Commercial
Insurance

You work hard for your small business, which is why we work hard for you with products and services designed to specifically meet your needs.

Commercial Insurance

You work hard for your small business, which is why we work hard for you with products and services designed to specifically meet your needs.

Request a Quote

With a professional agent by your side,
It's as easy as 1, 2, 3.

Step 1

Select the Right Policy

Finding the right commercial insurance is a time consuming, yet critical, aspect of running your business. Your professional agent can quickly identify your specific needs and find you the right product at highly competitive rates. We have many innovative products specifically tailored for your type of business, or can develop a custom solution to suit your needs.

Retail

In the retail business, dealing with the public means you are exposed to many risks every day. With retail insurance in place, you can have peace of mind knowing your business is protected from theft, legal action, interrupted operations or other unexpected events.

Your Retail Policy covers:

  • Your building or rented space
  • Your contents
  • Crime Coverage
  • Commercial Liability
  • Business Interruption Loss of Income
  • Bailee’s Coverage for Customers’ Goods

Your professional agent is right there with you every step of the way to save you time and give you peace of mind.

Call today for a no-obligation quote.

Office

Whether you design, plan, consult, or provide professional advice, we offer insurance for small businesses like yours.

Your Office Policy covers:

  • Your building or rented space
  • Your contents in your building
  • Crime Coverage
  • Commercial Liability
  • Business Interruption Loss of Income
  • Bailee’s Coverage for Customers’ Goods

Your professional agent is right there with you every step of the way to save you time and give you peace of mind.

Call today for a no-obligation quote.

Contractor

If you build, install, or repair, we have a product tailored for contractors like you and versatile enough to protect against property exposures, loss of income, crime and liability.

Your Contractor Policy covers:

  • Your building or rented space
  • Your contents
  • Installation Coverage
  • Contractor Tools & Equipment
  • Crime Coverage
  • Commercial Liability
  • Business Interruption Loss of Income

Your professional agent is right there with you every step of the way to save you time and give you professional advice.

Call today for a no-obligation quote.

Home-Based Business

Many businesses started in the back room of an apartment, house, or garage. Commercial insurance isn’t only for big businesses, because however big or small your home business is, your home insurance policy won’t cover business-related claims.

Your Home-Based Business Policy covers:

  • Your building or rented space
  • Your business contents
  • Crime Coverage
  • Commercial Liability
  • Business Interruption Loss of Income

Your professional agent is right there with you every step of the way to save you time and give you professional advice.

Call today for a no-obligation quote.

Winery

The perfect pairing for all your needs. We offer all the basics with a hint of exceptional.

Our winery package has been created specifically to meet the needs and exposures of small estate or limited partnership wineries. Our customizable winery package offers protection for your property, equipment and stock.

Your Winery Policy covers:

  • Your building or rented space
  • Your contents
  • Crime Coverage
  • Commercial Liability
  • Business Interruption Loss of Income

Your professional agent is right there with you every step of the way to save you time and give you peace of mind.

Call today for a no-obligation quote.

Bed & Breakfast

Is it your business or is it your home? It’s both! The B&B protection package combines important protection for you and your guests.

Your Bed & Breakfast Policy covers:

  • Your building or rented space
  • Your contents
  • Crime Coverage
  • Specific coverage options for theft or vandalism by guests
  • Innkeepers Liability
  • Business Interruption Loss of Income

Your professional agent is right there with you every step of the way to save you time and give you professional advice.

Call today for a no-obligation quote.

Church

We understand the important role churches play and are proud to offer insurance products that address your unique needs. Your insurance professional can help you to decide which policy fits best for your church, and can tailor a policy to your specific requirements.

Your Church Policy covers:

  • Your building or rented space
  • Your contents
  • Property of clergy and others while on premise, including religious articles and equipment
  • Loss of Income
  • Crime Coverage
  • Public Legal Liability
  • Limited professional Liability
  • Limited protection for church entity against allegations of abuse
  • Directors’ and officers’ liability coverage

Your professional agent is right there with you every step of the way to save you time and give you professional advice.

Call today for a no-obligation quote.

Step 2

Choose the Right Coverage

The right insurance coverage will secure your business and your financial future by protecting you from lawsuits and / or devastating loss. Your professional agent will be happy to tailor your commercial policy to cover your unique business needs so that you can get on with managing your successful business.

