Business insurance to keep your clients moving forward
Providing flexibility to customize a policy for any business in any segment
In today’s changing commercial landscape, Aviva recognizes that your client’s business doesn’t stand still – and neither should their insurance.
Aviva Enterprise™ insurance is a modular product with the flexibility to customize a policy for any business, in any segment – and includes all locations and operations in one Property & Casualty policy. The policy evolves with the changing needs of business, so your clients can be confident they have the protection they want, when they need it.
Aviva Enterprise* insurance is made from three guiding principles to keep coverage simple, effective and responsive to the changing needs of businesses and market trends.
Principle 1: Comprehensive Base Protection
Aviva Enterprise™ insurance works for all businesses and operations, no matter the industry. This comprehensive coverage is responsive to the business needs of today and those of the future.
Principle 2: Industry-specific enhancements
We’ve consulted with our claims and risk management experts to get a clear understanding of exposures for all types of businesses in every market.
And we’ve taken out the guess work and designed ready-to-go coverage enhancements you can easily offer to your clients for protection that is specific to their industry.
Principle 3: Business-specific needs
Whether your client expands operations or purchases new locations, their policy is customizable.
You can tailor coverages, limits and deductibles to meet the unique needs of your clients. Coverage can be written as a standalone offering or as part of a package.
Single Property & Casualty policy convenience
Your clients will appreciate having all locations and operations of the business included in one P&C policy, for easy access and reference. Rather than embed coverage extensions and limits into the policy wording, this information is displayed on an accessible summary page at the front of the policy documents, in simplified language.
Comprehensive base coverage
The Aviva Enterprise™ product offers one suite of base wordings available for any client, no matter the type of business or market segment. This coverage was designed to protect businesses from losses and damage that may result from unexpected events.
The base coverage consists of the following:
Coverage includes building(s), stock and equipment located on your client’s premises as well as utility services, signs, exterior building glass.
Additional extensions of coverage include:
- building upgrades
- environmental upgrades
- landscaping and growing plants
- shrubs or flowers in the open
- business contents away from premises and while at employee residences
- valuable papers
- accounts receivable
All businesses must protect themselves from the unexpected, including:
- bodily or mental injury
- property damage liability
- personal and advertising injury liability
- tenants’ property damage liability
- voluntary medical payments
- non-owned auto
- legal liability for damage to rented automobiles
Your client shouldn’t have to worry about missing out on income when they’ve experienced a loss, damage or business interruption. Aviva Enterprise™ coverage features no dollar limit and no waiting period (unless specified in the policy). Protection extends to lost income from circumstances such as:
- negative publicity
- restricted access to a business
- a covered loss to a supplier’s location or key location
Coverage also extends to accountants’ fees, fines and penalties, newly acquired locations, mortgage rate guarantees which includes ordinary payroll.
Important systems such as computers, photocopiers, production machinery, heating and air conditioning, point-of-sale (POS) systems and refrigeration equipment are protected in case of:
- electrical arcing
- mechanical breakdown
- pressure explosions
- centrifugal force
The product provides a broad range of crime coverages, including:
- employee dishonesty
- money, securities and other property
- counterfeit currency and money orders
- forgery, alteration, credit cards and automated teller cards
- electronic fraud and funds-transfer fraud
- incoming cheque forgery
This insurance is not included in most commercial insurance policies, but can be added to an Aviva Enterprise™ policy. This extra layer of coverage is designed to go above and beyond other liability policies, providing higher limits in the event of a catastrophic loss.
Industry segments: ready-to-go
Aviva Business insurance products appeal to a wide range of commercial clients. Here’s a snapshot of the industry segments that fit our appetite, where you can expect competitive pricing.
Be sure to connect with your Aviva Commercial underwriter to learn more about the classes of business we want to write in your region.
Protection for automotive businesses such as dealerships, repair shops, car washes, garages and gas stations.
Builder's Risk and Contractors
From growing contracting businesses, including those operating in demolition, HVAC, electrical and plumbing to specialty contracting, such as building raising and moving.
Business and Professional Services
Coverage for business service providers, such as consulting, engineering, financial and legal, building/property management and funeral services.
Education and Organizations
Coverage for business colleges, trade or vocational schools, daycares, driving schools and private schools.
Hospitality and Lodging
Insurance protection for resort properties, summer camps, hotels, trailer parks, restaurants and other hospitality and lodging operations.
Manufacturing and Wholesaling
Customized coverage for a wide range of businesses and operations that manufacture building materials, medical equipment, transportation equipment and products for the food and beverage industry.
Protection for businesses in the real estate market, including high-rise condominiums, office buildings, townhouses and subdivisions.
Coverage for an array of retailer types and sizes such as cosmetic businesses, repair shops, liquor stores, drug stores, clothing stores and more.
Transportation and Logistics
Tailored coverage for businesses and operations in marinas, freight brokers and forwarders, public transit and air transportation services.
* The Aviva Enterprise™ policy is underwritten by Aviva Insurance Company of Canada. The information on this website is provided to you for information purposes only. Terms and conditions apply, for exact terms, definitions, limitations and extensions, please refer to the actual policy wordings. Aviva and the Aviva logo are trademarks used under license by the licensor.