Finding the right coverage for your business is now easier with competitive insurance solutions that are built to suit your needs.

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We got you. Sometimes you just want to talk to another human being to make sure all of your ducks are in a row. Give us a call, and we'll take care of you.

"Be fearless in the pursuit of what sets your soul on fire"


 


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Business Interruption Insurance

Business Contents

We take the time to listen and understand your business, and offer personalized business solutions. We have access to several insurance partners and we'll work to ensure you're getting the best bang for your buck. 

Have Questions?


We've got you covered.

Our licensed brokers have the experience and expertise to provide you with the right insurance solutions to best protect your investment and your wallet.

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Business interruption insurance is a type of insurance coverage that protects your revenue stream in the event your business is halted for some reason, such as a fire or other natural disaster.  This coverage could also covers operating expenses, a move to a temporary location, payroll, taxes and more.  It helps you during tough times to keep your business afloat.

This is the total value of your business belongings that would commonly include things such as furniture, computers, inventory, tools and equipment.  Keep in mind, any equipment maintained at the property would be included in this so that the insurance covers the cost of replacing them- getting you back on your feet quickly.

Auto Liability and General Liability

Liability auto insurance is mandatory in Canada; it covers damage to others and their vehicles if one of your drivers gets into an accident. General Liability insurance is the legal liability limit that an insurer will pay in the event of legal action taken against your company. Standard limits are $1 million-$2 million, but we can provide coverage up to $10 million if needed.

Our team of experienced brokers have the expertise to help guide you through the process of ensuring you and your business have the right coverage, at the best possible price.

What you'll need to get started.


We’ve listed a few common coverages below that will help you get prepared in order to move things along smoothly.  Of course, if you have any questions just ask – that’s what we’re here for.

We've got you covered.

Insurance that's

tailored to suit your needs

 


Whether you own or use a vehicle for business, are a delivery driver or have a commercial fleet of cars, we have the coverage to help protect and keep your business running smoothly.

The broker benefit.


We take the time to listen and understand your business, and offer personalized business solutions.







We have access to several insurance partners and we'll work to insure you're getting the best bang for your buck. 

Business Interruption Insurance

Auto Liability and General Liability

Business Contents

Liability auto insurance is mandatory in Canada; it covers damage to others and their vehicles if one of your drivers gets into an accident. General Liability insurance is the legal liability limit that an insurer will pay in the event of legal action taken against your company. Standard limits are $1 million-$2 million, but we can provide coverage up to $10 million if needed.

This is the total value of your business belongings that would commonly include things such as furniture, computers, inventory, tools and equipment.  Keep in mind, any equipment maintained at the property would be included in this so that the insurance covers the cost of replacing them- getting you back on your feet quickly.

Legal Liability

This is the legal liability limit that the insurance company will pay in the event of legal action taken against you. The classic example is a car accident in which you harm another driver or passenger in the other vehicle and are sued for catastrophic damages. Third-party liability is one of the three mandatory auto insurance types in Ontario. It includes accident benefits, third-party liability, and uninsured auto insurance. Common limits are $1 million-$2 million, but we can provide coverage up to $10 million if needed. 

Business interruption insurance is a type of insurance coverage that protects your revenue stream in the event your business is halted for some reason, such as a fire or other natural disaster.  This coverage could also covers operating expenses, a move to a temporary location, payroll, taxes and more.  It helps you during tough times to keep your business afloat.


What you'll need to get started.


We’ve listed a few common coverages below that will help you get prepared in order to move things along smoothly.  Of course, if you have any questions just ask – that’s what we’re here for.


We got you. Sometimes you just want to talk to another human being to make sure all of your ducks are in a row.  Give us a call, and we'll take care of you.

We're here for you.

1-855-943-0088

Give us a ring.

Have Questions?


We've got you covered.

Our licensed brokers have the experience and expertise to provide you with the right insurance solutions to best protect your investment and your wallet.

What does commercial auto insurance cover?

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What does commercial property insurance cover?

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How does liability coverage work?

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What is commercial property insurance and how does it work?

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"Be fearless in the pursuit of what sets your soul on fire"


 


Liability coverage protects you if legal action is taken against your business if something goes wrong. Even if your business isn't at fault, it's crucial to have insurance to pay for legal defence costs. You can generally expect to find these kinds of protection on a liability insurance policy:

  • Physical injury lawsuits.  
  • Property damage claims.
  • Financial loss due to errors or omissions made while providing services.
  • Financial losses that arise from failure to fulfill a contract.
  • In some cases, liability insurance can also cover physical or monetary damages caused by a product your company sells.

    Keep in mind that these protections are for third party liability claims, which means claims made by people who are not your employees.

How does liability coverage work?

Commercial auto insurance provides protection for any vehicle designated for business use against both property damage and liability. Whether you drive a vehicle that is for dedicated business use or drive a personal vehicle for businesses, it is important to have commercial auto insurance, as your vehicle will not be covered under a personal auto policy.  Several types of coverage may be included in your commercial auto policy and typical coverages that are available include: Auto accident liability, Medical payments, Physical damage and collision and Accidents involving uninsured motorists.

