Commercial Insurance

Your company vehicle is a critical tool for the daily operation and success of your business.  Whether it’s just one car, a truck or a full commercial fleet, proper commercial auto insurance is important to keep your business travelling.

C. M. Steele Insurance Brokers Limited will find the right commercial auto insurance that fits your business perfectly.  We start by figuring out the level of coverage you require for your commercial vehicles.  Third-party liability is mandatory, but other coverage to consider includes repairing or replacing damaged or stolen vehicles and renting replacement vehicles.  Once we know what type of protection you need, we source competitive quotes on packages that suit you.  You can rest assured knowing that you will get the best possible coverage at the best price possible when you work with one of our licensed insurance brokers.

To learn more or get a free quote talk with one of C. M. Steele Insurance Brokers commercial insurance experts.  Call 905-835-2417 today or email us.

When damage to your commercial property occurs, the priority of your insurer should be to restore your operation as fast as possible. Business property is exposed to similar risks as your home property, such as fire, water damage and theft. However, businesses are often also exposed to risks such as equipment failure, cyber breach and other various business interruption expenses. There is also the added responsibility to protect against liability claims that may arise from the products you sell or those visiting your business location.

Business property insurance provides coverage for all of these risks. C. M. Steele Insurance Brokers Limited works with you to assess the risks associated with your commercial property and establish the best policy coverage for your needs.  For more information call 905-835-2417 or email us.

C. M. Steele Insurance Brokers understands the challenges faced by the construction industry in today’s world.

Whether you're an electrician specializing in residential installations, a heating and plumbing contractor working in residential or commercial buildings, a small general contractor to a large new home or commercial builder, you worry about the job and the safety of yourself, your workers, your equipment, your clients and the work site. You may need Errors and Omissions Liability, Commercial vehicle insurance, disability insurance, property insurance and/or bonds.
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Our professional and dedicated insurance brokers will work with you to help manage your risks in a cost-effective way. We provide a detailed summary of the coverage you require and why the specific protection we recommend is necessary. Our goal is to help our customers contend with the changing insurance requirements of your industry.

Protect your business and your reputation. Request a no-obligation quote to make sure.  Call 905-835-2417 or email us.

Liability is an organizational risk for businesses of any size.  A non-profit that uses online tools to support fundraising activities can be vulnerable to hackers.  A corporate website that does not meet best practices for information security could compromise client information and expose a corporation to liability. ​

Simply publishing content online can open the door to a multitude of potential exposures such as:

• Electronic security breaches involving the personal/commercial information of clients, employees, volunteers, members, suppliers and/or stakeholders.
• The theft of mobile devices, laptops, USB flash drives and cellphones containing organizational, client, employee, volunteer or member data.

Specialty insurance coverage for cyber liability risks is relatively new to the Canadian marketplace. The possibility of cyber liability lawsuits is a reality that every business owner should consider. There have been several very high-profile personal information breaches that affected tens of millions of records and will cost the companies involved millions of dollars.
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6 Questions to Consider When Buying Cyber Liability Insurance

1. How many records containing personal information does your organization retain or have access to?
2. How many records containing sensitive commercial information does your organization retain or have access to?
3. What security controls can you put into place that will reduce the premium?
4. Do all portable media and computing devices need to be encrypted?
5. What about unencrypted media in the care, custody or control of your third-party service providers?
6. Could you make a claim if you were not able to detect an intrusion until several months or years had elapsed?

If you rely on an online presence and use e-commerce as a method of distribution or have employees who carry electronics that hold customers' information, C. M. Steele Insurance Brokers can help you find coverage that will protect your organization, no matter how large or small, please call 905-835-2417 or email us.

A lawsuit, whether well-founded or not, can result in costly legal fees. It is important to be protected.
With professional liability insurance you can perform your professional services with peace of mind.

An indispensable coverage, errors & omissions (E&O) liability insurance protects owners and employees
against legal liability for claims of financial loss, bodily injury and property damage arising from mistakes or negligence on the part of those who offer professional services and advice.

Who needs errors and omissions insurance?

Financial Consultants
Healthcare Professionals
Lawyers
Contractors
Architects
Engineers

For more information and/or to get a quote, call C. M. Steele Insurance 905-835-2417 or email us.

