Commercial Insurance Broker

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To mitigate your risks so you can create a more resilient business.

We work with businesses in some of the world’s most multifaceted industries. Our experience lets us identify the business risks your company faces on a daily basis. We then use our niche-focused creativity to find bespoke solutions to protect you against these ever-changing risks. 

As an independent broker, we are passionate about doing the right thing for you. Our certified risk managers and brokering team create the best coverages for your business at the market’s best rates. Our claims advocacy team fights to ensure your claims are processed and paid promptly.

Hamilton Commercial Insurance Solutions

It is essential to protect your business with the right insurance policy. As a full-service brokerage specializing in commercial insurance, Lawrie Group Insurance can help Hamilton business owners find a wide range of insurance products. For example, in addition to a standard business insurance policy, we can help you find builder’s risk insurance, cargo and marine insurance, commercial auto insurance, errors and omissions insurance, product recall insurance, several liability insurances and many more. Contact Lawrie Group today to learn more about our personalized commercial insurance solutions, including the coverage that comes with each. In the meantime, here are a few of our most popular types of commercial insurance:

Commercial Property Insurance

Protect your business from the inside and out from fire, vandalism, theft and more. Commercial property insurance protects not just the building but also your inventory, electronics, equipment, files, fencing, landscaping and more.

Commercial Auto Insurance

If you drive a vehicle in Hamilton for work, whether it be your car as an uber or just a van to transport tools and equipment, you need commercial auto insurance. It automatically comes with third-party liability, direct compensation, uninsured auto and accident benefits. This coverage protects company vehicles, along with the driver and any passengers, from injury, damage, collision, vandalism and theft. 

Business Interruption Insurance

Protect your company from disruption due to unexpected events, such as natural disasters and cyber-attacks. Don’t let an insurable loss impact your business by safeguarding your income, profits and expenses.

Cyber Risk Insurance

Most businesses today store customer information digitally. Cyber Risk Insurance protects your business from associated costs due to a data breach or cyber attack that has compromised employee and client information or damaged your computer systems. 


Lawrie Insurance Group helps your business reach new heights. Whether you manufacture aircraft or you operate an airline, you need a specialized risk management strategy. We have the expertise and the global connections to help you safeguard your business.

Looking for a holistic solution for all of your aviation protection needs? You need our AeroTech Advantage.

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Builders Risk
As a contractor or builder, having insurance protection for your projects is absolutely critical. We can make sure you have the right Builders Risk Insurance coverage to protect your buildings and materials. The last thing you want is damage, loss or theft to slow down construction or renovations.

Looking for a holistic solution for all of your building protection needs? You need our Developers Advantage.

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Business Interruption
We’re living in a complicated world where losses from natural disasters to cyber-attacks can impact businesses and lives. Business Interruption Insurance protects your company from disruption due to unexpected events. Our experts can help you put the coverage you need in place to safeguard your income, profits and expenses until you’re back up and running.

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Cargo and Marine
What would happen to your company if an entire shipment were lost, damaged or destroyed? Cargo and Marine Insurance protects your products and your clients’ products, during shipping, whether by land, sea or air. Regardless of your industry or your shipping method, we can help you find the right solutions for your business.

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Commercial Auto & Vehicle
Have you ever thought about the risks you’re exposed to every time your company vehicle leaves the parking lot? Bad weather, road conditions and other drivers jeopardize your employee’s safety, along with your business. We can help you find the right Commercial Auto/Vehicle Insurance to protect your company vehicles from theft, vandalism, damage or collision. With proper coverage your company can survive these and other risks.

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As a business owner, being protected from loss due to fraud and other dishonest acts is critical to your success. You can rely on our expertise to find Crime Insurance that protects you from fraudulent activities. We can make sure threats such as theft, forgery, misappropriation of funds or cyber fraud don’t impact the success of your business.

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Cyber Risk
Any business that stores data on a network needs Cyber Risk Insurance. Cyber-attacks can compromise employee and client information, damage your computer systems and, ultimately, lead to financial loss. Since there’s not a standard cyber-risk policy for all businesses, our team of experts can help you wade through all the options to determine what your organization needs.

Looking for a holistic solution for all of your data and network protection needs? You need our Connexion Advantage.

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Each new project, whether small or large, offers vast opportunities – and risks.

As development and construction experts we can help you reduce the overall risk on all of your projects. Our tailored offerings include risk evaluation and loss prevention.

