Manufacturing and Wholesaling Insurance

Comprehensive insurance for businesses

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

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

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

  • 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
  • installation coverage
  • stock spoilage
  • stock contamination
  • precious metals or other valuable property
  • privacy breach expenses
  • 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
  • animal stock

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 by-law compliance
  • payroll expense
  • utilities service interruption
  • product impairment in case your product is recalled
  • 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
  • computer equipment, data and media on and off premises, and at employee residences
  • 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, provided actions are brought in Canada or the U.S.
  • employers’ liability for Canadian resident employees
  • fungi and spores
  • pollution caused by products
  • property damage due to defective automobile repair or servicing
  • professional services errors and omissions (E&O) by employees for product design or testing
  • product recall expenses
  • product rectification expenses (failure to manufacture to specifications)  
  • defective products (manufacturers’ E&O)  
  • coverage for damage to your work in progress
  • 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*

  • business and personal liability coverage
  • umbrella coverage provides an extra layer of liability coverage in the event of a catastrophic loss
  • seed trades E&O liability
  • employee benefits E&O liability
  • privacy breach E&O liability
  • commercial auto***

*availability limited to certain operations

**within your property lines, areas under adjoining sidewalks and driveways, and in or on vehicles within 100 m

***commercial auto is offered on a separate policy

Wholesaling

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.

  • 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
  • infestation 
  • stock contamination
  • stock spoilage
  • privacy breach expenses
  • 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, provided actions are brought in Canada or the U.S.
  • employers’ liability for Canadian resident employees
  • fungi and spores 
  • pollution caused by products
  • employee benefits errors and omissions (E&O) liability
  • product recall expenses
  • product rectification expenses (failure to manufacture to specifications)  
  • non-owned automobile third party liability 

Business income

Protection for your business income after a loss at your premises 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
  • contingent business interruption, in the event that your supplier suffers a loss, resulting in your inability to provide services
  • utilities service interruption
  • product impairment in case your product is recalled
  • restricted access
  • negative publicity  
  • 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
  • computer equipment, data and media on and off premises, and at employee residence
  • 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*

  • rigging and moving to cover accidental dropping or slipping of property
  • privacy breach errors and omissions liability
  • pollution 120-hr extension
  • commercial auto coverage***
  • umbrella coverage provides an extra layer of liability coverage in the event of a catastrophic loss

*availability limited to certain operations

**within your property lines, areas under adjoining sidewalks and driveways, and in or on vehicles within 100 m

***commercial auto is offered on a separate policy

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 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.