Commercial Insurance

Selected Commercial Insurance Types Include:

• Residential Rentals
  Single family rental dwellings.
• Multi-Unit Residential Rentals
  Up to 12 rental units. Ask us about our preferred rates for rental locations operated by a property management company.
• Contractors
  Covering a wide variety of contracting operations.
• Home-Based Businesses
  Businesses with a gross revenue of less than $100,000.
• Manufacturing
  Businesses that produce Natural/Organic Skin Products, Food & Beverage, Furniture, Signs, Jewelry, Clothing, Packaging, and more.
• Wholesalers
  Businesses that produce Dry Goods, Clothing, Baked Goods, Draperies & Rugs, Seed & Garden Supplies, Leather, Sporting Goods, Beauty Supplies, and more.
• Offices
  Available in a variety of locations.
  
• Retail
  Available in a variety of locations.
  
• Restaurants
  Locations with a gross revenue of less than $850,000, including stands, take out, and catering.
  
• Professional Services
  Photography, Janitorial, Window cleaning, and more.
  
• Churches
  Locations offering services and select supplemental offerings.
  
• Farmers Market
  Locations that also have farm insurance with us.

Business Interruption Insurance Coverage

Managing risk is an essential part of operations for every business. Now more than ever, it is important to ensure that your business is protected if something unexpected happens.

If an insured property loss occurs (e.g. a fire) and your business can’t carry on as usual, business interruption insurance will help you continue meeting your fixed costs and retain your key personnel if your income is diminished.

From additional out-of-pocket costs like rental of a temporary location, rental of equipment or tools, or replacement of inventory, this type of insurance coverage offers many benefits to business owners.

We’re A Different Type of Insurance Provider

HD Mutual is a mutual insurer, which means that we do things differently from the large, corporate insurers. 

We are proud to be a 100% Canadian-owned company, owned solely by its policyholders, and backed by one of the world’s most financially secure insurance networks: 35 mutual companies, known as Ontario Mutuals, providing strength, stability, and expertise.

When you become a policyholder with HD Mutual, you become a member owner of the company. This means:

1. You have a voice.
   When you purchase an insurance policy with us, you’re more than a policyholder. You become a member of our company and your vote counts when important decisions are being made. 
2. You support your local community.
   When you pay your premiums, the money goes towards employing your neighbours, supporting the local economy, and investing in local projects.
3. You are treated with respect.
   When you need assistance, you will receive help from a caring and responsive team of professionals. You will never have to deal with a call centre.
4. You will receive great rates.
   When you have a policy with HD Mutual you are supporting the not-for-profit company, Ontario Mutuals. You can rest assured that your premiums are not going to a select group of shareholders.