{"id":199,"date":"2025-11-12T20:12:07","date_gmt":"2025-11-12T20:12:07","guid":{"rendered":"https:\/\/ontariowest.ca\/simcoe\/simcoe\/?page_id=164"},"modified":"2026-01-16T19:39:24","modified_gmt":"2026-01-16T19:39:24","slug":"commercial-business-insurance","status":"publish","type":"page","link":"https:\/\/ontariowest.ca\/simcoe\/commercial-business-insurance\/","title":{"rendered":"Commercial &amp; Business Insurance"},"content":{"rendered":"<div class='breakdance'><section class=\"bde-section-199-168 bde-section decorative-bg\">\n  \n  \n\t\n\n\n\n<div class=\"section-container\"><div class=\"bde-post-loop-199-169 bde-post-loop\"><div class=\"bde-loop bde-loop-grid ee-posts ee-posts-grid\">    <article class=\"bde-loop-item ee-post\">\n        <div class='breakdance'><div class=\"bde-div-512-100-204-512-1 bde-div sub-page bde-div-512-100\">\n  \n  \n\t\n\n\n\n<img decoding=\"async\" class=\"bde-image2-512-101-204-512-1 bde-image2 bde-image2-512-101\" src=\"https:\/\/ontariowest.ca\/simcoe\/wp-content\/uploads\/sites\/5\/2025\/11\/simcoe.jpg\" loading=\"lazy\" srcset=\"https:\/\/ontariowest.ca\/simcoe\/wp-content\/uploads\/sites\/5\/2025\/11\/simcoe.jpg 1920w, https:\/\/ontariowest.ca\/simcoe\/wp-content\/uploads\/sites\/5\/2025\/11\/simcoe-300x122.jpg 300w, https:\/\/ontariowest.ca\/simcoe\/wp-content\/uploads\/sites\/5\/2025\/11\/simcoe-1024x415.jpg 1024w, https:\/\/ontariowest.ca\/simcoe\/wp-content\/uploads\/sites\/5\/2025\/11\/simcoe-768x312.jpg 768w, https:\/\/ontariowest.ca\/simcoe\/wp-content\/uploads\/sites\/5\/2025\/11\/simcoe-1536x623.jpg 1536w\" sizes=\"(max-width: 1920px) 100vw, 1920px\"><div class=\"bde-div-512-102-204-512-1 bde-div bde-div-512-102\">\n  \n  \n\t\n\n\n\n<h3 class=\"bde-heading-512-103-204-512-1 bde-heading bde-heading-512-103\">\nAbout Us\n<\/h3><div class=\"bde-button-512-104-204-512-1 bde-button bde-button-512-104\">\n    \n                                    \n    \n    \n    \n    \n            \n                    \n            \n            \n\n    \n    \n    \n    \n    \n    <a class=\"breakdance-link button-atom button-atom--primary bde-button__button\" href=\"https:\/\/ontariowest.ca\/simcoe\/about-us\/\" target=\"_self\" data-type=\"url\"  >\n\n    \n        <span class=\"button-atom__text\">Learn More<\/span>\n\n        \n        \n                <\/a>\n\n    \n\n\n<\/div>\n<\/div>\n<\/div><\/div>    <\/article>\n    <article class=\"bde-loop-item ee-post\">\n        <div class='breakdance'><div class=\"bde-div-512-100-722-512-1 bde-div sub-page bde-div-512-100\">\n  \n  \n\t\n\n\n\n<img decoding=\"async\" class=\"bde-image2-512-101-722-512-1 bde-image2 bde-image2-512-101\" src=\"https:\/\/ontariowest.ca\/simcoe\/wp-content\/uploads\/sites\/5\/2025\/12\/Home_Map_1920x779.jpg\" alt=\"Map of Ontario West locations\" loading=\"lazy\" srcset=\"https:\/\/ontariowest.ca\/simcoe\/wp-content\/uploads\/sites\/5\/2025\/12\/Home_Map_1920x779.jpg 1920w, https:\/\/ontariowest.ca\/simcoe\/wp-content\/uploads\/sites\/5\/2025\/12\/Home_Map_1920x779-300x122.jpg 300w, https:\/\/ontariowest.ca\/simcoe\/wp-content\/uploads\/sites\/5\/2025\/12\/Home_Map_1920x779-1024x415.jpg 1024w, https:\/\/ontariowest.ca\/simcoe\/wp-content\/uploads\/sites\/5\/2025\/12\/Home_Map_1920x779-768x312.jpg 768w, https:\/\/ontariowest.ca\/simcoe\/wp-content\/uploads\/sites\/5\/2025\/12\/Home_Map_1920x779-1536x623.jpg 1536w\" sizes=\"(max-width: 1920px) 100vw, 1920px\"><div class=\"bde-div-512-102-722-512-1 bde-div bde-div-512-102\">\n  \n  \n\t\n\n\n\n<h3 class=\"bde-heading-512-103-722-512-1 bde-heading bde-heading-512-103\">\nAreas Served\n<\/h3><div class=\"bde-button-512-104-722-512-1 bde-button bde-button-512-104\">\n    \n                                    \n    \n    \n    \n    \n            \n                    \n            \n            \n\n    \n    \n    \n    \n    \n    <a class=\"breakdance-link button-atom button-atom--primary bde-button__button\" href=\"https:\/\/ontariowest.ca\/simcoe\/areas-served\/\" target=\"_self\" data-type=\"url\"  >\n\n    \n        <span class=\"button-atom__text\">Learn More<\/span>\n\n        \n        \n                <\/a>\n\n    \n\n\n<\/div>\n<\/div>\n<\/div><\/div>    <\/article>\n    <article class=\"bde-loop-item ee-post\">\n        <div class='breakdance'><div class=\"bde-div-512-100-195-512-1 bde-div sub-page bde-div-512-100\">\n  \n  \n\t\n\n\n\n<img decoding=\"async\" class=\"bde-image2-512-101-195-512-1 bde-image2 bde-image2-512-101\" src=\"https:\/\/ontariowest.ca\/simcoe\/wp-content\/uploads\/sites\/5\/2025\/11\/hero-av.jpg\" loading=\"lazy\" srcset=\"https:\/\/ontariowest.ca\/simcoe\/wp-content\/uploads\/sites\/5\/2025\/11\/hero-av.jpg 1920w, https:\/\/ontariowest.ca\/simcoe\/wp-content\/uploads\/sites\/5\/2025\/11\/hero-av-300x122.jpg 300w, https:\/\/ontariowest.ca\/simcoe\/wp-content\/uploads\/sites\/5\/2025\/11\/hero-av-1024x415.jpg 1024w, https:\/\/ontariowest.ca\/simcoe\/wp-content\/uploads\/sites\/5\/2025\/11\/hero-av-768x312.jpg 768w, https:\/\/ontariowest.ca\/simcoe\/wp-content\/uploads\/sites\/5\/2025\/11\/hero-av-1536x623.jpg 