Your Business Deserves Coverage That Actually Covers
We're a Toronto insurance brokerage — launched in 2026 as a new division of Tangerine Bank, still answering our own phones — that helps small and medium-sized businesses find the right coverage, understand what they're paying for, and have someone in their corner when a claim hits. We compare forms, limits, and pricing across 20+ licensed Canadian carriers so you get coverage built for your specific operation — not a generic template. Think of it this way: if you don't understand your policy, you don't actually have one.
Partnered With 20+ Licensed Canadian Carriers
We shop your coverage across Aviva Canada, Intact Insurance, Definity, Wawanesa, Northbridge, Chubb, and more — comparing policy forms, per-occurrence limits, aggregate structures, pricing, and claims reputations — so you don't have to. Because we're a broker, not an agent, we represent you, not any single insurer. There's no extra cost for this (our commission is built into the premium you'd pay anyway).
What Clients Say
Don't Take Our Word for It — Take Theirs
I've been with Tangerine Insurance since 2019. When our refrigerated van broke down before a 300-person wedding, I called Marcus at 6 AM on a Saturday. He picked up on the second ring, walked me through what was covered, and helped me file the claim before the reception even started. The $7,200 spoilage claim was paid in 19 days. Our previous broker took a week to return a voicemail.
Miriam TheodorosOwner, Queen's Plate Catering Co.
My father almost lost this business because our old policy had an exclusion nobody told us about. Elena sat with us for two hours — not to sell us anything, but to show us where we were exposed. She found the completed operations gap that would have bankrupted us. Six years later, we don't even look at other quotes. Why would we?
Rajiv PatelCo-Owner, Patel & Sons Mechanical Ltd.
Our previous broker quoted us $11,000 for product liability. James placed the same coverage — actually better coverage — for $4,200 because he understood apparel manufacturing classifications. That's not a rounding error. That's $6,800 a year we now spend on fabric and production.
Kwame AsanteCEO, GreenThread Apparel
So, What Do We Actually Do?
You might be wondering whether you need a broker at all — maybe you've been buying direct or your current agent seems fine. Here's why that matters: an insurance agent represents one insurance company. A broker represents you. We compare forms, limits, and pricing across 20+ carriers. There's no extra cost to you (our commission is built into the premium), and the difference in coverage quality can be enormous. A wrong classification code alone can inflate your premium by 15–40%, and the wrong policy form can leave you uninsured for the exact risk your industry faces most.
Protection
Commercial General Liability
Covers third-party bodily injury and property damage arising from your operations. We review the specific CGL form — occurrence vs. claims-made — scrutinize the exclusion schedule for your industry, and negotiate endorsements like completed operations, additional insured, and waiver of subrogation to close gaps. Every placement runs against our 47-point checklist developed from 37 years of claims data. Standard placements start at $2M per-occurrence / $5M aggregate for most SMBs.
Professional Risk
Professional Liability & E&O
For businesses that provide advice, services, or designs. A management consultant's E&O policy reads very differently from a software developer's technology E&O — we match the form to your specific professional exposure, not a generic template. We also manage retroactive dates carefully during broker transitions, because a shifted prior-acts date can silently eliminate protection for everything before it. James placed Bloom Digital's tech E&O through Chubb and saved them from a $95,000 uninsured claim.
Assets
Commercial Property Insurance
Buildings, contents, equipment, inventory — insured at current replacement cost, not the number from three years ago. We update valuations annually and place agreed-value endorsements that pre-agree on insured values with the carrier. That eliminates coinsurance penalties and depreciation disputes at claim time. When a pipe burst above Steeles Crossing Medical Centre's ultrasound suite, the $67,000 claim was fully covered because Priya had placed agreed-value endorsements just six months prior.
Continuity
Business Interruption Coverage
Covers the revenue you lose when a covered peril forces a shutdown. We calculate the realistic indemnity period based on your trailing 12-month financials and ensure limits account for fixed costs — rent, payroll, loan payments, insurance premiums — that don't stop just because your business did. This is one of the most commonly under-insured coverages in the SMB market, and the gap only becomes obvious when you need it most.
Governance
Directors & Officers Liability
Protects personal assets of corporate directors and officers against claims of wrongful acts — breach of fiduciary duty, mismanagement, employment practices violations. We structure D&O with Side A (individual director protection when the company can't indemnify), Side B (corporate reimbursement), and Side C (entity coverage) components tailored to your governance structure. Essential for any business with a board, investors, or fiduciary responsibilities.
Data Protection
Cyber Liability Insurance
If your business stores customer emails, credit card numbers, employee SINs, or health records, you have exposure that your CGL policy explicitly excludes. A breach affecting just 5,000 records can generate $200,000+ in response costs. We size standalone cyber policies based on your actual data footprint — covering forensic investigation, breach notification, credit monitoring, business interruption, and regulatory defense — typically $1,200–$3,500/year for small businesses.
Coverage Built for How Your Industry Actually Works
Insurance premiums are calculated using industry classification codes — and the wrong code can inflate your costs by 15–40%. More importantly, each industry faces risks that generic policies miss entirely. A restaurant needs host liquor liability and spoilage coverage. A contractor needs completed operations and WSIB classification review. A tech firm needs technology E&O with proper retroactive dates. We maintain deep expertise across six core verticals so we can catch what generalist brokers overlook.
Contractors & Trades
CGL with completed operations, commercial auto, surety bonds, WSIB consulting. We found the exclusion that would have cost Patel & Sons $180,000.
Professional Services & Tech
Technology E&O, cyber liability, D&O. James placed Bloom Digital's coverage through Chubb and reduced their total premium by $1,100.
Food Service & Hospitality
Liquor liability, spoilage endorsements, fleet coverage, event cancellation. Marcus closed $2.5M in gaps for Queen's Plate Catering.
Healthcare & Medical Clinics
Facility-level CGL, agreed-value equipment coverage, tenant's legal liability, cyber for patient health records. Six clinics and counting.
Manufacturing & E-Commerce
Product liability, stock throughput, warehouse contents valuation. GreenThread's product liability: $4,200/year instead of $11,000.
Property Management
Multi-property blanket coverage, D&O for management entities, umbrella liability. 340+ units covered across the GTA.
The Numbers Behind the Reputation
Over 60% of our new clients come from referrals by existing clients. We've never run a paid ad. These numbers are the reason why.
Real People. Assigned to Your Account. Answering Their Phones.
Every client gets one assigned broker — a RIBO-licensed professional who knows your business, your policies, and your claims history. Not a call centre. Not a rotating queue. A person you can call by name at 6 AM on a Saturday if that's what the situation demands. Our team brings 37 years of combined industry experience across commercial underwriting, claims adjusting, and risk management — from carriers like Aviva Canada, Intact Insurance, BrokerLink, and Aon.
Join 4,200+ Policyholders Who Sleep Better
You don't need to understand insurance jargon — you need a broker who does, and who'll explain it in plain language over coffee (or a phone call at 6 AM on a Saturday, if that's what it takes). Whether you want a full coverage review, need to file a claim, or just have a question about your existing policy, the first step is the same: a conversation. No pressure, no obligations — just an honest assessment of what you actually need.
📞 (416) 555-0100 — a person answers, every time.