Business Insurance in Fergus
Running a business comes with risks, but the right insurance coverage protects you when the unexpected happens. Whether it’s liability claims, property damage, or commercial vehicle coverage, The Ostic Group provides tailored business insurance solutions to safeguard your livelihood.
We don’t believe in one-size-fits-all coverage. Our team takes the time to understand your business needs and customize a policy that provides absolute protection—so you can focus on running a successful business.
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Learn more about the best insurance options for your business in Fergus.
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What’s Included in a Fergus Business Insurance Policy?
Understanding your coverage is key to making informed decisions. A typical business insurance policy may include:
- General Liability Insurance – Protection against third-party claims, including bodily injury, property damage, and legal expenses.
- Commercial Property Insurance – Covers your building, equipment, and inventory against fire, theft, and other risks.
- Business Interruption Insurance – Reimburses lost income if your business is forced to close due to a covered event.
- Professional Liability Insurance – Protection against claims of errors, negligence, or omissions in professional services.
- Cyber Insurance – Helps cover losses related to hacking, data breaches, and cyberattacks.
- Workers’ Compensation – Covers employee injuries and lost wages due to workplace accidents.
Not sure which coverage you need? Our team will guide you through your options.
Types of Business Insurance in Fergus
Every business is different, and so are its insurance needs. We provide customized commercial insurance solutions to businesses of all sizes, from local startups to large corporations.
Commercial Auto Insurance
If your business relies on vehicles, you need proper insurance to cover risks like accidents, property damage, and liability. Whether you operate a fleet, a delivery service, or use company-owned vehicles for business, we provide commercial auto coverage tailored to:
- Delivery vehicles and trailers
- Heavy trucks and specialized equipment
- Company cars and fleets
- Rideshare and service vehicles
Commercial Property & Liability Insurance
Every business faces risks, from fire damage and theft to lawsuits and liability claims. We offer commercial property and liability insurance plans designed for businesses, non-profits, and municipal organizations. Coverage includes:
- Protection for buildings, inventory, and equipment
- General liability insurance for customer and employee incidents
- Business interruption coverage for unexpected closures
- Cyber liability insurance to protect against data breaches
Farm Insurance In Ontario
Farmers face unique risks, from livestock loss to equipment damage. We provide farm insurance for operations of all sizes, offering coverage for:
- Crop and livestock protection
- Equipment and machinery insurance
- Farm liability coverage
- Custom policies for small and large-scale farms
What Our Customers Have to Say
Why Business Owners in Fergus Trust The Ostic Group
1. Local Experts Who Care
We’ve been part of the Fergus business community since 1925. We know the challenges local business owners face and provide expert guidance to help them get the right coverage.
2. Access to Leading Insurance Providers
We work with top commercial insurance providers across Ontario, comparing rates and coverage options so you get the best protection at the best price.
3. Tailored Coverage That Fits Your Needs
No two businesses are alike. Whether you run a retail store, a construction company, or a professional service, we customize every policy to match your unique risks and requirements.
Frequently Asked Questions About Commercial Insurance
Why Should I Get Commercial Insurance For My Organization?
Commercial insurance is often legally required and protects your business from major financial losses. Whether you own property, have a mortgage, work with the public, or sell products/services—coverage can protect you, your assets, and your team.
What Does Commercial Insurance Cover For An Organization?
Commercial insurance is designed to safeguard businesses and organizations from a wide range of financial risks. A well-structured policy typically provides coverage in several key areas:
Property Damage or Loss
This includes protection for physical assets such as buildings, equipment, and inventory against risks like fire, theft, vandalism, or natural disasters.
Business Interruption
If your business operations are disrupted due to an insured event (such as a fire or flood), this coverage helps recover lost income and may cover ongoing expenses while you get back on track.
Crime-Related Losses
Protection is available for financial losses stemming from criminal activities, such as theft, fraud, or vandalism affecting your organization’s property or assets.
Liability Claims
If your business is held legally responsible for property damage, bodily injury, or even death due to its services, products, or operations, liability coverage helps pay for legal costs, settlements, or judgments.
Commercial insurance can be adapted to fit the unique needs of different types of organizations—whether you’re running a business, managing a non-profit, or operating a municipal service. It helps protect not only your assets and physical property but also your reputation and long-term operational stability.
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
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Read MoreGet the Best Business Insurance in Fergus Today
Owning a business comes with risks, but you don’t have to face them alone. The Ostic Group provides personalized business insurance solutions to protect your company, employees, and financial future.