Retailers insurance

The Canadian Federation of Independent Business (CFIB) and Northbridge Insurance have partnered up to offer small business owners the support they need. With a range of services from protection for your property to legal support, Northbridge Insurance is here to help protect CFIB members with carefully crafted insurance packages that meet their individual needs.

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Retail business owners, we’ve got you covered

As a business owner, you’ll likely face a range of risks while on the job. That’s why our retail insurance policies are designed with a variety of relevant risks in mind, so you can rest easy knowing your bottom line is protected.

Your policy in action

Why do you need retail insurance?
Every Canadian small business owner faces a series of risks and retail businesses are no different. Sometimes general property and liability coverage won’t help you in specific day-to-day situations. For instance, if you’re in a car accident while transporting merchandise or delivering an order but you only have personal auto insurance, you may not be covered for resulting costs. That’s where commercial auto insurance comes in: it ensures you have the right coverage for all your company vehicles, whether that’s one or a whole fleet.

The results of a loss can be extensive, which is why it’s so important your coverage meets all your unique needs. Say your business suffers from an unexpected event, like a fire. While your property coverage will help with your equipment and building replacement costs, it won’t help you keep up with reoccurring bills or payroll. That’s why you may also want business interruption insurance – this coverage is designed to help you to collect the income you would have expected to generate were it not for the disruptive event.
More protection where you need it
Just as every business is unique, your insurance policy should be too. That’s why we’ll customize a policy to suit your risks, assets, team, and projects. Whether you need additional cyber coverage to assist with the costs of e-commerce threats and data recovery, or you need comprehensive crime coverage to safeguard against theft, there are many industry-specific 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.

Retailers insurance

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!