Professional & Service-Based Business Insurance
Insurance That Works as Hard as You Do
Every professional and service-based business faces unique challenges — from client liability to equipment damage or data breaches. Whether you’re a contractor, fitness centre, medical office, technology firm, or consulting professional, having the right insurance helps protect your business, employees, and reputation.
We’ll tailor coverage to meet your specific needs, so you can focus on what you do best — running your business with confidence.
Builder’s Risk Insurance
If you’re managing a construction project in Ontario—whether it’s a commercial build, renovation, or new development—there’s one critical coverage you shouldn’t overlook: Builder’s Risk Insurance. We work closely with contractors, developers, and business owners across Ontario to ensure their projects are protected from the ground up.
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Builder’s Risk Insurance is a specialized type of property insurance designed to protect buildings and projects during construction or renovation. Unlike standard property policies, this coverage fills a crucial gap by protecting your investment during the most vulnerable phase of a project.
This coverage is essential for anyone with a financial stake in a construction project. That includes contractors, subcontractors, property owners, and developers. Whether you’re working on a new commercial build, tenant fit-up, or major renovation, Builder’s Risk Insurance helps ensure your project is protected from start to finish.
At Miller Insurance Brokers, we understand the unique risks that come with construction projects in Ontario. We work closely with you to design a Builder’s Risk policy that aligns with your project scope, budget, and contractual requirements.
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A Builder’s Risk policy protects the structure itself, along with materials, equipment, and temporary installations associated with the project. Coverage typically includes risks such as fire, theft, vandalism, and weather-related damage, including wind or hail. Materials in transit or stored on-site are often included as well.
Depending on your project, additional protection can be added for:
Soft costs like permits, architectural fees, and legal expenses
Delays in completion
Loss of rental income
Contractor Insurance
If you’re a general contractor, HVAC technician, plumber, carpenter, electrician, or painter, having the right insurance ensures your business, equipment, and reputation are protected. A tailored contractor insurance policy covers multiple risks without paying for unnecessary extras, offering peace of mind while you focus on the job at hand.
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A strong policy includes general liability insurance to protect against claims of property damage or injury that occur on a job site or your premises. These claims can be costly, and this coverage is often required if you plan to bid on certain contracts.
Please note: In Ontario, “Worker’s Compensation” insurance is provided through the Workplace Safety and Insurance Board (WSIB), which offers wage-loss benefits, medical coverage, and support to help employees recover after a work-related injury or illness. WSIB is funded by premiums paid by Ontario businesses.
Protect your stock, tools, machinery, and equipment against damage or loss caused by fire, theft, flooding, or other risks—whether they’re stored on-site, in a vehicle, or at your shop. You can also include coverage for lost income if you’re unable to work due to damaged or stolen equipment.
If you’re unsure which contractor insurance policy fits your needs best, contact us today — we’ll help you find the right protection for your business.
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Commercial Property
Business Auto Insurance
Hold Harmless / Additional Insureds
Contractors' Equipment Coverage
Builders Risk and Installation
Workers’ Compensation
Commercial General Liability
Commercial Umbrella
Surety Insurance
Whether you’re a contractor, developer, or business owner, surety bonds can help you meet contractual and legal obligations while protecting the interests of the parties you work with. From performance and payment bonds to other specialized guarantees, tailored surety solutions can help you secure contracts, meet requirements, and move your business forward.
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Surety insurance, commonly provided through surety bonds, is a three-party agreement that guarantees a business will fulfill its contractual or legal obligations. The three parties involved are:
Principal: The business or individual responsible for fulfilling the obligation.
Obligee: The party requiring the bond and receiving the guarantee.
Surety: The insurance company providing the bond and guaranteeing the principal's obligations.
If the principal fails to fulfill their obligations, the obligee may make a claim against the bond. If the claim is valid, the surety may provide compensation for covered losses, subject to the terms and conditions of the bond.
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For example, surety bonds are commonly required in the construction industry. A building owner may require a contracting firm to obtain a performance bond before work begins. In this case, the contractor is the principal, the building owner is the obligee, and the insurance company is the surety. The bond provides the building owner with financial protection if the contractor fails to meet its contractual obligations.
Technology Firm Insurance
Technology firms face unique risks due to the fast-paced, ever-evolving nature of their work. From data breaches and system outages to lawsuits for errors and omissions, the right insurance helps protect your business from costly setbacks that could impact your operations and reputation.
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A tailored technology firm insurance policy can include liability protection for data loss, software errors, and other professional risks, as well as property and equipment coverage for valuable hardware stored on-site. These coverages help ensure your business stays secure—whether you develop software, manage networks, or provide IT consulting.
Partnering with an insurance brokerage that specializes in tech industry risks makes it easier to find the right coverage at a competitive rate. Contact us today to learn how specialized technology firm insurance can help protect your business from disruption and keep innovation moving forward. -
Cyber Liability
Systems Breakdown
Commercial Property
Commercial General Liability
Professional Liability
Business Income
Commercial Umbrella
Business Automobile
Workers' Compensation
Professional Services Insurance
When your business provides personal or specialized services—such as wedding photography, beauty and spa services, financial advice, estate planning, or business consulting—having the right insurance is essential. Professional services insurance helps cover the costs associated with claims or lawsuits, protecting both your clients and your business.
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A customized policy can include property damage, general liability, and business income coverage designed to fit your business size and budget. This ensures your investment is safeguarded while giving you peace of mind to focus on delivering quality services.
Many clients require proof of professional services insurance before signing contracts. Having proper coverage not only protects your business but also demonstrates professionalism and reliability to the people you serve.
Contact us today to learn how professional services insurance can protect your business and help you thrive.
Fitness Centre Insurance
As a gym or fitness center owner, waivers alone aren’t enough to shield you from financial risks. Specialty fitness center insurance helps fill the gaps and keeps your business running smoothly.
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Fitness centres face unique risks, from injuries caused by improperly maintained equipment to professional liability claims for staff advice or health emergencies. Even issues with products you sell, like supplements, can create liability exposure.
A good policy also includes standard business coverage, such as workers’ compensation, employment practices liability, and protection for your buildings and equipment.
Contact us today to get the right insurance policy for your fitness centre.
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Commercial Property
Commercial General Liability
Commercial Umbrella Insurance
Employment Practice Liability Insurance
Professional Liability
Workers' Compensation
Business Income Insurance
Medical Office Insurance
Just as your patients maintain insurance coverage, your medical office should, too. Specialty medical office insurance helps protect your practice from the challenges of running a healthcare business.
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Medical office insurance can cover common business risks such as property damage, personal injury, liability for visitors, and loss of income if your office is temporarily unusable. It also protects against risks specific to healthcare, such as equipment breakdowns, spoiled medical supplies, data breaches, or the loss of paper records due to fire or other incidents.
It’s important to note that medical malpractice and professional liability for advice or treatment are typically not included and must be obtained separately.
Contact us today to learn more about how medical office insurance can protect your practice, your staff, and your patients.
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Business Owners Policy
Medical Records Coverage
Spoilage of Medical Supplies
Commercial Umbrella Policy
Cyber Liability
Regulatory Billing and Errors
Needlestick Injuries
Medical Equipment
Business Interruption
Employee Practices Liability Insurance
General Liability
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Since 1899, our team has proudly supported Southwestern Ontario with reliable coverage and trusted guidance.
Fill out the form, and one of our knowledgeable brokers will reach out to provide a personalized, no-obligation insurance quote.
Local service, long-standing relationships, and peace of mind — that’s the Miller Insurance Brokers promise.
Local Knowledge. Trusted Carriers. Personalized Service.
