Retail Insurance

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No matter what kind of retail business you’re in – from clothing to electronics, bakeries to building materials – you need the right insurance protection. Aviva offers customized coverage for retailers just like you, so your assets will be protected and you can focus on your business. Retail insurance is available exclusively through insurance brokers.

Choose the right coverage

If you’re in the retail business we’ve got the experience to provide you with the right insurance coverage such as:

  • 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 customers’ goods, stock spoilage, electronic equipment (including laptops) on and off premises, goods in transit
    • brands and labels, building damage by theft, personal effects of officers, employees, customers, accounts receivable, seasonal stock increase up to 50%
    • privacy breach expenses
    • coverage for property held by others
    • transportation coverage, including reefer breakdown
    • and more


    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 brought in Canada or the U.S.
    • employers’ liability for Canadian resident employees
    • fungi and spores
    • employee benefits errors and omissions (E&O) liability
    • non-owned automobile third party liability 
    • product recall expense
    • 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


    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
    • medical expense incurred from robbery
    • seasonal increase

    Add even more protection

    • privacy breach E&O 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

Optional coverage

Customize your retail policy with these optional enhancements:

Coverage for complex risks

Some retailers have more complex risks than others, for example, you may own stores or property located in the U.S. 

Insurance solutions you need

With Aviva Business retail insurance, you'll get:

Retail insurance experts

Experts who understand the needs of a wide range of businesses within the retail segment.

One comprehensive policy

In addition to what’s offered in our standard policies, this specialized package includes unique protection.

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

  • 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.