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 premises1 , 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, or as a standalone product, this extra layer of liability coverage is 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:
Frequently asked questions
We answer your questions on business insurance.
Why do I need commercial 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 covers your business if your assets are damaged or destroyed.
What is Commercial General Liability (CGL) insurance? Why do I need it for my business?
Commercial general liability (CGL) insurance is designed to protect your business against lawsuits 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
- Tenant’s legal liability
Every day your company is exposed to different liability hazards associated with your area of business. 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 happens 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.
What additional coverage should I consider when purchasing insurance for my business?
Each business will have different risk exposures to consider. Be sure to speak with your insurance broker who can provide you with consultative advice and customize an insurance policy that is right for your company. Below are a few examples of standard coverages to consider as you review your insurance needs:
- Commercial auto—provides coverage for your commercial vehicles that are used to run your business operations.
- Excess liability—provides additional coverage limits to supplement those under the CGL and commercial auto policies.
- Professional liability—also known as Errors and Omissions (E&O), provides a form of liability coverage designed to protect your professional advice and service organizations.
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 insurance broker and ask about the Aviva Enterprise policy.
Insurance brokers, the right choice for you
Get expert advice for your business insurance needs.
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.