Property Insurance

Overview

CHES provides comprehensive property insurance solutions for brokers placing risks across Canada, from commercial property insurance and property insurance for commercial property to rental property insurance, vacant home insurance, and cottage insurance.

Whether your client needs tenant insurance Ontario, tenant insurance BC, or a growing operation requires construction company insurance, our underwriting team brings together local insight and national capacity. We help brokers confidently place high‑value assets, complex schedules, renovations, and course‑of‑construction exposures with speed and precision.

Coverage Highlights

  • iconCommercial Property & Package solutions for a wide range of occupancies, including retail, office, warehouse, hospitality, and mixed‑use properties.
  • iconRental property insurance for landlords with single‑unit, multi‑unit, or seasonal rentals.
  • iconVacant property solutions, including short‑term vacancies, estate properties, and transitional periods between tenants.
  • iconBuilders Risk / Course of Construction protection for new builds, renovations, and construction operations—ideal for brokers supporting construction company insurance needs.
  • iconHospitality & Restaurant property programs built for real‑world operational exposures.
  • iconHigh‑value homes, cottages, and seasonal dwellings requiring tailored coverage.
  • iconSolutions for both commercial property insurance and property insurance for commercial property portfolios.
property insurance

Why CHES

01

Fast Quote Turnaround

supported by deep market access across Canada.

02

Flexible Appetite

for unique, emerging, and hard‑to‑place risks.

03

Quick Escalations

when capacity is needed, thanks to short decision lines and national underwriting expertise.

FAQ’s

Commercial property insurance in Canada is a policy that protects business buildings, equipment, inventory, and contents against risks like fire, theft, vandalism, and water damage. It helps businesses recover financially and continue operations after unexpected property losses.

The cost of commercial property insurance in Canada depends on factors such as property value, location, construction type, occupancy, and claims history. Higher-risk properties or specialized operations may require higher premiums or specialty insurance markets.

Commercial property insurance typically covers buildings, contents, equipment, inventory, and business interruption losses caused by insured perils such as fire, theft, vandalism, and certain weather-related events, depending on policy terms and conditions.

Vacant property insurance in Canada provides coverage for buildings that are unoccupied for extended periods. It protects against increased risks such as vandalism, fire, water damage, and break-ins that standard policies may exclude.

Builder's risk insurance in Canada is a specialized policy that covers buildings and structures during construction or renovation. It protects materials, supplies, and partially completed work from risks like fire, theft, and weather-related damage.

Hard-to-place property risks include vacant buildings, older properties, unusual occupancies, high-value assets, or properties with prior claims. These risks often require specialty insurers because standard insurance markets may decline or restrict coverage.

Property insurance premiums are influenced by building value, location, construction type, occupancy, fire protection systems, security measures, and past claims history. Accurate information helps insurers assess risk and determine appropriate pricing.

Brokers can submit commercial property risks by providing details such as occupancy, construction, replacement cost, protection systems, and loss history. Complete and accurate submissions help underwriters quote faster and match risks with suitable markets.

Let CHES help you place your next commercial property, rental, vacant, cottage, or construction‑related risk with confidence.

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