Small Business Insurance

Entrepreneurs and Small Business insurance is designed for business owners building ventures from the ground up. With over 1 million small businesses in Canada, flexible coverage helps protect against general liability, property loss, and the wide-ranging risks that come with launching and growing a business.

Entrepreneurs and small business owners face a wide range of risks, from client interactions and property damage to operational interruptions.

At Oracle RMS, we help protect your business, personal assets, and long-term growth. 
Oracle RMS website section for small business key professions featuring a male and female florist arranging bouquets in a flower shop next to a professional list.

Key Professions

  • Startups 
  • Sole proprietors 
  • Small business owners 
  • Consultants 
  • Franchise owners 
  • Online businesses 
  • Trades and service providers 
  • Independent contractors 

Key Coverages

Why Choose Oracle RMS

Oracle RMS provides customized insurance solutions designed to grow with your business. Speak with a licensed broker today or request a quote to protect what you’re building. 

Frequently Asked Questions

What insurance does a new small business need?

At a minimum, most small businesses need commercial general liability (CGL) insurance. Depending on your industry, you may also need commercial property, professional liability (E&O), commercial auto, and cyber insurance. Your Oracle RMS broker will help determine the right combination based on your operations and risk exposure. 

Costs vary widely depending on your industry, revenue, number of employees, coverage types, and limits. Many small businesses can obtain a basic CGL policy starting from a few hundred dollars per year. Your broker will source competitive quotes tailored to your specific business. 

A BOP bundles commercial general liability and commercial property insurance into a single, simplified policy, often at a lower combined cost than purchasing each separately. It is a popular option for small businesses with straightforward coverage needs. 

Yes. Many clients, landlords, and general contractors require you to provide a certificate of insurance before starting work. Oracle RMS issues certificates promptly and ensures your coverage meets the specific requirements outlined in your contracts. 

Industry