Home retailer’s insurance

The Canadian Federation of Independent Business (CFIB) and Northbridge Insurance have partnered up to help small business owners with the protection they need. Northbridge Insurance is proud to offer CFIB members insurance packages with a range of services, from protection for your property to legal support to liability protection.

Get a quote

Home retail business owners, we’ve got you covered

Whether you run a furniture store, own an electronics store, deal in building materials and supplies, or are involved in any other type of home retail business, you’ll face a range of risks while on the job. That’s why our home retailer insurance policies were created with a variety of relevant risks in mind. With your policy in hand, you can sit back and relax knowing your business is protected.

Your policy in action

Why do you need retail insurance?
Every small business owner faces a series of risks during their entrepreneurial journey, and home retailers are no different. Despite your best efforts to ensure nothing goes wrong, sometimes the unexpected happens and you can find yourself facing a disaster. But no matter what happens, the right retail insurance package can ensure your bottom line doesn’t suffer.

Say you run a furniture store, and while delivering a couch to a customer, you’re involved in an accident. Your personal auto insurance may not cover you. That’s where commercial auto insurance comes in: it ensures you have the right coverage for your company vehicles, whether that’s one or a whole fleet.

Many business owners fail to consider that, even if the repairs and replacement costs are covered, you could lose money if you must temporarily close your business after a loss. That’s why business interruption insurance can be so helpful. It’s designed to help you collect the income you would have expected to generate were it not for the disruptive event.
More protection where you need it
We believe insurance policies should be unique, just like your business! That’s why we customize our policies to suit a business’ risks, assets, team, and projects. So, whether you need additional crime coverage to help protect your business or you need cyber coverage to assist with the costs of e-commerce threats and data recovery, there are a variety of retail-specific coverages to help protect your business. If you have any questions, your broker would be happy to walk you through all your options.
What you get out of our partnership
As the exclusive commercial insurance partner of CFIB, we’re happy to not only offer members our standard policy features, but some additional benefits on top of that.

After simply requesting a quote, you’ll receive a year of complimentary Legal Assist* service – no strings attached. This service provides unlimited telephone access to legal counsel for any legal questions you may have about your business operations, from general liability concerns to contract disputes.

*Services are not provided for criminal, personal or insurance issues, do not provide representation in legal proceedings or legal fees coverage, and are not an insurance policy. Services are provided by Assistenza International, through lawyers licensed in your jurisdiction. Contact us for details. Northbridge Insurance and the Northbridge Insurance logo are trademarks of Northbridge Financial Corporation, licensed by Northbridge General Insurance Corporation (insurer of Northbridge Insurance policies).
Cyber and Legal Expense coverage
Small businesses aren’t exempt from cybercrime, but many insurance policies underestimate the digital risk. We provide Cyber Risk coverage to help cover costs related to malware infections, cyberattacks, and even rogue employees who make off with your sensitive business data.

As businesses rely more on digital tools, more information is vulnerable to cyber criminals. If an employee were to forward sensitive personal information to a phony email address, your employees and your clients could be subject to identity theft. In other cases, financial information may be exploited.

Legal Expense coverage is another great feature in your policy. We’ve partnered with DAS Canada to provide legal counsel and support in a variety of situations, like when a liability claim is brought against your business or a federal audit leaves you with a sizeable penalty. CFIB members are given twice the Legal Expense limit that comes with a typical Northbridge business insurance policy.

Request a quote

Ready to get more value from your CFIB membership? Get started on an insurance quote for your business by filling out the form below.

As a thank-you, we’ll extend our Legal Assist service to you free of charge. For the duration of one year after you submit your quote request, you’ll have unlimited telephone access to general legal advice to discuss any legal matters related to your business.

You will be connected to one of our broker partners acting as a representative of Northbridge Insurance.

Home retailer’s insurance

Home retail business owners, we’ve got you covered

Your policy in action

Request a quote

Ready to get more value from your CFIB membership? Get started on an insurance quote for your business by filling out the form below.

We’re proud to partner with the Canadian Federation of Independent Business!