Business insurance · Canada
APOLLO Insurance
Vancouver digital insurance broker, owned by Gallagher since August 2026, selling small business liability cover online
Market position
APOLLO is a Vancouver-based digital insurance broker and managing general agency, focused mainly on tenant insurance, that also sells general liability, professional liability and contents insurance to small businesses online. Arthur J. Gallagher & Co. announced its acquisition of Apollo Insurance Solutions Ltd. on August 5, 2026, and APOLLO's site says both APOLLO companies are subsidiaries of Arthur J. Gallagher Canada Limited. APOLLO says it manages insurance for over 500,000 Canadians and works with carriers including Lloyd's of London, Tokio Marine Canada and Zurich Canada.
Canada-specific note
APOLLO sells its business policies online: it says you can get insured instantly, on any device, any time, with policy documents emailed right away. Its business menu is built around professions such as consultants, trainers and retailers plus an Independent Contractor page, and the pages we read do not list trades such as electricians or plumbers as eligible; APOLLO notes that physical labour, heavy machinery and client property raise risk and cost. Its site lists nine provinces and does not mention Quebec.
Pros
- + Online quote and purchase, with policy documents emailed instantly
- + Part of Arthur J. Gallagher's Canadian brokerage operations since August 2026
- + Named carriers include Lloyd's of London, Tokio Marine Canada and Zurich Canada
- + General liability, professional liability and contents cover for independent contractors
Cons
- − Business menu is built for professions; no trade-specific pages for electricians, plumbers or HVAC
- − Site lists nine provinces and does not mention Quebec
- − Main focus is tenant insurance, according to Gallagher's acquisition release
- − No fixed business prices, only a $30-$100 a month guide for independent contractors
Typical Canada pricing
Online-quoted; no fixed business prices. APOLLO says independent contractors can generally expect to pay $30 to $100 a month, depending on trade, tools and equipment, location and coverage
Why this matters for Canada trades
Provinces and territories are responsible for apprenticeship training and trade certification; a Red Seal endorsement on a provincial or territorial certificate shows the holder passed the Red Seal exam but does not by itself certify anyone to carry on a trade. In Ontario, working in one of the 23 compulsory trades needs a valid Certificate of Qualification from Skilled Trades Ontario (or a provisional certificate or registered training agreement), only ESA-licensed contractors may do electrical work for hire, TSSA registers fuels contractors and certifies gas technicians, and WSIB says people who own or run a construction business must, with some exceptions, have WSIB coverage and register. The Canadian payroll tools listed here say they handle CRA remittances and Records of Employment; Quebec payroll adds Revenu Québec remittances, QPP, QPIP and RL-1 reporting, which not every tool covers.
Canadian trades vendor selection is shaped by provincial and territorial trade certification (with the interprovincial Red Seal endorsement), provincial safety regulators and workplace insurance boards such as Ontario’s ESA, TSSA and WSIB, CRA payroll remittances, GST, HST and PST (some provinces charge GST and PST separately), and separate Quebec payroll rules (Revenu Québec, QPP, QPIP). Several software vendors listed here publish prices in US dollars.
Frequently asked
Is APOLLO Insurance a good fit for Canada trades?
APOLLO is a Vancouver-based digital insurance broker and managing general agency, focused mainly on tenant insurance, that also sells general liability, professional liability and contents insurance to small businesses online. Arthur J. Gallagher & Co. announced its acquisition of Apollo Insurance Solutions Ltd. on August 5, 2026, and APOLLO's site says both APOLLO companies are subsidiaries of Arthur J. Gallagher Canada Limited. APOLLO says it manages insurance for over 500,000 Canadians and works with carriers including Lloyd's of London, Tokio Marine Canada and Zurich Canada. APOLLO sells its business policies online: it says you can get insured instantly, on any device, any time, with policy documents emailed right away. Its business menu is built around professions such as consultants, trainers and retailers plus an Independent Contractor page, and the pages we read do not list trades such as electricians or plumbers as eligible; APOLLO notes that physical labour, heavy machinery and client property raise risk and cost. Its site lists nine provinces and does not mention Quebec.
What does APOLLO Insurance cost in Canada?
Online-quoted; no fixed business prices. APOLLO says independent contractors can generally expect to pay $30 to $100 a month, depending on trade, tools and equipment, location and coverage. Pricing and availability can change by region; confirm current Canada pricing on the vendor's site before committing.