Commercial Insurance

We help business owners in Southern Ontario find the commercial insurance coverage they need to protect their business — we don’t believe in “one size fits all” insurance coverage.

Whether you’re looking for liability coverage, commercial vehicle coverage, or anything else, our team will help you create a policy that will give you peace of mind and let you get back to what matters — running a successful business.

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Learn more about the best insurance options for your business in Elora, Fergus, Guelph, Shelburne, and Kitchener-Waterloo.

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Commercial Insurance

Unexpected circumstances can make or break a business. Protect your business and your employees with commercial insurance coverage in Guelph, Fergus, or Shelburne.

Commercial insurance comes in many shapes and sizes. Since risks vary from business to business, coverage is tailored to your unique circumstances. All types of professional organizations and corporations need to invest in commercial insurance to safeguard themselves against liability, loss, and expenses.

Types of Commercial Insurance

Our team provides all types of commercial insurance to businesses in Guelph, Fergus, Shelburne, and surrounding areas. This includes commercial auto insurance, commercial property & liability insurance, and specialized farm insurance. Browse below to learn more about our different commercial insurance plans:

Commercial Auto Insurance

Your business relies on its wheels. Make sure your commercial vehicles are covered with proper insurance for motor vehicles, delivery vehicles, trailers, and more.

We offer a variety of commercial auto policies with coverages for different levels of driver experience, radius and area of operation, gross vehicle weight, and more.

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Commercial Property & Liability Insurance

Choose from commercial property and liability insurance plans designed to meet the unique requirements of commercial, non-profit, and municipal organizations.

Our team will take the time to understand your organization’s specific requirements and create a commercial insurance program tailored to protect you from potential losses, associated with your organization’s specific activities.

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Farm Insurance In Ontario

If you are a local farmer in southern Ontario, we will help you find the farm insurance coverage that you need to help your business succeed.

We know that every farm has different needs, depending on whether you are raising livestock, growing crops, or a combination of the two. We offer a selection of policies designed to provide peace of mind and let you get back to what matters — running a safe and successful farm.

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What Our Customers Have to Say

My family and I have used the Ostic Group for years now and its been a great experience!Never difficult to speak with someone when I have a question and they are always looking for ways to save us money.Love seeing them give back to the community too!

Matt McQuade

18:03 26 Aug 20

When it comes to insurance, it doesn't get any better than these folks. Super responsive, very friendly, always trying to help, and unbelievable rates. They insure everything for my family and my business and they are awesome. Local, real people, no call centre's, just good old fashioned customer service with a smile! Keep it up. Ostic Group, seriously, you never cease to amaze. Oh ya and Dana is amazing!!!!

Rob Murray

21:45 11 Jan 20

I have dealt with OSTIC for years. They never miss a beat. Good old, fast, friendly, professional service. 🙂

Stefan Wiesen

16:54 05 Nov 20

I have used The ostic group over 10 years. I find they are very knowledgeable and there to help. I will stay with them for years to come.

Linda Goodyear

12:42 17 Jan 21

I recently purchased my first car and needed insurance. My friend referred me to The Ostic Group and I am so happy they did. Jessica Dewey was so helpful and went out of her way to get insurance for me, even offering to stay late on a Friday to get the paperwork filled out! Being a first time car owner, I didn't know where to start or what was the best plan for me. Jessica was very informative and made me feel very comfortable throughout the application process. Highly recommend!

Melanie Bartlett

14:34 26 Oct 16

I've recently received home & life insurance from The Ostic Group and have been very pleased. I'll be completely open on this review in saying that they are a client of where I work, but this did not sway my decision.Jessica Flanjak and The Ostic Group team were helpful while presenting my options. Jessica made it a simple and delightful process. I feel very good about my decision and will be switching my auto insurance over to The Ostic Group as well.

James Burgie

14:05 17 May 17

This whole team is incredible to work with. They not only have a massive focus on giving back to the community, but they are all passionate about insurance and making sure their clients have the right coverage. The Ostic Group insures my business, my house, and my car and in every interaction they always go above and beyond. Keep up the amazing work, we are lucky to have a business like yours in our community!

