Business and Professional Services Insurance

Insurance that lets you focus on your clients

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

Created for business service providers like consultants, graphic designers, hair salons or veterinarians. You can get specialized coverage specific to your operation. Business and professional services insurance is available exclusively through insurance brokers. 

Which product option is right for my business?

Small business owner or entrepreneur?

Aviva Onpoint™ insurance is right for your business if you have one location with up to 3 types of business operations and up to $5 million in Canadian revenue per year.

Small to medium sized enterprise?

Aviva Enterprise™ insurance is right for your business if you have multiple locations and types of business operations with up to $100 million in Canadian revenue per year.

Choose the right coverage

Enjoy standard features and customize your policy to your specific needs

Aviva Onpoint™ insurance

Aviva Onpoint™ insurance for small businesses.

All policies include

Property

Coverage for loss or physical damage to your buildings (including upgrades) and business contents:

  • contents coverage includes customers’ goods, electronic equipment  (including laptops) on and off premises, goods in transit
  • coverage included for brands and labels, building damage by theft, personal effects of officers, employees, customers and guests, accounts receivable, seasonal stock increase up to 50% 
  • privacy breach expenses*

Examples of coverages* available to customize your policy to your specific operations include:

  • graphic trades extension 
  • funeral home property extension – coverage for jewellery, watches and precious stones
  • veterinarians property - coverage for non-owned animals 

Commercial general liability

Coverage to protect you in case of lawsuits for bodily or mental injury and property damage, personal and advertising injury liability, tenant’s property damage liability, employers’ liability for Canadian resident employees and voluntary medical payments. The coverage territory is worldwide, provided the action is brought in Canada or the U.S.

Additional coverages to consider

Business income

Protection for your business income**, after a loss, until your business returns to normal, including:

  • ordinary payroll expenses 
  • service interruption
  • restricted access
  • negative publicity
  • mortgage rate guarantee
  • and more

Equipment breakdown

Protection for accidents to compressors, heating systems, electrical panels, mechanical or electrical machines or apparatus including production machinery. Coverage includes:

  • ammonia contamination
  • errors and omissions
  • fluid escape
  • hazardous substances
  • loss of income including fines and penalties, internet service utility service interruptions and restricted access
  • and more

Crime

Coverage for a broad range of business-related crime, including:

  • employee dishonesty*
  • money, securities and other property
  • counterfeit currency and money orders
  • forgery, alteration, credit card and automated teller card
  • electronic fraud and funds-transfer fraud
  • incoming cheque forgery
  • client or customer property
  • expense incurred from robbery

*Only available for certain operations

**The actual amount of the business income loss would be covered including any extra expense.

Aviva Onpoint insurance is currently available for Business & Professionals, Contractors and Retailers.

Aviva Enterprise™ insurance

Aviva Enterprise™ insurance for small to medium-sized businesses.

Property *

Coverage for your buildings (including upgrades), exterior glass and signs, towers, renewable energy equipment, sewers and utilities above and below ground on the premises* and more

  • contents coverage includes point-of-sale equipment, electronic equipment (including laptops) on and off premises and more
  • accounts receivable
  • privacy breach expenses  

Examples of coverages** available to customize your policy to your specific operations include:

  • printers and graphic trades (for printing of  tickets, cash cards, stamps, etc.)
  • funeral home property extension
  • veterinarians property - coverage for non-owned animals and more
  • coverage for property of others while you’re working on it (eg – repair services)
  • coverage for property you’re holding for others (eg – consignment stores)
  • contractors’ equipment and tools
  • and more 

Liability

Coverage to protect you in case of lawsuits for bodily or mental injury and property damage, personal and advertising injury liability, tenant’s property damage liability and voluntary medical payments.

Other coverages include**:

  • liability for non-owned automobiles
  • pesticide applicator’s pollution liability
  • professional liability for graphic trades, cosmetics and hair services, veterinarians, funeral homes and travel agents
  • and more

Business income

Protection for your business income after a loss until your business returns to normal, including:

  • no dollar limit on loss of business income, extra expenses, or additional time due to bylaw compliance
  • payroll expense coverage
  • utilities service interruption
  • restricted access
  • negative publicity
  • mortgage rate guarantee
  • and more

Equipment breakdown

Protection for accidents to compressors, heating systems, electrical panels, mechanical or electrical machines or apparatus including production machinery.

Coverage** includes:

  • ammonia contamination
  • brands and labels
  • errors and omissions
  • fluid escape
  • hazardous substances
  • research and development costs
  • loss of income resulting from an equipment breakdown
  • production machinery
  • utility service interruption
  • computer equipment, data and media

Crime

A broad range of coverages, including:

  • employee dishonesty
  • money, securities and other property
  • counterfeit currency and money orders
  • forgery, alteration, credit card and automated teller card
  • electronic fraud and funds-transfer fraud
  • incoming cheque forgery
  • client or customer property 

Add even more protection

  • employee benefits errors and omissions (E&O) liability
  • privacy breach E&O liability
  • intellectual property rights infringement defence costs**
  • umbrella coverage, providing an extra layer of liability coverage in the event of a catastrophic loss
  • commercial auto***
  • accident insurance

*your premises includes the area within your property lines, areas under adjoining sidewalks and driveways, and in or on vehicles within 100 m.

**availability limited to certain operations

***offered on a separate policy

Insurance solutions you need

With Aviva Business and Professional Services insurance, you'll get:

Business and professional services insurance experts

Access to experts who understand the needs and risks of a wide range of businesses within the professional services sector.

One comprehensive policy

In addition to what’s offered in our standard policies, this specialized package includes unique protection for business and professional services organizations. We can customize an insurance policy to meet your business needs.

Access to our wide network of claims professionals

In the event of a claim, we’ll help you get back on track by resolving it efficiently and hassle-free.

Frequently asked questions

We answer your questions on automotive sales and services

Why do I need commercial property insurance for my business?

To keep your business operating you rely on having its physical assets protected, such as the building, equipment, inventory and stock, tools, contractor’s equipment, business income and rental income. A commercial property insurance policy protects your assets from damage or destruction.

What is Commercial General Liability (CGL) insurance? Why do I need it for my business?

CGL insurance is designed to protect your business from being found legally liable for injuries or property damage caused by your product, completed work or accidents on your premises involving visitors or customers, or at your customer’s location.  Standard coverage includes - Bodily injury and property damage liability, Personal injury liability, Medical payments and Tenant’s legal liability.  Every day your business is exposed to different liability hazards associated with the work you do.  No one thinks a claim or a lawsuit will be filed on their business until it happens. Having the right CGL policy for your business is one of the smartest decisions you can make to protect it.


What could happen if I don’t have the right coverage in place for my business?

Your business could be responsible for paying for claims or lawsuits on your own. These expenses could be in the form of damages to third parties, legal defense costs, replacement of uninsured property, among many others.  Depending on the nature of the loss, this could result in an unexpected expense for the business. Or in more severe cases, it could have a significant impact on the ability for your business to remain open.

Insurance brokers, the right choice for you

Get expert advice for your business insurance needs.