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Begin Insurance started our journey in 2019 from the merger of two digital brokerages, IDEA Insurance and BTI Direct Insurance.
Both IDEA Insurance and BTI Direct Insurance believed in combining the best aspects of a traditional brokerage with the best aspects of an online platform. The result: Clients get the expert advice and personal touch from licensed brokers, as well as the efficiency and choice from a digital brokerage. And in 2019, the two joined forces to further enhance these advantages.
Coverage Types
Insurance coverage types
Commercial General Liability (CGL)
Protects against third-party claims for bodily injury or property damage. This essential business insurance coverage safeguards you from lawsuits and legal costs.
Professional Liability Insurance
Motorcycle insurance in Ontario depends on your bike type, age, driving record, location, and how often you ride. Compare quotes to save. Begin Insurance helps you get motorcycle insurance quotes tailored to your profile.
Commercial Property Insurance
Motorcycle insurance in Ontario depends on your bike type, age, driving record, location, and how often you ride. Compare quotes to save. Begin Insurance helps you get motorcycle insurance quotes tailored to your profile.
Business Interruption Insurance
Motorcycle insurance in Ontario depends on your bike type, age, driving record, location, and how often you ride. Compare quotes to save. Begin Insurance helps you get motorcycle insurance quotes tailored to your profile.
Commercial Auto Insurance
Motorcycle insurance in Ontario depends on your bike type, age, driving record, location, and how often you ride. Compare quotes to save. Begin Insurance helps you get motorcycle insurance quotes tailored to your profile.
Essential coverage for your business, assets, and people
Begin Insurance offers small business insurance solutions that provide essential coverage for the building you own, your inventory and office equipment, your actions and those of your employees. This includes any lawsuits you may be exposed to and the replacement of any lost income following a claim while repairs are underway. If you need a certificate of liability insurance for that big contract, we can offer Commercial General Liability or Errors and Omissions insurance to you quickly.
Categories
Business Insurance
by Categories
Every business faces unique risks. Begin Insurance provides tailored commercial insurance to protect your operations, assets, & employees supporting startups, home-based businesses, and growing enterprises so you can stay protected and focused on growth.
Retail & E-commerce Insurance
Protects brick-and-mortar stores and online retailers from theft, liability claims, and business interruptions.
Professional Services Insurance
Protects brick-and-mortar stores and online retailers from theft, liability claims, and business interruptions.
Construction & Trades Insurance
Includes coverage for tools, job site risks, liability, and workers’ compensation for contractors, electricians, and plumbers.
Food & Hospitality Insurance
Tailored protection for restaurants, cafes, caterers, and food trucks against spoilage, equipment damage, and customer liability.
Home-Based Business Insurance
Extends protection for entrepreneurs working from home, beyond what personal home insurance offers.
Health & Wellness Business Insurance
Insurance for gyms, salons, wellness coaches, and personal trainers, covering equipment, client injury claims, and professional liability.
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Our team brings together diverse expertise in insurance, technology, customer experience, and risk management to deliver solutions that truly protect and empower you. With a shared commitment to trust, transparency and innovation.
What We Do
Insurance that feels
easier to deal with
Up until now, insurance is always seen as a hassle because it’s something you need to have. At Begin Insurance, we aim to make insurance more approachable and change the way you interact with insurance and your broker.
Transparent advice with no hidden surprises
Ask us, even if you're not yet our client. We'd gladly go over every detail.
Don't understand certain terminology?
Check out our blog. We will explain everything in everyday language.
Have you been too busy to visit us?
We are paperless and can do everything over the phone and email.
New to Canada?
Our team can provide service in English, Cantonese, Mandarin and Spanish.
Feel better speaking in person?
Come visit us in Markham or Hamilton.
Quotetion Process
How to Get a Business Insurance Quote from Begin Insurance?
Share your business details
Provide basic information about your company so we can quote business insurance accurately, tailored to your needs.
We compare policies for you
Our experts shop the market, comparing every available business insurance policy to secure the best protection for your operations.
Choose the best quote & get covered
Review options, pick the right coverage, and lock in a competitive business insurance rate that fits your budget.