1536w\" sizes=\"(max-width: 1920px) 100vw, 1920px\"><div class=\"bde-div-512-102-195-512-1 bde-div bde-div-512-102\">\n  \n  \n\t\n\n\n\n<h3 class=\"bde-heading-512-103-195-512-1 bde-heading bde-heading-512-103\">\nAuto &amp; Vehicle Insurance\n<\/h3><div class=\"bde-button-512-104-195-512-1 bde-button bde-button-512-104\">\n    \n                                    \n    \n    \n    \n    \n            \n                    \n            \n            \n\n    \n    \n    \n    \n    \n    <a class=\"breakdance-link button-atom button-atom--primary bde-button__button\" href=\"https:\/\/ontariowest.ca\/simcoe\/auto-vehicle-insurance\/\" target=\"_self\" data-type=\"url\"  >\n\n    \n        <span class=\"button-atom__text\">Learn More<\/span>\n\n        \n        \n                <\/a>\n\n    \n\n\n<\/div>\n<\/div>\n<\/div><\/div>    <\/article>\n    <article class=\"bde-loop-item ee-post\">\n        <div class='breakdance'><div class=\"bde-div-512-100-244-512-1 bde-div sub-page bde-div-512-100\">\n  \n  \n\t\n\n\n\n<img decoding=\"async\" class=\"bde-image2-512-101-244-512-1 bde-image2 bde-image2-512-101\" src=\"https:\/\/ontariowest.ca\/simcoe\/wp-content\/uploads\/sites\/5\/2025\/11\/br-hero.jpg\" loading=\"lazy\" srcset=\"https:\/\/ontariowest.ca\/simcoe\/wp-content\/uploads\/sites\/5\/2025\/11\/br-hero.jpg 1920w, https:\/\/ontariowest.ca\/simcoe\/wp-content\/uploads\/sites\/5\/2025\/11\/br-hero-300x122.jpg 300w, https:\/\/ontariowest.ca\/simcoe\/wp-content\/uploads\/sites\/5\/2025\/11\/br-hero-1024x415.jpg 1024w, https:\/\/ontariowest.ca\/simcoe\/wp-content\/uploads\/sites\/5\/2025\/11\/br-hero-768x312.jpg 768w, https:\/\/ontariowest.ca\/simcoe\/wp-content\/uploads\/sites\/5\/2025\/11\/br-hero-1536x623.jpg 1536w\" sizes=\"(max-width: 1920px) 100vw, 1920px\"><div class=\"bde-div-512-102-244-512-1 bde-div bde-div-512-102\">\n  \n  \n\t\n\n\n\n<h3 class=\"bde-heading-512-103-244-512-1 bde-heading bde-heading-512-103\">\nBuilders\u2019 Risk Insurance\n<\/h3><div class=\"bde-button-512-104-244-512-1 bde-button bde-button-512-104\">\n    \n                                    \n    \n    \n    \n    \n            \n                    \n            \n            \n\n    \n    \n    \n    \n    \n    <a class=\"breakdance-link button-atom button-atom--primary bde-button__button\" href=\"https:\/\/ontariowest.ca\/simcoe\/commercial-business-insurance\/builders-risk-insurance\/\" target=\"_self\" data-type=\"url\"  >\n\n    \n        <span class=\"button-atom__text\">Learn More<\/span>\n\n        \n        \n                <\/a>\n\n    \n\n\n<\/div>\n<\/div>\n<\/div><\/div>    <\/article>\n    <article class=\"bde-loop-item ee-post\">\n        <div class='breakdance'><div class=\"bde-div-512-100-199-512-1 bde-div sub-page bde-div-512-100\">\n  \n  \n\t\n\n\n\n<img decoding=\"async\" class=\"bde-image2-512-101-199-512-1 bde-image2 bde-image2-512-101\" src=\"https:\/\/ontariowest.ca\/simcoe\/wp-content\/uploads\/sites\/5\/2025\/11\/cb-hero.jpg\" loading=\"lazy\" srcset=\"https:\/\/ontariowest.ca\/simcoe\/wp-content\/uploads\/sites\/5\/2025\/11\/cb-hero.jpg 1920w, https:\/\/ontariowest.ca\/simcoe\/wp-content\/uploads\/sites\/5\/2025\/11\/cb-hero-300x122.jpg 300w, https:\/\/ontariowest.ca\/simcoe\/wp-content\/uploads\/sites\/5\/2025\/11\/cb-hero-1024x415.jpg 1024w, https:\/\/ontariowest.ca\/simcoe\/wp-content\/uploads\/sites\/5\/2025\/11\/cb-hero-768x312.jpg 768w, https:\/\/ontariowest.ca\/simcoe\/wp-content\/uploads\/sites\/5\/2025\/11\/cb-hero-1536x623.jpg 1536w\" sizes=\"(max-width: 1920px) 100vw, 1920px\"><div class=\"bde-div-512-102-199-512-1 bde-div bde-div-512-102\">\n  \n  \n\t\n\n\n\n<h3 class=\"bde-heading-512-103-199-512-1 bde-heading bde-heading-512-103\">\nCommercial &amp; Business Insurance\n<\/h3><div class=\"bde-button-512-104-199-512-1 bde-button bde-button-512-104\">\n    \n                                    \n    \n    \n    \n    \n            \n                    \n            \n            \n\n    \n    \n    \n    \n    \n    <a class=\"breakdance-link button-atom button-atom--primary bde-button__button\" href=\"https:\/\/ontariowest.ca\/simcoe\/commercial-business-insurance\/\" target=\"_self\" data-type=\"url\"  >\n\n    \n        <span class=\"button-atom__text\">Learn More<\/span>\n\n        \n        \n                <\/a>\n\n    \n\n\n<\/div>\n<\/div>\n<\/div><\/div>    <\/article>\n    <article class=\"bde-loop-item ee-post\">\n        <div class='breakdance'><div class=\"bde-div-512-100-242-512-1 bde-div sub-page bde-div-512-100\">\n  \n  \n\t\n\n\n\n<img decoding=\"async\" class=\"bde-image2-512-101-242-512-1 bde-image2 bde-image2-512-101\" src=\"https:\/\/ontariowest.ca\/simcoe\/wp-content\/uploads\/sites\/5\/2025\/11\/cai-hero.jpg\" loading=\"lazy\" srcset=\"https:\/\/ontariowest.ca\/simcoe\/wp-content\/uploads\/sites\/5\/2025\/11\/cai-hero.jpg 1920w, https:\/\/ontariowest.ca\/simcoe\/wp-content\/uploads\/sites\/5\/2025\/11\/cai-hero-300x122.jpg 