What does commercial auto insurance coverage cover?

As a business owner, you will need commercial auto insurance for any vehicle that your company uses for business purposes, has a commercial license plate or tag, or that is registered as a commercial auto. You may also need to get commercial auto insurance if your employees will be using vehicles in the course of doing business, whether making deliveries, driving people, transporting goods or running errands. 

Suppose you use your vehicle for any of the following functions. In that case, you should consider commercial insurance: 

  • Using the vehicle to carry equipment
  • Transporting goods
  • Hiring your vehicle out to tow other vehicles
  • Delivering any goods such as pizza or any form of wholesale or retail products
  • Transporting people as a chauffeur, limousine service or taxi service. 

Some situations and certain occupations may be covered under a personal auto policy but best to confirm with us.

Do I need commercial auto insurance?

Toot toot!

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You could be eligible for multi-policy discounts when you insure your commercial property as well as other business insurance solutions.

More policies.

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Don't just take our word for it that we're committed to customer satisfaction. Go ahead, ask Google.

More savings.

You could be eligible for multi-policy discounts when you insure your commercial property as well as other business insurance solutions.

More policies.

Over the past decade, Kristina has worked for a diverse range of insurance customers, providing VIP personal insurance services for large commercial clients, including physicians, lawyers, and other elite business professionals. As part of her transition to providing commercial insurance services, Kristina volunteered her expertise, taking on a prominent program coordinator position with the Insurance Brokerage Association of Waterloo Region’s Board of Directors. In 2013, Kristina began working with Jones DesLauriers Insurance Management Inc., where she managed both VIP and commercial accounts. As a registered Ontario insurance broker since 2010, a Canadian accredited insurance broker since 2012, and an accredited chartered insurance professional since 2017, Kristina is an expert at handling every aspect of the commercial insurance process for her clients. Kristina never misses an opportunity to add to her education and is currently completing the Canadian Risk Management Program.
Over the past decade, Kristina has worked for a diverse range of insurance customers, providing VIP personal insurance services for large commercial clients, including physicians, lawyers, and other elite business professionals. As part of her transition to providing commercial insurance services, Kristina volunteered her expertise, taking on a prominent program coordinator position with the Insurance Brokerage Association of Waterloo Region’s Board of Directors. In 2013, Kristina began working with Jones DesLauriers Insurance Management Inc., where she managed both VIP and commercial accounts. As a registered Ontario insurance broker since 2010, a Canadian accredited insurance broker since 2012, and an accredited chartered insurance professional since 2017, Kristina is an expert at handling every aspect of the commercial insurance process for her clients. Kristina never misses an opportunity to add to her education and is currently completing the Canadian Risk Management Program.

Don't just take our word for it. Ask Google.

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"I 100% recommend aha. Hands down one of the best companies I've trusted"


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"Had a great experience calling aha for the first time and will definitely be recommending it to all of my friends"


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"Affordable and easy cay insurance with great customer service. Would recommend to anyone."


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"Great service, patient and informative representatives, full marks"


Viraj M.


"Easy and can be done at your own convenience, anytime. Response to my questions was great. Best way to get insurance."


Mark R.


"Great service, quick easy and affordable too. The associates who helped me were both very nice and polite too. Really enjoyed my experience thank you!"


Alaina H.


"Had the smoothest insurance experience ever, it was quick, easy and I had my insurance set up in minutes."


Nicole M.


"I highly recommend this insurance company and if all their employees are like Andrea, their customer service is excellent!!"


Kathleen G.


"Best insurance by far."


Christina L.


"I am so happy to find a company like this to insure my first car...Amazingly quick customer service and great prices. 100% suggest them!!!"


Petra B.


"Excellent service and cheapest price I have ever got."


Ratheesh T.


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Van J.


"I completed my car insurance quote in just a few minutes - and then I could buy it right then and there. No talking to a broker. No fuss. No muss. Pretty cool really."


Gavin M.


"I 100% recommend aha. Hands down one of the best companies I've trusted"


Aditya P.


"Had a great experience calling aha for the first time and will definitely be recommending it to all of my friends"


Alexander A.


"Affordable and easy cay insurance with great customer service. Would recommend to anyone."


Tausif S.


"Great service, patient and informative representatives, full marks"


Viraj M.


"Easy and can be done at your own convenience, anytime. Response to my questions was great. Best way to get insurance."


Mark R.


"Great service, quick easy and affordable too. The associates who helped me were both very nice and polite too. Really enjoyed my experience thank you!"


Alaina H.


"Had the smoothest insurance experience ever, it was quick, easy and I had my insurance set up in minutes."


Nicole M.


"I highly recommend this insurance company and if all their employees are like Andrea, their customer service is excellent!!"


Kathleen G.


"Best insurance by far."


Christina L.


"I am so happy to find a company like this to insure my first car...Amazingly quick customer service and great prices. 100% suggest them!!!"


Petra B.


"Excellent service and cheapest price I have ever got."


Ratheesh T.


"Excellent!...progressive!...no more pen and paper...ALL ONLINE"


Van J.


