117 kinds of insurance
Every kind of insurance, in plain words.
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Home and property
Acreage insuranceAcreage insurance is usually a home policy adapted for a country residential property: the house, detached buildings such as a shop or barn, belongings, liability across the land and sometimes equipment.Read the guide →Aluminum wiring insuranceAluminum wiring was used for household circuits in many Canadian homes built in the late 1960s and 1970s.Read the guide →Basement suite insuranceBasement suite insurance means insuring a home you live in that also has a rented, self-contained unit, whether below the main floor, at garden level or in a separate laneway building.Read the guide →Condo insuranceCondo insurance is the policy a unit owner carries on their own account, separate from the building's policy that the condominium corporation holds.Read the guide →Downsizing insurance for seniorsThere is no single downsizing policy.Read the guide →Flood insuranceFlood insurance for a Canadian home usually means adding protection for water a standard policy leaves out: overland water from rivers, lakes or heavy rain, and sewer backup through drains.Read the guide →Hail damage insuranceHail damage to a house is usually covered under the wind and hail part of a home policy, but the details vary: which deductible applies, whether the roof is paid at full replacement or a depreciated value, and how mismatched materials are handled.Read the guide →Heritage home insuranceHeritage home insurance is cover for an older or formally designated house where rebuilding means matching original materials and skilled work, sometimes under rules set by a municipal or provincial heritage authority.Read the guide →Home insuranceHome insurance protects the house itself, the things inside it, your legal responsibility if someone is hurt or their property is damaged, and the cost of living elsewhere while repairs happen.Read the guide →Home insurance after a cancellationHome insurance after cancellation means finding a new insurer after the old one ended the policy midterm, declined to renew it, or refused it at application.Read the guide →Home insurance when buying a houseWhen you buy a house, the lender will want written confirmation of insurance before it releases the mortgage money, usually through your lawyer or notary.Read the guide →Home renovation insuranceHome renovation insurance is less one product than the steps that keep a homeowner covered while work is done: telling the insurer before work starts, confirming the contractor carries liability insurance and workers' compensation, arranging a renovation endorsement or builders' risk cover for larger projects, and raising the home's insured value once the work adds to it.Read the guide →Home solar panel insuranceSolar panel insurance usually means making sure your home policy recognises a rooftop or ground-mounted system and any home battery.Read the guide →Home-based business insuranceHome-based business insurance fills the gaps a home policy leaves when you earn money where you live.Read the guide →Insurance for an older roofAn older roof can still be insured, but insurers look closely at its age, material and condition.Read the guide →Jewellery, art and collections insuranceJewellery and art insurance covers valuable personal items such as rings, watches, paintings, instruments and collections, usually by listing each item with a value on a schedule.Read the guide →Knob and tube wiring insuranceKnob and tube is the original wiring in many Canadian homes built before the mid-twentieth century: single wires run on ceramic knobs and through ceramic tubes, with no ground conductor.Read the guide →Landlord insuranceLandlord insurance covers the rental building, the landlord's own appliances and equipment, income lost while the property is being repaired, and the landlord's liability to tenants and visitors.Read the guide →Luxury home insuranceRebuild cost, collections, renovation and vacancy for a high-value home.Read the guide →Mobile and manufactured home insuranceMobile and manufactured home insurance covers a factory-built home, its contents and your liability, much like a house policy, but insurers ask extra questions: the year and maker, the certification label, how the home is anchored and skirted, what was added on site and how it is heated.Read the guide →Musical instrument insuranceMusical instrument insurance protects instruments and related gear against theft, damage and loss, at home and away.Read the guide →Oil tank insuranceHomes with a heating oil tank face extra questions because a leak can contaminate soil and groundwater, and cleanup on your land or a neighbour's is expensive and slow.Read the guide →Personal umbrella insurancePersonal umbrella insurance is an extra layer of liability cover that sits above the limits on your home, condo, tenant, auto and sometimes boat policies.Read the guide →Pet insurancePet insurance reimburses part of a veterinarian's bill for an eligible accident or illness.Read the guide →Pool, hot tub and trampoline insurancePool insurance is usually not a separate