Commercial Insurance Packages

In small communities, a business is more than a sign or a storefront. It’s a familiar face behind the desk. A friend or neighbour at the counter. A busy contractor around town. When you insure with Middlesex Mutual, you’re placing your trust in a neighbour. A company with both business and family roots in the community, just like you.

Doing the right thing for small business in our community.

From retail stores to professional offices, from contractors to churches, we’ve got progressive, affordable coverage to protect your company's physical assets as well as its income.

We offer small business packages that provide enhanced protection, so you can concentrate on what you do best. It’s what you would expect from a friend, a neighbour and an organization that’s part of the fabric of your community.

A call to your Middlesex Mutual agent will help you get the commercial insurance package that is right for your business.

 Community Churches

A church is much more than the building

It is a community space to meet, celebrate and mourn our loved ones. Middlesex Mutual has been offering insurance protection to our community churches for many years. We understand how important they are to the fabric of our small towns.

A Middlesex Mutual agent would be happy to discuss your specific needs.

Our community church package offers the insurance coverage your religious organization needs and much, much more.

Highlights of coverage:

Building and contents

  • Church building and manse
  • Property of clergy and others while on premises including religious articles and equipment

Additional agreements

Extra coverage up to a specified limit for items such as:

  • Building damage by theft
  • Environmental upgrades
  • Personal property of officers, employees, volunteers, visitors and the congregation
  • Special church property

Loss of income coverage

  • Replaces income lost as a result of insured damage to property

Crime coverage

  • Cover for theft, if money is stolen from your business

Data compromise coverage

  • Data security insurance that address several key data security exposures

Public legal liability

Insurance that responds to allegations that the church entity is legally liable for bodily injury or property damage arising from:

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

We also offer  a range of options to cover:

  • Limited professional liability
  • Limited protection for church entity against allegations of abuse
  • Directors and officers liability coverage
 Contractors

We offer a contractor’s package that is right for you. From installations to plumbing, from renovations to electrical services and everything in between. Because we’re part of your community, we understand the area and its special demands. If you have a claim or a question, Middlesex Mutual is right here, backing you up every step of the way.

As a contractor you have unique coverage needs. You need to know what is covered and how to assess your risk. That’s where your Middlesex Mutual agent comes in.

Our contractor’s insurance package offers enhanced coverage suited to your business:

Highlights of coverage:

Shop building (optional)

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

Office contents

  • Replacement cost
  • Optional theft coverage
  • Optional mechanical breakdown to computers

Installation coverage (optional)

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

Contractors' tools & equipment

  • Hand tools on a blanket basis
  • Automatic 30 day coverage on new acquisitions up to $10,000
  • Additional Agreements provide an identified limit for short-term (30 day) rentals

Loss of income coverage

  • Replaces income lost as a result of insured damage to property

Crime coverage

  • Cover for theft, if money is stolen from your business

Data compromise coverage

  • Data security insurance that address several key data security exposures

Additional agreements

Extra coverage up to a specified limit for items such as:

  • Extra expenses
  • Rental equipment such as contractors' equipment
  • Waiver of depreciation clause for contractors' equipment

Public legal liability

  • Premises Coverage - Your shop and job site
  • Completed Operations coverage—when work is completed
  • Personal Injury (Libel, slander)
 Home-based Businesses

Middlesex Mutual Insurance provides enhanced insurance coverage for a variety businesses that you can run out of your home. Liability is the greatest risk for home-based businesses. If you operate a sole proprietorship or small business from your home a separate business insurance policy can provide peace of mind.

Your home policy provides some limited coverage for books, tools and instruments necessary for a business. However, your home policy includes restrictions and exclusions for businesses operating in the home so a home-based business policy is an important consideration.

Please call your Middlesex Mutual agent. They will be happy to answer your questions and help you get the coverage that is right for you.

Highlights of coverage:

  • Business, contents and stock
  • Loss of income
  • Crime
  • Public legal liability
 Office Packages

In order for you to meet the needs of your clients, you depend on having a professional space for clients to see you. That is why Middlesex Mutual offers an insurance package designed specifically for office-based small businesses.

We understand a sudden event could interrupt your ability to keep your business up and running. Our agents are here to help. They invest time in getting to know your business. They will listen to your specific needs and use their years of experience to recommend the right solutions for you.

Coverage highlights

  • Damage to your office premises and contents
  • Business interruption that leads to loss of income
  • Crime
  • Data compromise
  • Premises liability

We also include extra insurance for things like:

  • Extra Expense Coverage
  • Off Premises Stock and Equipment
  • Sales Representative
  • Signs
  • And more

Our Middlesex agent is here for you every step of the way.
 Residential Rental Properties

We recognize the huge responsibility you have to your tenants. When you own a residential rental property, you have unique coverage needs. Whether you own a single building or several small apartment properties your investment is important. We offer insurance protection tailored to you so you have the coverage you need if the unexpected happens.

When you purchase a Middlesex Mutual policy, you are joining us as a member, and members’ business needs are at the heart of what we do.

Coverage highlights

Your Middlesex Mutual agent can discuss details of coverage for:

  • Your building
  • Your contents in the building or units
  • Replacement of rental income that cannot be collected because the building or unit has been damaged by an insured cause of loss
  • Crime coverage
  • Allegations of liability arising out of your business premises
 Retail Businesses

From bakeries to clothing; from farm feed and supplies to music and variety stores. There are thousands of business success stories all across Ontario. Whatever your specialization, your store needs to be protected from the unexpected.

With retail package insurance from Middlesex Mutual, you are never on your own. Your insurance protection will be with a local insurance company that has been part of the business landscape in Southwestern Ontario for over 140 years.

Highlights of coverage:

Your Middlesex Mutual agent can discuss details of coverage for:

  • Your building (optional)
  • Office contents
  • Inventory (stock)
  • Loss of income
  • Crime
  • Data Compromise
  • Allegations of liability arising out of your business premises and operations

Please note:

For illustration purposes only. Actual policy wordings govern. The above is meant as general information to help you understand the different types of coverages. All coverages are subject to the terms, limits, provisions, exclusions, and conditions in the policy itself. Coverage availability is subject to underwriting eligibility and guidelines. We encourage you to speak to your agent or broker and to read your policy contract fully to understand your coverages.