Small Business Insurance

Home & Startup Business Insurance

Many home-based business owners and start up business owners are under the impression that insurance is not necessary for them. At W.B. White Insurance, however, we understand the importance and necessity of protecting your business regardless of its its size, location or its length of operation. All businesses have risks, which means that home business insurance and startup business insurance are absolutely crucial in providing you with a comfortable safety net.

When it comes to home business insurance, many mistakenly believe that their home insurance will cover them in the event of losses. In fact, liability is one of the greatest risks to home-based businesses. Risk management is not only for large businesses – it also is for home-based businesses and startups. In the event that your business faces a lawsuit, it would be unequipped to handle the legal fees, likely putting you out of business altogether. This is precisely why a home business insurance policy is necessary. Further, home business insurance also covers the things that you need to run your business, from desktop computers and laptops to items that you stock and even furniture. The single most important step you can take today to protect your investment is to get a home business insurance policy.

In short, home business insurance covers business property, which includes everything from inventory to your computers. It also includes business interruption coverage which will protect you in the event your business experiences costly downtown due to a natural disaster, for example. Lastly, your home business insurance policy will also cover liability. If a delivery person falls while on your property, you could be setting yourself up for a costly lawsuit. Start up businesses face these same kinds of risks, which is exactly why they need to consider startup business insurance to protect them.

Why Choose W.B White Insurance?

Our team of professionals at W.B. White Insurance understand the importance of affordable insurance, whether it’s home business insurance or start up business insurance. That’s why we are able to offer you the most competitive rates with our contacts and connections to many other insurance companies. Our insurance brokers’ priority is ensuring that you get exactly what you want while also making sure that you aren’t missing out on coverage that would be beneficial. This ultimately means tailoring your home business insurance policy. Each policy comes with a dedicated Account Manager, which means that you will get to speak to the same person every time you need to call us. With our home business insurance policy and startup insurance, we can offer you

Affordable, competitive rates
Extensive coverage – only what you need
Efficient customer service – no hassles
Fast processing of home insurance claims
Discounts

W.B. White Insurance has been in the insurance business for over 50 years, establishing ourselves as the leader of insurance in the Durham region in that time. We are proud to say that we were awarded with the Award of Excellence as the Ontario Brokerage of the Year in 2013.

To get a quote today, contact one of our insurance professionals at either our Oshawa office (905-576-6400) or our Lindsay office (705-340-5400).

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We’ve got the insurance you need.

At W.B. White Insurance, we offer a wide range of options for industrial insurance. Whether you require industrial insurance in the construction, concrete or contractor spaces, we can help you to get the right industrial insurance to meet your unique needs. Teaming up with the most reputable insurers in the marketplace means that we will be able to get your coverage from an industrial insurance agency that understands your business and your needs.

The sorts of industries that we can help include, but are not limited to, the following:

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Roberta B

2024-05-30

My brother, who is a long-time client of W B White, referred me to them, and in particular Michelle. I was dropped instantly by my previous insurer because I moved and one car came with me and the other car stayed back with my daughter. I was stunned and couldn't believe this had happened. Michelle and her team instantly got to work and found us better insurance for a lesser price. I ended up gifting the car to my daughter and everything has worked out beautifully. Throughout the stressful process, Michelle worked diligently and professionally to get us covered the next day. I cannot say enough, how wonderful and friendly and helpful she is. No wonder my brother, who has very high standards, has been utilizing her and W B White's services for so long. Highly recommend their services. Thank you, Michelle.

Gary Thompson

2024-04-19

I have been dealing with W B White Insurance since the mid 1980's, around 40 years. In all these years they have always been attentive to my needs. Always made me feel an important client to them. Their premiums have always been fair, both home and auto. And yes I have periodically checked with other insurance agencies over the years to ensure that is the case. Good service and good premiums are important (price is not always everything). Recently, I had cause to make some changes to my auto insurance plan and was extremely happy with the service I received. My current Account Manager and has been for several years now, Michelle Hughes, handled things promptly, made the changes happen almost instantly. She is a real pleasure to deal with and makes things so easy for me. I am and will continue to not only be a client of W B White, but will also ensure I continue to recommend them to friends/family and neighbours. Gary

Al Muise

2024-04-01

The best insurance company I’ve ever dealt with . Great customer service and amazing people ( my broker is Michelle Huges) Honest people doing exceptionally great work to save me money and keeping me protected.

T K

2024-03-12

I felt after many years of being with this company it was definitely time to change. The service was very poor and the communication was low level. Many instances where when I told them something it was not changed to be reflected on my policy and when I called them out on it went unacknowledged. Glad to be with my new agency that literally saved me over $1000 and a much better policy.

Jamie Krol

2023-11-03

My broker is Vanessa, and she failed to provide me with the correct information regarding my policy. (Also very defensive and rude) And during my cancellation process, I was misinformed twice. I had asked her clarifying questions and she assured me everything was OK, when I contacted her again she was denying and defensive and immediately handed me over to someone else.

Richard Yaworski

2023-11-03

I have been a client for years with W B White Insurance, great service and have never had any issues. I highly recommend them it you are looking for Home and Auto insurance.

Kyle Pearn

2023-09-20

Alanna has been attentive, easy to talk too and quick to answer any questions and concerns. I felt like she has truly gone above and beyond to take care of all my needs and wants when it comes to coverage. I want to provide the best I can for my staff, and make sure they and their families have sufficient coverage should anything happen. You need to trust your provider and broker. I can honestly say I trust Alanna 100% . Thank you !

Jordan Gladden

2023-06-30

Amazing company and phenomenal staff! 10/10 !

Michelle Pereira

2023-06-14

Efficient and pleasant!

Rikie Pennings

2023-05-16

Amanda was very helpful and thorough in discussing my questions.