As per Toronto Municipal Code Chapter 466, Municipal Licensing & Standards issues five types of permits for people wishing to sell fireworks on a temporary and permanent basis.
Fireworks definitions and insurance requirements
For insurance requirements purposes, fireworks are grouped into two categories:
1. Family fireworks - $2,000,000 CGL insurance
"Family fireworks" are considered low hazard fireworks used for recreation, such as fireworks showers, fountains, golden rain, lawn lights, pinwheels, Roman candles, volcanoes, sparklers and other similar devices. Vendors who would like to sell family fireworks are required to show proof of at least $2,000,000 in Comprehensive General Liability insurance, naming the City as an additional insured.
2. Display and theatrical fireworks - $5,000,000 CGL insurance
"Display fireworks" are considered high hazard fireworks, such as rockets, serpents, shells, bombshells, tourbillions, maroons, large wheels, bouquets, barrages, bombardos, waterfalls, fountains, batteries, illuminations, set pieces and pigeons.
"Theatrical explosives" are those used to produce a pyrotechnic theatrical effect in connection with a motion picture, theatre or television production, or performance. Vendors who would like to sell display or high hazard fireworks are required to show proof of at least $5,000,000 in Comprehensive General Liability insurance, naming the City as an additional insured.