Feel secure knowing that you’re getting insurance designed to meet the unique needs and risks of your business. Aviva Enterprise Manufacturing and Wholesaling insurance is available exclusively through insurance brokers.
Choose the right coverage
Enjoy standard features and customize your policy to your specific needs.
Manufacturing
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Property
Coverage for your buildings, exterior glass and signs, towers, renewable energy equipment, sewers and utilities above and below ground on the premises* and more.
- your business contents (including while away from your premises) such as stock, equipment, electronic equipment including laptops on and off premises
- customers’ goods
- brands and labels
- environmental upgrade – build back better
- installation coverage
- stock spoilage
- stock contamination
- precious metals or other valuable property
- transportation± to cover your cargo while in transit, including reefer breakdown
Examples of coverages** available to customize your policy to your specific operations include:
- breweries and wineries – off premises processing, water leakage and contamination, product leakage
- moulds, dies and patterns in the custody of others
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
- environmental upgrade
- expediting and extra expenses
- inspection and approval costs
- stock spoilage
- loss of income± including fines and penalties, internet service, utility service interruptions and restricted access
- 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 features**:
- coverage territory is worldwide for products, provided actions are brought in Canada or the U.S.
- employers’ liability
- fungi and spores
- product recall expenses**
- product rectification expenses (failure to manufacture to specifications)**
- manufacturers’ E&O – loss of use**
- non-owned automobile third party liability
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
- umbrella coverage provides an extra layer of liability coverage in the event of a catastrophic loss
- employee benefits liability
- cyber insurance** helps you prevent and respond to cyber security threats
- commercial auto***
*within your property lines, areas under adjoining sidewalks and driveways, and in or on vehicles within 100 m
**availability limited to certain operations
***commercial auto is offered on a separate policy
± optional coverage
Wholesaling
-
Property
Coverage for your buildings, exterior glass and signs, towers, renewable energy equipment, sewers and utilities above and below ground on the premises* and more.
- your business contents (including while away from your premises) such as stock, equipment, electronic equipment including laptops on and off premises
- customer's goods
- brands and labels
- damage by animals or insects
- stock contamination
- stock spoilage
- warehouseman’s± legal liability coverage, to cover the property of others held by you
- transportation±, including reefer breakdown
- contractors' equipment±
- coverage for loss or damage to your stock while being worked upon or serviced±
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 features**:
- coverage territory is worldwide for products, provided actions are brought in Canada or the U.S.
- employers’ liability
- fungi and spores
- employee benefits liability
- product recall expenses**
- non-owned automobile third party liability
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
- environmental upgrade
- expediting and extra expenses to keep your business up and running
- stock spoilage
- loss of income± including fines and penalties, internet service, utility service interruptions and restricted access
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
Add even more protection*
- cyber insurance** helps you prevent and respond to cyber security threats
- pollution 120-hr extension
- commercial auto coverage***
- umbrella coverage provides an extra layer of liability coverage in the event of a catastrophic loss
*within your property lines, areas under adjoining sidewalks and driveways, and in or on vehicles within 100 m
**availability limited to certain operations
***commercial auto is offered on a separate policy
± optional coverage
For your surety needs
Financial security guaranteed to get the job done
Contract Surety
This bond guarantees your commitment that a product will be manufactured and/or delivered on time.
Insurance solutions you need
With Aviva Enterprise Manufacturing and Wholesaling insurance, you'll get:
Manufacturing and wholesaling insurance experts
Experts who understand the unique needs and risks of a wide range of businesses within the manufacturing (food, metal, wood, breweries, wineries and others) and wholesale sector.
One comprehensive policy
In addition to our broad base coverage, your policy can be customized with coverages and higher limits recommended for the manufacturing and wholesaling industries.
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 business insurance
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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 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.