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Directors and Officers Liability
Directors and Officers Liability Insurance protects organizations, and their leaders, from a multitude of allegations as well as statutory liabilities and penalties resulting from their actions – and inactions – associated with the businesses they oversee. By obtaining the appropriate coverage, we can help you safeguard the future of your business as well as your leaders’ personal assets.

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Employers Liability
This insurance protects you from any job-related injuries or illnesses that are not covered, or not adequately covered, under Workers’ Compensation or General Liability. Your employees are your most critical asset. We know you want to keep them safe, but accidents do happen. We can help you put this additional coverage in place so you, and your team, are protected from all angles.

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Employment Practices Liability
From the moment you interview your first employee, you have employment related liabilities. Employment Practices Liability Insurance protects you from claims related to wage/hour disputes, discrimination, harassment or human rights actions, retaliation and unlawful termination. This insurance covers losses and pays for high defense costs (which can be thousands of dollars). As an industry leader in employment practices liability, we’ll review all of your employee related exposures and find the coverage you need.

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Environmental Liability
There are more environmental sensitivities and regulations now than ever before. If there’s any possibility your business practices could contaminate the environment, then consider adding Environmental liability Insurance. This policy covers sudden or gradual pollution, cleanup costs, bodily injury as well as property damage. Once we’ve helped you assess your organization’s environmental impact, we’ll find the best protection possible.

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Equipment Breakdown
If you experience any business equipment breakdown (computers, production machinery, construction equipment, HVAC systems and refrigeration equipment), Equipment Breakdown Insurance can cover business losses and the cost of expensive repairs. By providing you the proper insurance, we help your business avoid any loss of income and productivity.

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Errors & Omissions
If, through your business, you give professional advice or provide a service, you most likely need Errors & Omissions Insurance. This insurance protects your company, and your employees, from any errors, omissions or misleading statements. We can help your company avoid any significant financial losses by obtaining the appropriate coverage that corresponds to your business.

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Garage Auto Liability
Garage Auto Liability Insurance covers any injury or damage that occurs through your business operations arising from vehicles in your business’s care, custody or control. As insurance experts, we understand the unique nature of this insurance. We can find a garage auto liability policy that addresses your needs, at the right price.

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General Liability
General Liability Insurance protects you against claims resulting from injuries and damage to people or property. If you own a business, drive a car or have a practice (law, medicine, dentistry), you should have a general liability policy. Considering the scope and depth of this type of insurance, our experience and knowledge can help you determine your overall coverage needs. And we’ll ensure you have the best protection, at the best price.

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Kidnap & Ransom (K&R)
If you, or your employees, travel to countries where kidnapping is a prevalent risk, you should think about getting Kidnap & Ransom Insurance. We can help you set up this policy so you’re protected from any financial loss you may incur from kidnapping, extortion and ransom demands. Important tip: don’t tell anyone you have K & R Insurance as it raises your risk of being kidnapped and may void your policy.

Looking for a holistic solution for all of your protection needs outside the country? You need our International Advantage.

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Political Risk
With trade wars, cyber-attacks and protest movements on the rise, we live in difficult political times. Political Risk Insurance protects your employees, income, assets and operations from dangerous political events. Some threats covered include: political violence, expropriation, currency inconvertibility and non-payment. Regardless of the size of your business, we can safeguard your business from political instability.

Looking for a holistic solution for all of your protection needs outside the country? You need our International Advantage.

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Product Recall
As a manufacturer, or a business involved in supply distribution, Product Recall Insurance is essential for your business. With our experience and connections, we can protect you from any losses related to customer notification, shipping costs and disposal costs.

Looking for a holistic solution for all of your product protection needs? You need our ManuTech Advantage.

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This insurance protects your business from damage to your physical assets due to unforeseen events. From large building schedules to complex equipment, our experts can help you assess the property values exposed to potential loss, identify hazards and find you the appropriate coverage to protect your business so you can recover from loss.

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Many contracts require a financial guarantee that can be addressed with surety bonding including customs as well as excise bonds to lost documents bonds. Our experts can help facilitate contract bonding with flexible terms and higher aggregate limits through our preferred Surety Agreements.

Looking for a holistic solution for all of your contract protection needs? You need our Developers Advantage.

