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Retail Insurance

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Rated A+ by Standard and Poor’s and A by A.M. Best

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.

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

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

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*

Commercial general liability

Coverage to protect you in case of lawsuits for bodily or mental injury and property damage, personal and advertising injury liability, and employers’ liability available for Canadian resident employees. 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

Coverage for loss or damage to mechanical or electrical equipment, including:

  • 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  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 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

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 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 

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
  • product impairment coverage*
  • 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

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, 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.