What is business insurance?

Business insurance is a collection of coverages designed to help protect a company from financial loss related to liability claims, property damage, business interruption, cyber incidents, professional errors, vehicles, and other operational risks.

Does every Ontario business need insurance?

Most businesses should carry insurance, and many are required to provide proof of coverage by landlords, lenders, clients, suppliers, or contracts. The right coverage depends on the nature of the business.

What is commercial general liability insurance?

Commercial general liability insurance helps protect a business against certain third-party claims involving bodily injury, property damage, and related legal defence costs, subject to the policy terms and exclusions.

Can LIFT review my existing business insurance?

Yes. LIFT can review your current coverage, discuss your operations, identify potential gaps, and help determine whether your insurance still fits your business.

LIFT Insurance | Trusted Insurance Brokers

Terms of Use

Last updated: July 2026

These Terms of Use explain the rules that apply when you visit or use www.lift-insurance.ca and any related webpages, forms or online features operated by Lift Insurance Inc. (“LIFT Insurance,” “LIFT,” “we,” “us” or “our”). By accessing or using this website, you agree to these Terms of Use. If you do not agree, please do not use the website.

1. About LIFT Insurance

LIFT Insurance is an Ontario insurance brokerage regulated by the Registered Insurance Brokers of Ontario (“RIBO”). We help individuals, families and businesses explore insurance solutions offered by third-party insurers.

This website is intended primarily for people and organizations seeking insurance services in jurisdictions where LIFT and the applicable insurer are authorized to operate. Products and services may not be available in every province, territory or location.

2. General information—not insurance advice

The content on this website is provided for general information only. It is not legal, tax, financial, risk-management or insurance advice and should not be relied on as a substitute for advice based on your specific circumstances.

Insurance needs vary. Please speak with a LIFT broker before making decisions about coverage, limits, deductibles or risk. If website content differs from an insurance contract, binder, certificate, endorsement or other policy document, the applicable insurance document governs.

3. Quotes, applications and coverage

Submitting a form, requesting a quote, sending an email or speaking with us does not create an insurance contract, bind coverage, change an existing policy or guarantee that insurance will be offered.

Coverage is effective only when it has been expressly confirmed by an authorized representative in writing and all applicable insurer requirements have been satisfied. Quotes are subject to underwriting, eligibility, availability, insurer approval and the complete terms, conditions, limits, deductibles and exclusions of the policy.

Do not use this website or email to report an urgent claim, request immediate coverage, make a time-sensitive policy change or cancel a policy. Contact your LIFT broker or insurer directly and obtain confirmation.

4. Your responsibilities

When you use this website or provide information to us, you agree to provide information that is accurate, complete and not misleading; update or correct information if it changes; use the website only for lawful purposes; not attempt to interfere with the website, gain unauthorized access, introduce malicious code, scrape content at scale or misuse any form or communication channel; and not impersonate another person or submit information without authority to do so.

You are responsible for reviewing all quote, application and policy information and promptly telling us about any error, omission or change that may affect coverage.

5. Website availability and changes

We work to keep the website accurate, secure and available, but we do not guarantee uninterrupted access or error-free operation. We may change, suspend or discontinue any part of the website without notice. Information may become outdated, and we are not required to update every item immediately.

6. Electronic communications

Communications sent through the internet may not be secure, private, complete or reliably delivered. Please do not send highly sensitive information—such as payment card details, government identification numbers or medical records—by ordinary email unless a LIFT representative has directed you to an approved secure method.

If you subscribe to marketing communications, we will manage them in accordance with applicable Canadian anti-spam requirements. You may unsubscribe using the link in a message or by contacting us. Service and transactional communications may still be sent where permitted or required.

7. Privacy and cookies

Our collection, use and disclosure of personal information is described in our Privacy Policy. Our use of cookies and similar technologies is described in our Cookie Policy. By using the website and making choices through our cookie controls, you acknowledge those practices.

8. Third-party websites and services

The website may link to insurer portals, payment providers, social media platforms or other third-party websites and services. Links are provided for convenience and do not mean that LIFT controls, endorses or guarantees the third party or its content. Third-party terms and privacy practices apply when you use those services.

9. Intellectual property

The website and its content—including text, design, graphics, logos, photographs, video, software and other materials—are owned by or licensed to LIFT and are protected by applicable intellectual property laws.

You may view, download or print reasonable extracts for your personal, non-commercial use, provided you do not modify the material or remove any copyright, trademark or attribution notice. No other copying, republication, distribution, commercial use, framing or creation of derivative works is permitted without our prior written consent.

You may link fairly and lawfully to our home page, provided the link does not suggest an association, approval or endorsement that does not exist. We may withdraw linking permission at any time.

10. No warranties

To the fullest extent permitted by law, the website and its content are provided “as is” and “as available,” without representations, warranties or conditions of any kind, whether express, implied or statutory. This includes warranties or conditions of accuracy, completeness, currency, availability, security, merchantability, fitness for a particular purpose and non-infringement.

We do not guarantee that the website, downloads or linked resources will be free from viruses or other harmful components. You are responsible for using appropriate security protections.

11. Limitation of liability

To the fullest extent permitted by law, LIFT and its directors, officers, employees, brokers, contractors and service providers will not be liable for any indirect, incidental, special, consequential, exemplary or punitive damages, or for loss of profits, revenue, business opportunity, data, goodwill or savings, arising from or connected with your use of—or inability to use—the website or reliance on its content.

Nothing in these Terms excludes or limits liability that cannot lawfully be excluded or limited. Your rights under applicable consumer protection legislation, if any, are not affected.

12. Policy cancellations and refunds

Cancellation, termination, return-premium and refund terms are governed by the applicable insurance policy, statutory conditions, insurer rules and any financing arrangement. Please review your policy documents and contact your LIFT broker for information specific to your policy. A request is not effective until confirmed through the required process.

13. Changes to these Terms

We may update these Terms from time to time. The revised version will be posted on this page with a new “Last updated” date. Your continued use of the website after an update means you accept the revised Terms.

14. Governing law

These Terms and your use of the website are governed by the laws of the Province of Ontario and the federal laws of Canada applicable in Ontario, without regard to conflict-of-law principles. Subject to applicable law, disputes will be submitted to the courts located in Ontario.

15. Contact us

Questions about these Terms may be directed to: Privacy Officer, Lift Insurance Inc., 50 Dundas Street East, Unit 201, Waterdown, Ontario L9H 7K6. Phone: 905-667-9043 or 1-888-201-LIFT. Email: info@lift-insurance.ca.

If you have a concern about the conduct of an Ontario insurance broker or brokerage, information about consumer rights and RIBO’s complaint process is available at www.ribo.com.