Liability Insurance for Canadian Businesses and Professionals
Get Professional Liability and Commercial General Liability in One Simple Process.
Protect your work with Professional Liability and Commercial General Liability coverage through Aon Affinity. Apply online for select programs, speak with licensed advisors, and get your certificate after binding. Programs fit small businesses, professionals, franchises, associations, and corporations across Canada. Get a quote today.
Why Aon Affinity?
- Broad market access for better pricing and terms
- Tailored programs for groups, associations, and specialized markets
- World-class operations for fast certificates, invoicing, and reporting
- Flexible billing and monthly payments, where eligible
Who We Help
- Small business owners and independent contractors
- Professional associations and member groups
- Franchise systems and owner-operators
- Corporations and enterprise teams
- Places of worship and non-profits
- Financial and insurance advisors
Choose Your Coverage
Professional Liability (Errors & Omissions)
Covers claims that your advice, services, errors, or omissions caused a client financial loss. Often required in contracts and RFPs. For licensed and knowledge-based work.
If you meet the public and provide paid advice, carry both. CGL covers physical losses. E&O covers financial losses.
Commercial General Liability (CGL)
Helps protect against third-party bodily injury, property damage, and personal or advertising injury from your operations. Often required by landlords and job sites.
What’s Included at a Glance
Professional Liability Highlights
- Alleged negligence, errors, or omissions
- Financial loss from your advice or services
- Duty to defend and defence costs
- Retroactive date and extended reporting options
- Options by profession and regulator
CGL Highlights
- Bodily injury to others
- Damage to others’ property
- Personal and advertising injury
- Tenants’ Legal Liability.
- Medical payments, where eligible
- Defence costs
- Add-ons by trade or sector
Professional Programs
Purpose-built coverage for regulated and non-regulated professionals, including:
Group and Industry Programs
- Association Programs: Give your members group coverage. Simple enrolment, certificates, and renewals.
- Franchise Programs: Provide consistent protection and support across every location.
- Owner-Operator Programs: Pick flexible options for independent business owners.
- Corporate Programs: Cover complex operations. Get multi-location support, higher limits, and contract wording help.
- Places of Worship: Protect your buildings, services, events, and volunteers.
- Programs for Financial and Insurance Advisors: Get E&O and cyber built for advisory work.
How It Works
1. Start Your Quote
Answer a few questions about your work, team, and revenue.
2. Choose Coverage
Pick CGL, Professional Liability, or both. Select limits and deductibles.
3. Contract Check
We review client or landlord wording and add additional insured, waiver of subrogation, and primary and non-contributory terms if needed.
4. Price and Terms
Bind instantly on eligible programs. For others, we shop multiple carriers and present options.
5. Bind and Pay
Pay online. Monthly payments, where eligible.
6. Get Proof Fast
We issue policy documents and certificates the same day on most accounts.
7. Ongoing Support
Unlimited COIs, policy changes, renewals, and claims support.
What You’ll Need
Business details, services, locations, revenue, prior claims, and any contract requirements.
If You’re Not Eligible Online
We connect you with an advisor to finish the quote and place coverage.
Proof of Insurance
Need a certificate for a landlord, client, or tender? Request your COI after binding so you can start work without delays.
Risk Management and Advisory
We help you spot, measure, and reduce risk in your field. We review your contracts, limits, and endorsements and flag gaps. You get clear checklists and industry claim trends.
Operations and Self-Service
World-Class Operations Centre
- Same-day certificates and documents
- Accurate invoicing and clear statements
- Project and bulk COI support
- Scheduled reports and audit-ready logs
- A team you can reach by phone or email
- Manage policies in one secure portal
- Request COIs, add additional insured, and track status
- Download documents, view invoices, and make payments
- Check claim status and upload files
- Available 24/7
Frequently Asked Questions
Who can apply?
Professionals, small businesses, franchises, corporations, associations, and places of worship across Canada.
Yes. Our teams support you from reporting through resolution and advocate on your behalf.
Do you offer advisory services?
Yes. We provide risk management and analytics to help you understand and reduce exposure.
Are subcontractors covered?
Coverage depends on your policy and contracts. We review terms with you.
When does coverage start?
On the effective date you choose, once payment and binding are complete.
Can I manage my policy online?
Yes. Use Aon Direct to request COIs, track claims, download documents, and view invoices 24/7.
Do you offer other coverages?
Yes. Cyber, property, business interruption, commercial auto, umbrella, D&O, and EPL are available.
Contact Us
Have questions about a new policy, need help with an existing policy, or want to discuss a claim? Our team is ready to help.
Hours of Operation: Monday to Friday, 8:30 a.m. – 4:30 p.m.
Phone: 1.877.766.3093
Email: [email protected]
Emergency claims support is available 24/7. Refer to your policy for the correct emergency contact.