Business Insurance
One lawsuit or one fire shouldn't end the business you built. Sunny designs commercial packages around your actual operations, then shops 60+ markets, including ones that welcome contractors and trades other brokers shy away from.
What's Covered
Commercial General Liability (CGL)
The foundation of every business policy, bodily injury, property damage and completed operations, at limits your contracts demand ($2M–$5M).
Commercial Property
Buildings, equipment, stock and tenant improvements, insured to proper replacement values.
Professional Liability (E&O)
For consultants, designers and service businesses whose advice clients rely on.
Business Interruption
Lost income and extra expenses when a claim shuts you down temporarily.
Cyber Liability
Breach response, ransomware and privacy liability for businesses that hold client data.
Contractor Packages
Tools, installation floaters and job-site liability built for trades, GCs and sub-trades.
What Ontario Drivers & Owners Should Know
Ontario general contractors and ICI trades are routinely asked for $5M liability limits and WSIB clearance certificates before stepping on site, your policy has to match your contracts. Construction, mechanical, electrical and fire-protection businesses are also among the hardest to place; Sunny works with markets that actually want this business, and reviews renewals 60–90 days out so you're never cornered.
Who this is for
- General contractors & sub-trades (framing, drywall, steel, insulation)
- Mechanical, electrical & fire-protection companies
- Retail, restaurant & office-based businesses
- Consultants and professional service firms
- Businesses whose renewal jumped or got non-renewed
Business Insurance: Common Questions
Most commercial contracts require $2M, and construction/ICI work commonly demands $5M. Sunny matches your limits to your contracts, too little risks the job, too much wastes premium.
A COI proves your coverage to clients and general contractors. Sunny issues them quickly, often same-day, because he knows a missing COI can hold up your job.
Yes, this is a specialty. Sunny shops harder-to-place risks across standard and specialty markets and builds a plan to stabilize your program.
60–90 days before expiry. Commercial underwriting takes longer than personal lines, and early shopping is where the real savings happen.
Ready to get covered right?
Get a free, no-obligation quote shopped across 60+ insurance companies. One conversation could save you hundreds.