Paul Demarco

01:51 28 Oct 16

The team at the Ostic Group are all amazing to work with! Quick responses, fair quotes and a friendly staff that know their stuff, the Ostic Group should be considered by all when looking at Insurance needs. Jessica Flanjak was a huge help when I was looking for home and auto insurance and her willingness to help in any way possible made my experience with them too-notch! Keep up the great work - would highly recommend.

Ryan Vielma

17:11 25 Oct 18

After meeting Jessica Dewey on a happenstance years ago, I have always turned to her for insurance advice as I know she has always had her client's best interests in mind. When I switched brokers to Ostic Insurance, it was the best decision I have made as Jessica always notifies me of changes in my policy, and works dilligently to get me the best insurance coverage at the best rate possible. She is always there to answer any questions I have in a pleasant, professional manner, and I am delighted to not only refer to her as my insurance broker but also as a friend.

Allison Mammoliti

13:14 20 Mar 23

I am very satisfied and happy with my broker at the Ostic. Very professional.

michael Park

15:34 20 Mar 23

Jessica Dewey has provided excellent service for my home, auto and travel insurance needs. I highly recommend her and the team at Ostic!

D Drake

19:03 17 Mar 23

Jessica Dewey has always been a great help with all of my insurance needs. Thanks for all the great work!

cullen202

13:35 17 Mar 23

Always had great experience with our broker, Jess! She's found us the cheapest rates every year for over a decade! Will never use another insurance broker

Simon Ko

01:25 18 Mar 23

Hello,Jessica Dewey most definitely deserves five stars. My wife Nancy and I recently purchased a home in the Village by the Arboretum. When we contacted Jessica to obtain insurance coverage she was extremely helpful in every way. She provided mutiple options and thoroughly explained all of the need-to-know details. Jessica clearly cares about her clients and it shows in her professional, efficient and friendly manner. It is a pleasure to know and work with Jessica..............thanks!☺Ron and Nancy Hansen

Ron Hansen

18:48 17 Mar 23

Very friendly. Quick turn around for responses to any questions you may have. Always finding the best insurance and cost for your needs. Highly recommend this company and to deal with Lisa Robertson.

Nicole Self

20:10 17 Mar 23

I have been a customer of Ostic Group Insurance for several years now, and I have nothing but great things to say about them. As a local company, they really care about their customers and go above and beyond to make sure they find the best insurance product for your needs.Working with Lisa Robertson has been an absolute pleasure. She is incredibly knowledgeable, professional, and dedicated to ensuring that her customers are satisfied. I have always felt valued as a customer, and I appreciate the personalized attention that I have received.Overall, I highly recommend Ostic Group Insurance to anyone looking for excellent service and great insurance options. Thank you for all that you do!

Robert Mitchell

01:12 27 Mar 23

I have received amazing customer service with Ostic Insurance for over 10 years. Jessica Dewey has always done a great job finding me the best rates. She is always cheerful and a pleasure to chat with. I highly recommend Ostic to my friends and family.

Steven Keenan

20:55 27 Mar 23

Our family has been dealing with OSTIC insurance for nearly 35 years. When we had the misfortune of experiencing a car accident a number of years ago, our agent Lisa, was exceptionally courteous, helpful, knowledgeable, and prompt in dealing with our many questions and eventual car replacement. If Lisa doesn’t have a “quick answer” to any of our questions, she is very thorough in her investigation, and usually responds within 24 hours! Hats off to Lisa, and the other wonderful staff, at OSTIC insurance in Guelph.

Mary Bickley

15:15 04 Apr 23

My experience with The Ostic Group Insurance was and continues to be an outstanding service to my insurance needs. Jessica Dewey gave my business and home needs the utmost care as she packaged everything together in a professional way. I am very happy with the continued communication from her team. Thank you Jessica!

