Business insurance · Canada · Head-to-head
APOLLO Insurance vs Intact Insurance
Two Canada business insurance options, compared side by side for Canada trades.
Which should you choose?
APOLLO Insurance and Intact Insurance are both Tier A, which every business insurance entry without a reputation warning receives, so the tier does not separate them. Weigh the pros, cons, pricing and Canada-specific notes below against your trade and region.
APOLLO Insurance
Tier A · ListedVancouver digital insurance broker, owned by Gallagher since August 2026, selling small business liability cover online
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.
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
Canada 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.
Intact Insurance
Tier A · ListedIntact Financial's Canadian P&C insurer: commercial and contractor coverage sold through brokers
Intact Insurance is the Canadian insurance brand of Intact Financial Corporation (TSX: IFC), which describes itself as the largest provider of property and casualty insurance in Canada and reports $25 billion in total annual operating direct premiums written. For trades, Intact offers commercial coverage for contractors and construction businesses, including commercial general liability and surety bonds. Intact says it works with more than 6,000 independent broker offices across Canada.
Pros
- + Large Canadian P&C carrier (Intact Financial, TSX-listed)
- + Contractor and construction coverage, including liability and surety bonds
- + Nationwide broker network (more than 6,000 broker offices, per Intact)
Cons
- − No direct online quotes for business insurance: a broker is required
- − No public prices; premiums depend on trade, coverage and broker
- − Terms and service vary by broker
Canada note
Business policies are arranged through independent insurance brokers rather than bought online from Intact directly; the broker handles quotes, renewals, changes and claim support. Intact's construction coverage is split into Contractor and Project Construction packages.
More Canada options
See all Canada business insurance vendors and the rest of the Canada directory.