Commercial

Your Business – We Can Help Protect It

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. Edge Mutual knows what it’s like to run a business in a small community. After all, we’ve been part of the business landscape in rural Ontario for over 125 years. 

Business Insurance Program

In addition to protecting physical assets of your business, we can also provide protection against the potential loss of income.  Talk to your insurance broker about insuring for: 

  • Buildings
  • Office contents
  • Materials, tools and equipment
  • Loss of stock or cash
  • Crime coverage  on contents and cash
  • Income Replacement
  • Allegations of liability arising out of your business premises, products, or operations

Retail Store

You work hard to make your retail store a profitable business.  When accidents happen, you want the peace of mind that comes from knowing your insurance company will respond swiftly and professionally to get you up and running again.  As rural insurance experts and a company based in a small town ourselves, we get that.

BUILDING COVERAGE

  • Replacement cost (optional)
  • Increased reconstruction costs due to bylaws
  • Accidental breakage of glass and signs 

EQUIPMENT COVERAGE

  • Replacement Cost (optional)
  • Optional theft coverage
  • Optional mechanical breakdown to computers
  • Optional sewer/sump back-up 

STOCK COVERAGE

  • Optional theft coverage
  • Market value for stock on shelves
  • Damage resulting from change in temperature
  • ‘Peak season’ coverage automatically increases stock limits up to 25% 

LOSS OF INCOME COVERAGE

  • Replaces business income lost as a result of insured damage to property (less expenses which do not continue) 

CRIME COVERAGE

  • Contents including cash
  • Optional coverage for loss resulting from employee dishonesty 

Highlights only. Actual policy wordings govern. Coverage availability subject to underwriting eligibility.

Contractors

Whether your a plumber, electrician, building contractor, roofer, locksmith, or handyman for hire, job sites naturally involve a wide variety of risks.  We can help you.

SHOP BUILDING COVERAGE

  • Replacement cost (optional)
  • 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

INSTALLATION FLOATER

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

TOOL & 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)

 Highlights only. Actual policy wordings govern. Coverage availability subject to underwriting eligibility.

Office

Talk to your broker about customized insurance protection for your office or commercial building.

BUILDING COVERAGE

  • Replacement cost (optional)
  • Increased reconstruction costs due to bylaws
  • Accidental breakage of glass and signs 

EQUIPMENT COVERAGE

  • Replacement Cost (optional)
  • Optional theft coverage
  • Optional mechanical breakdown to computers
  • Optional sewer/sump back-up 

STOCK COVERAGE

  • Optional theft coverage
  • Market value for stock on shelves
  • Damage resulting from change in temperature
  • ‘Peak season’ coverage automatically increases stock limits up to 25% 

LOSS OF INCOME COVERAGE

  • Replaces business income lost as a result of insured damage to property (less expenses which do not continue) 

CRIME COVERAGE

  • Contents including cash
  • Optional coverage for loss resulting from employee dishonesty  

Highlights only. Actual policy wordings govern. Coverage availability subject to underwriting eligibility.

Home Based Business

Technology is rapidly changing the way we do business.  It's allowing more people to establish their office in the comfort of their own home using a host of remote communication solutions.  But even though your business is located in the home, don't forget to talk to your broker about protecting your business and income from accidental loss.

EQUIPMENT COVERAGE

  • Replacement cost (optional)
  • Mechanical breakdown to computers (optional)
  • Electrical surges by power fluctuation

STOCK COVERAGE

  • Theft coverage (optional)
  • Market value for stock in inventory

CRIME COVERAGE

  • Home business contents including cash

LOSS OF INCOME COVERAGE

  • Replaces business income lost as a result of insured damage to property (less expenses which do not continue)

PUBLIC LEGAL LIABILITY

  • Office premises at home (slip and fall) Products coverage (goods you sell) Professional liability (optional)

Highlights only. Actual policy wordings govern. Coverage availability subject to underwriting eligibility.

Church

We've been insuring churches for as long as many of the large, regal looking churches have been around in Ontario.  But adequate coverage involves a lot more than just protecting the church itself.  We've kept pace with the changes in how church families operate their ministries today, so everyone can have the peace of mind that their church and congregation is protected.

BUILDING COVERAGE

  • Replacement cost or depreciated value
  • Accidental breakage of glass and signs

CONTENTS COVERAGE

  • Property of clergy and others while on premises
  • Includes religious articles and equipment
  • Optional sewer/sump backup coverage

LOSS OF INCOME COVERAGE

  • Replaces income lost as a result of insured damage to property (less expenses which did not continue)

PUBLIC LEGAL LIABILITY

  • Premises coverage (slip and fall)
  • Congregational activities
  • Optional professional liability
  • Optional protection for church entity against allegations of abuse
  • Optional directors and officers liability coverage

Highlights only. Actual policy wordings govern. Coverage availability subject to underwriting eligibility.

Bed & Breakfast

Part of the charm of every Bed & Breakfast is that it's unique.  No two are exactly the same and those that stay are usually anticipating (even expecting) a new experience that they can look back on.  But the risks and the potential for unexpected loss are not unique among B&B's.  Our HOME & HEARTH provides extra protection beyond your homeowners insurance to account for the most common losses experienced by B&B owners. 

INSURANCE INFORMATION

Owning a beautiful home and property is one thing, but the moment you decide to welcome guests into your humble space to generate income, new risks need to be considered. That’s why we designed the Hearth & Home B&B package. It combines the best in home insurance protection with additional protection you’ll need for your home-based B&B business.

In addition to comprehensive residential coverage, you will receive tailored coverage including:  

ALL RISK CONTENTS COVERAGE

  • Replacement cost on home & business property
  • Accidental breakage of glass and signs
  • Property of guests to a limit of $5,000

EQUIPMENT COVERAGE

  • Mechanical breakdown for computers and/or refrigeration equipment (optional)
  • Electrical surges by power fluctuation

CRIME COVERAGE

  • Home business contents including cash & securities

LOSS OF INCOME COVERAGE

  • Replaces business income lost as a result of insured damage to property (less expenses which do not continue)

PUBLIC LEGAL LIABILITY

  • Office premises at home (slip and fall)
  • Liquor liability (casual consumption)

 Highlights only. Actual policy wordings govern. Coverage availability subject to underwriting eligibility.

 

 

 

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