Food and beverage retailer’s insurance

The Canadian Federation of Independent Business (CFIB) and Northbridge Insurance have partnered up to ensure small business owners have the protection they need. Northbridge Insurance offers carefully crafted insurance packages to meet the needs of CFIB members, with a range of services from liability protection to legal support.

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Food and beverage retail business owners, we’ve got you covered

As a business owner, you may face a range of risks while on the job. Whether you’re a grocery store owner, a vending machine operator, a beer or liquor store owner, or another industry professional, we’ve created our retail insurance policies with a variety of relevant risks in mind. That way, you can rest easy at night knowing your bottom line is protected.

Your policy in action

Why do you need retail insurance?
As a food and beverage retailer, you have a lot on the go; the last thing you want to be worried about is whether your bottom line is protected. That’s why specific insurance for your business is so important: in certain situations, general property and liability coverage won’t be sufficient. For example, if your business is the victim of a cyber-attack, your general coverage may not be helpful but cyber risk coverage can assist with an incident response plan, privacy breach services, and crisis management.

If you experience a loss, the financial toll can be extensive, but your coverage can help protect you. Say your business suffers from extensive vandalism, and the damages force you to close your doors for some time to perform repairs. While your property coverage will help with your equipment and building replacement costs, it won’t assist with your recurring bills or payroll. 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 know that your business is unique, so your insurance policy should be, too. With that in mind, we’ll customize a policy to suit your risks, assets, team, and projects. A range of industry-specific coverages can help protect your business, whether you need comprehensive equipment breakdown coverage to protect you against food spoilage and loss of revenue resulting from breakdowns of equipment like air conditioning systems and refrigeration systems, or you need additional crime coverage to safeguard against theft. No matter your specific needs, 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.

Food and beverage retailer’s insurance

Food and beverage 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!