Barry Bauman

18:38 17 Mar 23

Been a customer for almost 35 years now (Guess that alone ages me!!)Never a problem with any of the staff really. The odd thing is missed or is incorrect. However, they are quick to fix anything you need.My regular agent went off on maternity if my memory serves me correctly, and lately, I have been working with James. He has gone above and beyond and is relatively quick at resolving inconsistencies.We would and have recommended Ostic to others.Take care everyone at Ostic!R. LOWE

Rebecca Lowe

19:40 02 May 23

The greatest experience and best decision I’ve ever made when my husband and I switched to Ostic Group in 2016. I directly deal with Lisa Robertson. She always has our best interest at heart, and she is always so wonderful and friendly to deal with!! Thanks again Lisa for the amazing customer Service!

Natalie Brimblecombe

21:36 17 Mar 23

I have used the Ostic Group for a while now and recently got assigned to Mikayla. What can I say, she makes insurance easy! Yes you heard me, insurance and easy in the same sentance. I would never go back to a traditional insurance company again, go see Ostic and hope you get the awesome Mikayla.

J Robinson

18:52 26 Jul 23

I have been with Ostic Group insurance for quite a few years for both my personal and business needs. Lisa, Julie and anyone else I’ve dealt with have always been great, prompt in responses and very knowledgeable in their industry. Would highly recommend!! Thumbs up to a great team! Thanks gals!

Diana Gatto

17:18 23 Mar 23

Jessica D. and everyone at the Ostic Group has been phenomenal to work with over the past 6 years. I have never, not for a moment, worried about whether I have the best car and home insurance coverage! Highly recommend!

Cassandra Hammond

02:33 03 Apr 23

We’ve been dealing with Ostic for about 10 years now. In fact, we’ve recently moved our house insurance over to them also, because they are so great to deal with! Thank you, Jessica Dewey, for always answering our questions promptly and professionally. This is very much appreciated!

Mary Piper

16:01 17 Mar 23

As always, these folks have made sure my most manic moments are covered. Never a plan together, then suddenly Jessica makes it happen. I have been coming to Ostic for time. Woolwich Street office 😉

Linda Nesbitt

15:29 12 Jul 24

I have been with Ostic since 2021 and I am so grateful for the ease they provide. I especially am appreciative of Kessly and her attention to detail and her thoroughness. 100% recommended!!

Renée Comeau

19:09 08 Aug 24

I have used the Ostic Group for years now. I have worked with a few great people but no one as amazing as Mikayla. She is a super star! Let's be real who looks forward to talking about insurance? I do! Thank you for all the hard work.

J Robinson

18:37 24 Sep 24

Lisa Robertson was so helpful and informative about insurance. She took lots of time to explain all the details. We highly recommend Oustic Insurance and are ever so grateful to Lisa. Thank you.

Colombe Summers

22:04 25 Sep 24

Staff were extremely supportive, and provided details ensuring we understood all of the processes to have the best insurance for our needs! Thanks Lisa R. You are amazing!

Cin Emmans

14:42 26 Sep 24

Lisa was excellent to work with, incredibly thorough and very quick to respond. Saved us a lot of money on our Home and Auto policies. Happy clients!

Jeremy Zymerman

16:46 26 Sep 24

Great service and very friendly staff! I had the pleasure of chatting with Mikayla who was so lovely and helpful! Answered all of my questions and made everything easy to understand. Would highly recommend this place 🙂

Joanna Silveri

19:41 01 Oct 24

Great company! Mikayla was incredibly helpful and knowledgeable. She took the time to answer all of my questions and was very supportive. Would definitely recommend!

Teri-Ann Contini

01:27 03 Oct 24

Can't say enough good things about The Ostic Group and Mikayla!We have been dealing with Ostic for many years (back when the office was on Scottsdale) They have handled all our insurance needs with efficiency and competency. Having recently moved Mikayla handled all our new insurance needs without a hitch!I highly recommend the team at Ostic and in particular Mikayla.It was a pleasure dealing with you.J.M.

Jo Ann Mazur

15:59 03 Oct 24

Mikayla is superb! She responded quickly, was attentive to my insurance needs, and has a super sweet personality which makes her so personable! Definitely recommend Mikayla at Ostic Group! 5 stars, 2 thumbs up.

