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Best Small Business Insurance
Professional insurance brokers providing smart policies for your business at the most competitive price.
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Our Advantage
Why Choose Advantage Insurance
Coverage
Our Health and Wellness Business Insurance has combined coverage. Coverage and protection for small businesses and individual practitioners. Policies like RMT Insurance and Yoga Insurance in Ontario that meet or exceed any industry licensing requirements. We are raising the bar. We can increase the policy limit to $10,000,000 coverage for commercial general and professional liability.
Expertise
Our team of brokers has extensive knowledge in providing RMT, Yoga, Health & Wellness and Small Business Insurance to Canadians. We stand at the forefront of offering General and Professional Liability insurance to Health and Wellness practitioners in Canada.
Service
Our brokerage is 100% client-driven. With 24-hour claim service, online chat and text message, you can get all of your questions answered quickly. Or simply give us a call at 1-226-641-0777. You can also find us on social media. Check out the Healthy Broker today.
Price
We understand that as a business owner, you are price sensitive. We know things are tough out there these days. Now you can choose coverage and premiums that are right for you. EFFECTIVE IMMEDIATELY, we have added a MONTHLY payment option. Our online application and payment system makes it easy for you to get instant coverage at no additional cost.
Our Clients
Reviews
EXCELLENT Based on 27 reviews RaZ2024-05-03Trustindex verifies that the original source of the review is Google. Evan Barr2023-09-06Trustindex verifies that the original source of the review is Google. Excellent service. I had an issue and the process was quick and painless Soda P2023-08-22Trustindex verifies that the original source of the review is Google. Very easy and affordable process to get beauty liability insurance. Thank you Kyle Michielsen2023-05-15Trustindex verifies that the original source of the review is Google. Nick Lopers with Advantage insurance has been helping me for a couple of years, and he is fantastic. Nick and his team have consistently gone above and beyond for me, he always provides exceptional service and takes care of changes and additions to my policys in a very timely manner. Nick will make sure he explains all the details to you, and you know you will be getting the best rate as he is very experienced and knowledgeable. I have had other brokers in the past, however Nick certainly is the best. Keep up the great work! Adel Zubair2022-12-01Trustindex verifies that the original source of the review is Google. I spoke to Nick Lopers at Advantage Insurance brokers. He was prompt and really fast following up and getting us competitive insurance for our business. Highly recommend Nick and his company. The whole process was fast and easy, professional and friendly. Appreciate the work and great job done! Definitely recommend to other businesses. Thank you Sabrina Piano2022-09-30Trustindex verifies that the original source of the review is Google. Super efficient, friendly, affordable and quick to get what you need in terms of insurance. Highly recommend! Brad Dietrich2022-09-28Trustindex verifies that the original source of the review is Google. Quick, easy and fast! Thanks so much. Karen Vink2022-02-27Trustindex verifies that the original source of the review is Google. SKIN CARE BLVD2021-12-24Trustindex verifies that the original source of the review is Google. Chris was a pleasure to work with. He made this whole process very easy especially during a difficult time. I would definitely recommend him to others for their insurance needs. Merry Christmas and lots of success in the New Year.
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Cloud Engineer
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IT Programmer
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Marketing Manager
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Make Sure You & Your Business Is Protected
Insurance Coverage
We offer a multitude of coverages & limits. Our business insurance policy’s key elements are professional and general liability. Whether you are looking for business insurance for yourself, as an individual practitioner, or a business, we have the Coverage Advantage you need.
Professional Liability
Our brokerage is 100% client-driven. With 24-hour claim service, online chat and text message, you can get all of your questions answered quickly. Or simply give us a call at 1-519-488-9157. You can also find us on social media. Check out the Healthy Broker today.
Commercial General Liability
Slips and falls can happen in any business. Unfortunately, any business is not immune to minor accidents. If you are a sub-contractor, you can be responsible for accidents that occur in your place of business because of your negligence. These accidents could result in lawsuits. That is why commercial general liability insurance is imperative. Protect yourself and business with an insurance advantage. The General Liability policy also has several additional coverages automatically included at no additional charge.
Contents Coverage
Every small business needs insurance. From Health and Wellness businesses to electricians, you need additional coverage to protect your content, equipment and even their retail inventory. Our plans offer extensive coverage from custom decor to employee tools and equipment. Content coverage can be added to an insurance policy. It will protect from theft, fire, water, loss of income, etc. Insurance coverage with broad, comprehensive protection. Monthly payment plans are available.
