Commercial Insurance
Tailored protection for your business, your people, and your future CommercialPersonalCommercial Insurance
Flexible and cost-effective solutions designed for growing businesses across Ontario. Policies can be bundled to include coverages such as property, liability, business interruption and more. Â Check out our list of Commercial Services below.
Property & Asset Protection
Commercial Property
Protect your physical business assets—including buildings, contents, inventory, and equipment—from risks such as fire, theft, vandalism, and certain natural disasters. Essential coverage to keep your operations running after unexpected losses.
Contractor Equipment
Coverage for tools, machinery, and mobile equipment used on job sites. Ensures your business can continue operating if critical equipment is damaged, lost, or stolen.
Builders Risk (Course of Construction)
Protects buildings and projects under construction against risks like fire, theft, vandalism, and weather-related damage—keeping your project on track from start to finish.
Liability Protection
Commercial General Liability (CGL)
Protects your business against third-party claims for bodily injury, property damage, and legal costs—forming the foundation of your liability coverage.
Errors & Omissions (E&O)
Designed for professionals, this coverage protects against claims of negligence, errors, or failure to deliver services as promised.
Directors & Officers (D&O)
Safeguards business owners and executives from personal liability related to management decisions, governance, and regulatory actions.
Abuse Liability
Critical protection for organizations working with vulnerable individuals, covering claims related to alleged abuse or misconduct.
Food & Liquor Liability
Protects businesses that serve or sell alcohol from claims arising from alcohol-related incidents, including bodily injury and property damage.
Pollution / Environmental Liability
Coverage for environmental exposures, including contamination, cleanup costs, and third-party claims related to pollution incidents.
Event Liability
Short-term protection for events, covering bodily injury, property damage, and certain cancellation risks.
Commercial Auto & Transportation
Commercial Auto & Fleet
Coverage for company-owned vehicles and fleets operating across Canada, the U.S., and Mexico. Includes liability, accident benefits, and physical damage protection.
Heavy Commercial Vehicles
Specialized solutions for transport trucks, construction vehicles, and heavy-duty equipment operating in high-risk environments.
Garage Auto
Designed for auto repair shops, dealerships, and garages—covering business operations as well as customer vehicles in your care, custody, or control.
Cargo & Marine
Protects goods in transit by land or water, ensuring coverage for domestic and international shipments against loss or damage.
Business Operations & Specialized Solutions
Small to Mid-Size Businesses
Flexible, cost-effective packages tailored for growing businesses. Bundle core coverages like property, liability, and business interruption for comprehensive protection.
Large National & International Businesses
Specialized solutions for transport trucks, construction vehicles, and heavy-duty equipment operating in high-risk environments.
Landlords (Commercial & Residential)
Coverage for rental properties, including property damage, liability protection, and loss of rental income.
Farming Operations
Specialized coverage for agricultural businesses, including property, equipment, liability, and operational risks unique to farming.
Non-Profit Insurance
Tailored solutions for charities and non-profits, including liability protection, board coverage, and operational risk management.
Financial & Emerging Risk Coverages
Cyber Insurance
Essential protection against data breaches, ransomware, and cyberattacks—covering recovery costs, business interruption, and liability.
Trade Credit
Protects your business against non-payment from customers, helping you maintain cash flow and confidently extend credit to clients both domestically and internationally.
Bonding (Surety Bonds)
Guarantees contractual obligations and project completion—often required for contractors and businesses bidding on projects.
Employee Benefits
Group Benefits
Comprehensive employee benefits packages including health, dental, disability, and life insurance—helping you attract, retain, and support top talent.
Industries We Serve
Construction
Retail
Manufacturing
Professional Services
Transportation
Real Estate
Hospitality
Agriculture
Non-profit Organizations
Technology
True North Insurance (a div. of Oracle RMS) is a boutique insurance firm serving clients across Canada, specializing in commercial, personal and complex insurance solutions.