Making sure your building is safe for the night
There are many risks that you may encounter when leaving your business unoccupied overnight. Taking the time to ensure your business is safe before closing
Consumer & Business Services Insurance
Service-based businesses face different risks than businesses built around products. Comprehensive insurance for service providers is key – you’ll need your policy to respond at any stage of your service, and in a variety of situations. Whether you specialize in transportation, consulting, or another type of service, your business rests on your skill and the relationships you build. You’ll want to protect your good name and your client base with the right coverage.
Professional Services Insurance
Sometimes things go wrong – mistakes are made, contracts are challenged, data is lost, or an event interrupts your project. When you work in professional services, these setbacks can turn into serious legal issues that are costly and can hurt your reputation. Key coverages to help your business can be vital in these situations.
Retail Insurance
Whether you sell household goods, clothing, furniture, specialty food, or something else, as a retailer you face a variety of risks daily. Whether inventory is stolen, you’re held liable when someone slips and hurts themselves at your store, or a pipe bursts in the night, key coverages for retailers can help during a time of crisis.
What does insurance for consumer & business services cover?
Working with our reputed brokers, we tailor our insurance to the most prevalent risks in your industry – and to some you may not have considered.
Your policy is built on important basic coverages for consumer and business services, including:
Error & Omissions
Also known as professional liability insurance, this coverage will come to your rescue if your service doesn’t measure up: it helps cover the costs of defending a legal claim brought against your business due to your alleged professional negligence.
We can also include these other helpful coverages
To help protect your consumer and business services company from a wide range of risks and help you rest easy, we offer additional coverages.
What can you expect from your policy?
You have a lot on the go, the last thing you want to worry about is your insurance. That’s why we work hard to ensure you have a smooth experience, and the support you need at every step.
Our underwriting team understands the exposures facing consumer & business services, so we can adapt and expand our offerings as our customers’ needs grow.
We hope you never experience a loss, but if you do, you can count on our dedicated claims team to help get you back to business. We’ll work together with your broker to get the claims process underway as soon as your claim is reported, and we’ll always keep you in the loop. If any questions or concerns should arise, don’t fret – we’re here for you 24 hours a day, 7 days a week.
You can enjoy the perks of your policy well before you experience a loss. Our Risk Services team works hard to help keep your business running safely, smoothly, and consistently with detailed bulletins, workplace risk assessments, and onsite training.
Our Assist Services
On top of our comprehensive core coverage and exceptional customer service, your business insurance policy grants you access to our Assist Services* for extra peace of mind.
Risk Management Assist
Our team of Risk Services specialists is at your service: customers can enjoy unlimited telephone access to experts who can help mitigate risks with advice and guidance on a range of loss prevention topics.
Cyber Assist
We’ve partnered with CyberScout, a leading data risk management service provider, to offer consultation on data and cyber risk management, including proactive measures to protect your business and reactive measures to help you recover from a breach.
Managing Risk
Unparalleled industry expertise, professional guidance, and innovative approaches to managing risk help our Northbridge Risk Services experts stay one step ahead of the crowd. Each year, our team conducts over 5,000 risk assessments and service calls for businesses across Canada. Our onsite assessments are complemented by a selection of in-depth training programs and educational tools to help companies excel in their industries.
Our Risk Services team offers technical publications to help you gain a better understanding of the potential exposures in your industry, and they can provide personal guidance to help fine-tune your daily operations. Find out more about what our experts can do for your business here.
Resources for Consumer & Business Services
Tips to help prepare your business and employees for a fire
Every business should be prepared for a fire — they rarely occur but their effects can be devastating. Being ready involves more than just having fire
A spring maintenance checklist for your business
Canadian winters can take their toll, especially when it comes to your business property and vehicles. Now that spring is upon us, the changing season
* Legal Assist not provided for criminal, personal or insurance issues, do not provide representation in legal proceedings or legal fees coverage, and provided by Assistenza International, through lawyers licensed in your jurisdiction. Risk Management Assist provided by our Risk Services specialists and are intended to augment your internal safety, compliance and risk management practices, and are not a substitute for professional or legal advice. Trauma Assist provided by independent third-party professionals, long-term and specialized counseling not included. Cyber Assist provided by CyberScout services are not included in any cyber extension or endorsements. Services are not an insurance policy, not all policies are eligible, contact us for details.