Frequently Asked Questions

Do you have additional questions on Small Business Insurance? Speak to a licensed TD Insurance Advisor or check out these FAQs – we're here to help you make the best decision for your small business.

Featured Questions

I need to make a claim. What should I do?

If you need to start a new claim, our dedicated TD Insurance Claims Advisors are ready to help. You can reach one of our Advisors at 1-855-724-2883, and they will work with you every step of the way throughout the claims experience.

What drives the cost of business insurance coverage?

The cost of insurance is based on a range of factors including the following:

Our licensed TD Insurance Advisors will work with you to understand what kind of coverage you require. Give us a call at 1-855-724-2883 so that we can assess the type of insurance coverage that suits your business needs.

What types of business insurance do I need?

Business insurance can be adapted to your specific business needs. Recommended coverage often depends on the type of business you have and the risk protection your business will need to stay healthy and whole. At a minimum, you should carry commercial property and commercial general liability insurance – this often comes in the core business owner's policy. If you have commercial vehicle(s), you will require a commercial auto policy. If you have questions or could use additional information, a licensed TD Insurance Advisor can help you sort through the options and suggest policies that best fit your company.

I run a home-based business. Can I just use my home insurance to protect my business?

Your home insurance policy may cover certain activities for your business; however, the coverage limits are generally much lower than the coverage you would receive through a small business insurance policy. There are also certain types of coverage that your home insurance policy would not cover, for example if your business is temporarily shut down due to an insured event, you would not be covered for any loss of income during this period. Speak to a licensed TD Insurance Advisor to help find the coverage that is right for your business.

Additional Answers to your Small Business Insurance Questions

Can’t Find the Answers?

Speak to one of our licensed TD Insurance Advisors and they can provide you all the answers to your Small Business Insurance questions

Mon-Fri 8am to 8pm
Sat 9am to 4pm

Give us a call at 1-855-724-2883