Aviva Onpoint™

Small business insurance that hits the mark for your clients

Rated AA- by Standard and Poor’s and A by A.M. Best

Today, there are over 1.1 million small businesses across Canada that make up 98% of the Canadian economy.1

Aviva Onpoint™ insurance is a product created for small businesses that offers relevant protection and coverage amounts suited to their needs. Your clients will also benefit from only needing one P&C policy. 

Who’s Aviva Onpoint™ insurance for?

If your client has revenue of up to $5 million in Canadian sales and operation(s), your client may qualify for Aviva Onpoint™ insurance*. We offer the product to: Business & Professionals, Contractors and Retailers. We’ll be expanding our appetite in the future to include offerings for additional markets.

If your client doesn’t qualify for Aviva Onpoint™ insurance, connect with your Aviva Commercial Underwriter who will be happy to explore alternatives such as our Aviva Enterprise™ policy. 

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Business & Professional Services

Business consultants, graphic designers, lawyers, real estate agents and more

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Electricians, landscapers, painters, renovation contractors and more  

Paint store owner showing woman paint colour samples


Bicycle shops, drug stores, flower shops, hardware stores and more

Broad base protection

Aviva Onpoint™ insurance offers broad coverage for your client’s business from losses and damage that result from unexpected events. 

All policies include


Coverage includes building(s), stock and equipment located on your client’s premises as well as utility services, signs, and 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

Note: This coverage is not mandatory for contractors


All businesses should 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 autos

Additional coverages to consider**

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 Onpoint™ 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 guarantee and 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


The product provides a broad range of crime coverages, including:

  • 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

Inland Marine

Coverage for contractor’s equipment and tools that are offsite.


Helps pay for the medical and out-of-pocket costs due to an accidental injury or a covered illness.

* The Aviva Onpoint™ 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 speak with your insurance broker for more information. Aviva and the Aviva logo are trademarks used under license by the licensor.  

**Additional coverages are available for certain operations. Speak to your broker for more information. 

Completely customer-centric

Your clients will enjoy three leading benefits, giving them the coverage they need for their small business.

Broad base protection

Clients will enjoy a broad range of coverages created to support their success.

Enhanced coverage options

Access to additional coverages such as accident, equipment breakdown, crime and more.

Tailored to suit their needs

Industry-specific protection that fits your client’s type of business.

All-in-one, easy-to-understand policy

Your clients will benefit from having up to three operations included on one, easy- to- reference P&C policy. All policy information is displayed on a summary page at the front of the policy documents, in simplified language.
Female business professionals looking over a document.

Focus on small business

Looking for resources related to topics of interest impacting small business owners? Our product, risk management and claims experts have come together to offer their insights and knowledge on current trends, risks and prevention solutions that are easy to share with your clients, prospects and team. 

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What insurance does your small business need?

PDF version

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What information do I need to get a small business insurance quote?

PDF version

Woman shaking hands with a client in an office.

The benefits of working with an insurance broker

PDF version

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How to structure and protect multiple businesses

PDF version

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Meet Aviva Ally

Aviva Ally is your pathway to a quick, efficient and seamless quote-and-bind experience – providing you with the flexibility to submit small business applications in multiple ways, however you choose.

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Onpoint tool kit

Get quick and easy access to Aviva Onpoint™ insurance product resources including coverage information and product brochures.

Aviva Business Blog

Explore and share small business related articles with your clients to help them stay informed about industry trends and prevention solutions.

1Key Small Business Statistics - June 2016. (2016). Retrieved from the Government of Canada: https://www.ic.gc.ca/eic/site/061.nsf/eng/h_03018.html