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Commercial Insurance - Retail

Ayr Farmers Mutual Insurance Company Protects Homes, Farms, Businesses and Vehicles in Ayr, Ontario

As a retail business owner, you're used to serving your customers and ensuring their needs are met. Let us do the same for you with affordable Retail Insurance. We're here to help protect your business with comprehensive coverage, competitive rates and strong knowledge of the retail industry.

Retail Insurance Policy Coverage

Our Retail Insurance program offers property, loss of income, crime and liability coverage for owners of:

  • Restaurants
  • Bakeries
  • Beauty parlours
  • Barber shops
  • Gift stores
  • Clothing stores
  • Many others

Advantages of our Retail Insurance Policy Coverage

Competitive Coverage & Rates

Our Retail Insurance coverage has been crafted by experts in the insurance industry that focus on your needs as a business owner.

Discounts for Commercial Buildings

We can help save you money on your Retail Insurance by offering some valuable loss prevention tips and preventative measures that can earn you a discount.

Strong Knowledge of the Retail Industry

Our network of Agents and Brokers know the retail industry well. Need some advice? We’re always happy to help.

Did You Know We Provide Certificates of Insurance?

You may be asked to provide proof of coverage from a customer, or for a specific job. Contact your Agent or Broker, and they will help you obtain the proper information required and provide you with an official Certificate of Insurance in a timely manner.

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Types of Coverage

  • Property Coverages
    • Building (if you are the owner of the building, we insure the physical structure(s) on the premises)
    • Contents (including stock and/or equipment usual to your business)
  • Ayr Farmers Mutual’s “Automatic Extensions of Coverage”

    Your policy will include 38 extra coverages free of charge for your operations. This is unique to our company’s commercial products. 

  • Loss of Income Coverage

    If an insured loss causes your retail operation to temporarily shut down, we provide coverage (up to a certain limit) for lost income until repairs are complete.

  • Crime Coverage

    What if you or one of your employees has a deposit stolen while en-route to the bank? Our policies can provide some coverage for these types of unfortunate events.

  • Commercial General Liability Coverages

    These coverages are included with your Retail Insurance:

    Bodily Injury & Property Damage

    Coverage for injury to other people or damages caused to their property caused by your retail operations, products, and injuries that occur on your premises.

    Personal Injury and Advertising Liability

    The financial damages owed and cost to defend you in court when the advertisements produced by your retail operation cause others a loss or injury. (e.g., libel or slander)

    Medical Payments

    The medical related expenses related to an injury caused to another on your retail premises (rehabilitation costs, for example).

    Tenants Legal Liability

    Damages caused to the property of others while you are renting a location to operate your retail business.

    Non-Owned Automobile

    Can provide coverage for accidents involving the personal vehicles of your employees while using their vehicle for business purposes such as driving to the post office or picking up supplies.

  • Other Coverages

    These optional coverages may also be of interest to you:

    Sewer Backup

    Covers loss or damage to your commercial building and/or contents caused by the sudden and accidental leakage or escape of water from a sewer, septic tank, septic system, floor drain or sump pit.


    Covers damages caused by an earthquake to your building and/or contents (including snow slide, ice slide, and landslide as a result of an earthquake).

    Equipment Breakdown

    The sudden and accidental failure of equipment resulting in physical damage. Covers the repair costs of the equipment.

    Commercial Auto

    If you own a vehicle that is primarily used in the operation of your retail business, you will need to insure that vehicle on a commercial auto policy. A personal automobile policy does not include coverage for business operations.

Insurance That Works As Hard As You

Please contact us and Get Started Today! One of our Agents will work steadfastly to provide you with the information you need. Just shopping around? No problem! Our Agents are happy to help provide you with information, so you can make the best decision—For You.

Get Started Today

(519) 632-7413 Contact