Compare business insurance providers

Compare Canadian commercial-insurance options for small business — online-quote insurtech (Zensurance, APOLLO, Foxquilt), direct writers, national broker networks, and wholesale cyber / E&O specialists. Distribution model, provincial reach, francophone service, and coverage strengths side by side.

Compare	ZE Zensurance Built in Canada	AI APOLLO Insurance Built in Canada	FO Foxquilt Built in Canada	TI TruShield Insurance Built in Canada	BR BrokerLink	HI HUB International	AJ Arthur J. Gallagher Canada	TD Insurance Business	FI Federated Insurance	Intact Insurance	Aviva Canada	WI Wawanesa Insurance Built in Canada	Desjardins Business Insurance Built in Canada	IF iA Financial Group Built in Canada	BC Beazley Canada	CU CFC Underwriting	Chubb Canada
Type	Self-service	Self-service	Self-service	Full-service	Bundled	Bundled	Bundled	Full-service	Bundled	Bundled	Bundled	Bundled	Full-service	Bundled	Bundled	Bundled	Bundled
Best for	Online quote — small business	Instant online — solo/microbiz	Instant online — solo/microbiz	Buy direct — no broker layer	Advised, multi-carrier shop	Advised, multi-carrier shop	Advised, multi-carrier shop	Buy direct — no broker layer	Specialty — bind via your broker	Specialty — bind via your broker	Specialty — bind via your broker	Specialty — bind via your broker	Buy direct — no broker layer	Specialty — bind via your broker	Specialty — bind via your broker	Specialty — bind via your broker	Specialty — bind via your broker
Price	All provinces · EN	All provinces · EN	All provinces · EN	All provinces · EN/FR	All provinces · EN/FR	All provinces · EN/FR	All provinces · EN/FR	All provinces · EN/FR	All provinces · EN/FR	All provinces · EN/FR	All provinces · EN/FR	All provinces · EN/FR	QC, ON, AB, BC, MB, SK, NB, NS, PE, NL · EN/FR	All provinces · EN/FR	All provinces · EN	All provinces · EN	All provinces · EN/FR
Key features	Online quote in ~5 min, premiums from ~$11/mo for microbiz 200+ industry-specific packages (trades, health, consulting, e-comm) Licensed broker channel — shops multiple carriers, not single-carrier	Fastest path to a bound policy — quote <1 min, buy in ~2 min Monthly billing, no cancellation fees — built for solo/seasonal Best fit for freelancers/micro where a broker call is overkill	Deep trades book — electricians, HVAC, plumbers, carpenters, handymen Rare single-policy US+Canada coverage for cross-border operators Self-serve online quote + portal, Markel/Lloyd's paper behind it	Direct-writer pricing — no broker commission in the premium Canadian-owned via Fairfax/Northbridge, claims handled in-house Online quote + phone advisors (1-844-429-9480) for professionals/trades/retail	Walk-in/local-branch advisor in most provinces — not a call centre Markets your risk across multiple carriers (not single-carrier) Best when your business won't fit an online quote engine	Industry-practice teams (construction, transport, tech, hospitality) One broker scales with you from SMB to enterprise — no re-broking P&C + group-benefits + retirement under one advisor	Best-fit once revenue/payroll exceeds ~$5M or risk is complex Deep in construction, hospitality, tech, real estate Bespoke risk-management/claims-advocacy, not transactional	One-call setup if you already hold TD business banking Stripped-down package — fast but not for specialty/complex classes Bilingual phone support, no broker layer	Industry packages: auto/equipment dealers, contractors, hospitality Dedicated rep relationship + risk-services consultation Long-tenured Canadian carrier, strong claims reputation	Carried by virtually every Canadian broker — easy to comparison-shop Broadest class-of-business appetite of the Canadian majors Largest domestic claims network	Comprehensive SMB package policies across most classes Stronger built-in cyber than most non-specialty carriers Carried by most national brokers — easy to comparison-shop	Member-owned mutual — no shareholder margin in the premium Most competitive in AB/SK/MB/BC; thinner appetite in the East Strong for farm, trades, and main-street property risks	True francophone-first service + claims (not translated EN) One relationship if you already bank with Desjardins business Cooperative model — surplus returns to members, QC market depth	Group/health benefits for the team (not GL/property cover) Bilingual; pairs benefits with owner life + retirement savings Quebec market depth for owner-operator financial planning	Beazley Breach Response — one of the original cyber claims practices Specialist tech/media E&O appetite most generalist carriers decline No direct channel — your broker places it	24/7 in-house cyber incident-response team (Response app) Proprietary attack-surface scanning bundled with every cyber policy Tech-fluent appetite for SaaS/dev shops/MSPs — no direct channel	Best fit once you've outgrown microbiz online quoting Management-liability suite (D&O, EPL) alongside cyber + E&O Strong financial rating for VC/board D&O requirements
Sign up	Sign up at Zensurance	Sign up at APOLLO Insurance	Sign up at Foxquilt	Sign up at TruShield Insurance	Sign up at BrokerLink	Sign up at HUB International	Sign up at Arthur J. Gallagher Canada	Sign up at TD Insurance Business	Sign up at Federated Insurance	Sign up at Intact Insurance	Sign up at Aviva Canada	Sign up at Wawanesa Insurance	Sign up at Desjardins Business Insurance	Sign up at iA Financial Group	Sign up at Beazley Canada	Sign up at CFC Underwriting	Sign up at Chubb Canada