policy but the way a home policy treats a pool, hot tub or trampoline.Read the guide →Private client insurancePrivate client insurance is a coordinated approach to protecting a household with significant assets, usually covering homes, vehicles, art and collections, boats and extra liability under one review.Read the guide →Sewer backup insuranceSewer backup insurance is usually an endorsement added to a home, condo or tenant policy.Read the guide →Short-term rental insuranceShort-term rental insurance is cover arranged for a home, suite or condo that paying guests book by the night.Read the guide →Student insuranceStudent insurance usually means one of two things: a parent's home policy extending to a student's belongings while they live away at school, or the student's own tenant policy.Read the guide →Tenant insuranceTenant insurance, also called renters insurance, covers your belongings in a rented home, your legal liability if you cause damage or injury, and the cost of staying elsewhere if a covered event makes the place unlivable.Read the guide →Vacant home insuranceVacant home insurance is cover for a house or condo that nobody is living in, such as an estate property awaiting sale, a home between tenants or a house left behind after an early move.Read the guide →Vacation and second home insuranceSecond home insurance is cover for a vacation property such as a cottage, cabin, chalet or seasonal apartment.Read the guide →Wildfire insuranceWildfire damage to a home is usually treated as fire, which most home policies cover.Read the guide →
Vehicles and travel
Auto insuranceAuto insurance is a bundle of separate protections: what you owe if you hurt someone or damage their property, what is paid to repair or replace your own vehicle, and what is paid for injuries.Read the guide →Boat insuranceBoat insurance protects a recreational boat, its motor and its trailer against damage and theft, and covers your liability if you injure someone or damage property while operating it.Read the guide →Collector car insuranceCollector car insurance is a policy for a classic, antique, muscle or show vehicle that is cared for and driven occasionally.Read the guide →Commercial auto insuranceCommercial auto insurance covers vehicles that a business owns, leases or uses for work: liability, damage to the vehicle and injury cover, rated for business use.Read the guide →E-bike and scooter insuranceE-bike and scooter insurance means making sure an electric bike, kick scooter or cargo bike is protected against theft and damage, and that you have liability cover if you injure someone while riding.Read the guide →Electric vehicle insuranceElectric vehicle insurance is auto cover for a battery-electric or plug-in hybrid car, with a few questions that matter more than usual: how battery damage is assessed and repaired, whether the home charger falls under the auto or the home policy, how towing works, and how a lease or loan affects a total loss.Read the guide →Fleet and trucking insuranceFleet and trucking insurance covers a group of commercial vehicles, usually trucks, tractors and trailers, along with the drivers and the freight they carry.Read the guide →High-risk auto insuranceHigh-risk auto insurance is ordinary mandatory cover arranged for a driver whose record makes many insurers hesitate: several tickets, at-fault claims, a suspension, an impaired conviction, a gap in cover or a cancellation for non-payment.Read the guide →Imported vehicle insuranceImported car insurance is ordinary auto cover written for a vehicle first sold outside Canada, such as a US-market truck or a right-hand-drive car from Japan.Read the guide →Insurance for new and young driversNew driver insurance is not a separate product: it is ordinary auto cover for someone with little Canadian driving history.Read the guide →Insurance for newcomers to CanadaInsurance for newcomers to Canada is not one product but the first set of policies a new arrival usually needs: car insurance that may take a foreign driving record into account, tenant or home insurance with no Canadian claims history, and sometimes life cover.Read the guide →Motorcycle and RV insuranceMotorcycle and recreational vehicle insurance is a policy written around a vehicle that is used by season, for fun, and often stored for months.Read the guide →Non-owner auto insuranceNon-owner auto insurance is a policy for someone who drives but does not own, or have regular use of, a particular vehicle.Read the guide →Rental car insuranceRental car insurance is not one product but several sources of protection that may overlap: your own auto policy, a damage waiver sold at the counter, cover attached to a credit card and the rental company's own liability.Read the guide →Rideshare and delivery insuranceRideshare and delivery insurance fills the gaps between a personal auto policy, which commonly excludes driving for pay, and whatever cover the app arranges, which usually applies only during parts of a trip.Read the guide →Snowmobile and ATV insuranceSnowmobile and ATV insurance is cover written for machines built to leave the road: sleds, quads, side-by-sides and dirt bikes.Read the guide →Travel medical insuranceTravel medical insurance pays for emergency medical care when you are away from your home province or country, such as a hospital stay, an ambulance or an evacuation.Read the guide →Trip cancellation insuranceTrip cancellation insurance reimburses prepaid, non-refundable travel costs when you must cancel before leaving for a reason the policy lists, such as a serious illness, an injury or a death in the family.Read the guide →
