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Customized Insurance for Retailers & Wholesalers

As a Retailer or Wholesaler, it is important to protect the business you’ve worked so hard to build. From your premises, inventory and equipment to you and your delivery vehicles, there are so many aspects of your business to consider – and we can help. We offer customized coverage options to suit the needs of your retail or wholesale business.

Speak to a licensed TD Insurance Advisor 1-855-724-2883 

Why you need Small Business Insurance

 

Anyone who is selling a product directly to the end customer (retailer) or to a retailer (wholesaler) should have insurance coverage.

  • Protect your inventory

    If your inventory is spoiled or damaged, because of a covered event, we will help you replace it so you can continue to service your customers.

  • Accidents happen

    If a customer gets injured in your store, or on your premises, we offer liability coverage, if you are held legally responsible.

  • Shield your property

    Coverage for your storefront or warehouse if it is damaged due to an unexpected insured event.

  • Protecting your livelihood

    Injured in a covered accident while driving? We'll help cover the costs of rehabilitation.

Save up to 30% on your business insurance1

You may be eligible for discounts on your Commercial Property & Liability coverage. Call us at 1-855-724-2883 to see how much you can save.

  • Bundle and save

    Save 15% when you bundle your commercial property & liability with your commercial auto policy.1

  • Alumni & Professional savings

    Save 5% for eligible Alumni and Professional Groups.1

  • TD Customer Loyalty Discount

    Save 10% for being an existing TD customer.1

What businesses are considered Retailers & Wholesalers?

  1. Food and Grocery

  2. Fashion and Clothing

  3. Florists

  4. Furniture and Flooring

  5. Electrical and Hardware Stores

  6. Pharmacies and Drug Stores

  7. Pet Stores

  1. Bakeries

  2. Variety and Convenience Stores

  3. Music, Video and Book Stores

  4. Sporting Goods

  5. Home Décor

  6. Office Supplies

  7. Medical and Scientific Equipment Suppliers

Coverage Options for Retailers & Wholesalers

 

As a small business owner, we know your business is your livelihood. The right insurance can protect what you have worked so hard to build – we can help.

  • Commercial Property Insurance

    Helps retailers and wholesalers protect the physical assets they rely on to operate, including buildings, inventory, equipment, and merchandise. Coverage may help if these assets are damaged by a covered event.

    • Protect your inventory: Helps cover inventory that is damaged or spoiled due to a covered loss.
    • Safeguard your storefront or warehouse: Helps protect your business property from covered events such as fire, theft, or water damage.
    • Support business recovery: Helps your business replace essential assets and resume operations after an insured loss.

    Explore Commercial Property Insurance

  • Commercial General Liability Insurance

    Helps retailers and wholesalers manage the risk of third-party injury or property damage claims arising from business operations. 

    • Protect against Slip and Fall claims: Helps if a customer is injured while visiting your store or premises. 
    • Third-party property damage claims: Helpful if your operations cause accidental damage to someone else's property.  
    • Products you sell or supply: Helps if a customer claims a product you sold or supplied caused injury or property damage. 

    Explore Commercial General Liability Insurance

  • Commercial Auto Insurance

    Helps protect the vehicles used to transport inventory, make deliveries, and support day-to-day retail and wholesale operations. 

    • Protect business vehicles: Coverage designed for vehicles used in business related operations. 
    • Support deliveries and conveyance: Helps businesses that regularly move products between suppliers, warehouses, and customers.
    • Protect drivers on the road: May help cover accident-related costs involving insured business vehicles. 

    Explore Commercial Auto Insurance

Need to make a claim?

Our TD Insurance Claims Advisors are ready to help make submitting a claim as easy as possible – we will support you throughout the entire process.

Call 1-855-724-2883 Call 1-855-724-2883

  • Get started with a quote online

    Get a customized quote for your business when you find the time, day or night. We know you are busy – let’s get you started right from where you are.

    Get a Quote

  • Insurance questions? Find the answers

    Can't find what you're looking for? Visit our TD Insurance Small Business FAQ page for additional help in answering your small business insurance-related questions.