Connect with one of our brokers via chat or phone to see what we have to offer. We’ll be happy to review your existing coverage and see how we can extend that coverage and help you save.
Threats
Why Choose Begin Insurance as Your Business Insurance Broker?
Expertise you can trust
Experienced business insurance broker in Ontario, offering tailored advice for every industry and business size.
Support for small businesses
Wide market access
Customized coverage plans
Get business insurance plans built around your operations, assets, employees, and future goals.
Fast, transparent quotes
Easily compare business insurance rates and coverage options without hidden terms or confusing fine print.
Claims assistance and advocacy
From policy selection to claim filing, we’re with you every step, your dedicated insurance advocate.
WHY CHOOSE US
Why Begin Insurance?
At Begin Insurance, we believe insurance should start with clarity, not confusion. We simplify complex policies, provide honest guidance, and tailor coverage to your unique needs.
Transparent advice with no hidden surprises
Personalized coverage, not one-size-fits-all
Trusted Canadian insurance partners
Licensed experts and real human support
Simple quotes And clear explanations
Factors
What Factors Affect the Cost of Business Insurance?
The cost of business insurance in Canada or business insurance in Ontario isn’t one-size-fits-all. It depends on several factors unique to your business.
Understanding these can help you manage your business insurance rate effectively.
- Industry type: High-risk sectors like construction or manufacturing generally pay more than low-risk industries like consulting.
- Business size and revenue: Larger businesses or those with higher annual revenue may face higher premiums due to increased liability.
- Location: Businesses in urban centres or high-traffic areas in Ontario may pay more due to greater exposure to risks.
- Coverage amount and type: The more comprehensive your coverage (property, liability, cyber, etc.), the higher the insurance cost.
- Number of employees: More staff often means greater exposure to liability, affecting your business insurance rate.
- Claims history: A clean claims record can help lower premiums, while frequent claims may increase your rates.
- Business assets and equipment: The value of your physical assets, equipment, and inventory can impact property insurance rates.
At Begin Insurance, we tailor solutions based on your needs, offering personalized guidance and competitive quotes for business insurance in Ontario.
Threats
What Are the Top Threats to Your Business?
01
Property damage
Fires, floods, or natural disasters can cause costly damage to your physical premises & equipment, leading to downtime or loss.
02
Cyber attacks & data breaches
Hackers and data breaches can compromise sensitive information, disrupt operations, and result in legal and reputational fallout.
03
Business Liability claims
Third-party injuries or property damage caused by your business operations can lead to expensive lawsuits and settlement costs.
04
Employee-related risks
Workplace accidents, theft, or wrongful termination claims can disrupt workflow and affect your company’s finances and reputation.
05
Business interruption
Unexpected events like pandemics or supply chain disruptions can halt operations, affecting revenue and customer trust.
06
Product liability
If your product causes harm or fails to perform, you could face legal action, claims, and significant damages.
07
Equipment breakdown
A sudden failure in essential machinery or tech systems can stall production and incur emergency repair or replacement costs.
Table
Table Style
| Material | 40-10 um |
| Wall Thickness | Biological and Synthetic particle |
| Exterior Dimensions | 10-1000 mM |
| Weight | PBS, HEPES, MES, KCL, Serum etc. |
| Temperature Range | +/- 2500 Pa |
| Optional Features | 1 nm |
Reviews
What people are saying
Céline Braumann
27 Feb, 2025
Veronica Mossop
27 Feb, 2025
Mushie marshall
27 Feb, 2025
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Clients
Begin Insurance welcomes you to call us or email us for any inquiries; we’re always happy to help! For those who prefer to do things online or like 24/7 access, check out these insurance tools available for our clients:
Client Login
Manage your policy, print documents, manage your claim, request policy changes.
Emergency Contacts
Need claim help? Find Emergency Contact numbers for your insurance company, or start a claim online.
Insurance App
Easily access your insurance documents online, such as policy details and pink slip.
Responsibilities
Responsibilities
An established person in our industry eager for change. You want your ideas heard and you thrive in a dynamic environment. You want the flexibility you need and the technology to support you. You may be looking to work from home or want to take the next step in your career.
