Business at Home Coverage

At Portage Mutual, we believe that doing business with integrity never goes out of style.

Responding to Your Needs

It is as important today as it was when we began over 100 years ago, and it is part of what makes Portage Mutual customers so loyal. Over the years, we’ve built a reputation as one of the most responsive property and casualty insurers in Canada. Our new Business At Home Coverage shows you why.

Outstanding coverage for a wide range of home business operators:

  • Accounting
  • Adjuster (public or independent)
  • Antique Gallery/Shop
  • Appraisal Service
  • Art Gallery/Studio/Supplies
  • Bakery
  • Barber/Beauty Supplies
  • Book/Magazine Distributor
  • Bookbinding
  • Bookkeeping
  • Candy/Nut Confections
  • Ceramics & Glassware
  • Clothing & Accessories
  • Clowns, Magicians & Entertainers (excluding bands)
  • Computer Consultants/Repair
  • Cosmetic Sales (e.g., Avon, Mary Kay)
  • Desktop Publishing
  • Draftsman
  • Draperies & Window Coverings
  • Engraving
  • Expert Witness Consultant
  • Financial Planning
  • Floral Arrangements
  • Food Supplements/Vitamins
  • Framing
  • Gift Shop/Deliver
  • Graphic Artist/Designer
  • Hairdresser
  • Handicrafts
  • Hobby & Model Supplies
  • Household & Kitchen Products (e.g. Amway, Tupperware)
  • Insurance Agents/Brokers
  • Interior Design
  • Jewellery (costume)
  • Leather Goods
  • Personal Care Products
  • Photographer/Photography Studio
  • Printer/Publisher
  • Product Sales (e.g. Toys, Trophies)
  • Residential Inspection Service
  • Secretarial/Word Processing
  • Shoe Repair
  • Stationary & Paper Goods
  • Tailor, Seamstress, Alterations
  • Telemarketing
  • Transcribing, Court Reporters
  • Teachers/Tutors
  • TV/VCR Repair
  • Videotaping, Dubbing, Editing
  • Wedding Cake/Cookie Sales
  • Wood Products (not manufacturing)
  • Writers/Authors

High Standards of Coverage

Business At Home Coverage is available to businesses operated from your primary residence. It is offered as an extension to your Homeowner, Tenant, Condominium or Farm Homeowners policy. Coverage will be either All Risk or Broad Named Perils, depending on your residential policy.

Blanket coverage is provided for all business property on your premises, including tools, books, papers, office furniture, computer hardware and software and merchandise.

Off-premises blanket coverage is provided to a limit of $5,000 for all business property. Loss due to theft and accidental destruction is covered to a limit of $1,000 for securities and $300 for money.

You choose the level of coverage that best suits your business needs:

  • $10,000 property limit
  • $20,000 property limit
  • $30,000 property limit

Extra expense: provided to a limit of $2,500.

Liability Options: standard policy liability limit, with options to increase as required. Your Business At Home liability limit must be the same as your residential policy limit.

Professional liability for hairdressers: available on a per operator basis.

Deductible: same as your principal residence policy.

Claims-free Discount: will be applied to the Business At Home premiums if the principle residence policy is also loss free.

Too Big to Fit?

If your home business doesn’t meet eligibility requirements for Business At Home Coverage, Portage Mutual can offer you a Retailers Pro or Office Pro policy at a discounted rate.

Portage Mutual works with a network of insurance brokers across Canada. They are licensed professionals who work for your best interests and help you navigate the complexities of your insurance purchase.

Coverages and limits are subject to change. This is a general description of coverages. Actual policy conditions govern.
For a complete description of coverages please consult your insurance broker or the policy wordings.