Commercial Lines


Auto / Trucking / Fleets

Topping Insurance has many years of experience in the placement of small, medium and large fleets. We also write individual vehicles, whether they are for your own business, or you work for someone else. Topping Insurance offers competitive pricing and works closely with our companies to help reduce your loss exposure.

Garage Automobile

There are various garage exposures. From a gas station only, operation to a repair garage with, or without vehicle sales. Topping Insurance will insure you receive the right amount of coverage to protect your business with the most competitive rates available.

Ocean Marine

In conjunction with a leading Marine Insurance Company, we at Topping Insurance can design a policy to cover all the hazards related to the movement of your goods.


Church Packages

At Topping Insurance, we can offer policies for churches of all denominations. Our church packages are designed to protect all aspects of exposures addressed by churches.

Farm & Hobby Farms

Hobby Farms have exposures that are not covered under a Homeowner’s policy. At Topping Insurance we can provide a cost effective package to suit your special needs. The livelihood of a farmer depends a lot on situations outside your control. Your farm is a valuable asset, let Topping Insurance help you design a policy that will protect your asset.

Golf Course Packages

We believe that at Topping Insurance, we offer one of the most comprehensive and cost effective golf programs available. The program is designed to address all exposures unique only to golf courses.

Marina Packages

Marina packages are designed to cover all insurance challenges. Some of these exposures could include boat sales, repairs, storage, dockage or gas sales. Topping Insurance offers a comprehensive package, tailor-made to meet all your insurance needs.

Property / Offices / Real Estate Insurance

Your business is far more than a place of employment, it’s your livelihood. At Topping Insurance, we can tailor your insurance policy to meet all your insurance needs at competitive pricing.

Other Coverages Offered


Our experienced staff can address the insurance needs of contractors of all types, and sizes. Our experience enables us to obtain comprehensive coverage at competitive pricing. Our staff at Topping Insurance looks forward to discussing your specific needs.  


A unique part of insuring manufactures is product liability. Any business, big or small, that produces a product that will be used by the public is open to a liability lawsuit. You can trust Topping Insurance to provide you with a package designed to meet all your exposures and provide the protection you need to be successful.

Director & Officer Liability

Unlike Commercial General Liability which provides coverage for bodily injury and property damage. Directors and officers liability provides financial protection. Whether you are a director of a company or sit on the board of an organization, your personal and/or company assets could be at risk if sued in conjunction with the duties that you are performing. Topping Insurance represents a number of companies that offer comprehensive directors and officers liability coverage to meet the requirements of your business.

General Liability

This coverage protects against two types of third party losses, bodily injury and property damage.  It also covers the cost of defending the business owner against allegations brought against the company in court. Whatever business you are in, commercial general liability is a requirement; at Topping Insurance we tailor a policy suitable for your needs.

Pollution Liability

We can provide coverage for the contractor with minimal exposure like the unknown underground oil or gas tank, split solvents, hidden mould or fungai. We also provide coverage for the contractor or engineering firm who engages in remedial work. Whatever your pollution exposure, Topping Insurance can tailor a policy to suit all your needs

Umbrella Liability

In today’s society, we are seeing larger amounts of money being awarded in lawsuits, umbrella liability is designed to give added liability protection above the limits of coverage you may carry on your business/home/auto. The good news is this type of coverage in generally reasonably priced, call Topping Insurance for a quote to add this added protection.

Errors & Omissions

This coverage protects professionals against allegations of error, omission and negligent acts, which causes financial harm to another person. Whether you are a one person consulting firm, an engineer, or an architect, Topping Insurance can identify your exposures and tailor a policy designed to satisfy your insurance needs.