"I completed my car insurance quote in just a few minutes - and then I could buy it right then and there. No talking to a broker. No fuss. No muss. Pretty cool really."


Gavin M.


Commercial Automobile Insurance

Property Insurance

Own a property? Have tenants?  Or perhaps you own a retail store or have gone digital and sell online.  Whatever the case may be, we have insurance that is tailored to suit your needs.

Liability Insurance

Liability insurance

Every business has its own unique set of risks. Whether running a small business, or in need of Errors and Emissions coverage, we'll help tailor the right package to suit your business needs.

Property Insurance

Own a property? Have tenants?  Or perhaps you own a retail store or have gone digital and sell online.  Whatever the case may be, we have insurance that is tailored to suit your needs.

Commercial Automobile Insurance

Whether you own or use a vehicle for business, are a delivery driver or have a commercial fleet of cars, we have the coverage to help protect and keep your business running smoothly.

Every business has its own unique set of risks. Whether running a small business, or in need of Errors and Emissions coverage, we have the right package to protect for your business needs.

This is the legal liability limit that the insurance company will pay in the event of legal action taken against you. The classic example is a car accident in which you harm another driver or passenger in the other vehicle and are sued for catastrophic damages. Third-party liability is one of the three mandatory auto insurance types in Ontario. It includes accident benefits, third-party liability, and uninsured auto insurance. Common limits are $1 million-$2 million, but we can provide coverage up to $10 million if needed. 

Collision Coverage

Collision coverage is the type of optional auto insurance that covers the cost of your repair bills if you damage your vehicle in an accident by hitting an object or another car. For example, if your car came into contact with a street sign or a tree: collision coverage would take care of the cost of repairing or replacing your vehicle.

Comprehensive coverage is optional insurance coverage that protects your vehicle against damage resulting from incidents (not accidents) when your vehicle is stationary. The list of non-collision related threats is extensive and considers events such as natural disasters like hail and wind to vandalism and theft or even falling objects. It is important to remember that medical expenses, legal fees, and income loss due to an accident are not covered by comprehensive coverage.

Comprehensive Coverage

Legal Liability

What is commercial property insurance?

Commercial property insurance protects you financially against unforeseen events occurring on or relating to your place of work (or your owned properties that generate revenue). It differs from a regular home insurance policy mainly in two ways. It generally protects a place of business instead of a person’s home and the coverage options are larger because workspaces are exposed to different risks on a daily, weekly, monthly, and seasonal basis. Commercial property insurance also places more of an emphasis on protecting a business’ revenue, whereas a personal property insurance policy usually emphasizes on rebuilding a structure if any damage should occur.

What does commercial  property insurance cover?

Great question. While this can differ depending on the types of coverage, you can generally expect to find these kinds of protection on a commercial property insurance policy: 

  • Premises liability insurance to protect you against workplace accidents. 
  • Contents insurance to protect everything you own inside the workspace.
  • Protection against physical damage to the workspace itself.

There are other kinds of commercial property insurance available, but they’re not all just for tenants. For example, owners of commercial properties that lease space to other companies might want commercial rent guarantee insurance to protect their income if a tenant company goes under without warning.

Collision Coverage

Collision coverage is the type of optional auto insurance that covers the cost of your repair bills if you damage your vehicle in an accident by hitting an object or another car. For example, if your car came into contact with a street sign or a tree: collision coverage would take care of the cost of repairing or replacing your vehicle.

Comprehensive Coverage

Comprehensive coverage is optional insurance coverage that protects your vehicle against damage resulting from incidents (not accidents) when your vehicle is stationary. The list of non-collision related threats is extensive and considers events such as natural disasters like hail and wind to vandalism and theft or even falling objects. It is important to remember that medical expenses, legal fees, and income loss due to an accident are not covered by comprehensive coverage.

4.8

4.8

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Business. Insurance. We get it.


Our team of experienced brokers have the expertise to help guide you through the process of ensuring you and your business have the right coverage, at the best possible price.

Business insurance that's tailored to suit your needs.


Hey, my name is Kristina. Let’s talk business.

You pride yourself on customer service, and so do we. We're here to help you get the insurance you need - and strive to make it as 'hassle free' as possible. In other words, we take care of as much of the 'insurancey stuff' as we can, so that you can focus on your business. If you've got questions about getting started, send me an email - if you're ready to get a quote, click on the start my quote button to get started.

Start my quoteLet's get in touch

Kristina Hillgartner

Director,

Commercial Programs

Business insurance. Made simple.

Business insurance. Made simple.

Business.

Insurance.

We get it.

Hey, my name is Kristina.

Let’s talk business.

You pride yourself on customer service, and so do we. We're here to help you get the insurance you need - and strive to make it as 'hassle free' as possible. In other words, we take care of as much of the 'insurancey stuff' as we can, so that you can focus on your business. If you've got questions about getting started, send me an email - if you're ready to get a quote, click on the start my quote button to get started.

Let's get in touchStart my quote

Kristina Hillgartner 

Director, Commercial Programs

Kristina Hillgartner

Director, Commercial Programs

About me