    Browse FAQ

  • Visit our Advice Centre

    From retail to carpentry, you can visit our Advice Centre to find out which coverage options suit your business. Also, check out tools and resources available at your disposal. 

    Explore now

  • Call us by Phone

    Licensed TD Insurance Advisors are available to answer your questions and help you get started. Broker-free and ready when you are. Call us today.

    Mon-Fri 8am to 8pm
    Sat 9am to 4pm

    Call 1-855-724-2883 Call 1-855-724-2883

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.

TD 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.

1 Savings of up to 30% on your TD Insurance for Business Commercial Property and General Liability Insurance Policy can be obtained through a combination of the following three discounts:

Multi-Product Discount

You could save up to 15% on your Commercial Property and General Liability, and  5% on your Individually Rated Commercial Auto (“IRCA”) insurance policies when you insure a Commercial Property and General Liability policy and an IRCA policy with TD Insurance.

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.

Alumni and Professional Group Discount

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 of 5% 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.


TD Customer Loyalty Discount

Eligibility

For the purposes of this Offer only, an "Eligible TD Customer" means a natural person who is a director, board member, signing officer, business owner, sole proprietor, or majority partner of a business entity and who:

• has a TD deposit account;
• has a TD Mortgage, a TD Home Equity FlexLine, or a TD loan or line of credit, secured or unsecured;
• has a TD credit card or other credit card issued by TD;
• has a TD investment product or account;
• has a TD automobile financing product;
• has a TD Insurance residential insurance or personal passenger automobile insurance policy;
• has a TD Insurance life insurance or accident and sickness insurance policy; or.
• has a TD Business Credit Life Insurance or TD Business Credit Living Benefit Insurance policy.

This Offer is for

A) Eligible TD Customers who purchase their first TD Insurance business insurance policy effective on or after April 21, 2024;
B) Eligible TD Customers who are existing TD Insurance business insurance customers before April 21, 2024, and who purchase a new TD Insurance business insurance policy effective on or after April 21, 2024; and
C) Eligible TD Customers who are existing TD Insurance business insurance customers currently benefitting from the TD Small Business Banking Discount before April 21, 2024.

Application

(A) Eligible TD Customers who purchase their first TD Insurance business insurance policy effective on or after April 21, 2024:

• This Offer provides a 10% discount applicable to premiums charged for the TD Insurance business insurance policy in question, and its endorsements. The 10% discount will continue to apply upon policy renewal, subject to continued eligibility.

(B) Eligible TD Customers who are existing TD Insurance business insurance customers before April 21, 2024 and who purchase a new TD Insurance business insurance policy effective on or after April 21, 2024:

• This Offer provides a 10% discount applicable to premiums charged for the TD Insurance business insurance policy in question, and its endorsements. The 10% discount will continue to apply upon policy renewal, subject to continued eligibility.

(C) Eligible TD Customers who are existing TD Insurance business insurance customers currently benefitting from the TD Small Business Banking Discount before April 21, 2024:

• The TD Small Business Banking Discount will be subsumed by the present Offer. This Offer will provide a 10% discount applicable to premiums charged for the TD Insurance business insurance policy in question, and its endorsements, in proportion to the outstanding premium for the policy term in question. The 10% discount will continue to apply upon policy renewal, subject to continued eligibility.

(D) Eligible TD Customers who are existing TD Insurance business insurance customers and not currently benefitting from the TD Small Business Banking Discount before April 21, 2024:

• As of April 21, 2024, these customers may contact a TD Insurance advisor to avail themselves of the present Offer. This Offer will provide a 10% discount applicable to premiums charged for the TD Insurance business insurance policy in question, and its endorsements, in proportion to the outstanding premium for the policy term in question. The 10% discount will continue to apply upon policy renewal, subject to continued eligibility.

This Offer is not applicable to TD Insurance's individually rated commercial automobile insurance policies and their endorsements.

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.

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