Get a free quote for affordable, customized business insurance catered to you. Pay for only what you need.

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

Your business insurance policy can be amended whenever necessary as your needs and situation change.

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

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Learn More About What Areas We Cover

General Liability Insurance

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

Learn more about liability insurance.

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Commercial Property Insurance

If you use any property for business purposes, you need commercial property insurance. It will protect you from loss or damage caused by risks like fire, theft, vandalism or natural disasters.

Learn more about commercial property insurance.

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Commercial Auto Insurance

Commercial auto insurance covers damage and liability amounts that a regular personal auto insurance policy does not cover.

Learn more about commercial auto insurance.

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Business Interruption Insurance

Business interruption insurance can cover earnings and expenses for a business that is forced to close temporarily because of an insurable peril.

Learn more about business interruption insurance.

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Product Liability Insurance

If you’re involved in either the creation or selling of products (or both), you need product liability insurance to help protect you from claims of physical injuries or property damage caused by a potential defect of a product.

This includes software and other business to business products in addition to retail products.

Learn more about product liability insurance.

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Contractor Insurance

We offer contractor insurance to a wide range of professionals including landscapers, electricians, drywallers, carpenters, flooring installers, painters, plasterers and bricklayers.

We can also offer contractor insurance to other industries such as general contractors, renovators and HVAC specialists.

How We Protect Contractors.

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Restaurant Insurance

We will protect your restaurant from liability and equipment breakdown. Running your restaurant is not easy, sleep better at night knowing it’s fully protected.

How We Protect Restaurants.

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Bed and Breakfast Insurance

We offer customized B&B insurance policies that ensure you’re protected for everything you need and nothing you don’t.

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Cleaning Business Insurance

All types of cleaning businesses (residential, pressure washers, window cleaners, carpet and duct cleaning etc.,) can get covered for all types of risks associated with the cleaning industry (liability, pollution, equipment, commercial auto etc.,)

Learn more about cleaning business insurance.

Cleaning Business Safety

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Stock and Equipment Insurance

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.

Get a quote for contractors insurance.

Get a quote for restaurant insurance.

Home Business Insurance

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.

Learn more about home based business insurance.

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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.

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Finding the Right Insurance Solution for You



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

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Frequently Asked Questions

Jennifer Belu

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. An agent of Erie Mutual 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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