Life and health
Critical illness insuranceCritical illness insurance pays one lump sum if you are diagnosed with a condition the policy names and you live through the survival period it sets.Read the guide →Disability and critical illness insuranceDisability insurance pays you a regular income if an illness or injury stops you from working, while critical illness insurance pays a single sum if you are diagnosed with a covered condition.Read the guide →Final expense insuranceFinal expense insurance is a small permanent life policy meant to pay for a funeral, burial or cremation and the bills that follow a death.Read the guide →Group benefits insuranceGroup benefits insurance is an employer-sponsored plan that gives employees health, dental, life and disability cover, with costs shared between the business and the people covered.Read the guide →Health and dental insuranceHealth and dental insurance pays for care that provincial health plans generally leave to you, such as prescription drugs outside hospital, dental work, eye exams and glasses, and paramedical services like physiotherapy or massage therapy.Read the guide →Key person insuranceKey person insurance is life or disability cover that a business buys on an owner or essential employee, where the business usually owns the policy, pays for it and receives the money.Read the guide →Mortgage life insuranceMortgage life insurance usually means creditor insurance offered by your lender: if you die, it pays the remaining mortgage balance to the lender.Read the guide →Super visa insuranceSuper visa insurance is private medical cover that a parent or grandparent must hold to apply for a super visa to visit family in Canada.Read the guide →Term life insuranceTerm life insurance pays a set sum to the people you name if you die within a chosen number of years.Read the guide →
Business
Accountant and bookkeeper insuranceAccountant and bookkeeper insurance usually starts with errors and omissions, which responds when a client says a filing mistake, a missed deadline or wrong advice cost them money.Read the guide →Auto repair shop insuranceAuto repair shop insurance protects mechanics, body shops and tire shops against the risks of working on customers' vehicles: damage to a car while it is in your care, accidents on test drives, claims that a repair was done wrong, and injuries in the shop.Read the guide →Brewery and distillery insuranceBrewery and distillery insurance brings together property cover for tanks, stills and stock, equipment breakdown and spoilage for batches that fail mid-process, product liability for what leaves the building, and liquor liability for the taproom or tasting room.Read the guide →Business interruption insuranceBusiness interruption insurance replaces income and certain ongoing expenses when a covered loss forces you to slow down or stop.Read the guide →Cleaning business insuranceCleaning business insurance usually starts with liability for injuries and damage at a client's site, then adds the pieces cleaners in particular need: cover for lost client keys and the cost of changing locks, a bond or crime cover for theft by staff, and protection for equipment and supplies.Read the guide →Commercial property insuranceCommercial property insurance pays to repair or replace buildings, fixtures, equipment and stock after a covered loss such as fire, water damage or theft.Read the guide →Condo corporation insuranceCondo corporation insurance is the package a condominium corporation buys to protect the buildings, common property, the board and the corporation's money.Read the guide →Construction and builders risk insuranceBuilders risk insurance covers the structure and materials during construction or major renovation, from groundbreaking to completion.Read the guide →Contractor insuranceContractor insurance is the set of policies a tradesperson carries to work on other people's property: liability for injury or damage the work causes, cover for tools and equipment that move between jobs, protection for claims that surface after a job is finished, and the vehicle side of the business.Read the guide →Cyber insuranceCyber insurance pays for the costs of a digital incident: investigating a breach, notifying people, restoring systems, responding to extortion, lost income and claims made against you.Read the guide →Daycare and day home insuranceDaycare insurance combines liability for injuries to children and visitors with cover for the building or contents, plus a separate protection for allegations of abuse, which many ordinary liability policies exclude.Read the guide →Directors and officers insuranceDirectors and officers insurance, often called D&O or