300w, https:\/\/ontariowest.ca\/simcoe\/wp-content\/uploads\/sites\/5\/2025\/11\/cai-hero-1024x415.jpg 1024w, https:\/\/ontariowest.ca\/simcoe\/wp-content\/uploads\/sites\/5\/2025\/11\/cai-hero-768x312.jpg 768w, https:\/\/ontariowest.ca\/simcoe\/wp-content\/uploads\/sites\/5\/2025\/11\/cai-hero-1536x623.jpg 1536w\" sizes=\"(max-width: 1920px) 100vw, 1920px\"><div class=\"bde-div-512-102-242-512-1 bde-div bde-div-512-102\">\n  \n  \n\t\n\n\n\n<h3 class=\"bde-heading-512-103-242-512-1 bde-heading bde-heading-512-103\">\nCommercial Auto Insurance\n<\/h3><div class=\"bde-button-512-104-242-512-1 bde-button bde-button-512-104\">\n    \n                                    \n    \n    \n    \n    \n            \n                    \n            \n            \n\n    \n    \n    \n    \n    \n    <a class=\"breakdance-link button-atom button-atom--primary bde-button__button\" href=\"https:\/\/ontariowest.ca\/simcoe\/commercial-business-insurance\/commercial-auto-insurance\/\" target=\"_self\" data-type=\"url\"  >\n\n    \n        <span class=\"button-atom__text\">Learn More<\/span>\n\n        \n        \n                <\/a>\n\n    \n\n\n<\/div>\n<\/div>\n<\/div><\/div>    <\/article>\n    <article class=\"bde-loop-item ee-post\">\n        <div class='breakdance'><div class=\"bde-div-512-100-270-512-1 bde-div sub-page bde-div-512-100\">\n  \n  \n\t\n\n\n\n<img decoding=\"async\" class=\"bde-image2-512-101-270-512-1 bde-image2 bde-image2-512-101\" src=\"https:\/\/ontariowest.ca\/simcoe\/wp-content\/uploads\/sites\/5\/2025\/11\/comm-hero.png\" loading=\"lazy\" srcset=\"https:\/\/ontariowest.ca\/simcoe\/wp-content\/uploads\/sites\/5\/2025\/11\/comm-hero.png 1920w, https:\/\/ontariowest.ca\/simcoe\/wp-content\/uploads\/sites\/5\/2025\/11\/comm-hero-300x122.png 300w, https:\/\/ontariowest.ca\/simcoe\/wp-content\/uploads\/sites\/5\/2025\/11\/comm-hero-1024x415.png 1024w, https:\/\/ontariowest.ca\/simcoe\/wp-content\/uploads\/sites\/5\/2025\/11\/comm-hero-768x312.png 768w, https:\/\/ontariowest.ca\/simcoe\/wp-content\/uploads\/sites\/5\/2025\/11\/comm-hero-1536x623.png 1536w\" sizes=\"(max-width: 1920px) 100vw, 1920px\"><div class=\"bde-div-512-102-270-512-1 bde-div bde-div-512-102\">\n  \n  \n\t\n\n\n\n<h3 class=\"bde-heading-512-103-270-512-1 bde-heading bde-heading-512-103\">\nCommunity\n<\/h3><div class=\"bde-button-512-104-270-512-1 bde-button bde-button-512-104\">\n    \n                                    \n    \n    \n    \n    \n            \n                    \n            \n            \n\n    \n    \n    \n    \n    \n    <a class=\"breakdance-link button-atom button-atom--primary bde-button__button\" href=\"https:\/\/ontariowest.ca\/simcoe\/community\/\" target=\"_self\" data-type=\"url\"  >\n\n    \n        <span class=\"button-atom__text\">Learn More<\/span>\n\n        \n        \n                <\/a>\n\n    \n\n\n<\/div>\n<\/div>\n<\/div><\/div>    <\/article>\n    <article class=\"bde-loop-item ee-post\">\n        <div class='breakdance'><div class=\"bde-div-512-100-233-512-1 bde-div sub-page bde-div-512-100\">\n  \n  \n\t\n\n\n\n<img decoding=\"async\" class=\"bde-image2-512-101-233-512-1 bde-image2 bde-image2-512-101\" src=\"https:\/\/ontariowest.ca\/simcoe\/wp-content\/uploads\/sites\/5\/2025\/11\/ci-hero.jpg\" loading=\"lazy\" srcset=\"https:\/\/ontariowest.ca\/simcoe\/wp-content\/uploads\/sites\/5\/2025\/11\/ci-hero.jpg 1920w, https:\/\/ontariowest.ca\/simcoe\/wp-content\/uploads\/sites\/5\/2025\/11\/ci-hero-300x122.jpg 300w, https:\/\/ontariowest.ca\/simcoe\/wp-content\/uploads\/sites\/5\/2025\/11\/ci-hero-1024x415.jpg 1024w, https:\/\/ontariowest.ca\/simcoe\/wp-content\/uploads\/sites\/5\/2025\/11\/ci-hero-768x312.jpg 768w, https:\/\/ontariowest.ca\/simcoe\/wp-content\/uploads\/sites\/5\/2025\/11\/ci-hero-1536x623.jpg 1536w\" sizes=\"(max-width: 1920px) 100vw, 1920px\"><div class=\"bde-div-512-102-233-512-1 bde-div bde-div-512-102\">\n  \n  \n\t\n\n\n\n<h3 class=\"bde-heading-512-103-233-512-1 bde-heading bde-heading-512-103\">\nContractor Insurance\n<\/h3><div class=\"bde-button-512-104-233-512-1 bde-button bde-button-512-104\">\n    \n                                    \n    \n    \n    \n    \n            \n                    \n            \n            \n\n    \n    \n    \n    \n    \n    <a class=\"breakdance-link button-atom button-atom--primary bde-button__button\" href=\"https:\/\/ontariowest.ca\/simcoe\/commercial-business-insurance\/contractor-insurance\/\" target=\"_self\" data-type=\"url\"  >\n\n    \n        <span class=\"button-atom__text\">Learn More<\/span>\n\n        \n        \n                <\/a>\n\n    \n\n\n<\/div>\n<\/div>\n<\/div><\/div>    <\/article>\n<\/div>\r\n<\/div><\/div>\n<\/section><section id=\"faqs\" class=\"bde-section-199-100 bde-section faqs\">\n  \n  \n\t\n\n\n\n<div class=\"section-container\"><div class=\"bde-columns-199-101 bde-columns\"><div class=\"bde-column-199-102 bde-column\">\n  \n  \n\t\n\n\n\n<img decoding=\"async\" class=\"bde-image2-199-103 bde-image2\" src=\"https:\/\/ontariowest.ca\/simcoe\/wp-content\/uploads\/2025\/11\/faqs.svg\" loading=\"lazy\">\n<\/div><div class=\"bde-column-199-104 bde-column\">\n  \n  \n\t\n\n\n\n<h2 class=\"bde-heading-199-105 bde-heading\">\nFrequently Asked Questions\n<\/h2><p class=\"bde-text-199-106 bde-text\">\nIf you are still interested in learning more about Commercial &amp; Business Insurance, click below to read our answers to frequently asked questions.