Building or Rented Space

Provides coverage options that protect your property from which you run your business.

Office Contents

Provides coverage options for your company assets located inside your place of business, whether you rent, own your own building, or operate from a home office. The types of property or contents usually protected against damage, theft or loss include: Office furniture, Computers, Inventory and stock on hand, Machinery, Equipment.

Crime

Provides coverage options to the several ways that your business is exposed to crime. Whether it be crime within the organization or without, crime insurance provides coverage for events not covered by property or liability insurance.

Loss of Income

Provides coverage options that compensates you for your lost income while your business is closed due to an insured loss.

Commercial General Liability

Provides coverage options for protection against: accidents involving visitors or customers at your location; property damage to third parties caused by your product; injuries or property damage at a customer’s location.

Installation Floater

Provides coverage options for materials on site (installed or in process) during the contract period. Also, provides coverage options for material in transit to the worksite.

Tools & Equipment Floater

Provides coverage options for hand tools and new acquisitions up to $10,000. Additional options are available to provide coverage for short-term (30 day) rentals.

Equipment Breakdown

Provides coverage options for accidental breakdown of the equipment that your business relies on for day to day operations.

Bailee Insurance

Provides coverage options to protect you in the case of loss or damage to your customers’ goods while in your possession for storage, repair, or servicing. It includes coverage for customer property in transit to and from your premises.

Business Interruption

Provides coverage options that protects you from financial losses in the event that your business is closed due to losses caused by perils such as property damage or theft. This important coverage compliments your property insurance, allowing you to meet your financial obligations during the time your business is closed for recovery.

Step 3

Get the Right Discounts

Let us help you find the coverages that best meet your businesses needs and… save some money while doing it. Based on specific circumstances, you could be eligible to save more.

Claims Free

Your Claims Free Discount rewards you for no claims in the past three years.

Monitored Alarm

Your Monitored Alarm Discount rewards you for the installation of a professionally monitored alarm system.

Step 1

Select Your
Product

Home Based Business

Contractor

Church

Apartment Owner

Residential Rental

Winery

Retail Store

Office

Bed & Breakfast

Step 2

Choose Your
Coverage

Crime

Equipment Breakdown

Business Interruption

Office Contents

Materials & Tools

Commercial General Liability

Step 3

Get Your
Discounts

Multi-Policy

Our Products

Finding the right commercial insurance is a time consuming, yet critical, aspect of running your business. Your professional agent can quickly identify your specific needs and find you the right product at highly competitive rates. We have many innovative products specifically tailored for your type of business, or can develop a custom solution to suit your needs.

Retail

In the retail business, dealing with the public means you are exposed to many risks every day. With retail insurance in place, you can have peace of mind knowing your business is protected from theft, legal action, interrupted operations or other unexpected events.

Your Retail Policy covers:

  • Your building or rented space
  • Your contents
  • Crime Coverage
  • Commercial Liability
  • Business Interruption Loss of Income
  • Bailee’s Coverage for Customers’ Goods

Your professional agent is right there with you every step of the way to save you time and give you peace of mind.

Call today for a no-obligation quote.

Office

Whether you design, plan, consult, or provide professional advice, we offer insurance for small businesses like yours.

Your Office Policy covers:

  • Your building or rented space
  • Your contents in your building
  • Crime Coverage
  • Commercial Liability
  • Business Interruption Loss of Income
  • Bailee’s Coverage for Customers’ Goods

Your professional agent is right there with you every step of the way to save you time and give you peace of mind.

Call today for a no-obligation quote.

Contractor

If you build, install, or repair, we have a product tailored for contractors like you and versatile enough to protect against property exposures, loss of income, crime and liability.

Your Contractor Policy covers:

  • Your building or rented space
  • Your contents
  • Installation Coverage
  • Contractor Tools & Equipment
  • Crime Coverage
  • Commercial Liability
  • Business Interruption Loss of Income

Your professional agent is right there with you every step of the way to save you time and give you professional advice.

Call today for a no-obligation quote.

Home-Based Business

Many businesses started in the back room of an apartment, house, or garage. Commercial insurance isn’t only for big businesses, because however big or small your home business is, your home insurance policy won’t cover business-related claims.

Your Home-Based Business Policy covers:

  • Your building or rented space
  • Your business contents
  • Crime Coverage
  • Commercial Liability
  • Business Interruption Loss of Income

Your professional agent is right there with you every step of the way to save you time and give you professional advice.

