Northbridge Insurance

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Northbridge Insurance offers personal and business insurance throughout Canada, and is a subsidiary Northbridge Financial Corporation, a company with over 90 years of providing insurance solutions to Canadians.

Company Overview

Northbridge Insurance offers an extensive range of personal and business coverage products, including small business insurance. The company also offers a range of what it calls specialty solutions; miscellaneous coverage for less standard risk profiles.

Customers of Northbridge Insurance can expect:

• Discounts that make personal and business insurance more affordable
• A wider variety of coverage options thanks to the companies “specialty solutions” policies
• Service that’s personal and local—Northbridge has offices in Quebec, Ontario, Nova Scotia, Vancouver, Edmonton, and Calgary.

With so many locations across the country, Northbridge Insurance relies on brokers to connect new clients to their insurance solutions.

Advantages of Northbridge Insurance

There are several advantages of buying a policy from Northbridge Insurance for personal use, or to protect your business. Northbridge plans are especially useful for people operating a small business the company offers plans specifically designed for the unique needs of small business owners. Additionally, Northbridge Insurance offers a few coverage options in its “specialty solutions” section which are rarely offered by other insurance providers.

Some of the advantages of using Northbridge include:

• Access to rare and innovative coverage products: the company’s “specialty solutions” area contains some coverage options that are relatively rare currently, with a major highlight: insurance for rideshare drivers. Ontario cities, especially Toronto, are innovating in the sphere of using rideshare services for transportation and Northbridge Insurance provides coverage beyond personal auto plans for these customers.
• Plans for small business owners: Northbridge Insurance offers policies with small business owners specifically in mind, making the company’s small business plans (including general liability, cyber security, commercial property, and errors & omissions) a good choice for people running a business on a slim budget.
• A variety of discounts and multi-line options: Focused on personal policies, Northbridge Insurance offers a variety of discounts that make it easy for customers to save more when they buy more policies with the company.

Northbridge Insurance Products

Northbridge Insurance offers products in four areas: personal, business, small business, and specialty.

Personal Insurance

Northbridge Insurance’s personal policies fall into the following areas:

• Home
• Auto
• Seasonal Properties
• Recreational Vehicles

Home Insurance

Northbridge’s home policies offer benefits such as:

• guaranteed full cost replacement
• coverage extends to a student away at college
• special limits on high-value items in your home

Home discounts include:

• The Personal Choice program, which bundles home and auto for a discount
• New home discount
• Discount for 3 consecutive years without a claim
• Discount for an approved burglary or fire alarm system in your home
• Discount for age of policyholder
• Discount for being mortgage-free

Auto Insurance

Auto insurance discounts include:

• Personal Choice bundle
• Multiple vehicle discount
• Driving Record Protection: for a small fee, Northbridge will protect your record if you get in a minor (at-fault) accident

Seasonal Property Insurance

Northbridge will cover summer and winter properties, as well as rentals and more.

Recreational Vehicle Insurance

The RVs that Northbridge covers include:

• Watercraft
• Motor homes
• Vacation trailers
• Snowmobiles
• ATVs

Business Insurance

Northbridge offers a variety of coverage options for business owners in different industries, including:

• Cyber Risk
• Property Insurance
• Business Income Insurance
• Commercial Auto Coverage
• Commercial General Liability
• Crime Loss Coverage

Small Business Insurance

Northbridge Insurance has a unique line of products that take into account the unique needs of small business owners and entrepreneurs. These coverage options are as follows:

• General commercial liability coverage that protects small business owners in the event of a lawsuit
• Cyber coverage to protect against data breaches
• Property insurance that takes into account the unique property needs and assets of small business owners
• Coverage for errors & omissions that may make a small business liable for the loss of profits

Specialty Solutions

Northbridge Insurance also offers several other coverage options that fall under the title of “specialty solutions”. Among these policies is surety bonding coverage, marine industry risk protection, and an innovative grouping of policies to cover drivers for three popular Canadian rideshare services beyond what’s covered by personal auto policies.

Northbridge Insurance Reviews