Auto retailer’s insurance

To offer small business owners the support they need, the Canadian Federation of Independent Business (CFIB) and Northbridge Insurance have joined forces. To meet the individual needs of each CFIB member, Northbridge Insurance offers carefully crafted insurance packages with a range of services, from protection for your property to legal support.

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Auto retail business owners, we’ve got you covered

As a business owner, you face a range of risks while on the job. So, we’ve created our retail insurance policies with a variety of relevant risks in mind, whether you run an auto dealership, an auto parts and tires store, a gas station, or another type of auto retail business. With the right coverage, you can rest easy knowing your bottom line is protected.

Your policy in action

Why do you need retail insurance?
No matter what line of business you’re in, every small business owner faces a series of risks. Auto retail businesses are no different. That’s why basic coverages like commercial property insurance and liability insurance are so important, but they aren’t always enough – sometimes additional coverages may be necessary.

For example, if you run a car dealership that provides tune-up services or adds and removes winter tires from customers’ cars, you may want errors and omissions (E&O) coverage. A small mistake could lead to a large problem for a customer, especially when dealing with their vehicle, and you could be on the hook for the loss. Errors and omissions coverage can help cover the costs of lawsuits that come from errors or omissions in your work or your products.

Many business owners also fail to consider what will happen to their business following a disaster. Say your business experiences a large fire. Commercial property insurance will help with the repair and replacement costs of your building, but what about all the money you’ll lose because you have to close your business temporarily? Business interruption insurance is designed to help you collect the income you would have expected to generate were it not for the disruptive event, so you can keep up with recurring bills or payroll.
More protection where you need it
Every business is unique, so your insurance policy should be, too. We customize our policies to suit a business’ risks, assets, team, and projects. So, whether you need more comprehensive crime coverage to protect yourself against theft, or you need errors and omissions coverage in case you make a mistake, we can ensure you have the necessary coverages to help protect your retail business. 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.

Auto retailer’s insurance

Auto 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!