\n<\/p>\n<\/div><\/div><div class=\"bde-frequently-asked-questions-199-167 bde-frequently-asked-questions\">\n      <div class=\"bde-faq__item\">\n      <h3 class=\"bde-faq__title-tag\">\n       <button id=\"bde-faq-167-button-1\" aria-expanded=\"false\" aria-controls=\"bde-faq-167-1\" class=\"bde-faq__question js-faq-item\">\n          <span class=\"bde-faq__title\">What does a commercial insurance policy cover?<\/span>\n                           <div aria-hidden=\"true\" class=\"bde-faq__icon bde-faq__icon--inactive\">\n                                <svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" xmlns:xlink=\"http:\/\/www.w3.org\/1999\/xlink\" aria-hidden=\"true\" role=\"img\" class=\"iconify iconify--ph\" width=\"100%\" height=\"100%\" preserveAspectRatio=\"xMidYMid meet\" viewBox=\"0 0 256 256\"><path fill=\"currentColor\" d=\"M224 128a8 8 0 0 1-8 8h-80v80a8 8 0 0 1-16 0v-80H40a8 8 0 0 1 0-16h80V40a8 8 0 0 1 16 0v80h80a8 8 0 0 1 8 8\"\/><\/svg>\n                            <\/div>\n         \t  <div aria-hidden=\"true\" class=\"bde-faq__icon bde-faq__icon--active\">\n                                <svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" xmlns:xlink=\"http:\/\/www.w3.org\/1999\/xlink\" aria-hidden=\"true\" role=\"img\" class=\"iconify iconify--ph\" width=\"100%\" height=\"100%\" preserveAspectRatio=\"xMidYMid meet\" viewBox=\"0 0 256 256\"><path fill=\"currentColor\" d=\"M224 128a8 8 0 0 1-8 8H40a8 8 0 0 1 0-16h176a8 8 0 0 1 8 8\"\/><\/svg>\n                            <\/div>\n                  <\/button>\n      <\/h3>\n      <div role=\"region\" aria-labelledby=\"bde-faq-167-button-1\" id=\"bde-faq-167-1\" class=\"bde-faq__answer\">\n        <div class=\"bde-faq__answer-content\">\n            <div class=\"breakdance-rich-text-styles\"><p>Commercial policies are designed to protect businesses against property, equipment, business interruption, crime, general liability, cyber attack, and other losses. An Ontario West insurance broker can help design a package of coverage that fits the needs and risk management requirements of a wide variety of small to medium-sized businesses.<\/p><\/div>\n\n                    <\/div>\n      <\/div>\n    <\/div>\n      <div class=\"bde-faq__item\">\n      <h3 class=\"bde-faq__title-tag\">\n       <button id=\"bde-faq-167-button-2\" aria-expanded=\"false\" aria-controls=\"bde-faq-167-2\" class=\"bde-faq__question js-faq-item\">\n          <span class=\"bde-faq__title\">What isn\u2019t covered by commercial insurance?<\/span>\n                           <div aria-hidden=\"true\" class=\"bde-faq__icon bde-faq__icon--inactive\">\n                                <svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" xmlns:xlink=\"http:\/\/www.w3.org\/1999\/xlink\" aria-hidden=\"true\" role=\"img\" class=\"iconify iconify--ph\" width=\"100%\" height=\"100%\" preserveAspectRatio=\"xMidYMid meet\" viewBox=\"0 0 256 256\"><path fill=\"currentColor\" d=\"M224 128a8 8 0 0 1-8 8h-80v80a8 8 0 0 1-16 0v-80H40a8 8 0 0 1 0-16h80V40a8 8 0 0 1 16 0v80h80a8 8 0 0 1 8 8\"\/><\/svg>\n                            <\/div>\n         \t  <div aria-hidden=\"true\" class=\"bde-faq__icon bde-faq__icon--active\">\n                                <svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" xmlns:xlink=\"http:\/\/www.w3.org\/1999\/xlink\" aria-hidden=\"true\" role=\"img\" class=\"iconify iconify--ph\" width=\"100%\" height=\"100%\" preserveAspectRatio=\"xMidYMid meet\" viewBox=\"0 0 256 256\"><path fill=\"currentColor\" d=\"M224 128a8 8 0 0 1-8 8H40a8 8 0 0 1 0-16h176a8 8 0 0 1 8 8\"\/><\/svg>\n                            <\/div>\n                  <\/button>\n      <\/h3>\n      <div role=\"region\" aria-labelledby=\"bde-faq-167-button-2\" id=\"bde-faq-167-2\" class=\"bde-faq__answer\">\n        <div class=\"bde-faq__answer-content\">\n            <div class=\"breakdance-rich-text-styles\"><p>Each commercial policy will have its own specific wordings and exclusions. Most policies exclude property coverage for wear and tear or losses due to war or nuclear events. It is recommended that you review the exclusion section of your policy. An Ontario West or Bill Blaney insurance broker will be pleased to review your policy\u2019s exclusions with you.<\/p><\/div>\n\n                    <\/div>\n      <\/div>\n    <\/div>\n      <div class=\"bde-faq__item\">\n      <h3 class=\"bde-faq__title-tag\">\n       <button id=\"bde-faq-167-button-3\" aria-expanded=\"false\" aria-controls=\"bde-faq-167-3\" class=\"bde-faq__question js-faq-item\">\n          <span class=\"bde-faq__title\">Is commercial insurance mandatory in Ontario?