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Business insurance

Personalized commercial insurance solutions to protect all you’ve worked so hard to achieve.

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Time and effort. 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 deep 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’s why we offer competitive products, customized solutions, helpful resources and dependable advice to meet your evolving business insurance needs. Simply put, our business is to take care of yours.

Here’s how Co-operators can be a valuable partner in the continued success of your business.

Protection for your property and financial well-being

Choose from our range of customizable commercial business insurance products and services to keep your business operational in the event of the unexpected.

Business property insurance

Enjoy broad coverage that protects your building and contents, including your equipment, stock, furniture and machinery. You can also tailor your coverage with optional endorsements for losses resulting from events like earthquakes, floods, sewer backup and more.

Liability insurance

Know that you have financial protection if your business is found liable for injuries or property damage. Choose General Liability or enhance your protection with additional 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 costly repairs after a sudden or accidental breakdown to your equipment, so you can get up and running as quickly as possible.

Loss of income coverage

Secure your revenue with compensation for lost income if your business operations become temporarily interrupted due to an insured loss.

Cyber Guard Select coverage

Stay safe with protection and support if personal information is lost, stolen or mistakenly shared. Our Cyber Guard Select package enhances the standard cyber coverage included on eligible Cooperators Business insurance policies to include more protection, higher limits and flexible add-ons. Designed to address the unique risks to your business, this holistic package includes coverage for expenses, business interruptions, legal liabilities and more, along with free access to claims support and emergency-response services from CyberScout® (a SontiqTM brand), our dedicated 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 fraud and more – all customizable to suit your needs.

Comprehensive coverage tailored to your specific business needs

Looking for affordable insurance along with financial services, employee benefits and more? We’ve got you covered with packages designed for your business.

Holistic business solutions

Save time and effort in purchasing the insurance products and financial services you need to build your business. We’ll help you assess your situation and provide unique solutions tailored to your business.

Co-op Guard®: Insurance for co-operatives

Co-operatives helping co-operatives just makes sense. This tailored plan includes services designed to build and protect co-ops in one convenient, affordable package.

Community Guard®: Insurance for non-profits

As a non-profit organization, 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 trusted insurance partner, our support extends beyond claims. We provide insights and tools that help you reduce your risk and avoid situations that could lead to property damage and financial loss.

For tips on improving your safety and resiliency, and to enhance your insurance and financial services knowledge, visit our Resource Centre. As a business owner, you may find these articles especially helpful:

The advice you need, close to home

Our knowledgeable and professional network of community-based Financial Advisors are here for you, whenever you need them. They’ve built their expertise by partnering with and protecting businesses across a variety 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 financial representative provide personalized advice and solutions, so you can focus on what matters most: running a successful business. Talk to your local financial representative today to get started or learn more.

Free legal assistance helpline

Did you know, if you are a Co-operators Commercial, Home and Farm client, you can call 1-855-953-1431 from 8AM-12AM to speak to a lawyer on almost any topic related to Canadian law.

Get free legal advice

*Coverage is provided on a claims made and reported basis, i.e. claims must be made against the insured and reported during the policy period for coverage to apply. Commercial insurance 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 C0-operators Group Limited. CyberScout® is a registered trademark 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, use, retain and disclose in the course of conducting our business. Please visit for more information. © 2022 Co-operators General Insurance Company

Not sure where to start?
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For personalized solutions to fit your needs and budget, connect with a
Co-operators financial representative near you.