Personalized commercial insurance solutions to protect all you’ve worked so hard to achieve.
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.
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.
Privacy Breach coverage
Stay safe with protection for expenses and business interruptions that occur if personal information is lost, stolen or mistakenly shared. Designed to address emerging cyber risks to businesses of all sizes, this coverage includes free access to claims support, emergency-response services and prevention tips from CyberScout® (a SontiqTM brand), our trusted partner in cyber security and protection. They’ll help keep your business up and running with the counselling you need, as soon as you need it. For immediate support, call CyberScout toll-free at 1‑833‑258‑4394.
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.
OnePlace for Business®
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:
- Personal and business services (such as photographers, architects, repair shops, laundry mats, employment agencies and more)
- Garage businesses
Our Financial 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 insured and reported during the policy period for coverage to apply. Privacy Breach Insurance is underwritten by Co-operators General Insurance Company. 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 Co-operators Group Limited.
CyberScout® is a registered trademark of Sontiq™. 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 www.cooperators.ca/privacy for more information. © 2021 Co-operators General Insurance Company.