Emily C.

16:21 08 Oct 24

Lisa Robertson has been a fantastic broker for all our insurance needs from home, auto and out of country medical insurance. She responds quickly to our questions and explains everything in detail. She ensures we get the best coverage for our money. She is friendly, courteous and always professional in all our interactions with her. You won't find a better insurance broker to meet your needs.

Judy Self

20:18 10 Oct 24

Adella Faria, was so helpful getting me a quote on my insurance! Her knowledge and friendliness did not go unnoticed! I will definitely recommend Adella to my friends and family! Thank you so much for helping me!! ❤️

Alexis DeMedeiros

20:13 10 Oct 24

I recently worked with Lisa Robertson to get my auto insurance, and I had an amazing experience! Lisa was so friendly and made the whole process much easier and more pleasant than I expected. She took the time to explain everything clearly and made sure I was comfortable with my options over the phone. I am happy I decided to reach out to The Ostrich Group for guidance!

Michelle Haros

19:31 15 Oct 24

Lisa Robertson was unbelievable….while shopping around for home and auto insurance Lisa was the only person that took the time to explain all the types of coverage and in the end she got us the best price in town. Her customer service skills and lovely personality were off the charts. So happy we are with Ostic.

Joe Sciorilli

23:01 09 Oct 24

I switched to Ostic Group because I wanted a local Broker.Moving my business over was taken care of quickly.Mikayla consistently delivers next level service for all of my requests. I recently sold and bought a home with differing closing dates and that was also handled professionally with my insurance carrier. Well played

Terry Shoemaker

22:06 14 Nov 24

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Frequently Asked Questions About Commercial Insurance

Why Should I Get Commercial Insurance For My Organization?

A commercial insurance policy will protect your organization from different types of losses and provide the peace of mind required to focus on running a successful organization.

Commercial insurance is a broad term, which most often refers to property and liability insurance designed for professional organizations.

If you operate any professional organization, such as a commercial business, a non-profit organization, or a municipal organization, it is important to have commercial insurance to protect yourself, your organization, and your employees from risks.

What Does Commercial Insurance Cover For An Organization?

The cost of your commercial insurance will depend on a number of factors, including:

The type of commercial insurance policy
The coverage options required for your organization
The discounts that can be applied to your policy
Your overall insurance policy package
Your organization’s insurance claims history

If you would like to get a better idea of what commercial insurance will cost for your organization, start a commercial insurance quote in 30 seconds to find out.

What Commercial Insurance Products Do You Offer?

At the Ostic Group, we offer three main types of commercial insurance products. For each product, there are a number of different policies, discounts, and coverage options available, depending on the specific needs of your organization:

Commercial Auto Insurance — This product provides coverage for commercial vehicles in Ontario, offering specific options for motor vehicles, passenger vehicles used for delivery, and trailers used with commercial vehicles.
Commercial Property & Liability Insurance — This product provides coverage for commercial properties and their contents, as well as general liability coverage for the business. It can protect against crime, accidents on your property, or issues resulting from your products, services, or daily operation.
Farm Insurance — This product offers coverage for commercial farms, with programs designed for farms with a range of livestock and crops. This type of insurance will also cover farm property, such as dwellings, outbuildings, equipment, machinery, and more.

For more information on a specific commercial insurance product, please follow the links above to learn more.

Commercial Insurance Blogs

Understanding Commercial Insurance in Ontario

Running a business in Ontario is exciting, but it also comes with challenges and risks. One of the most necessary steps to safeguard your business is investing in commercial insurance. Without it, unexpected events could jeopardize everything you’ve built. The...

Commercial Vehicle Supplement [PDF Download]

Download Commercial Vehicle Supplement The Commercial Vehicle Supplement is a downloadable resource for businesses that are applying for commercial auto insurance, developed by the Centre for the Study of Insurance Operations (CSIO). The form is used as a supplemental application to provide...

Insurance Check-up: Home & Business

We all try to visit our doctor once a year for a health check-up. Some of us will even meet with our mortgage broker for a mortgage check-up, but ask yourself, when was the last time you met with your...