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Trade Credit
When you enter into trade credit agreements there’s a chance you won’t get paid. We can help you put Trade Credit Insurance in place to protect your business’s accounts receivable from loss due risks like default, insolvency or bankruptcy.

Looking for a holistic solution for your accounts receivable and trade protection needs? You need our International Advantage.

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Umbrella & Excess
Many businesses are not adequately protected by the limits placed on their Commercial General Liability Insurance. Umbrella Insurance provides coverage beyond the limit of one or more liability policies. Excess Insurance, on the other hand, provides coverage on one underlying liability policy when it reaches its limit. Umbrella & Excess Insurance can be applied to your General Liability Insurance as well as Employer’s Liability Insurance and Commercial Auto Insurance. Let us help you understand the complexities of this insurance and find you the best coverage.

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War & Terrorism
If you conduct business in countries with unstable political reputations, you should think seriously about adding War & Terrorism Insurance to your risk management plan. This insurance covers losses caused by civil unrest, invasion, insurrection, terrorist attacks, hijacking, illegal incarceration and political violence. Our team of experts can find you coverage to safeguard against these dangers and more.

Looking for a holistic solution for all of your protection needs outside the country? You need our International Advantage.

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Workers' Compensation
If you have operations in the U.S., you’ll need Workers’ Compensation Insurance for your employees who work south of the border. We know that workplace injuries happen. That’s why we want to protect your business with a workers’ compensation policy that protects your business and compensates your employees.

Looking for a holistic solution for all of your protection needs outside the country? You need our International Advantage.

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Wrap-up Liability
Wrap-Up Insurance is a way to protect your projects and your workers. Think of it as a blanket policy that “wraps-up” or combines General Liability and Excess Liability. We can help you broaden your coverage to increase worker safety and, in the long term, lower costs. Normally, this program runs for the length of a project.

Looking for a holistic solution for all of your building protection needs? You need our Developers Advantage.

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Claims Advocacy

When the unexpected happens, we work for you.

We live in a world that changes every day. We don’t know when the worst will occur. But, you can trust our Claims Advantage team to support you and your business, especially when you have a claim. We use every advantage and tool – our knowledge, expertise and contacts – to get the best possible results for you.

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Enterprise Risk Management
Threats, dangers and hazards can interfere with your company’s operations and objectives.

Let our team of experts help you create your Enterprise Risk Management Strategy. We assess and prioritize all the relevant company and industry risks to implement control measures to mitigate your exposure to those risks. We then help you make decisions on the risk transfer and insurance options you need to manage them.

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Group Home & Auto Program
You and our employees could save up to 40% on home and auto insurance through this group program.

We take advantage of our strong insurance relationships and the power of group buying to offer you and your employees home and auto insurance at significantly lower rates. Quality insurance with lower premiums is a great employee benefit. Plus, we take care of most of the administrative duties. Really, it’s a win-win.

Learn more about our Group Home & Auto Program.

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International Placement
Put our extensive global network of insurance providers to work for you.

Regardless of where you do business, we can help you establish a customized international insurance program that protects your operations and your employees globally. With our world-wide connections, we can protect your company from costly losses with boots on the ground in any continent you operate in.

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Mergers & Acquisitions
Customized Mergers & Acquisitions Insurance solutions can help you reach a success deal.

When making your merger or acquisition plan, you need to think about the risks and insurance issues that can affect your negotiations. We have the experience to help you avoid contract, tax or litigation risks that can jeopardize the success of this significant transaction.

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Property & Casualty Risk Services
Having the right property and casualty protection can help your business survive when a disaster happens.

This insurance program often bundles different policies such as Crime, Cyber Liability, Errors and Omissions, General Liability, Property and Workers’ Compensation. Our property and casualty risk experts work with you to determine the coverage you need so you’re protected on all fronts.

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Transportation Fleet Risk Services
A comprehensive, tailor-made fleet risk management strategy will keep your vehicles on the road.

We can help you build a risk management program that specifically addresses your business’s unique transportation exposures. By taking into account factors like vehicle maintenance, training, and performance, we’ll give you recommendations that protect your fleet and your profits.

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Workplace Safety
A proactive workplace safety program protects your employees and promotes productivity.

By assessing your business’s safety exposures, we can help you develop a tailor-made program that includes policies, procedures and training. Together we can decrease the number on-the-job accidents as well as compensation costs. As an added bonus: your employees will appreciate that you care about their safety.

