Commercial Insurance

At Halpenny, we are committed to the success of your business.

We've Got Your Business Covered

Our aim is to build a strong relationship with you by finding the best coverage for your business and support you over the long-term. Satisfactory resolution of insurance claims is how we have built our business since 1912. Your business provides a living for you and your family. We can help keep your business and your employees secure.

Commercial Insurance Coverages

Frequently Asked Questions (FAQ)

No – nothing can prevent your business from being sued. Good business practices reduce the probability of a lawsuit but a person or organization can sue your business for almost anything – frivolous or justified. Your business insurance coverage can help you pay to defend allegations or actions against your business.

Coverages Available

Protecting against losses arising out of the manufacturing, use or operation of an aircraft.

Covers the sudden and accidental, physical damage to equipment that requires repair or replacement.

Covers against a loss of income that could impair a company’s revenue stream and possibly trigger a shortfall in covering the ongoing costs of doing business.

Protection against possible damage to business property

This coverage insures the value of a building which is in the process of being built. The structure, materials, equipment and supplies kept within 100 feet are all covered under this policy.

Coverage for leased or owned vehicles. Putting multiple company vehicles under one fleet policy may be in your best interest.

This policy provides payment in the event of a “liability” loss that causes injury or property damage during the policy period only – “occurrence” form. It protects your business against liabilities that arise from your daily operations, the products you sell, or the services you render.

No matter how small or big your company is, this customized coverage is essential for all contractors.

Protect yourself from financial loss due to criminal activity such as: fraud, theft, forgery and/or kidnapping.

Mitigate risk exposure by offsetting costs involved with recovery after a cyber-related security breach or similar event

Provides coverage for defense costs and damages arising from wrongful act allegations, neglect and lawsuits brought against an organization’s board of directors and/or officers.

Provides coverage to employers against claims made by employees alleging: Discrimination (based on sex, race, age or disability, for example) Wrongful termination and many more.

Protect your business from the continuously changing environmental landscape.

Liability insurance policy that provides protection against loss incurred by a client because of some negligent act, error, or omission by the insured. The insured is normally a professional or consultant.

Insurance solutions such as professional liability and privacy liability for software and IT service providers, manufacturers of electronics, and the telecommunications industry.

Whether you’re renting out condos, apartments or houses, make sure you’re protected.

We will provide you with comprehensive marine insurance coverage no matter the type of boat.

No matter the size of your municipality, we work closely with you and make sure that you are protected  for your specific needs.

We offer a tailored solution to non-profit organizations. Contact us today to find out more.

Whether licensed or unlicensed, we’ve got the right coverage for your restaurant(s).

Wholesale insurance is coverage for employer groups that are too small to qualify for true group coverage.

Surety bonds protect the obligee against losses, up to the limit of the bond, that result from the principal’s failure to perform its obligation or undertaking. 

Protect your trucks or fleet with commercial trucking insurance.

Liability policy that serves as all-encompassing insurance that protects all contractors and subcontractors working on large projects costing over $10 million. 

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Halpenny Insurance Brokers started in 1912 by serving the region of Westboro and has now grown to become the largest independent insurance broker for Ottawa and Eastern Ontario.



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