Aviva Enterprise™

Business insurance to keep you moving forward

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

In today’s changing commercial landscape, Aviva recognizes that your business doesn’t stand still — and neither should your insurance.

The Aviva Enterprise™ business insurance solution offers you the flexibility to customize your policy, regardless of the size or industry you belong to – and includes all locations and operations in one Property & Casualty policy. You can be confident that your coverage is adaptable and will continue to offer you the protection you need.

Built with business in mind

The Aviva Enterprise* insurance policy is built on three guiding principles designed to keep your coverage simple, effective and responsive to changes to your business and in your industry. Now you can get comprehensive coverage suitable to your industry segment while having the flexibility to make changes to reflect the evolving needs of your business.

Principle One: Comprehensive base protection

Coverage available to you, no matter the type of business, including property, general liability, business income, inland marine, equipment breakdown and crime. Includes features such as environmental and building upgrades and mental injury.

Principle Two: Industry specific enhancements

Aviva’s claims and risk management experts have evaluated common claims and loss exposures for all types of businesses in every market. Add industry specific enhancements designed to protect you from exposures related to your industry. 

Principle Three: Business specific needs

As an added layer of protection, customize your policy to the specific needs of your business, covering all of your operations, locations and equipment under one policy. Choose coverages, limits and deductibles that are right for your business.

Single policy convenience

Now you can refer to one policy for easy access and reference. 

Go to the summary page at the front of your policy document to easily view all locations and operations of your business. You can quickly reference coverage, limits and deductibles.

Comprehensive base coverage

Aviva Enterprise™ offers comprehensive base coverage to protect your business from losses and damage that result from unexpected events. 

Property

Coverage for your buildings (including upgrades), stock and equipment located on your premises as well as utility services, signs, exterior building glass.  

Additional extensions of coverage include:

  • environmental upgrades
  • landscaping and growing plants shrubs or flowers
  • business contents away from premises or while at employee residences  
  • valuable papers
  • accounts receivable 

Liability

All businesses must protect themselves from the unexpected, including:

  • bodily or mental injury
  • property damage liability
  • personal and advertising injury liability
  • tenants’ property damage liability
  • voluntary medical payments
  • non-owned auto
  • legal liability for damage to rented autos

Business income

You shouldn’t have to worry about missing out on income when you’ve experienced a loss, damage or business interruption. Aviva Enterprise™ coverage features no dollar limit and no waiting period**. Protection extends to lost income from circumstances such as:

  • negative publicity
  • restricted access to a business 
  • a covered loss to a supplier’s location or key location

Coverage also extends to accountants’ fees, fines and penalties, newly acquired locations, mortgage rate guarantees and payroll.

Equipment breakdown

Important systems such as computers, photocopiers, production machinery, heating and air conditioning, point-of-sale (POS) systems and refrigeration equipment are protected in case of:

  • electrical arcing
  • mechanical breakdown
  • pressure explosions
  • centrifugal force

Crime

A broad range of coverages, including:

  • employee dishonesty 
  • money, securities and other property
  • counterfeit currency and money orders
  • forgery, alteration, credit cards and automated teller cards
  • electronic fraud and funds-transfer fraud
  • professional fees 
  • incoming cheque forgery

Umbrella liability

Not included in most commercial insurance policies, Umbrella liability can be added to your Aviva Enterprise™ policy. This extra layer of coverage is designed to go above and beyond other liability policies, providing higher liability limits in the event of a catastrophic loss.

 

* The Aviva Enterprise™ policy is underwritten by Aviva Insurance Company of Canada.  The information on this website is provided to you for information purposes only. Terms and conditions apply, for exact terms, definitions, limit ations and extensions, please speak with your insurance broker for more information. Aviva and the Aviva logo are trademarks used under license by the licensor.  

**unless specified in the policy

Frequently asked questions

We answer your questions on Aviva Enterprise

What is Aviva Enterprise™?

The Aviva Enterprise™ insurance solution offers streamlined, business insurance coverage that’s flexible for businesses of all sizes. It’s built on three principles designed to keep your coverage simple, effective and responsive to market changes and trends. It includes comprehensive base coverage, industry specific enhancements and customization for your business specific needs, all included on one policy.

Talk to your broker to learn more.

How can I purchase an Aviva Enterprise™ insurance policy?

Talk to your broker and ask about the Aviva Enterprise™ policy. 

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