POLICIES TAILORED TO YOUR NEEDS 
Whether you’re a solopreneur or working on a larger scale, Cayuga Mutual offers home-based business insurance coverage throughout Norfolk County. A business is a business; even if you run yours out of your house, regular home insurance simply isn’t enough.
The right insurance policy will cover what your home insurance won’t, from your office contents to commercial liability, business interruption and more.
Contact Cayuga Mutual Insurance today to get started with a home-based business insurance plan that fits your unique circumstances. We’re proud to serve business owners throughout Norfolk County including Simcoe, Port Dover, Delhi, Waterford, Courtland, Turkey Point, Port Rowan and beyond.
OUR COVERAGES
Running a business from home requires a range of insurance coverages to ensure every aspect of your commercial activities are protected. We offer the following types of coverage to home-based business owners and entrepreneurs in Simcoe and Norfolk County:
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 complements 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 home business insurance that best meets your needs… and save some money at the same time. Based on specific circumstances, you could be eligible to save even 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 a mutual insurance company, your premiums stay in the community, employing neighbours, supporting the local economy and giving back. Cayuga Mutual Insurance is proud to offer home business owners throughout Norfolk County 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.
