Commercial Insurance for Ontario Businesses
Protect your operations with comprehensive commercial insurance from Tribal Custom Insurance. From property damage to liability and employee risk, we help businesses safeguard what matters most.
Tailored Coverage for Every Business
Our commercial insurance solutions are designed to meet the unique needs of business owners and community-led operations. Coverage options include:
Commercial General Liability
Commercial Property Insurance
Commercial Auto Insurance
Employee-Related Risk Coverage
Protecting What Powers Your Business
From local enterprises to First Nation community infrastructure, our commercial insurance solutions are built to safeguard the people, property, and progress that matter most. TCI offers tailored protection for businesses across Ontario—combining cultural awareness, trusted expertise, and comprehensive coverage.
“All Risk” Property Coverage
Broad protection against loss or damage to community-owned or managed assets.
Liability Protection
Coverage for events and spaces where accidents, injuries, or property damage may occur.
Extended Business Coverage
Protection for enterprises operating both inside and outside the community.
Additional Coverages Available
We offer flexible, scalable solutions based on your organization’s needs:
- Builders Risk
- Environmental Liability
- Crime & Theft
- Boiler & Machinery
- Legal Expense Insurance
- Commercial General Liability
- Professional Liability
Let us help you create a custom insurance plan that reflects the scope and goals of your business or community organisation.
Partnering with Canada’s trusted insurance companies.
Why Choose TCI for Commercial Insurance?
With over 30 years of experience and a strong commitment to Indigenous communities, TCI offers:
People-Focused Protection
We understand the impact insurance has on real people—your staff, clients, and community—and we build policies that protect what matters most.
Custom Coverage Options
From local shops to complex council infrastructure, we build policies around your needs.
Access to Trusted Insurers
We work with top Canadian carriers to provide competitive rates and reliable coverage.
Transparent Support
Long-Term Partnership
We believe in relationships, not transactions—supporting you long after the policy is in place.
Commercial Insurance
FAQs
Whether you’re new to insurance or comparing providers, we’re here to make things clear and simple.
What is covered under a commercial insurance policy?
A commercial insurance policy is designed to protect your business against a wide range of financial risks. At Tribal Custom Insurance, our commercial policies typically include property insurance for buildings and equipment, commercial general liability to protect against third-party injury or damage claims, and commercial auto coverage for business vehicles. Depending on your business type, additional coverage may include professional liability, crime insurance, builders risk, and business interruption insurance. TCI works closely with Ontario businesses and Indigenous organizations to customize coverage that aligns with your operations, assets, and community engagement.
Do you offer commercial insurance for Indigenous-owned startups or small businesses?
Yes, Tribal Custom Insurance proudly offers commercial insurance solutions tailored for Indigenous-owned startups and small businesses across Ontario. We understand that every business—whether it’s a community-run convenience store, a contracting company, or a home-based service provider—has unique needs and risks. Our team provides personalized coverage options including general liability, commercial property, and business interruption insurance. We also ensure that your policy is scalable, meaning it can grow and evolve with your business. Whether you’re just getting started or expanding, we’re here to support your success.
What types of businesses qualify for commercial auto insurance?
Commercial auto insurance is available for any business that owns or operates vehicles for work-related purposes. This includes construction companies, contractors, delivery services, home care or medical transportation providers, and Band-run programs that use vehicles for community events or services. Whether you have a single van or a fleet of vehicles, TCI will help you get the right commercial auto insurance policy to protect against liability, collisions, theft, and damage. Our plans can also cover vehicle use beyond reserve boundaries, ensuring operational continuity and financial protection.
Can I bundle commercial auto and liability insurance for my business?
Absolutely. Bundling your commercial auto and general liability insurance is not only convenient, but it can also help you save on premiums. TCI offers comprehensive commercial packages that include “all risk” property coverage, vehicle insurance for company-owned vehicles, and liability protection for day-to-day operations. This bundled approach helps protect your business from physical losses, accidents, and legal claims—while streamlining your insurance management through one trusted provider.