Be prepared with a customized farm insurance policy from C. M. Steele Insurance Brokers.  Our experience with farm insurance dates back 120 years.  We know the value of peace of mind, and the security that comes from knowing that your farm operation is covered for the long haul.  Whether you operate a large crop farm, to a cattle, horse or chicken operation down to a small hobby farm we can tailor the right coverage with your farm insurance needs in mind.

Custom Farm and Agriculture Insurance Plans

C. M. Steele Insurance Brokers is pleased to provide comprehensive, cost-effective property and liability insurance tailored to your needs and your budget.  We know that not all farms are alike, and work closely with our valued clients to develop an individualized plan for homes, farm structures and equipment, animal mortality and farm vehicle insurance.

In partnership with leading Ontario farm insurance companies, we afford more options and better value choices to safeguard your home and farm operation against the financial burden of events such as fire, hail, wind, burglary and animal loss.

Contact C. M. Steele Insurance at 905-835-2417 to help you with all your farming insurance needs.We can also be reached by email or you can submit information here and we will call you back.
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Casualty Insurance or Commercial Liability Insurance as it is more commonly known, protects you against property damage and personal injury to others as well as product and completed operations of your business. We offer high limits for a broad range of classes including those in the higher risk category for Canadian, American and International operations.

Our team provides an innovative approach for every day businesses or complex placements and we aim to provide coverage at a competitive premium.

The following are classes we can entertain but are not limited to:

• Contractors (all classes & all types)
• Manufacturing
• Retail
• Wholesale
• Roofers
• U.S sales
• Commercial Umbrella/Excess
• Construction – including: Blasting, Demolition, Tunneling, Welding etc.
• Snow Removal
• Auto parts machine shop

C. M. Steele Insurance Brokers can provide you with a comprehensive package for your business or commercial insurance needs. Call us at 905-835-2417 or email us. 

C. M. Steele Insurance Brokers works with clients to help determine the right coverage for their business insurance needs.

With seasonal activity being norm, the landscaping industry encounters different types of risks, maintaining lawns and gardens, installing irrigation systems, cutting down trees to snow removal, let our knowledgeable commercial insurance brokers provide you simple answers to complicated challenges.

Make sure your equipment and liability risks are covered properly.  Request more information on the types of coverage you should be looking for. Call 905-835-2417 or email us. 

C. M. Steele Insurance Brokers understands the needs of small business owners.
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Whether you’re a hairdresser, a convenience store owner, a lawyer or personal trainer, commercial insurance should be considered so you can protect your business and your customers.
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C. M. Steele Insurance Brokers knows your business means everything to you.  We understand the importance of developing a plan for financial security and together we can determine your insurance needs for you and your business.

Give us a call at 905-835-2417 or email us. 

Party Alcohol Liability Protection
This coverage provides protection when lawsuits are brought against individuals, organizations or companies who host single/multi-day functions with alcohol service.

For Event Hosts who are holding reception type events in a rented facility, a valid liquor permit or licence must be in place for the service of alcohol.

Event Hosts Liability
This program provides Event Hosts with protection in the event of lawsuits arising out of single/multi-day functions with or without service of alcohol.

Designed for:

• Hosts of single/multi day events who are seeking coverage to protect themselves against lawsuits that may arise out of their operation of Special Events.
• Hosts of single/multi day events where NO alcohol will be served (however, liquor extensions are available).

Are you running an exhibitor booth, vendor booth or kiosk at an event, flea market or mall?
Individuals, corporations or other organizations that set up a booth, kiosk, table or a stand at any type of event... this protection is ideal for any exhibitors at consumer shows, trade shows, craft shows, food fairs, festivals, concerts, malls, flea markets and farmers markets.

For more information, call us first at C. M. Steele Insurance Brokers call 905-835-2417 or email us to find out more.

Prize Indemnity or Hole in One ContestsPrize indemnity gives you the ability to offer special contests and promotions to your customers while transferring the risk to an experienced and financially bound insurer.Running a contest can result in a very lucrative marketing opportunity for your business. People love to participate in contests and you now have the opportunity to offer something different, such as:Hole in One
Hockey Score-O
Basketball Shoot
Curling-Draw to the Button
Crack the Code

Whatever contest you may have in mind C. M. Steele Insurance Brokers can offer the right policy for you.

Call 905-835-2417 or email us.