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What does business liability insurance cover in Hamilton?

Business liability insurance (also sometimes referred to as slip and fall insurance) protects businesses against third-party claims related to bodily injury, property damage and more. With this type of insurance, medical expenses, repair bills, legal fees and more can be covered in the event of a third-party lawsuit. As slips and falls are one of the most common claims that businesses face, especially in the colder months, it’s essential for businesses in Hamilton to have this coverage. 

Business liability insurance also covers more than just slip and fall injuries. It protects the company’s assets, and it covers legal expenses and settlement fees in the event that a business is faced with a third-party grievance. It pays for medical costs if a customer or employee is injured on the business’s property. It also covers claims against false or misleading advertising (e.g., libel, slander, and copyright infringement).

For companies that rent a spot on a commercial real estate property, it protects them against floods, fire, mould, vandalism, theft and more. It also protects them from extreme weather, such as strong winds blowing a branch through a window.

Who needs business liability insurance in Hamilton?

Businesses of all sizes across all industries can benefit from business liability insurance in Hamilton. Nevertheless, small businesses, in particular, are more vulnerable to risk without proper insurance.

What is the difference between an insurance agent and a broker in Hamilton?

A Hamilton insurance broker works for an insurance brokerage while an insurance agent works for a specific insurance company. Insurance brokers possess knowledge and experience navigating the insurance market for insurance products from a wide range of companies, while insurance agents specialize in their company’s specific products. To summarize, insurance brokers work for the customer and insurance agents work for the company.

What is the role of insurance brokers in Hamilton?

Hamilton insurance brokers can help you find the right insurance policy for your business at a great price. A Hamilton insurance broker is like having a middleman going back and forth between the insurance company and the customer. With an insurance broker, their priority is to put the customer’s needs first instead of a company, as they work independently of an insurance company. They take the time to get to know your needs and wants to ensure the coverage they find will reflect your lifestyle. They then do the work for you by contacting the top insurance companies in Hamilton on your behalf to gain and compare quotes and policies. Their knowledge and skills in navigating the insurance market help them find you the best coverage at the best rate. 

Sometimes people choose to purchase insurance directly from an insurance agent because they can receive it more quickly. Insurance agents do not have several companies to compare policies with, so customers can buy their policy right away, unlike an insurance broker who has to submit an application to the insurance company once the customer has approved a quote. However, on the flip side, because insurance brokers can compare quotes with several companies, you often get a better policy at a much better rate when you choose a broker in Hamilton. In short, insurance agents work for the company, and insurance brokers work for the customer.

Why use a broker to get insurance in Hamilton?

Using an insurance broker to purchase insurance in Hamilton offers so many benefits. First, insurance brokers work independently of insurance companies, which allows us to provide our unbiased, objective opinion on the best policy for your home. Second, we do all the work for you, contacting the best insurers in Hamilton and comparing quotes on your behalf. With a Hamilton insurance broker, you can expect personalized service, as most will live and work within the community they serve.

How much does it cost to have a Hamilton insurance broker?

Nothing! Brokers are paid by insurance companies each time they sell a customer a new policy and provide ongoing customer support for. This means that there are no fees for you to work with one.

Our Global Reach

Trusted Partnerships

We work hard to develop and maintain our industry alliances in Canada and around the world. These strategic relationships help us expand our network, services and expertise.

Third-party liability coverage 

Third-party liability insurance protects you should you get into an accident that injures another person or results in property damage to another person’s property. It covers the costs of any legal or court fees, associated medical expenses and repairs of a damaged car. Ontario requires you to carry a minimum of $200,000 in third-party liability coverage.

Direct compensation - property damage coverage

If you are in an accident but not at fault, direct compensation coverage protects an insured car and its contents by covering the costs of any property damage, such as repairing or replacing a vehicle. 

Uninsured automobile coverage

Should you be involved in an accident with an underinsured or uninsured driver who is deemed at fault for the collision, this coverage will kick in to cover any associated medical expenses due to injuries, as well as car repairs, lost wages and more. It also kicks in if you are involved in a hit-and-run.

Accident benefits coverage

Accident benefits coverage kicks in to help cover lost income and medical expenses, regardless of who is at fault, if you, a passenger or a pedestrian are injured in a collision. Medical expenses include prescription medications, physical therapy, rehabilitation and more.

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We’re here to answer any questions you have about our products and services.