management liability, protects the people who govern and manage an organization when they are sued or investigated over decisions they made in that role.Read the guide →Driving school insuranceDriving school insurance covers a school's training vehicles while learners drive them, including dual-control cars, along with liability for classrooms, offices and the instruction itself.Read the guide →Employment practices insuranceEmployment practices insurance covers claims from current, former or prospective employees alleging things like wrongful dismissal, discrimination, harassment or retaliation.Read the guide →Engineer and architect insuranceEngineer and architect insurance centres on professional liability for design work: claims that drawings, calculations, specifications or field reviews were wrong and caused damage, delay or a costly fix.Read the guide →Event planner insuranceEvent planner insurance is usually a small-business package for wedding, corporate and social planners.Read the guide →Fitness instructor insuranceFitness instructor insurance usually pairs professional liability, for claims that your instruction, programming or corrections caused an injury, with general liability for accidents such as a client tripping over equipment.Read the guide →Food truck insuranceFood truck insurance is the package that protects a mobile kitchen: the truck or trailer while it is driven and parked, the cooking equipment and propane on board, the stock in the coolers, and your liability to the people who eat what you serve.Read the guide →General liability insuranceGeneral liability insurance, commonly called commercial general liability or CGL, pays for claims that your business caused bodily injury or damaged someone else's property.Read the guide →Healthcare practice insuranceHealthcare practice insurance combines the practitioner's malpractice cover, which many regulatory colleges require, with the clinic's own protections: general liability for patients and visitors, privacy breach and cyber cover for patient records, equipment and contents, the leased space and lost income after a closure.Read the guide →Home inspector insuranceHome inspector insurance centres on errors and omissions cover, which responds when a buyer says your inspection missed a defect and cost them money.Read the guide →Insurance for real estate agentsReal estate agent insurance is the set of covers around a licensee's work.Read the guide →IT consultant insuranceIT consultant insurance usually pairs technology errors and omissions, which responds when a client says your code, configuration or advice caused them a financial loss, with cyber cover for incidents that start in your own systems or spread into a client's.Read the guide →Landscaping and snow removal insuranceLandscaping and snow removal insurance combines liability for the work you do on clients' property with cover for mowers, plows, trailers and the trucks that pull them.Read the guide →Marketing agency insuranceMarketing agency insurance usually centres on professional liability for campaign mistakes, combined with media liability for claims that content defamed someone or infringed copyright, trademark or privacy.Read the guide →Moving company insuranceMoving company insurance brings together what a mover needs: liability for customers' goods while they are loaded, hauled and stored, the trucks themselves, damage to homes and buildings, and the crew's injuries through workers' compensation where the province requires it.Read the guide →Nonprofit insuranceNonprofit insurance is a set of protections for charities, associations, clubs and faith communities.Read the guide →Online store insuranceOnline store insurance protects a business that sells through its own website or through online marketplaces.Read the guide →Outfitter and guide insuranceOutfitter and guide insurance is built around liability for clients who are hurt on a trip, often with participant accident benefits, plus cover for the boats, rafts, horses, firearms and camps the business relies on.Read the guide →Pet business insurancePet business insurance usually starts with liability for injuries and damage to people and property, then adds cover for the animals themselves while they are in your care, which standard liability policies often exclude.Read the guide →Photographer insurancePhotographer insurance is usually a business package built around three exposures: the camera and lighting kit that travels to shoots, injuries or damage at a location, and claims that the work itself failed a client, such as lost wedding files or a missed delivery date.Read the guide →Professional liability insuranceProfessional liability insurance, also called errors and omissions or malpractice cover, responds when a client claims your advice, design or service was wrong or negligent and they lost money.Read the guide →Restaurant insuranceRestaurant insurance combines property cover for the kitchen, fixtures and food with liability for guests, liquor liability where alcohol is served, and income protection for the weeks a covered fire or breakdown keeps the doors shut.Read the guide →Retail store insuranceRetail