<\/span>\n                           <div aria-hidden=\"true\" class=\"bde-faq__icon bde-faq__icon--inactive\">\n                                <svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" xmlns:xlink=\"http:\/\/www.w3.org\/1999\/xlink\" aria-hidden=\"true\" role=\"img\" class=\"iconify iconify--ph\" width=\"100%\" height=\"100%\" preserveAspectRatio=\"xMidYMid meet\" viewBox=\"0 0 256 256\"><path fill=\"currentColor\" d=\"M224 128a8 8 0 0 1-8 8h-80v80a8 8 0 0 1-16 0v-80H40a8 8 0 0 1 0-16h80V40a8 8 0 0 1 16 0v80h80a8 8 0 0 1 8 8\"\/><\/svg>\n                            <\/div>\n         \t  <div aria-hidden=\"true\" class=\"bde-faq__icon bde-faq__icon--active\">\n                                <svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" xmlns:xlink=\"http:\/\/www.w3.org\/1999\/xlink\" aria-hidden=\"true\" role=\"img\" class=\"iconify iconify--ph\" width=\"100%\" height=\"100%\" preserveAspectRatio=\"xMidYMid meet\" viewBox=\"0 0 256 256\"><path fill=\"currentColor\" d=\"M224 128a8 8 0 0 1-8 8H40a8 8 0 0 1 0-16h176a8 8 0 0 1 8 8\"\/><\/svg>\n                            <\/div>\n                  <\/button>\n      <\/h3>\n      <div role=\"region\" aria-labelledby=\"bde-faq-167-button-3\" id=\"bde-faq-167-3\" class=\"bde-faq__answer\">\n        <div class=\"bde-faq__answer-content\">\n            <div class=\"breakdance-rich-text-styles\"><p>Commercial business insurance is not mandatory for you to operate your business; however, it may be required by your lenders, vendors, or customers. Any business can be sued so at minimum a Commercial General Liability policy, which may offer protection against court awards as well as provide legal defence, is recommended. An Ontario West or Bill Blaney insurance broker will be pleased to review this and other coverage options with you.<\/p><\/div>\n\n                    <\/div>\n      <\/div>\n    <\/div>\n      <div class=\"bde-faq__item\">\n      <h3 class=\"bde-faq__title-tag\">\n       <button id=\"bde-faq-167-button-4\" aria-expanded=\"false\" aria-controls=\"bde-faq-167-4\" class=\"bde-faq__question js-faq-item\">\n          <span class=\"bde-faq__title\">If I buy insurance, how fast can I provide proof to my general contractor, customer, lender, etc.?<\/span>\n                           <div aria-hidden=\"true\" class=\"bde-faq__icon bde-faq__icon--inactive\">\n                                <svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" xmlns:xlink=\"http:\/\/www.w3.org\/1999\/xlink\" aria-hidden=\"true\" role=\"img\" class=\"iconify iconify--ph\" width=\"100%\" height=\"100%\" preserveAspectRatio=\"xMidYMid meet\" viewBox=\"0 0 256 256\"><path fill=\"currentColor\" d=\"M224 128a8 8 0 0 1-8 8h-80v80a8 8 0 0 1-16 0v-80H40a8 8 0 0 1 0-16h80V40a8 8 0 0 1 16 0v80h80a8 8 0 0 1 8 8\"\/><\/svg>\n                            <\/div>\n         \t  <div aria-hidden=\"true\" class=\"bde-faq__icon bde-faq__icon--active\">\n                                <svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" xmlns:xlink=\"http:\/\/www.w3.org\/1999\/xlink\" aria-hidden=\"true\" role=\"img\" class=\"iconify iconify--ph\" width=\"100%\" height=\"100%\" preserveAspectRatio=\"xMidYMid meet\" viewBox=\"0 0 256 256\"><path fill=\"currentColor\" d=\"M224 128a8 8 0 0 1-8 8H40a8 8 0 0 1 0-16h176a8 8 0 0 1 8 8\"\/><\/svg>\n                            <\/div>\n                  <\/button>\n      <\/h3>\n      <div role=\"region\" aria-labelledby=\"bde-faq-167-button-4\" id=\"bde-faq-167-4\" class=\"bde-faq__answer\">\n        <div class=\"bde-faq__answer-content\">\n            <div class=\"breakdance-rich-text-styles\"><p>An Ontario West insurance broker can provide a Certificate of Insurance as soon as signed documents and payment are received. Once a policy is issued, we endeavour to provide certificates of insurance within four business hours of your request.<\/p><\/div>\n\n                    <\/div>\n      <\/div>\n    <\/div>\n      <div class=\"bde-faq__item\">\n      <h3 class=\"bde-faq__title-tag\">\n       <button id=\"bde-faq-167-button-5\" aria-expanded=\"false\" aria-controls=\"bde-faq-167-5\" class=\"bde-faq__question js-faq-item\">\n          <span class=\"bde-faq__title\">How will I know if I need commercial auto insurance?<\/span>\n                           <div aria-hidden=\"true\" class=\"bde-faq__icon bde-faq__icon--inactive\">\n                                <svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" xmlns:xlink=\"http:\/\/www.w3.org\/1999\/xlink\" aria-hidden=\"true\" role=\"img\" class=\"iconify iconify--ph\" width=\"100%\" height=\"100%\" preserveAspectRatio=\"xMidYMid meet\" viewBox=\"0 0 256 256\"><path fill=\"currentColor\" d=\"M224 128a8 8 0 0 1-8 8h-80v80a8 8 0 0 1-16 0v-80H40a8 8 0 0 1 0-16h80V40a8 8 0 0 1 16 0v80h80a8 8 0 0 1 8 8\"\/><\/svg>\n                            <\/div>\n         \t  <div aria-hidden=\"true\" class=\"bde-faq__icon bde-faq__icon--active\">\n                                <svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" xmlns:xlink=\"http:\/\/www.w3.org\/1999\/xlink\" aria-hidden=\"true\" role=\"img\" class=\"iconify iconify--ph\" width=\"100%\" height=\"100%\" preserveAspectRatio=\"xMidYMid meet\" viewBox=\"0 0 256 256\"><path fill=\"currentColor\" d=\"M224 128a8 8 0 0 1-8 8H40a8 8 0 0 1 0-16h176a8 8 0 0 1 8 8\"\/><\/svg>\n                            <\/div>\n                  <\/button>\n      <\/h3>\n      <div role=\"region\" aria-labelledby=\"bde-faq-167-button-5\" id=\"bde-faq-167-5\" class=\"bde-faq__answer\">\n        <div class=\"bde-faq__answer-content\">\n            <div class=\"breakdance-rich-text-styles\"><p>Any vehicle that is used to generate self-employed income should be rated commercially. Vehicles used to commute are considered personal use. An Ontario West insurance broker will be pleased to review your vehicle use to assess how it should be rated.<\/p><\/div>\n\n                    <\/div>\n      <\/div>\n    <\/div>\n      <div class=\"bde-faq__item\">\n      <h3 class=\"bde-faq__title-tag\">\n       <button id=\"bde-faq-167-button-6\" aria-expanded=\"false\" aria-controls=\"bde-faq-167-6\" class=\"bde-faq__question js-faq-item\">\n          <span class=\"bde-faq__title\">What if my vehicle is registered in my personal name but I use it for work?<\/span>\n                           <div aria-hidden=\"true\" class=\"bde-faq__icon bde-faq__icon--inactive\">\n                                <svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" xmlns:xlink=\"http:\/\/www.w3.org\/1999\/xlink\" aria-hidden=\"true\" role=\"img\" class=\"iconify iconify--ph\" width=\"100%\" height=\"100%\" preserveAspectRatio=\"xMidYMid meet\" viewBox=\"0 0 256 256\"><path fill=\"currentColor\" d=\"M224 128a8 8 0 0 1-8 8h-80v80a8 8 0 0 1-16 0v-80H40a8 8 0 0 1 0-16h80V40a8 8 0 0 1 16 0v80h80a8 8 0 0 1 8 8\"\/><\/svg>\n                            <\/div>\n         \t  <div aria-hidden=\"true\" class=\"bde-faq__icon bde-faq__icon--active\">\n                                <svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" xmlns:xlink=\"http:\/\/www.w3.org\/1999\/xlink\" aria-hidden=\"true\" role=\"img\" class=\"iconify iconify--ph\" width=\"100%\" height=\"100%\" preserveAspectRatio=\"xMidYMid meet\" viewBox=\"0 0 256 256\"><path fill=\"currentColor\" d=\"M224 128a8 8 0 0 1-8 8H40a8 8 0 0 1 0-16h176a8 8 0 0 1 8 8\"\/><\/svg>\n                            <\/div>\n                  <\/button>\n      <\/h3>\n      <div role=\"region\" aria-labelledby=\"bde-faq-167-button-6\" id=\"bde-faq-167-6\" class=\"bde-faq__answer\">\n        <div class=\"bde-faq__answer-content\">\n            <div class=\"breakdance-rich-text-styles\"><p>The registered owner does not affect the rating of the vehicle. Auto insurance policies are issued in the name of the vehicle owner but rated on the vehicle\u2019s use and who drives it. An Ontario West or Bill Blaney insurance broker will be pleased to review your vehicle use to assess how it should be rated.<\/p><\/div>\n\n                    <\/div>\n      <\/div>\n    <\/div>\n      <div class=\"bde-faq__item\">\n      <h3 class=\"bde-faq__title-tag\">\n       <button id=\"bde-faq-167-button-7\" aria-expanded=\"false\" aria-controls=\"bde-faq-167-7\" class=\"bde-faq__question js-faq-item\">\n          <span class=\"bde-faq__title\">Is commercial auto insurance more expensive than personal?<\/span>\n                           <div aria-hidden=\"true\" class=\"bde-faq__icon bde-faq__icon--inactive\">\n                                <svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" xmlns:xlink=\"http:\/\/www.w3.org\/1999\/xlink\" aria-hidden=\"true\" role=\"img\" class=\"iconify iconify--ph\" width=\"100%\" height=\"100%\" preserveAspectRatio=\"xMidYMid meet\" viewBox=\"0 0 256 256\"><path fill=\"currentColor\" d=\"M224 128a8 8 0 0 1-8 8h-80v80a8 8 0 0 1-16 0v-80H40a8 8 0 0 1 0-16h80V40a8 8 0 0 1 16 0v80h80a8 8 0 0 1 8 8\"\/><\/svg>\n                            <\/div>\n         \t  <div aria-hidden=\"true\" class=\"bde-faq__icon bde-faq__icon--active\">\n                                <svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" xmlns:xlink=\"http:\/\/www.w3.org\/1999\/xlink\" aria-hidden=\"true\" role=\"img\" class=\"iconify iconify--ph\" width=\"100%\" height=\"100%\" preserveAspectRatio=\"xMidYMid meet\" viewBox=\"0 0 256 256\"><path fill=\"currentColor\" d=\"M224 128a8 8 0 0 1-8 8H40a8 8 0 0 1 0-16h176a8 8 0 0 1 8 8\"\/><\/svg>\n                            <\/div>\n                  <\/button>\n      <\/h3>\n      <div role=\"region\" aria-labelledby=\"bde-faq-167-button-7\" id=\"bde-faq-167-7\" class=\"bde-faq__answer\">\n        <div class=\"bde-faq__answer-content\">\n            <div class=\"breakdance-rich-text-styles\"><p>The short answer is it depends. All auto insurance policies include rating factors that are based on how and where a vehicle is being used, the type of vehicle, and who is driving it. An electrician who visits one job site per day in a rural area may have a lower rate than a salesperson who travels to various clients each day in the GTA. An Ontario West or Bill Blaney insurance broker can assist in finding the best coverage and premium package for you and your vehicle.