Call today for a no-obligation quote.

Winery

The perfect pairing for all your needs. We offer all the basics with a hint of exceptional.

Our winery package has been created specifically to meet the needs and exposures of small estate or limited partnership wineries. Our customizable winery package offers protection for your property, equipment and stock.

Your Winery Policy covers:

  • Your building or rented space
  • Your contents
  • Crime Coverage
  • Commercial Liability
  • Business Interruption Loss of Income

Your professional agent is right there with you every step of the way to save you time and give you peace of mind.

Call today for a no-obligation quote.

Bed & Breakfast

Is it your business or is it your home? It’s both! The B&B protection package combines important protection for you and your guests.

Your Bed & Breakfast Policy covers:

  • Your building or rented space
  • Your contents
  • Crime Coverage
  • Specific coverage options for theft or vandalism by guests
  • Innkeepers Liability
  • Business Interruption Loss of Income

Your professional agent is right there with you every step of the way to save you time and give you professional advice.

Call today for a no-obligation quote.

Church

We understand the important role churches play and are proud to offer insurance products that address your unique needs. Your insurance professional can help you to decide which policy fits best for your church, and can tailor a policy to your specific requirements.

Your Church Policy covers:

  • Your building or rented space
  • Your contents
  • Property of clergy and others while on premise, including religious articles and equipment
  • Loss of Income
  • Crime Coverage
  • Public Legal Liability
  • Limited professional Liability
  • Limited protection for church entity against allegations of abuse
  • Directors’ and officers’ liability coverage

Your professional agent is right there with you every step of the way to save you time and give you professional advice.

Call today for a no-obligation quote.

Our Coverages

The right insurance coverage will secure your business and your financial future by protecting you from lawsuits and / or devastating loss. Your professional agent will be happy to tailor your commercial policy to cover your unique business needs so that you can get on with managing your successful business.

Building or Rented Space

Provides coverage options that protect your property from which you run your business.

Office Contents

Provides coverage options for your company assets located inside your place of business, whether you rent, own your own building, or operate from a home office. The types of property or contents usually protected against damage, theft or loss include: Office furniture, Computers, Inventory and stock on hand, Machinery, Equipment.

Crime

Provides coverage options to the several ways that your business is exposed to crime. Whether it be crime within the organization or without, crime insurance provides coverage for events not covered by property or liability insurance.

Loss of Income

Provides coverage options that compensates you for your lost income while your business is closed due to an insured loss.

Commercial General Liability

Provides coverage options for protection against: accidents involving visitors or customers at your location; property damage to third parties caused by your product; injuries or property damage at a customer’s location.

Installation Floater

Provides coverage options for materials on site (installed or in process) during the contract period. Also, provides coverage options for material in transit to the worksite.

Tools & Equipment Floater

Provides coverage options for hand tools and new acquisitions up to $10,000. Additional options are available to provide coverage for short-term (30 day) rentals.

Equipment Breakdown

Provides coverage options for accidental breakdown of the equipment that your business relies on for day to day operations.

Bailee Insurance

Provides coverage options to protect you in the case of loss or damage to your customers’ goods while in your possession for storage, repair, or servicing. It includes coverage for customer property in transit to and from your premises.

Business Interruption

Provides coverage options that protects you from financial losses in the event that your business is closed due to losses caused by perils such as property damage or theft. This important coverage compliments your property insurance, allowing you to meet your financial obligations during the time your business is closed for recovery.

Our Discounts

Let us help you find the coverages that best meet your businesses needs and… save some money while doing it. Based on specific circumstances, you could be eligible to save more.

Claims Free

Your Claims Free Discount rewards you for no claims in the past three years.

Monitored Alarm

Your Monitored Alarm Discount rewards you for the installation of a professionally monitored alarm system.

Discover the Cayuga Mutual difference today.

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Address & Business Hours

23 King Street West
Cayuga, ON N0A 1E0
Monday to Friday
8:30 AM to 4:30 PM
Excluding Statutory Holidays

Telephone Numbers

Local: (905) 772-5498
Toll Free: (800) 567-3381
Fax: (905) 772-3921

Claims (During Business Hours)
Local: (905) 772-5498
Toll Free: (800) 567-3381

Claims (Outside of Business Hours)
Toll Free: (866) 410-1226