store insurance protects the stock, fixtures and storefront of a shop and the liability that comes with customers walking in.Read the guide →Salon and spa insuranceSalon and spa insurance usually combines general liability for slips and other accidents, professional liability for harm caused by a service such as a chemical burn or a reaction to lash adhesive, product liability for what you sell, and property cover for equipment and the space.Read the guide →Security guard company insuranceSecurity guard insurance is usually a package written for guard, patrol and alarm-response firms.Read the guide →Self-storage insuranceSelf-storage insurance protects the operator of a storage facility: the buildings, fences, gates and office, rent lost after a fire or flood, injuries to tenants and visitors, and claims that the operator caused a loss to tenants' goods or sold them wrongly.Read the guide →Small business insuranceSmall business insurance is usually a package of separate protections: liability for harm you cause to others, cover for the contents and equipment you own, cover for income lost after a covered event, and add-ons that fit your trade.Read the guide →Sports club and league insuranceSports club insurance usually combines liability for injuries to players, spectators and others, accident benefits that pay set amounts to injured participants, and directors and officers cover for the board.Read the guide →Staffing agency insuranceStaffing agency insurance is a set of covers for temporary staffing, contract and recruitment firms.Read the guide →Summer camp insuranceSummer camp insurance usually combines liability for injuries to campers, staff and visitors with accident benefits for campers, abuse and molestation cover that standard policies often exclude, and property cover for cabins, dining halls, boats and equipment.Read the guide →Surety bondsA surety bond is a three-party agreement.Read the guide →Towing company insuranceTowing company insurance combines commercial auto for the tow trucks with cover for the vehicles you handle: on-hook protection while a car is towed or carried, and garage keepers cover while it sits in your yard or impound lot.Read the guide →Veterinary clinic insuranceVeterinary clinic insurance usually pairs professional liability for claims about diagnosis, surgery or treatment of an animal with the clinic's own protections: general liability for clients in the building, cover for animals boarded or hospitalised overnight, imaging and lab equipment, controlled drugs and the leased space.Read the guide →
Specialty and global
Cargo insuranceCargo insurance pays for loss of or damage to goods while they are being shipped, whether by truck, rail, sea or air.Read the guide →Drone and aviation insuranceDrone and aviation insurance usually combines liability, which responds if the aircraft injures someone or damages property, with hull cover for damage to the aircraft itself.Read the guide →Energy and industrial insuranceEnergy and industrial insurance protects operators and contractors in oil and gas, power generation, mining and manufacturing.Read the guide →Environmental liability insuranceEnvironmental liability insurance responds to contamination: cleanup of your own site, claims from neighbours or third parties for harm, and the cost of dealing with pollution from work you did for others.Read the guide →Event insuranceEvent insurance is a group of covers for temporary activities.Read the guide →Farm and equine insuranceFarm insurance is a set of covers built around how land is actually used: the house and outbuildings, machinery and equipment, livestock, stored grain, and the liability that comes with visitors, workers and animals.Read the guide →Horse owner insuranceHorse owner insurance is a set of covers for people who own horses for pleasure, showing or trail riding.Read the guide →Marine insuranceMarine insurance protects a vessel and the owner's legal responsibilities.Read the guide →Multinational insurance programsA multinational insurance program coordinates cover for a company that operates in several countries.Read the guide →Product recall insuranceProduct recall insurance pays certain costs of withdrawing a product from the market: notifying customers, retrieving and destroying stock, extra staff, and sometimes lost profit while the brand recovers.Read the guide →Specialty insurance marketsSpecialty insurance markets are the insurers and underwriters who take risks that standard insurers decline or cannot price: unusual operations, very large values, new technologies or a loss history that rules out ordinary cover.Read the guide →Trade credit insuranceTrade credit insurance protects a business against non-payment of invoices, usually because a customer becomes insolvent or does not pay within a set period.Read the guide →Yacht insuranceCruising waters, use, valuation, crew and surveys: a full preparation guide for a yacht.Read the guide →
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General information, not insurance advice. Broker.insure is a directory and request service and is not an insurer or a broker. Updated 2026-10-31.