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 edges ahead on our Canada tiering (Tier S vs A), but both are workable — the right pick depends on your trade, region, and the Canada-specific notes below.
APOLLO Insurance
Tier S · RecommendedCA-only fully-online business insurance — 24/7 purchase, all-digital
APOLLO Insurance is CA-only fully-online business insurance — 24/7 self-serve quote, bind, and purchase. Most digital-native of CA business insurance options. Best fit for CA trades wanting fastest possible time-to-coverage without any agent interaction.
Pros
- + Most digital-native CA business insurance — 24/7 purchase
- + Fastest time-to-coverage of CA options
- + Modern UI vs legacy CA broker experience
Cons
- − Newer CA insurer — shorter track record than incumbents
- − Limited cross-market value
- − May not match price for complex trade categories
Canada note
24/7 online purchase is the structural differentiator — most CA business insurance still requires agent/broker engagement for binding.
Intact Insurance
Tier A · WorkableCanada's largest P&C insurer — broad commercial and contractor coverage, broker-distributed
Intact Financial is Canada's largest property-and-casualty insurer (Toronto-headquartered, with predecessor roots back to the 1809 Halifax Fire Insurance Association and C$11B+ in revenue). For trades, Intact provides commercial property, liability, and specialty coverage — the major Canadian carrier sitting behind much of the country's contractor insurance, including on the panels of online brokers like Zensurance.
Pros
- + Canada's largest P&C insurer — top financial strength
- + Broad commercial, liability, and specialty coverage
- + All-province coverage including Quebec
- + Sits behind much of Canada's contractor insurance
Cons
- − Broker-distributed — not direct online quoting
- − Big-carrier experience rather than digital-native
- − Pricing varies by broker
- − Less self-serve than Zensurance or APOLLO
Canada note
All-province Canadian carrier, distributed primarily through brokers rather than direct online. It is a dominant insurer in Quebec as well, and its scale gives it the financial strength and claims infrastructure of Canada's largest P&C insurer.
More Canada options
See all Canada business insurance vendors and the rest of the Canada directory.