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

A legal professional having a one-on-one discussion with a client.
A legal professional having a one-on-one discussion with a client.

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.

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Retail Insurance

A female business owner standing over a desk, using her laptop at her clothing store.
A female business owner standing over a desk, using her laptop at her clothing store.

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.

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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.

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

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Professional Liability Insurance

Professional service providers face unique risks that could land them in legal trouble. With our industry expertise and a substantial network of brokers, we can help protect your professional services company with professional liability insurance.

A worker’s foot tangled up in an electrical cord.

Liability Insurance

Business owners face unique risks that could land them in legal trouble. With our industry expertise and a substantial network of top brokers, we can help protect your company with the right liability insurance.

“Sorry we’re closed” sign hung on the front door of a shop.

Business Interruption Insurance

Have you considered what would happen if something caused you to close up shop or suspend production for a while? Are you sure your business could survive the setback? Learn why business interruption insurance is so important to keep your company going.

* 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.

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