<\/p><\/div>\n\n                    <\/div>\n      <\/div>\n    <\/div>\n      <div class=\"bde-faq__item\">\n      <h3 class=\"bde-faq__title-tag\">\n       <button id=\"bde-faq-167-button-8\" aria-expanded=\"false\" aria-controls=\"bde-faq-167-8\" class=\"bde-faq__question js-faq-item\">\n          <span class=\"bde-faq__title\">Will my commercial auto insurance cover personal use?<\/span>\n                           <div aria-hidden=\"true\" class=\"bde-faq__icon bde-faq__icon--inactive\">\n                                <svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" xmlns:xlink=\"http:\/\/www.w3.org\/1999\/xlink\" aria-hidden=\"true\" role=\"img\" class=\"iconify iconify--ph\" width=\"100%\" height=\"100%\" preserveAspectRatio=\"xMidYMid meet\" viewBox=\"0 0 256 256\"><path fill=\"currentColor\" d=\"M224 128a8 8 0 0 1-8 8h-80v80a8 8 0 0 1-16 0v-80H40a8 8 0 0 1 0-16h80V40a8 8 0 0 1 16 0v80h80a8 8 0 0 1 8 8\"\/><\/svg>\n                            <\/div>\n         \t  <div aria-hidden=\"true\" class=\"bde-faq__icon bde-faq__icon--active\">\n                                <svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" xmlns:xlink=\"http:\/\/www.w3.org\/1999\/xlink\" aria-hidden=\"true\" role=\"img\" class=\"iconify iconify--ph\" width=\"100%\" height=\"100%\" preserveAspectRatio=\"xMidYMid meet\" viewBox=\"0 0 256 256\"><path fill=\"currentColor\" d=\"M224 128a8 8 0 0 1-8 8H40a8 8 0 0 1 0-16h176a8 8 0 0 1 8 8\"\/><\/svg>\n                            <\/div>\n                  <\/button>\n      <\/h3>\n      <div role=\"region\" aria-labelledby=\"bde-faq-167-button-8\" id=\"bde-faq-167-8\" class=\"bde-faq__answer\">\n        <div class=\"bde-faq__answer-content\">\n            <div class=\"breakdance-rich-text-styles\"><p>A commercially rated vehicle will include personal use as well. The estimated percentage of personal use must be declared on the Commercial Vehicle Supplement which forms part of the Auto Insurance application. An Ontario West or Bill Blaney insurance broker will review this with you when assisting you with your commercial auto insurance needs.<\/p><\/div>\n\n                    <\/div>\n      <\/div>\n    <\/div>\n      <div class=\"bde-faq__item\">\n      <h3 class=\"bde-faq__title-tag\">\n       <button id=\"bde-faq-167-button-9\" aria-expanded=\"false\" aria-controls=\"bde-faq-167-9\" class=\"bde-faq__question js-faq-item\">\n          <span class=\"bde-faq__title\">I am an Uber driver, do I need special auto insurance?<\/span>\n                           <div aria-hidden=\"true\" class=\"bde-faq__icon bde-faq__icon--inactive\">\n                                <svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" xmlns:xlink=\"http:\/\/www.w3.org\/1999\/xlink\" aria-hidden=\"true\" role=\"img\" class=\"iconify iconify--ph\" width=\"100%\" height=\"100%\" preserveAspectRatio=\"xMidYMid meet\" viewBox=\"0 0 256 256\"><path fill=\"currentColor\" d=\"M224 128a8 8 0 0 1-8 8h-80v80a8 8 0 0 1-16 0v-80H40a8 8 0 0 1 0-16h80V40a8 8 0 0 1 16 0v80h80a8 8 0 0 1 8 8\"\/><\/svg>\n                            <\/div>\n         \t  <div aria-hidden=\"true\" class=\"bde-faq__icon bde-faq__icon--active\">\n                                <svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" xmlns:xlink=\"http:\/\/www.w3.org\/1999\/xlink\" aria-hidden=\"true\" role=\"img\" class=\"iconify iconify--ph\" width=\"100%\" height=\"100%\" preserveAspectRatio=\"xMidYMid meet\" viewBox=\"0 0 256 256\"><path fill=\"currentColor\" d=\"M224 128a8 8 0 0 1-8 8H40a8 8 0 0 1 0-16h176a8 8 0 0 1 8 8\"\/><\/svg>\n                            <\/div>\n                  <\/button>\n      <\/h3>\n      <div role=\"region\" aria-labelledby=\"bde-faq-167-button-9\" id=\"bde-faq-167-9\" class=\"bde-faq__answer\">\n        <div class=\"bde-faq__answer-content\">\n            <div class=\"breakdance-rich-text-styles\"><p>If you use your personally rated vehicle to drive for Uber or Lyft, you must disclose this to your auto insurance provider. Many insurers will not write coverage for personal vehicles that are used in this way. The same applies to meal delivery, package delivery and other income-generating vehicle uses. An Ontario West or Bill Blaney insurance broker will be pleased to review your vehicle use with you and provide appropriate insurance options.<\/p><\/div>\n\n                    <\/div>\n      <\/div>\n    <\/div>\n      <div class=\"bde-faq__item\">\n      <h3 class=\"bde-faq__title-tag\">\n       <button id=\"bde-faq-167-button-10\" aria-expanded=\"false\" aria-controls=\"bde-faq-167-10\" class=\"bde-faq__question js-faq-item\">\n          <span class=\"bde-faq__title\">Are the tools I keep in my truck covered by my truck insurance if they are stolen?