Insurance for Your Business

Commercial
Insurance

Precision-Engineered Protection for Commercial Businesses

Your business is more than an asset—it’s your legacy built through your vision, expertise, and relentless effort. It demands the right Commercial Insurance protection at the highest level. Ferrari & Associates doesn’t just offer commercial insurance; we architect bespoke risk solutions designed to safeguard what you’ve built and drive future growth.

Whether you’re securing a new venture, scaling operations, acquiring assets, or protecting your workforce, our strategies are engineered for resilience, adaptability, and long-term success. We serve industry leaders across construction, hospitality, technology, retail, and beyond, delivering coverage that is as dynamic as the businesses we protect.

Exclusivity. Precision. Uncompromising service. You’ve built your business with vision, determination, and relentless effort—Ferrari & Associates protects it with the same level of dedication. Insurance isn’t just coverage; it’s a strategic advantage designed to safeguard your success. With a white-glove, concierge approach and customizable risk solutions, we ensure that every policy is as dynamic and forward-thinking as the business it protects.

Commercial General Liability

Intended to protect your business from financial loss due to bodily injury or property damage on your property or as a result of your business' products or services.

This is particularly important for businesses that interact with clients, vendors or the public on their premises, job sites or during business operations.

This could include retail businesses, restaurants and cafes, service-based businesses, event planners, resorts, event halls, gyms, and salons, for example.

Commercial Property Insurance

Intended to protect your business' physical assets like buildings, equipment and inventory against risks like fire, theft, vandalism, sewer backup or certain natural disasters.

This is particularly important for businesses that own or lease physical property, or use specialized equipment for their business operations.

This could include retail stores, restaurants and bars, manufacturing facilities, warehouses, hospitality, training facilities, or storage companies, for example.

Business Interruption Insurance

Intended to protect your business from financial loss by replacing lost income and covering ongoing expenses like payroll and rent if the business is forced to shut down temporarily due to a covered event.

This is particularly important for businesses that own or lease physical property, or use specialized equipment for their business operations.

This could include retail stores, restaurants and bars, manufacturing facilities, warehouses, hospitality, training facilities, or storage companies, for example.

Professional Liability Insurance

Intended to protect professional businesses from claims of negligence, errors and other mistakes that result in financial losses for a client.

This is particularly important for businesses that manage sensitive client data, provide advice, expertise or professional services to clients.

This could include lawyers, accounting and financial services, consulting firms, technology companies, event planners, real estate brokers, and healthcare professionals, for example.

Directors & Officers Insurance

Intended to protect your business and the personal assets of your company's leadership from losses associated with a lawsuit or legal defence fees.

This is particularly important for corporations, nonprofits and charities, startups, educational institutions, and healthcare organizations.

This could include publicly traded companies, board of directors, medical boards, seed funding, and shareholders, for example.

Builders Risk Insurance

Intended to protect property owners and general contractors in construction and renovation projects from loss or damage to buildings, landscaping, materials, and equipment.

This is particularly important for businesses responsible for project completion, that build large-scale residential or commercial construction projects.

This could include general contractors, subcontractors, property developers, custom home builders, and renovation contractors, for example.

Employment Practices Insurance

Intended to protect your business from lawsuits arising from employee-related issues including discrimination, wrongful dismissal, constructive dismissal and harrassment.

This is particularly important for businesses with large workforces, high employee turnover, volunteers or complex hierarchies.

This could include multinational or regional corporate offices, hospitality and retail businesses, nonprofits and charities, healthcare, technology companies and startup companies, for example.

Cyber Liability Insurance

Intended to protect your business from costs associated with data breaches, cyberattacks, data loss, extortion or ransomware and reputational damage.

This is particularly important for digital businesses or that collect and handle sensitive personal or financial data.

This could include hospitals, clinics, pharmacies, online retailers and marketplaces, professional services, technology and software, and educational institutions, for example.

Commercial Automotive Insurance

Intended to protect your business, business vehicles used for business purposes, and employees in the event of damages caused by accidents or other incidents.

This is particularly important for businesses that transport goods, equipment, or people.

This could include caterers, landscapers and snow removal contractors, moving and storage companies, specialty trades, shuttles, construction vehicles, maintenance services, delivery services and taxies or ride-sharing services, for example.

Our commercial business insurance solutions provide coverage for most industries across Canada.