Business Insurance

Ontario Mutuals understands the importance of your business to you. Put your mind at peace knowing that we are looking after all your insurance needs.

Business Insurance

You might not have a large company but it's your company. We understand - because we've been protecting agricultural entrepreneurs for generations, and realize the personal risks you take on with a small business.

To find an Ontario Mutual near you for more details, click on 'Locate a Mutual'.

We're in business to make your business successful.
There are thousands of business success stories all across Ontario. From small family owned retail outlets to larger operations in every sector of the economy. The Ontario Mutuals know what it’s like to run a business in a small community. After all, each one of our 46 members has been part of the business landscape in rural Ontario, some for over 150 years.
In small communities, a business is more than a sign or a storefront. It's a familiar face behind the desk. A friend or neighbour at the counter. Or someone you just met at church. When you insure with an Ontario Mutual, you're placing your trust in a neighbour - a company with both business and family roots in the community. Just like you.
Our business insurance program covers a wide range of businesses from retail and offices to apartment owners, churches, hobby farms and contractors. We protect not only the physical assets of your business - we can also provide protection against income loss. Here's just a quick look at our extensive business protection plans:

Broadform shop building coverage

Replacement cost. Increased reconstruction costs due to bylaws. Accidental breakage of glass and signs.

Office contents coverage

Replacement cost. Optional theft coverage. Optional mechanical breakdown to computers.

Broadform installation floater

Materials on site (installed and in process) during period of contract. Materials in transit to site.

Broadform tool and equipment floater

Hand tools on a blanket basis. Automatic 6 day coverage on short term rentals up to $2,500. Automatic 30 day coverage on new acquisitions up to $2,500.

Public legal liability

Premises coverage - your shop and job site. Completed operations coverage - when work completed. Personal injury (libel, slander).