<\/span>\n                           <div aria-hidden=\"true\" class=\"bde-faq__icon bde-faq__icon--inactive\">\n                                <svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" xmlns:xlink=\"http:\/\/www.w3.org\/1999\/xlink\" aria-hidden=\"true\" role=\"img\" class=\"iconify iconify--ph\" width=\"100%\" height=\"100%\" preserveAspectRatio=\"xMidYMid meet\" viewBox=\"0 0 256 256\"><path fill=\"currentColor\" d=\"M224 128a8 8 0 0 1-8 8h-80v80a8 8 0 0 1-16 0v-80H40a8 8 0 0 1 0-16h80V40a8 8 0 0 1 16 0v80h80a8 8 0 0 1 8 8\"\/><\/svg>\n                            <\/div>\n         \t  <div aria-hidden=\"true\" class=\"bde-faq__icon bde-faq__icon--active\">\n                                <svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" xmlns:xlink=\"http:\/\/www.w3.org\/1999\/xlink\" aria-hidden=\"true\" role=\"img\" class=\"iconify iconify--ph\" width=\"100%\" height=\"100%\" preserveAspectRatio=\"xMidYMid meet\" viewBox=\"0 0 256 256\"><path fill=\"currentColor\" d=\"M224 128a8 8 0 0 1-8 8H40a8 8 0 0 1 0-16h176a8 8 0 0 1 8 8\"\/><\/svg>\n                            <\/div>\n                  <\/button>\n      <\/h3>\n      <div role=\"region\" aria-labelledby=\"bde-faq-167-button-10\" id=\"bde-faq-167-10\" class=\"bde-faq__answer\">\n        <div class=\"bde-faq__answer-content\">\n            <div class=\"breakdance-rich-text-styles\"><p>No they are not. Auto insurance policies do not cover theft of the contents of a vehicle. A commercial property policy can cover tools against theft. An Ontario West or Bill Blaney insurance broker can provide a quote for this and a variety of commercial property and liability coverage.<\/p><\/div>\n\n                    <\/div>\n      <\/div>\n    <\/div>\n      <div class=\"bde-faq__item\">\n      <h3 class=\"bde-faq__title-tag\">\n       <button id=\"bde-faq-167-button-11\" aria-expanded=\"false\" aria-controls=\"bde-faq-167-11\" class=\"bde-faq__question js-faq-item\">\n          <span class=\"bde-faq__title\">Do I really need Cyber coverage?<\/span>\n                           <div aria-hidden=\"true\" class=\"bde-faq__icon bde-faq__icon--inactive\">\n                                <svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" xmlns:xlink=\"http:\/\/www.w3.org\/1999\/xlink\" aria-hidden=\"true\" role=\"img\" class=\"iconify iconify--ph\" width=\"100%\" height=\"100%\" preserveAspectRatio=\"xMidYMid meet\" viewBox=\"0 0 256 256\"><path fill=\"currentColor\" d=\"M224 128a8 8 0 0 1-8 8h-80v80a8 8 0 0 1-16 0v-80H40a8 8 0 0 1 0-16h80V40a8 8 0 0 1 16 0v80h80a8 8 0 0 1 8 8\"\/><\/svg>\n                            <\/div>\n         \t  <div aria-hidden=\"true\" class=\"bde-faq__icon bde-faq__icon--active\">\n                                <svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" xmlns:xlink=\"http:\/\/www.w3.org\/1999\/xlink\" aria-hidden=\"true\" role=\"img\" class=\"iconify iconify--ph\" width=\"100%\" height=\"100%\" preserveAspectRatio=\"xMidYMid meet\" viewBox=\"0 0 256 256\"><path fill=\"currentColor\" d=\"M224 128a8 8 0 0 1-8 8H40a8 8 0 0 1 0-16h176a8 8 0 0 1 8 8\"\/><\/svg>\n                            <\/div>\n                  <\/button>\n      <\/h3>\n      <div role=\"region\" aria-labelledby=\"bde-faq-167-button-11\" id=\"bde-faq-167-11\" class=\"bde-faq__answer\">\n        <div class=\"bde-faq__answer-content\">\n            <div class=\"breakdance-rich-text-styles\"><p>Cyber attacks are on the rise in Canada. Often it is small businesses, contractors, etc. that are attacked because the perpetrators know these businesses don\u2019t have sophisticated cyber security in place. A wide variety of coverage is available depending on your risk level and appetite. An Ontario West or Bill Blaney insurance broker will be pleased to review your business's needs in this area.<\/p><\/div>\n\n                    <\/div>\n      <\/div>\n    <\/div>\n  \n<\/div><\/div>\n<\/section><div class=\"bde-globalblock-199-170 bde-globalblock\"><div class='breakdance'><\/div><\/div><\/div>","protected":false},"excerpt":{"rendered":"<p>About Us Learn More Areas Served Learn More Auto &amp; Vehicle Insurance Learn More Builders\u2019 Risk Insurance Learn More Commercial &amp; Business Insurance Learn More Commercial Auto Insurance Learn More Community Learn More Contractor Insurance Learn More Frequently Asked Questions If you are still interested in learning more about Commercial &amp; Business Insurance, click below [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":377,"parent":0,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"","meta":{"_acf_changed":false,"_breakdance_hide_in_design_set":false,"_breakdance_tags":"","footnotes":""},"class_list":["post-199","page","type-page","status-publish","has-post-thumbnail","hentry"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.2 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>Business Insurance in Simcoe | Ontario West Insurance Brokers<\/title>\n<meta name=\"description\" content=\"Comprehensive business insurance in Simcoe Ontario for small &amp; local companies. 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