Zensurance Built in Canada

Type: Self-service
Best for: Online quote — small business
Price: All provinces · EN
Key features: Online quote in ~5 min, premiums from ~$11/mo for microbiz
200+ industry-specific packages (trades, health, consulting, e-comm)
Licensed broker channel — shops multiple carriers, not single-carrier

APOLLO Insurance Built in Canada

Type: Self-service
Best for: Instant online — solo/microbiz
Price: All provinces · EN
Key features: Fastest path to a bound policy — quote <1 min, buy in ~2 min
Monthly billing, no cancellation fees — built for solo/seasonal
Best fit for freelancers/micro where a broker call is overkill

Foxquilt Built in Canada

Type: Self-service
Best for: Instant online — solo/microbiz
Price: All provinces · EN
Key features: Deep trades book — electricians, HVAC, plumbers, carpenters, handymen
Rare single-policy US+Canada coverage for cross-border operators
Self-serve online quote + portal, Markel/Lloyd's paper behind it

TruShield Insurance Built in Canada

Type: Full-service
Best for: Buy direct — no broker layer
Price: All provinces · EN/FR
Key features: Direct-writer pricing — no broker commission in the premium
Canadian-owned via Fairfax/Northbridge, claims handled in-house
Online quote + phone advisors (1-844-429-9480) for professionals/trades/retail

BrokerLink

Type: Bundled
Best for: Advised, multi-carrier shop
Price: All provinces · EN/FR
Key features: Walk-in/local-branch advisor in most provinces — not a call centre
Markets your risk across multiple carriers (not single-carrier)
Best when your business won't fit an online quote engine

HUB International

Type: Bundled
Best for: Advised, multi-carrier shop
Price: All provinces · EN/FR
Key features: Industry-practice teams (construction, transport, tech, hospitality)
One broker scales with you from SMB to enterprise — no re-broking
P&C + group-benefits + retirement under one advisor

Arthur J. Gallagher Canada

Type: Bundled
Best for: Advised, multi-carrier shop
Price: All provinces · EN/FR
Key features: Best-fit once revenue/payroll exceeds ~$5M or risk is complex
Deep in construction, hospitality, tech, real estate
Bespoke risk-management/claims-advocacy, not transactional

TD Insurance Business

Type: Full-service
Best for: Buy direct — no broker layer
Price: All provinces · EN/FR
Key features: One-call setup if you already hold TD business banking
Stripped-down package — fast but not for specialty/complex classes
Bilingual phone support, no broker layer

Federated Insurance

Type: Bundled
Best for: Specialty — bind via your broker
Price: All provinces · EN/FR
Key features: Industry packages: auto/equipment dealers, contractors, hospitality
Dedicated rep relationship + risk-services consultation
Long-tenured Canadian carrier, strong claims reputation

Intact Insurance

Type: Bundled
Best for: Specialty — bind via your broker
Price: All provinces · EN/FR
Key features: Carried by virtually every Canadian broker — easy to comparison-shop
Broadest class-of-business appetite of the Canadian majors
Largest domestic claims network

Aviva Canada

Type: Bundled
Best for: Specialty — bind via your broker
Price: All provinces · EN/FR
Key features: Comprehensive SMB package policies across most classes
Stronger built-in cyber than most non-specialty carriers
Carried by most national brokers — easy to comparison-shop

Wawanesa Insurance Built in Canada

Type: Bundled
Best for: Specialty — bind via your broker
Price: All provinces · EN/FR
Key features: Member-owned mutual — no shareholder margin in the premium
Most competitive in AB/SK/MB/BC; thinner appetite in the East
Strong for farm, trades, and main-street property risks

Desjardins Business Insurance Built in Canada

Type: Full-service
Best for: Buy direct — no broker layer
Price: QC, ON, AB, BC, MB, SK, NB, NS, PE, NL · EN/FR
Key features: True francophone-first service + claims (not translated EN)
One relationship if you already bank with Desjardins business
Cooperative model — surplus returns to members, QC market depth

iA Financial Group Built in Canada

Type: Bundled
Best for: Specialty — bind via your broker
Price: All provinces · EN/FR
Key features: Group/health benefits for the team (not GL/property cover)
Bilingual; pairs benefits with owner life + retirement savings
Quebec market depth for owner-operator financial planning

Beazley Canada

Type: Bundled
Best for: Specialty — bind via your broker
Price: All provinces · EN
Key features: Beazley Breach Response — one of the original cyber claims practices
Specialist tech/media E&O appetite most generalist carriers decline
No direct channel — your broker places it

CFC Underwriting

Type: Bundled
Best for: Specialty — bind via your broker
Price: All provinces · EN
Key features: 24/7 in-house cyber incident-response team (Response app)
Proprietary attack-surface scanning bundled with every cyber policy
Tech-fluent appetite for SaaS/dev shops/MSPs — no direct channel

Chubb Canada

Type: Bundled
Best for: Specialty — bind via your broker
Price: All provinces · EN/FR
Key features: Best fit once you've outgrown microbiz online quoting
Management-liability suite (D&O, EPL) alongside cyber + E&O
Strong financial rating for VC/board D&O requirements

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