Commercial Insurance in Ontario
There’s a lot of things to think about when you’re running your own business, but wondering if you have the right insurance coverage shouldn't be one of them. North Blenheim has the resources and in-depth commercial sector expertise to understand your unique business needs and provide thoughtful, comprehensive coverage. With options to cover professional and commercial liability, commercial auto insurance, property, theft, fluctuations in inventory, and loss of income, we have a broad offering of products.
Products
Retail Business Insurance
North Blenheim Mutual understands the day-to-day risk of operating a retail business. Inventory damage or loss, theft, and public liability can derail your business's path to growth. With broadform (insurance coverage that extends beyond the basics) and standard insurance options, we have the coverage that will protect your business's bottom line.
Other features include:
• Market value for stock on shelves includes 25% increase during peak season
• Replaces business income lost as a result of insured damage to property
• New options, like Flood, and “Cyber One” coverage
Church Insurance
The heart of your church is your congregation. Protecting and promoting the growth of that community means ensuring the wellbeing of members and guests as well as the church building itself. With broadform (insurance coverage that extends beyond the basics) and standard insurance options, we offer comprehensive coverage for instances such as the protection of property of the clergy and others while on site, coverage for congregational activities, such as fundraisers and social gatherings, as well as slip and fall liability protection.
• Protection of religious articles and equipment
• Optional directors and officers liability coverage
• Optional protection for church entity against allegations of abuse
Rental Property Insurance
Rental properties as an investment vehicle have a proven track record and are among the most well-known. However, the liability your investment poses is less understood and needs to be addressed by an experienced insurer who understands the potential pitfalls. With broadform (insurance coverage that extends beyond the basics) and standard insurance options, we have the expertise to take a short and long-term view on your investment.
Our coverage includes:
• Increased re-construction costs due to bylaws
• Replacement of business income lost as a result of insured damage to property
• Replaces business income lost as a result of insured damage to property
• Slip and fall liability protection
• Protection of stolen contents
Contractors Insurance
Risk management for contractors and subcontractors needs the expertise of insurers who understand the construction business. With broadform (insurance coverage that extends beyond the basics) and standard insurance options to cover scenarios such as flooding, sewer or sump septic tank back-up, damaged materials, damaged or stolen tools, and professional liability, we have the experience to keep your projects and business on track.
• Shop premises and job site liability coverage
• Coverage for newly acquired or rental tools
• Optional Cyber One coverage
Home Based Business Insurance
Loss to a home based business is not typically covered under homeowners insurance and requires a commercial policy. Our broadform (insurance coverage that extends beyond the basics) and standard insurance options ensure that you're covered from every angle including loss of income due to insured property damage, stolen contents including cash, and optional sewer, sump septic tank, and drain coverage.
• Optional Flood Coverage
• Optional Cyber One coverage
• Slip and fall liability protection
Office Insurance
Increasing regulations in the workplace means employers need comprehensive risk management coverage to take care of employees, assets, and property. Our broadform (insurance coverage that extends beyond the basics) and standard insurance options ensure your business is covered from all perspectives including damage incurred from sewer or sump backup, stolen contents including cash, and optional Employers Bodily Injury Liability.
• Optional Flood coverage
• Optional Cyber One coverage
• Vandalism and malicious damage by tenants
