coverage.
Every business has unique needs. At SIG, we help you build a comprehensive insurance package that addresses your specific risks and industry requirements.
Covers third-party bodily injury, property damage, and advertising injury claims. This is the foundation of most small business insurance packages.
Protects your physical assets—buildings, inventory, equipment, and furniture—against damage from fire, theft, vandalism, and certain natural disasters.
Replaces lost income and covers expenses if your business operations are disrupted due to a covered event like fire or natural disaster.
Also known as Errors & Omissions (E&O), this covers claims of negligence, mistakes, or failure to deliver promised services.
Covers medical expenses and lost wages for employees injured on the job. This is legally required in Ottawa for businesses with employees.
Protects against data breaches, hacking, and other cyber threats that could compromise customer information or disrupt operations.
Our advisors will help you determine which coverages are essential for your specific business type in Ottawa, ensuring you’re neither underinsured nor paying for unnecessary protection.
Understanding what affects your premium can help you make informed decisions about your coverage. Here are the key factors that influence small business insurance costs in Ottawa:
At SIG, we’ll work with you to identify cost-saving opportunities without compromising on essential coverage. Our goal is to find the sweet spot between comprehensive protection and affordability.
Selecting the right insurance partner is just as important as choosing the right coverage. Here’s what to look for when evaluating small business insurance providers in Ottawa:
“After comparing several providers, we chose SIG for our retail business insurance. Their attention to detail in explaining our coverage options and finding ways to save us money while maintaining comprehensive protection made all the difference. Three years later, we couldn’t be happier with our choice.”
At SIG, we pride ourselves on meeting all these criteria and more. Our dedicated small business specialists take the time to understand your unique needs and design protection that truly works for you.
When the unexpected happens, knowing how to navigate the claims process can make all the difference in getting back to business quickly. Here’s our streamlined approach to claims:
Visit our claims page for instructions on how to proceed.
Gather photos, videos, witness statements, police reports (if applicable), and any other evidence related to the incident.
Your SIG advisor will guide you through completing all necessary paperwork accurately to avoid delays.
An adjuster may inspect damages or review documentation to evaluate your claim and determine coverage.
Once approved, we work to process your payment quickly so you can repair damages, replace equipment, or address other covered losses.
Throughout the entire process, your SIG advisor serves as your advocate, ensuring your claim receives the attention it deserves and helping you maximize your coverage benefits.
Our claims satisfaction rate of 96% reflects our commitment to fair, efficient resolution when our clients need us most.
Certain types of insurance are mandatory in Ottawa, particularly if you have employees. Workers’ compensation is typically required by law for businesses with employees. Commercial auto insurance is necessary for company vehicles. Beyond legal requirements, many contracts and commercial leases will require general liability coverage as a condition of doing business.
Costs vary widely based on business type, size, location within Ottawa, coverage needs, and risk factors. A small retail store might pay $500-1,500 annually for basic general liability, while professional services firms might pay $1,000-3,000 for professional liability coverage. The best way to get an accurate estimate is to request a personalized quote.
Yes! Many small businesses in Ottawa benefit from Business Owner’s Policies (BOPs), which combine general liability and property insurance at a discounted rate. At SIG, we can create custom packages that include additional coverages like cyber liability or professional liability while maximizing your savings.
Several strategies can help reduce costs without sacrificing protection:
In many cases, SIG can provide same-day coverage for small businesses in Ottawa. For more complex businesses or those with specialized needs, the process might take 2-3 days as we work to secure the best possible coverage and rates from our insurance partners.
Don’t leave your business vulnerable to unexpected risks. Our small business insurance specialists are ready to create your customized protection plan.
📞 Call Us: 1-416-628-3101
SIG is here to safeguard what matters most — offering individuals and businesses the coverage they need to feel secure and confident in the future.
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