Simple and flexible business insurance

As a small business owner, you’ve got a lot on your plate. Between managing employees, taking care of customers and coming up with your next great idea, you don’t have time to plan for the unexpected. That’s why you need insurance that’s as simple, comprehensive and flexible as possible.

With Northbridge Insurance, that’s exactly what you get. Backed by over 100 years of experience insuring Canadian businesses like yours, they can help you protect everything that you’ve worked so hard to build.

Through Northbridge, CFIB members have access to comprehensive insurance coverage and exclusive benefits, including complimentary cyber protection, to help keep your business safe, strong and successful. Plus, you receive one year of complimentary telephone legal advice simply for requesting a quote – no strings attached, no obligation to purchase a policy.

Before you even insure with Northbridge:
Request a quote and get one year of complimentary legal helpline service¹ – no strings attached! This provides unlimited telephone access to legal counsel on issues impacting your business, including:

Labour law
Accessibility
Administrative law
Succession planning
Commercial law
Tax law

Employment law
Real estate law
Estate planning
Consumer law
Bankruptcy law

Added peace of mind after you insure:
Cybercrime is on the rise, and small businesses are prime targets. That’s why Northbridge provides CFIB members with cyber risk coverage at no additional cost—a savings of $175 or more. You also get Cyber Assist² access, which provides expert consultation on proactive measures you can take to protect your business, as well as reactive assistance in the event of a breach.

Trauma Assist²: 24/7 confidential counseling
Get access to confidential counseling services to help you and your employees cope with the traumatic effects of an insured loss.

Risk Management Assist²: On-call loss prevention guidance
Get access to Northbridge Risk Management specialists, who can answer your questions and provide guidance on a variety of loss prevention topics.

Legal Assist²: Proactive legal support resources
Small businesses are often less likely to have in-house legal expertise. That’s why Northbridge offers a robust suite of proactive legal support resources designed to meet the needs of their small business policyholders. It includes not only a telephone legal helpline, but also document review and drafting services, plus a library of customizable legal templates – a savings of $260 or more! Are you a larger business? As a Northbridge policyholder, you’ll continue to enjoy unlimited and confidential telephone legal assistance through the legal helpline service.

Protect your business and property

Your business rests on your workspace, people and operations. That’s why Northbridge makes property and liability coverage a top priority.

Property: Protects your business property, including buildings, any equipment (including computers and electronics), fixtures and furnishings, and inventory and supplies.

General liability: Covers injuries to your customers, suppliers or visitors to your business’ property. It also covers staff conducting business off-site that causes injury to a third party or its property.

Business interruption: Reimburses you for lost net profits and other expenses required to help your business carry on until it’s up and running again after an insured loss.

Auto Coverage for non-owned vehicles: Protection for when your business is sued for bodily injury or property damage caused by a rented or borrowed vehicle.

And, because each industry faces unique risks and demands, Northbridge offers additional coverage designed to fit your business and help you overcome some common roadblocks.

Commercial auto insurance: If your company owns vehicles that are driven by yourself or your staff as part of the day-to-day business, you’ll want to make sure you have the right protection in place.

Product liability: This coverage protects you if a product you manufacture or sell turns out to be defective, or if there are inaccuracies in assembly instructions or warnings.

Professional liability: If a customer claims you failed to deliver on what was outlined in a contract or that you mismanaged a project, professional liability coverage can help cover legal costs and expenses.

Coverage for Contractors: Special protection for your expensive tools, equipment and installation materials against loss or damage from causes like theft, fire and vandalism.

Flexibility you deserve Show more Show less

Advisor and clients shaking hands in office

Get added peace of mind, with flexible features built into your insurance policy.

Flexible payment options: You get 0% interest and the ability to pay all at once, monthly or in installments using a variety of payment methods, including credit card.

No penalties: Revise coverage as your needs change. If you need to cancel the policy, you only pay for coverage up to the cancellation date.

24/7 claims service: Our experts understand your industry and business, so they can get you back to work quickly and make settlements easy and stress-free when it matters most.

Don’t wait until a loss sidelines your business Show more Show less

Protect yourself with a comprehensive business insurance policy designed for CFIB members. Request a quote today and learn how you can take advantage of the exclusive benefits offered by Northbridge. They’ll have an expert insurance broker contact you within one business day to discuss your insurance needs.

Footnotes Show more Show less

Northbridge Insurance, Northbridge Insurance Logo and Risk Management Assist are trademarks of Northbridge Financial Corporation, licensed by Northbridge General Insurance Corporation (insurer of Northbridge Insurance policies). Terms, conditions and exclusions apply, see policy for details.

¹Legal helpline service is 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.

²Legal Assist services are not provided for criminal, personal or insurance issues, do not provide representation in legal proceedings or legal fees coverage and are not an insurance policy. Legal Assist services are provided through ARAG Legal Solutions Inc. by lawyers licensed in the province or territory of your residence. Risk 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, LLC, 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.

What does a membership cost?

Monthly membership fees are $32.00, plus $3.00 per employee.

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Looking for a new way to help your members? How CFIB can support your group

CFIB offers a unique and powerful partnership to industry associations and franchise groups. We have already established partnerships with more than 90 groups across the country, and their members now enjoy the full suite of CFIB’s services.