Business and Commercial Insurance



The success of a business, whether it’s a tiny enterprise run out of a basement or a large corporation, it is largely dependent on hard work and ingenuity.  However, no matter how industrious you are, one disaster can wipe out all your profits and even destroy your business.  The key to making sure that all the effort and money you have invested in a business doesn’t disappear when a disaster strikes in to protect it with the appropriate insurance.

Commercial Property/Liability

We offer products for businesses from contractors to realty, to manufacturing, wholesale, and retail.  Our products are comprehensive and flexible with options to meet the needs of businesses.

Types of business we offer coverage for:

  • Small Business including retail, wholesale and service
  • Churches & learning institutions
  • Non-profit organizations
  • Contractors
  • Freight Companies
  • Hi Tech
  • Health & Wellness
  • Manufacturing
  • Warehousing
  • Property Management
  • Commercial Automobile

Commercial Automobiles: We can offer coverage for various Commercial Automobiles ranging from single owner-operated artisan vehicles to large fleet operations.  As well, we insure garage automobile policies, which include repair garages, service stations and auto body repair.

Commercial Vehicles:  Some of the types of vehicle we insured; – Delivery – Artisan – Couriers – Dump Trucks – Long Haul – Salesperson vehicles – Private Busses.  If you do not see your area listed, please call as this is only a partial list.

What Types of Products are Available?

Special Insurance Coverage and Services for Businesses

Professional Errors & Omissions Liability Coverage

Directors & Officers Liability

Employment Practices Liabilty

Employee Dishonesty & Fidelity Bonds

Liability Insurance for Business 

Commercial General Liability (CGL): The coverage protects businesses from claims arising from alleged bodily injury, personal injury or property damage liability arising from your operations.  It includes protection for civil suits arising from services rendered, products sold or operations in general including coverage for accidents occurring in and around premises owned or occupied by the insured.  Coverage payments include judgements, attorney fees, court costs, or other related expenses.

General liability insurance covers the client for: “those sums that the insured becomes legally obligated to pay as compensatory damages resulting in “bodily injury” or “property damage” to which this insurance applies”.

Some of the causes of action out of which legal obligations for property damage, bodily injury and personal injury arise are as follows:

  • Negligence – Not only are people responsible for the intentional harm they cause, but their failure to act as a reasonable person would be expected to act in similar circumstances (i.e. “negligence”) will also give a rise to compensation.  Negligence, if it causes injury to another, can give rise to a liability suit under tort.  Negligence is always assessed having regard to the circumstances and to the standard of care which would reasonably be expected of a person in a similar  circumstances.  Everybody has a duty to ensure that their actions do not cause harm to others.
  • Gross Negligence: Between negligence and the intentional act there lies yet another, more serious type of negligence which is called gross negligence.  Gross negligence is any action or an omission in reckless disregard of the consequences to the safety of  or property of another. (depends on the circumstance whether it would be covered).
  • Absolute liability: A type of liability that arises from extremely dangerous operations.  An example would be in the use of explosives: A contractor would almost certainly be liable for damages caused by vibrations of the earth following an explosive detonation.  With absolute liability it is usually not necessary of a claimant to establish that the operation is dangerous.
  • Strict Liability: Usually uses when referring to Products coverages.  The liability that manufacturers and merchandisers may be subject to for defective products sold by them regardless of fault or negligence.  A claimant must prove that the product is defective and therefore unreasonably dangerous.
  • Vicarious Liability: When a person is held responsible for the tort of another even though the person being held responsible may not have done anything wrong.  This is often the case with employers who are held liable  for the damages caused by their employees.
  • Liability assumed by the insured under contract: refers to liability incurred when one promises to indemnify or hold harmless another.  It does not refer to liability that results from breach of contract, which is generally uninsurable.

The Utter Morris Insurance Brokers Limited Difference

You may think you want the cheapest insurance you can find, but realize you may not be getting everything you bargained for …

While most insurance products are similar in price and function, insurance providers are very different when it comes to structuring a policy that actually covers you.

There’s no such thing as a one-size-fits-all insurance policy when it comes to your business.

We’re your neighbors. We protect people we know and care about in Ontario, and that means we always look for ways to protect you better, including carefully choosing the insurance companies we represent to be both affordable and responsive.

Click on the quote request button now and let the professionals at Utter Morris Insurance Brokers Limited help you forge the strongest shield possible to help you protect the things you care about most.  Experience the Utter Morris Difference.