Commercial property insurance by market
134 Canadian markets. 15 of them carry curated broker input for premium bands — the others show replacement cost, mapped perils and the national band, and say plainly that no local rate input exists.
01Curated markets
Markets with broker input
A local rate factor, a named contributor and an observation date. Extending this list is an editorial decision, not a crawl.
- Toronto, ONSewer backup and water damage frequency, not fire, is what loads a Toronto commercial schedule.
- Montreal, QCPre-war joisted masonry stock and the western Quebec seismic zone set the ceiling on the preferred market.
- Vancouver, BCEarthquake is a separate percentage deductible here, and it is the single largest line on most Lower Mainland quotes.
- Calgary, ABHail. Membrane roofs in the Calgary corridor carry their own deductible and drive the whole rate.
- Edmonton, ABHail exposure is real but below the Calgary corridor; older industrial electrical is the more common decline reason.
- Ottawa, ONA stable, institutionally-tenanted book — the softest major-market property rates in Ontario.
- Winnipeg, MBRed River flood mapping and an older masonry core narrow the market before rate is even discussed.
- Quebec City, QCHeritage masonry in the core rebuilds at a premium the standard cost table understates.
- Hamilton, ONConverted industrial stock: the rate follows the tenant's process, not the age of the shell.
- Mississauga, ONModern sprinklered masonry non-combustible distribution product prices at the bottom of the national band.
- Surrey, BCSeismic plus Fraser floodplain: two named perils on one certificate.
- Halifax, NSPost-tropical storm surge has repriced coastal commercial property since Fiona.
- London, ONA deep local market for mid-size multi-residential keeps rate competitive on clean risks.
- Victoria, BCHighest seismic band in the dataset combined with an unreinforced masonry heritage core.
- Saskatoon, SKPrairie hail frequency puts a separate roof deductible on nearly every commercial schedule.
Alberta
British Columbia
Manitoba
New Brunswick
Newfoundland and Labrador
Northwest Territories
Nova Scotia
Nunavut
Ontario
- Ajax
- Barrie
- Belleville
- Bradford West Gwillimbury
- Brampton
- Brantford
- Burlington
- Caledon
- Cambridge
- Chatham-Kent
- Cornwall
- Greater Sudbury
- Guelph
- Halton Hills
- Hamilton·
- Kingston
- Kitchener
- London·
- Markham
- Milton
- Mississauga·
- Newmarket
- Niagara Falls
- Norfolk County
- North Bay
- Oakville
- Orillia
- Oshawa
- Ottawa·
- Owen Sound
- Peterborough
- Pickering
- Richmond Hill
- Sarnia
- Sault Ste. Marie
- St. Catharines
- Stratford
- Thunder Bay
- Timmins
- Toronto·
- Vaughan
- Waterloo
- Welland
- Whitby
- Windsor
- Woodstock