Retail & Small Business Insurance

At Solutions Insurance, we understand that running a small business or retail operation comes with a unique set of challenges and risks. Whether you operate a boutique, café, repair shop, or a small professional office, your business is more than just a livelihood—it’s your passion and investment. That’s why we’re here to help protect it with tailored insurance solutions designed specifically for small businesses and retail owners.

Why Small Business Insurance Matters

No matter how carefully you manage your operations, unexpected events can disrupt your business in an instant. From property damage and theft to liability claims and employee injuries, small businesses face a wide variety of risks every day. Without the right insurance coverage, even a minor incident can lead to major financial setbacks—or even force you to close your doors.

Retail and small business insurance offers peace of mind, financial protection, and the ability to bounce back quickly when the unexpected happens.

Who Needs Retail & Small Business Insurance?

If you own or manage any of the following, you likely need tailored insurance coverage:

* Retail stores (clothing, electronics, gifts, etc.)
* Restaurants, cafés, and food trucks
* Hair salons, spas, and barber shops
* Auto repair or service garages
* Small manufacturers or artisans
* Professional service offices (consultants, accountants, designers)
* Online businesses with inventory or physical locations

No two businesses are the same, and we believe your insurance coverage shouldn’t be either.

What’s Covered?

At Solutions Insurance, we offer flexible, customizable policies that can include coverage for:

1. Commercial Property Insurance
Protects your building, inventory, equipment, and furnishings against damage or loss due to fire, theft, vandalism, storms, and more.

2. General Liability Insurance
Covers legal costs and damages if someone is injured on your premises or if your business is found liable for property damage or bodily injury.

3. Business Interruption Insurance
Helps cover lost income and expenses if your business must temporarily close due to a covered event like fire or flood.

4. Product Liability Insurance
Essential for retailers and manufacturers, this covers claims related to defective products that cause injury or harm.

5. Commercial Auto Insurance
Protects any vehicles used for business purposes—from delivery vans to service trucks.

6. Workers’ Compensation Insurance
Mandatory in most provinces, this provides benefits to employees injured on the job, covering medical expenses and lost wages.

7. Cyber Liability Insurance
With more small businesses handling customer data online, cyber protection is crucial. This coverage protects against data breaches, hacking, and related legal costs.

Why Choose Solutions Insurance?

As an independent insurance broker, Solutions Insurance works with Canada’s leading insurers to find the right coverage at the best value. Our experienced advisors take the time to understand your business, assess your risks, and build a custom insurance package that grows with you.

Personalized Service:One-on-one support with a dedicated advisor who knows your business.
Competitive Rates: We compare quotes from multiple insurers to get you the best deal.
Fast Claims Support: In the event of a loss, we advocate on your behalf to ensure a smooth, timely resolution.

Protect What You’ve Built

Your business is the result of hard work and dedication. Don’t leave it vulnerable to chance. Let Solutions Insurance help you build a solid safety net so you can focus on what you do best—running your business.

Contact us today for a free consultation or quote. We’re here to help you make the smart choice for your business’s future.