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Small Business Insurance for Edmonton & Area

“Independent Edmonton brokers comparing rates from 10+ top insurers — liability, property, cyber, and commercial auto coverage built for your business.”

Family-owned Alberta brokers since 1988 · Over 10 insurers compared · Fully licensed AIC brokers

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Who we insure

Retail & E-commerce

Restaurants & Food Service

Professional Services

Contractors & Trades

Trucking & Transportation

Health & Wellness

Manufacturing & Wholesale

Home-Based Businesses

One broker. Every coverage your business needs

Commercial General Liability (CGL) – Covers you if your business causes injury or property damage to someone else. Required by most landlords and contracts

Commercial Property — Covers your building, inventory, equipment, and furniture against fire, theft, vandalism, and weather.

Business Interruption — Replaces lost income if you’re forced to close temporarily after an insured loss.

Cyber Insurance — Protects against ransomware, data breaches, and cyber fraud. Increasingly required and increasingly affordable.

Commercial Auto — Work trucks, service vehicles, and company cars. Personal auto policies don’t cover commercial use.

Professional Liability (E&O) — Covers claims that your professional advice or services caused a client financial harm.

Why Edmonton Businesses Choose Reliant

We’re not a call centre or an app. We’re your broker.

Local Edmonton Broker

Not a call centre, not an online-only aggregator. You get a dedicated broker who knows you, knows your business, and picks up when you call.

We Shop 10+ Insurers

We’re independent brokers, not captive agents. We compare coverage and pricing across Canada’s top insurers to find the best fit for your business.

We Handle Claims Personally

When something goes wrong, you call us. We deal with the insurer and walk you through the process. No 1-800 runaround, no automated queue.

How It Works

Getting covered is simple. Here’s what to expect from your first call to your policy.

1

Submit the form or call us

Fill out our 4-field quote form or call 780-463-2115 directly.

2

We ask a few questions

We’ll discuss your business, revenue, operations, and any existing coverage.

3

We shop your risk

We present options across multiple insurers within 24 business hours.

4

Choose & get covered

You pick a policy, we bind it, and you’re covered — often the same day.

How Much Does Small Business Insurance Cost in Alberta?

Most competitor pages dodge this question. Here’s a real answer.

Most small businesses in Edmonton pay between $500 and $3,500 per year for commercial insurance. What drives your price:

Industry and risk level (a graphic designer pays far less than a roofing contractor)
Annual revenue and number of employees
Property and equipment values
Coverage limits ($1M, $2M, or $5M liability)
Claims history

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Home-Based / Sole Proprietor $400 – $800/yr

Professional Services $400 – $800/yr

Retail Store $400 – $800/yr

Restaurant / Food Service 1,500 – $3,000/yr

Contractor / Trades $1,800 – $3,500/yr

These are illustrative ranges. Your actual premium depends on your specific operations. Request a free quote for exact pricing.

Frequently Asked Questions

Do I need business insurance if I'm a sole proprietor?

Yes. As a sole proprietor, your personal assets are directly exposed to any business-related claims. If a client slips at your workspace, or if your professional advice leads to a financial loss for a client, you can be personally sued. A basic commercial liability policy protects your livelihood and is often required by clients or contracts.

What's the difference between CGL and commercial property insurance?

Commercial General Liability (CGL) covers third-party claims — injuries or property damage you cause to others. Commercial property insurance covers your own assets — your building, inventory, equipment, and contents. Most businesses need both, and they're typically bundled into a Business Owner's Policy (BOP) or commercial package for better pricing.

Is business insurance tax-deductible in Canada?

Yes — commercial insurance premiums are generally a deductible business expense under the CRA, as they are an ordinary cost of running a business. This applies to liability, property, cyber, and most commercial coverages. Consult your accountant to confirm deductibility for your specific situation.

How much liability coverage does a small business need?

Most small businesses in Alberta start with $2 million in general liability coverage. $1 million is the minimum many landlords and clients will accept; $5 million is common for contractors working on larger projects or businesses with significant public exposure. We'll help you determine the right limit for your risk profile.

Can I get business insurance if I work from home?

Absolutely. Home-based business insurance is one of the most affordable and commonly overlooked policies. Your personal home insurance almost certainly excludes any business activity. A home-based commercial policy covers your business equipment, liability from clients visiting your home, and professional liability for a few hundred dollars per year.

How fast can I get a certificate of insurance (COI) for a landlord or client?

Same day in most cases. Once your policy is bound, we can issue a COI within hours. If you have a lease signing or contract deadline, call us at 780-463-2115 and we will prioritize your file.

Do I need cyber insurance if I only accept credit cards through a processor?

Yes — and most business owners are surprised by this. Even if a processor handles card transactions, you still hold customer data (emails, addresses, purchase history) and rely on systems that can be compromised. Cyber insurance covers notification costs, legal fees, business interruption from a cyber event, and third-party liability if your breach exposes client data.

What's not covered by a basic business insurance policy?

Standard commercial policies typically exclude: professional errors and omissions (you need E&O for that), cyber incidents, floods and earthquakes (separate riders required), employee dishonesty (requires a crime policy), and commercial vehicle use on a personal auto policy. This is exactly why working with a broker matters — we identify the gaps before you have a claim.

What Edmonton Business Owners Say
Trusted by small businesses across Edmonton and area since 1988.

Reliant has been handling my commercial insurance for years. They found me better coverage at a lower rate than my previous broker, and when I had a claim, they handled everything. I didn’t deal with the insurer once.

Oliver

Edmonton Small Business Owner

As a restaurant owner, my insurance needs are complicated. Reliant understood exactly what I needed — liquor liability, equipment breakdown, the works — and had me covered before my opening weekend.

Marco R.

Restaurant Owner, South Edmonton

I run an IT consulting practice and needed both E&O and cyber coverage. Reliant bundled everything at a price I couldn’t find anywhere else online. My broker actually called to explain each policy — unheard of these days.

Emma

IT Consultant, Edmonton