Simple and flexible business insurance

As a small business owner, you’ve got a lot on your plate and 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.

Northbridge provides CFIB members access to comprehensive insurance coverage, exclusive savings and benefits, complimentary services for added peace of mind, and superior service to help support the success of your business.

Exclusive savings and benefits for CFIB members

Northbridge offers CFIB members benefits not typically available to other customers.

✦ Premium discounts for eligible businesses

10% premium discount on business insurance¹
50% premium discount on optional cyber risk coverage with $50,000 limit and no application required²

Premium discounts apply only to businesses with less than or equal to $5M CAD in revenue ($3M CAD for Manufacturing and Contracting), less than or equal to $10M CAD in total insured value (maximum $5M CAD per location), Canadian locations only, and a maximum of nine vehicles.

Why do you need cyber risk coverage? Show more Show less

As the digital landscape rapidly changes, so too are cyber threats. While big company breaches tend to make headlines, the fact is that small- and medium-sized businesses are equally at risk. According to CFIB research, nearly half of small businesses (45%) experienced a random cyberattack in 2022, and 27% experienced a targeted attack. If your business is hit by an attack, the impact can be devastating, costing you time and money. That's why Northbridge offers optional cyber risk insurance to help protect your bottom line and reputation. Policyholders also get access to Cyber Assist³ services, which provide expert consultation on proactive measures you can take to protect your business and reactive assistance in the event of a breach.

✦ Other special perks

Legal helpline³: Receive one year of complimentary telephone legal advice just for requesting a quote – no strings attached, no obligation to purchase a policy.

Flexible payment options:

0% interest – a cost-saving benefit, especially during a time of higher interest rates
Variety of payment methods accepted, including credit card
Ability to pay all at once, monthly or in installments

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.

Flexible payment options and cancellation without penalties are not available for course of construction (builder’s risk) and standalone coverage(s) for automobile, umbrella, errors and omissions (E&O), and directors and officers (D&O). Other exclusions may apply, check with your insurance broker for more information.

Protect your business and property

Small business owner, whose business is protected by Northbridge Insurance, is smiling

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

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

Commercial General Liability Insurance: 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 Insurance: 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.

Add-on protection to fit your business Show more Show less

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.

Get more than just a policy

A small business owner is excited to become a client of Northbridge Insurance

✦ Before you even insure:

Request a quote and get one year of complimentary legal helpline service³ – no strings attached! This service provides unlimited telephone access to legal counsel on issues impacting your business, including:

Labour law
Accessibility
Administrative law
Employment law
Real estate law
Estate planning

Succession planning
Commercial law
Tax law
Consumer law
Bankruptcy law

✦ Once you insure:

Northbridge offers additional services that go above and beyond your policy to provide added peace of mind:

Legal Assist³: Proactive legal support resources
Get access to a robust suite of proactive legal support resources designed to meet the needs of businesses like yours. 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!
Trauma Assist³: 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 Assist³: 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.
Claims Experts
Northbridge claims specialists are experts in a variety of commercial segments, and their industry-specific expertise means they understand your business and your unique claims situation. They are available 24 hours a day, 7 days a week, to help get you back to business quickly with transparency, innovative tools, and personalized support to ease the burden of filing and resolving a claim.

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.

Premium discount on business insurance is not applicable to standalone coverage(s) for automobile, umbrella, E&O, and D&O; transportation and logistics; resource industries (e.g. farm/livestock, logging, oil/gas); and course of construction (builder’s risk). Other exclusions may apply, check with your insurance broker for more information.
Higher limits are available for purchase, subject to application, terms and conditions. Premium discount does not apply for coverage above $50,000. Speak with your broker for more information.
Legal helpline service is not provided for criminal, personal or insurance issues, does not provide representation in legal proceedings or legal fees coverage, and is provided by Assistenza International, through lawyers licensed in your jurisdiction. Legal 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. or Assistenza International by lawyers licensed in the province or territory of your residence. Refer to your policy for more details. 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.

Find out what you can save!

Complimentary telephone legal advice for 1 year
- 10% discount on business insurance premium
- 50% premium discount on optional cyber risk coverage with $50,000 limit
- Flexible payment options with 0% interest
No-charge loss prevention guidance with your policy

What does a membership cost?

Monthly membership fees are $34 plus $3 per employee.

Find out what this means for your business.

MEMBERSHIP CALCULATOR

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Want to offer more to your members? If you are responsible for an association or a group of franchisees, we offer you an incomparable alliance that will allow you to offer even more advantages to your members. We have already signed agreements with more than 120 groups across the country and their members now benefit from all CFIB services.
Learn more about group agreements.