Business insurance

Personalized commercial indemnity solutions to protect all you ’ ve worked so hard to achieve .
Time and attempt. Sweat and tears. You ’ ve put a lot into making your business a success. We know, because we ’ ve been partnering with businesses like yours for more than 75 years.

As a co-operative with cryptic roots across Canada, we put people first and are invested in the success of our communities. We understand that every business faces unique challenges. That ’ second why we offer competitive products, customize solutions, helpful resources and dependable advice to meet your evolving occupation policy needs. Simply put, our business is to take care of yours .
here ’ s how Co-operators can be a valuable partner in the continue success of your business .

Protection for your property and financial well-being

choose from our scope of customizable commercial clientele insurance products and services to keep your business operational in the event of the unexpected .
Business property insurance
Enjoy broad coverage that protects your construct and contents, including your equipment, stock, furniture and machinery. You can besides tailor your coverage with optional endorsements for losses resulting from events like earthquakes, floods, sewer backing and more .
Liability insurance
Know that you have fiscal auspices if your commercial enterprise is found apt for injuries or property damage. Choose General Liability or enhance your protection with extra coverage that offers broader definitions and higher limits – such as coverage for directors and officers, errors and omissions and more .
Equipment Breakdown insurance
Get coverage for dearly-won repairs after a sudden or accidental breakdown to your equipment, so you can get up and running a cursorily as potential .
Loss of income coverage
Secure your tax income with compensation for lost income if your business operations become temporarily interrupted due to an see personnel casualty .
Cyber Guard Select coverage
Stay dependable with auspices and support if personal information is lost, stolen or mistakenly shared. Our Cyber Guard Select box enhances the standard cyber coverage included on eligible Co-operators Business insurance policies to include more auspices, higher limits and flexible add-ons. Designed to address the singular risks to your business, this holistic software includes coverage for expenses, occupation interruptions, legal liabilities and more, along with loose access to claims accompaniment and emergency-response services from CyberScout® ( a SontiqTM sword ), our dedicate risk-management partner .
Crime coverage

Add coverage for crime not covered by your property or liability policies, such as employee dishonesty, loss of money and securities, depositors forgery, credit-card imposter and more – all customizable to suit your needs .

Comprehensive coverage tailored to your specific business needs

Looking for low-cost policy along with fiscal services, employee benefits and more ? We ’ ve got you covered with packages designed for your commercial enterprise .
OnePlace for Business®
spare time and campaign in purchasing the indemnity products and fiscal services you need to build your business. We ’ ll help you assess your position and provide alone solutions tailored to your occupation .
Co-op Guard®: Insurance for co-operatives
Co-operatives helping co-operatives just makes common sense. This sew design includes services designed to build and protect co-ops in one commodious, low-cost box .
Community Guard®: Insurance for non-profits
As a non-profit arrangement, you provide valuable support to your community. Let us support you with advice and solutions that protect your business, at rates that fit your budget .

Risk-management and resiliency resources

As your trust policy spouse, our support extends beyond claims. We provide insights and tools that help you reduce your risk and debar situations that could lead to property damage and fiscal passing .
For tips on improving your base hit and resilience, and to enhance your indemnity and fiscal services cognition, visit our Resource Centre. As a clientele owner, you may find these articles specially helpful :

The advice you need, close to home

Our knowing and professional network of community-based Financial Advisors are here for you, whenever you need them. They ’ ve built their expertness by partnering with and protecting businesses across a assortment of industries and categories, including :

• Contractors
• Personal and business services (such as photographers, architects, repair shops, laundry mats, employment agencies and more)
• Co-operatives
• Non-profits
• Garage businesses

Our fiscal Advisors provide personalized advice and solutions, so you can focus on what matters most : running a successful business. Talk to your local Financial Advisor today to get started or learn more .
*Coverage is provided on a claims made and reported basis, i.e. claims must be made against the insure and reported during the policy period for coverage to apply. commercial indemnity is underwritten by Co-operators General Insurance Company. not all products are available in all provinces. Please refer to your policy for applicable coverage limitations and exclusions. Individual Wealth and Estate Planning, Group Benefits and Group Retirement insurance is underwritten by Co-operators Life Insurance Company. Co-operators® is a registered trademark of The Co-operators Group Limited. CyberScout® is a registered hallmark of SontiqTM. OnePlace for Business®, Co-op Guard® and Community Guard® are registered trademarks of Co-operators General Insurance Company. Co-operators general Insurance Company is committed to protecting the privacy, confidentiality, accuracy and security of the personal information that we collect, practice, retain and disclose in the course of conducting our business. Please visit www.cooperators.ca/privacy for more information. © 2022 Co-operators General Insurance Company.