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We cater to you. We go over the nooks and crannies of your business to create a customized policy to fit your specific needs and budget.

We provide a range of business insurance options, including liability insurance, for all types of small businesses including restaurants, contractors, realtors, offices, bed & breakfast, Churches, home based businesses and many more.

Your business insurance policy can be amended whenever necessary as your needs and situation evolves over time.

We understand that each business is different and want your business insurance policy to be uniquely you so please get a quote today.

Contact our team to Get Started

Learn More About What Areas We Cover

Loss of Income Coverage

There are various types of business income coverage available and those provided are based upon your needs. Rental Income, Extra Expense, Gross Earnings, Profits Form, Contingent Business Income, and Actual Loss Sustained coverage are examples of some. If you’ve suffered a loss, we want to make sure you don’t also lose out on lost income.

Stock and Equipment

Protecting your property is the intent of Equipment and Stock coverage. Equipment is usually coverage under Replacement Cost form while stock is covered under Actual Cash Value. We’ll discuss with you to ensure proper limits are determined and in place properly.

Installation Floaters

Installation Floaters are normally required by Contractors and intended to provide protection to the items (stock) that is to be installed at your customer’s premises. Miscellaneous Floaters are intended to cover property that is away from any of the insured’s business locations that are listed on their policy. Whichever you need, we’ll have you covered.

Home Based Business

If the primary location of your business operation is out of your own home and primarily consists of business and professional services, we’ve provide the right insurance policy for you. There are various types of home based businesses, your insurance coverage is equally important as any large company.

Commercial General Liability

It not only provides you with protection against third party claims for bodily injury or property damage, but also includes defence costs under your policy. We represent your interests in court as part of your insurance contract with Erie Mutual.

Finding the Right Insurance Solution for You

Recommended
Coverage

Includes

Full commercial insurance protection should include your building, stock & equipment, necessary floaters involved in operations, coverage for loss of income and complete liability protection.

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Basic
Coverage

Includes

If you don’t require full commercial coverage, make sure you have your building, stock & equipment and proper liability protection in place.

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Minimum
Coverage

Includes

Make sure your building is fully insured, combined with a liability protection limit that is adequate.

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Comparison

CGL (Liability)
Building
Stock/Equipment
Installation Floater
Loss of Income

Frequently Asked Questions

Aaron Bazinet

Account Executive

Is Rental Income coverage intended to protect the landlord or the tenant?

If you are in the real estate business, and regardless of whether you own many properties, or one single building, rental income is a must. It’s a business income coverage specific to providing you with the coverage you’ll need for lost rents. Regardless of any mortgage in place, you’ll be at a loss if a claim forces closure of a property for repairs or renovations.

You need to ask yourself in either situation, can I afford to not have that revenue coming in? How will I cover the mortgage, or if you do not have one, how will I cover whatever other commitments I have for which those rents contribute toward? If your property is a residential risk, and your tenant is forced to move out and find a new place to live because the repairs of your property will take longer than they can wait, your rental income will protect you and usually pay up to 12 months worth of lost rent. Some insurers will offer options to purchase up to as much as 24 or 36 months worth of rental income coverage.

The same Rental income coverage as the residential building occupancy would apply if you instead owned a commercial building with commercial tenants that had to permanently or temporarily re-locate due to damage by a covered peril (the cause) for which you suffer a loss. Keep in mind, the opposite can also occur to protect the tenant(s). In some instances, landlords require their tenant(s) within their lease agreement to cover the Rental Income on their insurance policy and name the landlord as the loss payee with respect to those rents, should a loss occur.

Ultimately, this coverage is designed to protect those parties with a vested interest and is something that should not be overlooked. We understand that coverage such as rental income can be complicated, but we’ll assess your insurance needs properly so that you’re fully covered.

I only work out of my home, does every business really need insurance?

Don’t be fooled by the size of your business, or that it’s only home based rather than in a large building in a city core. We recommend that every business carry adequate insurance coverage and limits regardless of the size of your business. Keep in mind that your residential home insurance policy is not intended to cover a business and does not include the liability or additional coverage required. A proper commercial insurance application should discussed and completed with one of our professional advisors. We realize you don’t want or need an expensive policy, but we can focus on what your small business does need. If your business grows and you expand outside of your home, we’ll adjust your business insurance policy accordingly. We have a solution for every small business.

What if my business shuts down due to a fire or other major loss, does my insurance policy cover my lost income?

We hope you’re business never has to shut down, but in most cases it’s only temporary and we can provide the proper coverage to ensure you can sustain this downtime. Ask one of our insurance advisors about business interruption coverage, it will protect you financially when you’ve lost sales or production. We’ll have you back in business as soon as possible, but in the meantime we can ensure you have the means you need to keep moving forward.

Everything is electronic these days, what about computer security for my business?

Where would be without technology? It’s true that we’ve become very dependent on our computers to basically run some portion of the business. We understand the concerns everyone has these days about electronic security, so we recommend adding Cyberone coverage to all commercial insurance policies, it includes both computer attack and network security liability. We can ensure data is restored or re-created as needed, along with restoration of your system. You may have some lost business income or extra expenses that result, but don’t worry we’ve got that covered. Defense and settlement costs are also included in this coverage as liability protection. This is a must have for every business that relies on a computer for daily activity, and that’s most everyone.

Member Testimonials

  • "Like many others, I was complacent for years. Same insurance company year after year and never questioned making a change. Gary dropped off a business card and offered to help with our insurance with no high-pressure sale. When I was ready to connect he was at my business within 3 hours to sit with us and discuss our coverage. Erie Mutual offered the same coverage, even tweaked it a bit to our benefit with a 10% savings from what we were paying elsewhere. We appreciate the value of working with a local insurer. Bottom line is it's about the service, savings are great but service is the biggest!"

    John McIntyre
    Blastall Equipment & Supply, Erie Mutual Member (Dunnville)

  • "We love the way we can always sit down and discuss our coverage thoroughly with our Erie Mutual insurance advisor. He explained both our commercial and auto insurance policies, and was able to answer all of our questions."

    Mark & Carl Schweyer
    Schweyer’s Wood Products, Erie Mutual Member (Fisherville)

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