Commercial Insurance in Kitchener


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Kitchener Commercial Insurance with Oracle RMS

If you reside in Kitchener and own a commercial business, it is important to have commercial insurance. General Liability Insurance is mandatory for the majority of business owners to protect their business should their operations result in a lawsuit.

Located in southern Ontario, the City of Kitchener is home to a population of 233,222 people. The population of Kitchener is growing 1.5% per year for the past 15 years. Kitchener is known as a Canadian hub for innovative programs and is a great area for new businesses. Due to its easy access to our international airports, the United States border, Waterloo and Cambridge, the area is booming with business.
Importing and exporting companies are popular and successful in the City of Kitchener due to its location. There are 189,220 employed workers in the City of Kitchener. With that being said, it is important for business owners in Kitchener to make sure they have the right commercial insurance for their businesses since there are many businesses operating and thriving in the city.

In Need of Insurance for Businesses? We Have You Covered

If your commercial business is located in Kitchener, it is important to have the right types of commercial insurances. All businesses need commercial insurance because it will protect your business and help cover the costs associated with liability claims and property damage. Whether you are a big or a small business, owning the right commercial business insurance ensures your operational longevity and peace of mind.

In Kitchener, when you purchase Commercial Insurance with Oracle RMS, you are insuring your overall business, such as all commercial vehicles insurance including all listed drivers, commercial property insurance, and liability insurance to third parties that result in any loss or damages. We also offer property insurance, insurance that protects from general liability, and insurance policies that suits your commercial and business needs.

By partnering with Oracle RMS, we provide excellent customer service and work hard to get you the best commercial insurance rates in Kitchener that best suit your unique needs.

We are proud to be partnered with a wide range of insurance companies who can provide a variety of commercial insurance quotes for all Kitchener business owners.

At Oracle RMS, you will work along with one of our licensed business insurance brokers to help guide you through the quoting process. They will make sure you understand all the business insurance jargon and information up to the last detail of your auto policy before you’ve made the final decision.

Commercial insurance will protect your business and provide coverage for your property, vehicle(s), all listed drivers and any loss or damages. Without the right business insurance, business owners will be required to pay out of their own pocket for costly damages and/or legal claims that are made against their company. Below is a list of business insurance coverage that businesses should have:


Commercial General Liability Coverage:

This section of a commercial insurance policy will provide coverage to protect the insured if a third-party has been injured or has succumbed to their injuries, or their property is damaged. It will compensate for claims in the event of a lawsuit against the insured up to the limit of their coverage. It will also compensate for the cost of settling a claim.

Commercial Automobile Coverage:

This section of a commercial insurance policy covers all listed business vehicles, such as cars, trucks, vans, commercial use trailers and more. It also protects your business when your vehicle(s) are involved in a collision or are stolen, vandalized or damaged, while providing funds to repair or replace your vehicle(s). Lastly, a commercial auto insurance policy covers medical-related expenses and third-party property damage.

Commercial Property Coverage:

This type of commercial insurance protects your business against any loss of damage, such as fire, theft, vandalism and more. It provides coverage for the physical assets inside and outside your commercial business, which includes the commercial building, inventory, electronics, equipment and tools, as well as the exterior fixtures.

Business Interruption Coverage

This type of commercial insurance coverage covers the business owner(s) when their operations have been unexpectedly disrupted by a flood, earthquake, fire or windstorm. This will also provide protection when your commercial business needs to temporarily shut down your business operations. In addition, should you need to continue to operate your business in the middle of a rebuild after a disaster, business interruption coverage will compensate for lost income and costs incurred. It should be noted that business interruption insurance also comes with various levels of coverage options such as Contingent Business Interruption, Named Perils Business Interruption and Service Interruption.

Whether customers are shopping for a better commercial insurance policy, are informed about their upcoming commercial policy renewal or are looking to save money on their current policy, overall, it is important to be informed about commercial insurance and how a policy works.

The Right Coverage For You

At The Best Price

Commercial Business Statistics in the City of Kitchener

In the City of Kitchener, the largest industry from a business count is real estate, while the smallest industry from a business count is mining & oil. There are 189, 220  people employed in the City of Kitchener. 67,695 of that number are male employees, while 62,380 are female.

Meanwhile, there are 8,885 unemployed Kitchener residents. 4,590 of those unemployed are male, while 4,300 are female. With that being said, there are a total number of 130,080 people in the labour force in Kitchener. This means that the employment rate equals 64.0%.

Overall, the employment rate in Kitchener is declining at a rate of 0.2% per year over the past 15 years from 2001 to 2016. Its unemployment rates grew by 0.8%, which is an average growth rate of 0.16% per year from 2011 to 2016.

Commercial Business Facts in the City of Kitchener


  The City of Kitchener is known for innovative businesses. This is largely due to the fact that the recycling “blue box” program originated there. At present day, this eco-friendly program is introduced in businesses and households around the world. Including: Canada, United States, France, United Kingdom and France.

        The most popular business size in the City of Kitchener is 1-4 employees which shows that small businesses originate in the city. The City of Kitchener invests in its small businesses to help them thrive and gain brand recognition when they are first created. These are resources for small businesses in Kitchener: The Waterloo Region Small Business Centre, City of Kitchener Grants and the Kitchener Small Business Startup Centre.

Kitchener finance, insurance and manufacturing sectors are internationally recognized. The sectors that are growing and consistently hiring are digital media companies and health and science sectors.

Getting insured is quick and easy!

Commercial insurance is what you need, request a free online quote now. Takes less than two minutes!

Google Reviews

“I’ve used Oracle RMS for my insurance for years and years. Very knowledgeable and helpful. Chris Masucci gave me honest advice about my insurance options and helped me choose the best coverage for my needs. He is friendly and super responsive if I have any questions. Would recommend!”

Lauren Chee-Hing,
google Review

“I purchased my first car a year and a half ago and called Oracle for an insurance quote. They have excellent customer service – in particular, Chris was very helpful in getting me a great rate. He is extremely prompt at answering any questions I have about my policy and about anything insurance related! I highly recommend this brokerage.”

Andrea Lee,
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