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Commercial Realty Insurance

Protect your commercial properties and real estate investments with comprehensive, tailored coverage.

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Commercial Property Insurance for Ontario Businesses

Commercial real estate represents one of the largest assets a business owner can hold — and one of the most exposed to risk. Fire, flooding, structural damage, tenant liability, and loss of rental income are just a few of the risks commercial property owners face daily.

CrownRidge helps commercial property owners, investors, and landlords build insurance programs that protect the full value of their portfolio.

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Did You Know?

Loss of rental income coverage is one of the most overlooked protections in commercial property insurance. If a fire makes your building uninhabitable, this coverage replaces the rent you'd lose during repairs.

What's Covered

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Property Damage

Coverage for physical damage to your commercial buildings from covered perils.

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Loss of Rental Income

Replaces lost rent while your property is unusable following a covered event.

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Premises Liability

Protection against claims from tenants or visitors injured on your property.

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Building Improvements

Coverage for leasehold improvements and tenant build-outs within your property.

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Theft & Vandalism

Protects against unauthorized access, break-ins, and malicious damage.

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Flood & Sewer Backup

Optional coverage for water damage from overland flooding or sewer backups.

Who Needs Commercial Realty Insurance?

Commercial landlords
Real estate investors
Property developers
Strip mall owners
Office building owners
Multi-unit residential investors

Frequently Asked Questions

Does commercial realty insurance cover my tenants' property?+
No — your policy covers the building and your assets as landlord. Tenants need their own commercial insurance to cover their contents and liability.
What about buildings under renovation?+
Major renovations may require a separate Builders Risk policy. We can arrange both your standard property coverage and a Builders Risk policy.
Is flood coverage included?+
Flood and sewer backup coverage is typically an optional endorsement. Given Ontario's increasing flood risk, we recommend adding it to your policy.

Questions About Your Coverage?

Our licensed brokers are ready to help you find the right fit.