BUSINESS INSURANCE 
DO YOU OWN A BUSINESS IN HALDIMAND COUNTY?
Finding the best commercial insurance policy is a time consuming, yet critical task for business owners throughout Haldimand County. Cayuga Mutual Insurance offers many innovative business insurance products tailored for different kinds of Canadian businesses.
There are several types of commercial insurance available, some common insurance are small business insurance, self-employed insurance, contractor insurance, home-based business insurance, and more designed according to specific needs.
We’re proud to serve communities throughout Haldimand County including Cayuga, Caledonia, Hagersville, Dunnville, Jarvis and beyond.
SELECT YOUR PRODUCT
WHAT IS RETAIL INSURANCE AND WHY YOU NEED IT?
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.
WHAT DOES RETAIL INSURANCE COVER?
Your Retail Insurance Policy covers:
- Your building or rented space
- Your contents
- Crime Coverage
- Commercial Liability
- Business Interruption Loss of Income
- Bailee’s Coverage for Customers’ Goods
Call today for a no-obligation quote.
WHAT IS WINERY INSURANCE?
Our winery insurance 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.
WHAT DOES WINERY INSURANCE COVER?
Your Winery Insurance Policy covers:
- Your building or rented space
- Your contents
- Crime Coverage
- Commercial Liability
- Business Interruption Loss of Income
Call today for a no-obligation quote.
WHAT IS OFFICE INSURANCE?
Whether you design, plan, consult, or provide professional advice, we offer insurance for small businesses like yours.
WHAT DOES OFFICE INSURANCE COVER?
Your Office Insurance 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
Call today for a no-obligation quote.
WHAT IS BED & BREAKFAST INSURANCE?
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.
WHAT DOES BED & BREAKFAST INSURANCE COVER?
Your Bed & Breakfast Insurance 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
Call today for a no-obligation quote.
WHAT INSURANCE DOES A CONTRACTOR NEED?
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.
WHAT DOES CONTRACTOR INSURANCE COVER?
Your Contractor Insurance Policy covers:
- Your building or rented space
- Your contents
- Installation Coverage
- Contractor Tools & Equipment
- Crime Coverage
- Commercial Liability
- Business Interruption Loss of Income
Call today for a no-obligation quote.
CHURCH INSURANCE
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.
WHAT DOES CHURCH INSURANCE COVER?
Your Church Insurance 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
Call today for a no-obligation quote.
WHAT IS HOME-BASED BUSINESS INSURANCE?
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.
WHAT DOES HOME-BASED BUSINESS INSURANCE COVER?
Your Home-Based Business Insurance Policy covers:
- Your building or rented space
- Your business contents
- Crime Coverage
- Commercial Liability
- Business Interruption Loss of Income
Call today for a no-obligation quote.
OUR COVERAGES
The right commercial insurance coverage will help secure your business and your financial future. Your professional agent will be happy to work with you to tailor your policy to cover your unique needs so that you can focus on managing your successful business.
SELECT YOUR COVERAGE
BUILDING OR RENTED SPACE INSURANCE
Provides coverage options that protect your property from which you run your business.
INSTALLATION FLOATER INSURANCE
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.
OFFICE CONTENTS INSURANCE
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.
TOOLS & EQUIPMENT FLOATER INSURANCE
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.
CRIME INSURANCE
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.
EQUIPMENT BREAKDOWN INSURANCE
Provides coverage options for accidental breakdown of the equipment that your business relies on for day to day operations.
LOSS OF INCOME INSURANCE
Provides coverage options that compensates you for your lost income while your business is closed due to an insured loss.
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.
COMMERCIAL GENERAL LIABILITY INSURANCE
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.
BUSINESS INTERRUPTION INSURANCE
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.
DISCOUNTS
Let us help you find the coverages that best meet your business’ insurance needs… and save some money while doing so. Based on specific circumstances, you could be eligible to save more.
SELECT YOUR DISCOUNT
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.
THE MUTUAL WAY
When you choose to work with a mutual insurance company, your premiums stay in our local community, employing neighbours, supporting the local economy and giving back. Cayuga Mutual Insurance is proud to offer Haldimand County business owners with commercial insurance policies tailored to their unique needs.
Whenever you have a question or a claim, someone you know and trust will be right there to help. It’s not the way every insurance company does business, but it’s the Mutual Way.
FREQUENTLY ASKED QUESTIONS
When the primary office of the business owner is on the same property where he/she is residing, that type of business is a home-based business. The company can be of any size, and the business owner does not have to be the owner of the property.
Course of construction insurance is another name for builder’s risk insurance. This is a type of property insurance that covers the property that is yet to be built or is under construction. The materials to be used in the construction over time may also be covered in the insurance.
The short answer is no, homeowner’s insurance alone is not adequate coverage for a home-based business. Likewise, a commercial insurance plan won’t cover certain problems that could arise related to your personal space and living.