Commercial Insurance in Niagara-on-the-Lake


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Niagara-on-the-Lake Commercial Insurance with Oracle RMS

If you reside in Niagara-on-the-Lake 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.

Niagara Falls is a popular destination for Canadians from across the country and for guests from the United States. In close proximity to Niagara Falls, exists the quaint wine country of Niagara-on-the-Lake. Niagara-on-the-lake is also a popular tourist spot offering tours of local wineries and farms.  With a population of 17,511 people, Niagara-on-the-Lake is nicknamed the “Loveliest Town in Canada” and is a two hour drive from Downtown Toronto.

There are 14,810 employed workers in the Town of Niagara-on-the-lake. Although it is a small town, there are many job opportunities that are connected to tourism and wine. Niagara-on-the-lake is a large wine country and wine distributor in Canada. With that being said, it is important for business owners in Niagara-on-the-Lake to make sure they have the right commercial insurance policy for their business operations.

In Need of Insurance for Businesses? We Have You Covered

If your commercial business is located in Niagara-on-the-Lake, 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 Niagara-on-the-Lake, 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 Niagara-on-the-Lake 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 Niagara-on-the-Lake 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 Town of Niagara-on-the-Lake

In the Town of Niagara-on-the-Lake, the largest industry from a business count is real estate, while the smallest industry from a business count is public administration. There are 14,810 people employed in the Town of Niagara-on-the-lake ,7,240 of that number are male employees, while 7,570 are female.

Meanwhile, there are 365 unemployed Niagara-on-the-Lake residents. 195 of those unemployed are male, while 175 are female. With that being said, there are a total number of  8,370 people in the labour force in Niagara-on-the-Lake. This means that the employment rate equals 54.0%.

Overall, the employment rate in Niagara-on-the-Lake is declining at a rate of 0.66% per year over the past 15 years from 2001 to 2016. Its employment rates grew by 0.2%, which is an average growth rate of 0.04% per year from 2011 to 2016.


Commercial Business Facts in the Town of Niagara-on-the-Lake


Employment rates are relatively low in the Town of Niagara-on-the-Lake due to the fact that 22.6% of its population is 65 years old or older.15% of the Niagara-on-the-Lake population is under 15 years old which means they are not included in employment statistics as almost all children under that age are not working part-time jobs

Every year the population grows at a steady 1%. A large majority of this new population are the elderly who want to settle down and retire in the town.

The biggest industry by business count in the Town of Niagara-on-the-Lake is real estate, while the smallest industry is public administration. The most popular business size has 1-4 employees while the least popular size are very large businesses with 500-999 employees.The most popular employers in the Niagara region are the District School Board of Niagara, Niagara Fallsview Casino Resort, the Niagara Health System, the Regional Municipality of Niagara and the General Motors of Canada Limited.

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