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Property and Casualty Insurance

Protect your business from loss,
lawsuits and more

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Whether you operate a small, mid-size or complex business, Aviva offers a wide range of Property and Casualty Insurance solutions to help protect your business. Designed to be responsive to changes in your business and industry, an Aviva Property and Casualty policy offers you comprehensive coverage with the flexibility to customize based on the needs of your business.

Built with business in mind

All Aviva Property & Casualty insurance policies include:

Comprehensive base protection

Available for almost any type of business, you can protect your company with coverage including Property, General Liability, Inland Marine, Equipment Breakdown and Crime.

Industry specific enhancements

Add industry specific enhancements designed to protect your business from exposures related to your industry.

Coverage for business specific needs

As an added layer of protection, customize your policy to the specific needs of your business, covering all your operations, locations and equipment under one policy.

Single policy convenience

Refer to just one policy for easy access and reference – quickly reference coverage, limits and deductibles.

You can be confident that your coverage is adaptable and will continue to offer your business the protection it needs. Your business doesn’t stand still – and neither should your insurance.

Choose the right coverage

Commercial Property and Casualty Insurance coverages available from Aviva include:

Property Insurance

Coverage includes building(s), stock and equipment located on your premises as well as utilities above and below ground on the premises, signs, exterior building glass.

Additional extensions of coverage include:

  • Building Upgrades – Build Back Better
  • Environmental Upgrades – Build Back Better
  • Landscaping and growing plants shrubs or flowers
  • Business Contents Away From Premises and while at employee residences
  • Valuable Papers and Records
  • Accounts Receivable
  • and more

Casualty Insurance

All businesses should protect themselves from the unexpected, including:

  • Bodily or Mental Injury
  • Property Damage Liability
  • Personal and Advertising Injury Liability
  • Tenant's Property Damage Liability also known as Tenants’ Legal Liability
  • Voluntary Medical Payments
  • Non-Owned Auto
  • Legal Liability for damage to rented automobiles

Equipment Breakdown Insurance

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 Insurance

The product provides a broad range of crime 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

Available with an Aviva Enterprise policy, this extra layer of liability coverage designed to go above and beyond other liability policies, providing higher liability limits in the event of a catastrophic loss. 

Excess Liability

Available over our own liability products or as a separate monoline product over another carrier’s primary or umbrella coverages. 

This extra layer of liability coverage is designed to provide higher liability limits in the event of a catastrophic loss. 

Complimentary Legal Helpline Service

Available as a complimentary service2 on many Aviva commercial property & casualty policies, you can receive free general legal information by telephone from a lawyer.

If you have a Canadian-business related legal problem and require information about your rights and options, the Aviva Legal Helpline Service is here for you 24 hours a day, 7 days a week. You’ll get an unlimited number of calls and unlimited call duration during your policy term. Use of the service does not count as a claim and is confidential. 

Insurance solutions for your business

With Aviva’s Property & Casualty business insurance your company can benefit from:

Protection of physical assets

We offer comprehensive coverage for your physical assets, including buildings, stock, equipment and computers, including equipment temporarily away from your premises1

Access to our wide network of claims professionals

In the event of a claim, we’ll help you get back on track with efficient and hassle-free service

Risk management support – Protect your business

We have experts who will work with you to manage the risks associated with your business, no matter the industry

Frequently asked questions

We answer your questions on business insurance.

  • Why do I need commercial insurance for my business?

  • What is Commercial General Liability (CGL) insurance? Why do I need it for my business?

  • What happens if I don’t have the right coverage in place for my business?

  • What additional coverage should I consider when purchasing insurance for my business?

  • What is Aviva Enterprise?

  • How can I purchase an Aviva Enterprise insurance policy?

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

2 The Aviva Legal Helpline service is provided by ARAG Legal Solutions Inc. (ARAG) via Assistenza International on behalf of Aviva Insurance Company of Canada. Not all policy types are eligible for the service. Certain policy exclusions apply. Legal information provided through the Aviva Legal Helpline service is Summary Legal Information. Refer to the “Legal Helpline Services Terms and Conditions” page included with your policy for complete details, including excluded services, terms, limitations and conditions.