Ensure You're Covered In An Accident
Real-Life Claims
Accident’s happen. That’s why it’s absolutely critical to ensure your small business is covered, no matter what happens. Here’s some examples of what can happen to any business.
Types Of Insurance
RMT Insurance
Get comprehensive coverage tailored for Registered Massage Therapists. Protect your practice with plans that cover liability, property, and professional risks.
Daycare Insurance
Ensure the safety and security of your daycare with our comprehensive insurance options. We cover liability, accidents, and property damage, so you can focus on providing excellent care.
Home & Tenant Insurance
Protect your home or rental property with our reliable insurance policies. We provide coverage for damages, theft, and liability to give you peace of mind.
Yoga Insurance
Safeguard your yoga studio with our specialized insurance packages. We offer coverage for liability, property damage, and injuries, ensuring a worry-free environment for you and your clients.
Health & Wellness Insurance
Our health and wellness insurance is designed for professionals in the industry. Cover your practice with our plans that include liability, property, and professional risk protection.
Hearing Practitioner Insurance
Our brokerage has years of experience in protecting regulated health professionals. We are excited to bring our expertise to the field of hearing. Our team knows what coverage is required.
Car Detailing Insurance
Our car detailing insurance provides protection for your business against liability and property damage. Keep your operations smooth and secure with our customized plans.
Car Insurance
Drive with confidence knowing you’re protected with our car insurance plans. We offer coverage for accidents, theft, and damages to keep you and your vehicle safe on the road.
Get Started In Less Than 5 Minutes
How It Works
1. Pick Your Coverage
Browse our wide range of insurance options tailored to fit your specific needs. Whether you’re a small business owner or need personal coverage, we’ve got you covered.
2. Get Started
Fill out our simple online form to receive a customized quote. Our team will provide you with a competitive rate that suits your budget and coverage requirements.
3. Get Coverage
Once you approve the quote, our team will finalize your policy quickly and efficiently. Enjoy peace of mind knowing you’re protected with comprehensive coverage.
Our Team of Expert Insurance Brokers Is Here For you
Have Questions?
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Industries We Specialize In With Extensive Experience
Years Of Experience In The Insurance Industry
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“At Advantage Insurance, we believe every small business should have access to affordable and comprehensive insurance. We started Advantage Insurance to support the entrepreneurial spirit that fuels Ontario’s economy. By offering personalized and cost-effective insurance solutions, we help protect the dreams and livelihoods of small business owners, giving them peace of mind to thrive in a competitive market. We’re committed to being a trusted partner, dedicated to helping the vibrant small business community in Ontario grow and succeed.”
David Stark, President
The premier insurance partner trusted by thousands of businesses across Canada.
Common Questions
Frequently Asked Questions
YES! Many professionals work from home. Our Professional and General Liability business insurance policy will provide full coverage if you work from home. It will also offer coverage if working in someone else’s home at no additional charge.
No. Virtually all homeowners’ policies exclude “business pursuits on-premises.” It is not uncommon for some carriers to cancel your homeowner (tenants or condo) policy if they find out you have a health and wellness business in your home and don’t have coverage. You should always advise your insurance company that you have a business in your home. If you have any problems, call us, and we can help!
Alternative Health is the majority of what we insure. We have specialized in it for many years. From small one-person operations to large Spas, Clinics and Salons, we make sure we understand the industry. You are a safe insurance risk due to all the excellent training you receive from professional regulators.
Yes. We are a Canadian owned and operated insurance brokerage located in Waterloo, Ontario. We only use Canadian licensed insurance companies with the best claims and service standards.
As a small business owner, you will have additional exposures you will need to insure. Things like contents, crime, accident and professional liability insurance to cover yourself and your space are a few types of coverage you will need. Business Insurance policies for professional liability insurance start at $79 a month.
YES! We know you may provide more than one type of service. Add additional advanced modalities to the Business Insurance policy for an extra, usually small, fee. Talk to your Healthy Broker, the Insurance Expert.
“A business or person that carries out work for a company.” Most health and wellness professionals that work at a Clinic, Studio or Spa are subcontractors. A subcontractor will have a contract with the business owner to perform specific services at an agreed rate (or percentage). A subcontractor will be responsible for paying their taxes, CPP & EI. A sub-contractor also MUST carry their own business insurance including, professional and general liability insurance.
Yes (unfortunately). In Ontario we must add 8% tax to each policy. Every province is different.
Sarah Fazure
Designer