Aviva Enterprise™

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.

Completely customer-centric

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 Policy Infographic

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:

Property

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 

Liability

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

Business income

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.

Equipment breakdown

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



Crime

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



Umbrella liability

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.

* 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.