COMMERCIAL INSURANCE | PRIVATE CLIENT

Protect the business. Protect what it built.

I work with business owners, commercial property investors and families across Ontario to review commercial and personal insurance exposures before the conversation becomes solely about premium.

Andre Lanni | Insurance Broker with Billyard Insurance Group Inc.

Monochrome Toronto skyline and modern architecture

ONE RELATIONSHIP

One relationship. Two sides of the balance sheet.

Commercial Insurance

Coverage structured around how the business actually operates.

Commercial Property

Business Interruption

General Liability

Commercial Auto

Professional Liability

Cyber

Surety & Bonding

Contractual Insurance Requirements

Private Client

Protection built for the life you’ve created.

Homes

Vehicles

Secondary Properties

Rental Properties

Valuable Assets

Personal Liability

HOW I WORK

The quote shouldn’t be the first question.

01

Understand the Exposure

What does the business or portfolio actually look like?

01

Understand the Exposure

What does the business or portfolio actually look like?

02

Review the Structure

Where could limits, valuations, exclusions or disconnected policies require attention?

02

Review the Structure

Where could limits, valuations, exclusions or disconnected policies require attention?

03

Explain the Options

Make the coverage and trade-offs clear enough for the client to make an informed decision.

03

Explain the Options

Make the coverage and trade-offs clear enough for the client to make an informed decision.

PORTFOLIO PERSPECTIVE

Areas I Review

Property Values

Business Interruption

Liability

Contractual Risk

Private Asset Portfolios

Excess Liability

Andre Lanni, professional portrait
Andre Lanni, professional portrait

Andre Lanni

Commercial Insurance Broker | Private Client Advisor

I work with business owners, commercial property investors and families across Ontario through Billyard Insurance Group Inc., with a focus on commercial insurance and Private Client portfolios.

My approach is straightforward: understand what the client has built, identify the risks that could materially affect it, explain the coverage and trade-offs clearly, and help the client make an informed insurance decision.

What has changed since your last insurance review?

Business operations change. Property values change. Revenue changes. Assets accumulate. Your insurance program should be reviewed accordingly.

Andre Lanni

Commercial Insurance Broker | Private Client Advisor

Brokerage: Billyard Insurance Group Inc.

© 2026 Andre Lanni

Andre Lanni

Commercial Insurance Broker | Private Client Advisor

Brokerage: Billyard Insurance Group Inc.

© 2026 Andre Lanni

Andre Lanni

Commercial Insurance Broker | Private Client Advisor

Brokerage: Billyard Insurance Group Inc.

© 2026 Andre Lanni