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Small Business Insurance for Electrical & Hardware Stores
You provide Canadians with the materials and expertise needed to light up, entertain, improve our homes, and more. Dealing with the public and offering daily advice can open you up to unforeseen risks – from a customer getting injured on your premises, to a theft occurring at your property. Let us help you find customized coverage that offers you the protection you require.
Speak to a licensed TD Insurance Advisor 1-855-724-2883
Electrical & Hardware Store Insurance is recommended for:
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Electrical Shops
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Appliance Stores & Wholesalers
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Hardware Stores & Wholesalers
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Lighting Stores
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Electronics Stores
Why You Need Electrical & Hardware Store Small Business Insurance
Let’s get you started with a quote
Speak to a licensed TD Insurance Advisor 1-855-724-2883
Coverage Options for Electrical & Hardware Stores
It’s easy to choose the right coverage for your business with TD Insurance. We'll help build a customized insurance policy to fit your needs, so you'll be confident you're protected.
TD Insurance Savings Commitment
Along with customizing a policy to fit your business's needs, TD Insurance is committed to savings. We may be able to offer you additional discounts – speak to a licensed TD Insurance Advisor today.
Claim Scenarios for Electrical & Hardware Stores
Potential Claim:
You just finished mopping the aisle of your hardware store. A customer comes in looking for a new drill and asks you to show her around. As she follows you to the aisle, she slips on a wet section on the floor and injures her arm. The customer would like for you to cover her medical expenses.
Potential Outcome:
Your commercial general liability Insurance may cover the amount you are legally required to pay, including any medical expenses incurred by the customer.
Potential Claim:
Your store has a break-in overnight and expensive entertainment merchandise, including televisions and soundbars, is stolen from your store.
Potential Outcome:
Your commercial property policy may cover the cost to replace the stolen merchandise. If there is damage caused to your property, your policy may also cover the repair costs.
LEGAL DISCLAIMER
The content on this page is for general information purposes only and does not constitute legal advice. Coverages described herein may be subject to additional eligibility criteria, limitations and exclusions. In the event you make a claim, potential indemnification is also subject to the receivability of the claim and the type of coverage you bought.
In the case of conflict between the content on this page and your policy wordings, your policy wordings shall prevail. Please speak to an Advisor or consult your policy wordings for further details.
1TD Insurance refers collectively to the following insurance companies:
1. Security National Insurance Company;
2. Primmum Insurance Company;
3. TD General Insurance Company;
4. TD Home and Auto Insurance Company; and
5. TD Life Insurance Company
TD Insurance business insurance policies are underwritten by Security National Insurance Company. They are distributed by Security National Insurance Company in Quebec and distributed by TD Insurance Direct Agency Inc. in the rest of Canada.
This "Offer" is for new and existing TD Insurance customers who are eligible to purchase a new business insurance policy and who are a sole proprietor, majority owner, majority partner, or signing officer of a corporation, partnership or business entity designated as a TD Insurance policyholder and are members of a group or an association that have a group marketing agreement with TD Insurance.
This Offer provides a discount applicable to premiums charged for TD Insurance business insurance policies and their endorsements. The discount will continue to be applicable upon policy renewal.
Eligibility to purchase a business insurance policy is subject to TD Insurance underwriting rules and standards.
Offer may be changed, withdrawn, or extended at any time, without notice.
2TD Insurance refers collectively to the following insurance companies:
• Security National Insurance Company;
• Primmum Insurance Company;
• TD General Insurance Company;
• TD Home and Auto Insurance Company; and
• TD Life Insurance Company
TD Insurance business insurance policies are underwritten by Security National Insurance Company. They are distributed by Security National Insurance Company in Quebec and distributed by TD Insurance Direct Agency Inc. in the rest of Canada.
This "Offer" is for new and existing TD Insurance customers who are eligible to purchase a new business insurance policy and who are "TD Small Business Banking Customers" as defined below.
For the purposes of this Offer only, a "TD Small Business Banking Customers" includes a natural person or business entity who:
• has a TD Small Business Bank deposit or savings account;
• has a TD Business Mortgage or a TD Business Line of Credit, secured or unsecured;
• has a TD Business loan or Canada Small Business Financing Act loan through TD;
• has a TD Business Credit Card or other business credit card issued by TD;
• has a TD Business Investing product or account;
• has TD Business Credit Life Insurance or TD Business Credit Living Benefit Insurance.
This Offer provides a 5% discount applicable to premiums charged for TD Insurance business insurance policies and their endorsements. The discount will continue to be applicable upon policy renewal.
Individually rated commercial automobile insurance policies and endorsements are excluded from this Offer.
Eligibility to purchase a business insurance policy is subject to TD Insurance underwriting rules and standards.
To receive the Offer, the policyholder's name on the TD Insurance business insurance policy must match the name of the natural person or business entity in whose name the product or account in the bulleted list above has been obtained.
Offer may be changed, withdrawn, or extended at any time, without notice.