Youngs Insurance — Hamilton's commercial insurance specialists. We don't believe in off-the-shelf policies. Every client gets tailor-made coverage, personal attention, and a broker who actually picks up the phone.
With over 20 years of experience in commercial insurance, our Hamilton office was built on a simple belief: business owners deserve more than a policy number and a 1-800 line.
Based in Hamilton, Ontario and serving clients across the province, we intentionally keep our client roster select. That means when you call, you reach someone who knows your file, understands your industry, and can act quickly on your behalf.
Every policy we place is crafted specifically for your operation — no gaps, no fluff, no surprises at claim time. We take the time to understand what makes your business unique, and we build your coverage around that.
Every policy is built from the ground up for your specific risks and operations.
You're not a policy number. You have direct access to your broker — always.
We keep a limited client base so we can respond quickly when it matters most.
We catch the gaps other brokers miss — before they become costly claims.
We understand that a restaurant faces very different risks than a trucking company. That's why we go deep on the industries we serve — not wide.
From liability and liquor coverage to equipment breakdown and business interruption — we protect the full operation, front-of-house to back-of-house.
Cargo liability, fleet auto, owner-operators, and truck-specific endorsements. We know what's at stake when your livelihood is on the road.
General liability, builder's risk, tools and equipment, and wrap-up coverage for contractors of all sizes across Ontario.
Whether you're in HVAC, plumbing, electrical, or general maintenance, we build policies that protect your crew, equipment, and your clients' property.
Commercial property, general liability, business interruption, and professional coverage — for businesses of every size and sector.
Don't see your sector listed? We work across many commercial lines. Reach out and let's talk — chances are we can help.
From foundational liability to specialized fleet and property programs, we place the right coverage with the right insurer — tailored to your exact business needs.
The cornerstone of any business insurance program. CGL protects your business against third-party claims of bodily injury, property damage, and personal injury arising from your operations, products, or premises.
Core CoverageCoverage for vehicles used in the course of business — from a single company car to specialized work vehicles. Includes third-party liability, accident benefits, collision, and comprehensive coverage for Ontario commercial use.
Core CoverageStreamlined multi-vehicle coverage for businesses operating two or more vehicles. We build fleet programs that consolidate your exposure, simplify administration, and ensure every driver and vehicle is properly protected.
TransportationProtects your physical business assets — buildings, equipment, inventory, and contents — against fire, theft, vandalism, and other perils. Whether you own or lease, we ensure your property is covered at the right value.
Core CoverageErrors & Omissions insurance protects businesses and professionals against claims of negligence, mistakes, or failure to deliver services as promised. Critical for consultants, contractors, and any business providing professional services.
LiabilityCyber liability coverage protects against data breaches, ransomware attacks, business interruption from cyber events, and legal costs of notifying affected customers — increasingly essential for Ontario businesses of all sizes.
Emerging RiskCovers goods and merchandise in transit by truck, rail, or other means. Essential for freight operators, distributors, and businesses that regularly ship or receive high-value goods across Ontario and beyond.
TransportationProtects buildings and structures under construction against damage from fire, theft, vandalism, and weather events. Covers materials on-site, in transit, and temporarily stored off-site for contractors and developers.
ConstructionCovers portable tools and contractor equipment against theft, damage, or loss — on-site, in your vehicle, or in storage. Includes installation floaters for equipment being installed at a client's location.
ContractorIf a covered loss forces your business to temporarily close, business interruption coverage replaces lost income and covers ongoing expenses like rent and payroll — keeping your business financially stable while you recover.
Core CoverageRequired for Ontario businesses that serve or sell alcohol. Host and commercial liquor liability protects restaurants, bars, caterers, and event venues against claims arising from the service of alcohol to guests.
HospitalityProtects the personal assets of company directors and officers if they are sued for alleged wrongful acts in managing the business. Important for incorporated businesses, non-profits, and any organization with a leadership team.
Management LiabilityNot sure which coverages apply to your business? That's exactly what we're here for.
Talk to a Broker →We built this office on the idea that commercial clients deserve the same care and attention as the biggest accounts in the market.
Call or email your broker directly. No call centres, no runarounds — ever.
We review your risks carefully to ensure nothing is left exposed at claim time.
Two decades of commercial insurance expertise working exclusively for you.
Hamilton-based, but serving businesses from Windsor to Ottawa and everywhere between.
Whether you're looking for a second opinion on your current coverage, starting a new business, or simply want to know if there's a better option — we're happy to have a no-pressure conversation.