Your business is more than a job. It’s your livelihood, your passion, and a big part of what makes Port Perry thrive. At PetleyHare, we provide tailored business insurance solutions that reflect the unique needs of your operation, backed by over 100 years of local experience.

Why Business Insurance is Essential for Port Perry Businesses

Owning a business in Port Perry comes with countless rewards, from supportive neighbours to a loyal local customer base. But whether you run a café near Queen Street or operate heavy machinery just outside of town, there are always risks to consider.

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Why is business insurance so important?

  1. Property protection

    Fires, floods, vandalism, and even burst pipes can damage your physical space or inventory.

  2. Liability coverage

    If a customer slips on your premises or a product causes harm, you could face a costly lawsuit.

  3. Business interruption

    A storm or equipment failure could force you to close temporarily, putting your income at risk.

  4. Employee and contractor coverage

    Workplace injuries and errors happen — and you’ll want the right protection in place when they do.

For many Port Perry business owners, insurance isn’t just a safety net, it’s a necessary tool for growth. You might need coverage to sign a lease, win a contract, or hire your first employee.

At PetleyHare, we provide straightforward, customized policies for businesses of all sizes. Our goal is to simplify the process and give you the confidence to keep building your dream, no matter what comes your way.

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The Different Types of Business Insurance We Offer

We know how diverse the business landscape is in Port Perry, and our insurance options for protecting your business reflect that. Whether you’re managing a team of ten or just getting your business off the ground, we offer flexible coverage designed to protect what matters most.

Business Insurance in Port Perry

Construction Insurance

Construction and renovation work comes with unique risks, from equipment theft to on-site injuries. Our construction insurance in Port Perry helps protect contractors, developers, and tradespeople with coverage for tools, commercial vehicles, materials, and liability claims.

Common coverage options include:

  • Commercial General Liability (CGL)
  • Tools & Equipment
  • Builder’s Risk / Course of Construction
  • Pollution Liability
  • Commercial Auto
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Contractor Insurance

If you’re an independent contractor, such as a plumber, electrician, roofer, or landscaper, your tools and time are your most valuable assets. Our contractor insurance in Port Perry protects against property loss, on-the-job accidents, and third-party liability.

We offer customizable packages that can grow with your business, including:

  • Liability for Subcontractors
  • Tool Coverage
  • Errors & Omissions (E&O)
  • Installation Floater
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Business Insurance in Port Perry
Business Insurance in Port Perry

Farm Insurance

Port Perry’s rural roots mean farming is more than a business, it’s a way of life. Our farm insurance solutions support family farms, hobby farms, and commercial operations by offering coverage for:

  • Dwellings and outbuildings
  • Livestock
  • Equipment and machinery
  • Crop insurance
  • Farm liability

Whether you’re raising cattle or planting soybeans, our policies reflect the real risks farmers face and help you plan for the future.

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Group Insurance

Your employees are the backbone of your business. Offering group insurance in Port Perry helps you attract top talent and boost employee loyalty while staying cost-effective.

Group plans can include:

  • Extended health and dental
  • Life and disability insurance
  • Employee Assistance Programs (EAP)
  • Optional coverage tiers for families

Whether you have two employees or twenty, we’ll help you customize a plan that supports your team and fits your bottom line.

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Business Insurance in Port Perry
Business Insurance in Port Perry

Additional Options Available

We also offer:

  • Cyber Liability Insurance: Protection from data breaches, ransomware, and online fraud.
  • Commercial Auto Insurance: For delivery vehicles, contractor trucks, or service vans.
  • Professional Liability (E&O): For consultants, advisors, designers, and service-based businesses.
  • Commercial Property Insurance: Covers your buildings, inventory, signage, and contents.

Need a custom quote for multiple policies? Contact us and we’ll create a bundled package that saves you money and ensures full protection.

Why PetleyHare is the Best Choice for Your Business in Port Perry

Choosing the right insurance partner matters. At PetleyHare, we offer more than just policies; we offer peace of mind.

Here’s what you get when you work with us:

  • Local Expertise: We know Port Perry. We know the roads you drive, the challenges you face, and the community you support.
  • Real People, Real Service: You’ll speak with a real person — not a chatbot. And you’ll have a dedicated advisor you can call whenever you need.
  • Choice and Flexibility: As an independent broker, we give you access to Canada’s top insurers, so you can choose the policy that fits your needs and budget.
  • A Trusted Name for Over 100 Years: Our reputation is built on relationships. We’ve helped thousands of businesses across Durham Region protect what matters most.

From sponsoring local events like the Whitby Ribfest Comfort Lounge to hosting our annual community skate, we don’t just work here; we live here, too.

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Frequently Asked Questions

What Types of Business Insurance Are Available in Port Perry?

We provide a full suite of insurance options, including coverage for construction, contractors, farms, group benefits, and more. Visit our business insurance page to learn about each one.

How Do I Know What Type of Business Insurance I Need?

Every business is different. We’ll ask about your operations, risks, assets, and goals, then recommend the right mix of coverages, nothing more, nothing less.

Is Business Insurance Required by Law?

Some types, such as liability coverage or commercial vehicle insurance, may be required depending on your industry or lease agreements. We’ll help you stay compliant and protected.

What Is the Average Cost of Business Insurance in Port Perry?

There’s no one-size-fits-all answer. Your premium will depend on the type of business, number of employees, property value, revenue, and more. We work with multiple insurers to find competitive options for every budget.

Can I Update My Policy as My Business Grows?

Absolutely. We review your policy annually and can make adjustments anytime your business changes, whether you’re adding staff, buying new equipment, or expanding locations.

Still have questions? Contact us and we’ll be happy to help.

Get the Best Business Insurance Coverage for Your Port Perry Business Today

At PetleyHare, we believe in keeping things simple, local, and personal. From our family to yours, we’re here to help your business thrive with coverage that’s built around you.

Let’s talk about your next step.

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Business Insurance Insights