At HTM Insurance, we understand what it takes to run a business. Whether you operate on the main street or out of your own home, HTM offers tailored business insurance in Cobourg to help protect what you’ve built. Our customizable commercial insurance packages will protect you and your investment, so you can focus on running your business. Talk to your local HTM broker or agent to discover the best options available in your specific situation.
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Whether your business operates on the main street or out of your own home, our flexible coverage works to protect everything you’ve worked so hard to build.
Tailored Insurance Packages for Your Business
We offer a wide range of packages for a variety of operations, including:
Small Business
Scalable insurance packages for entrepreneurs and growing businesses, with coverage tailored to your industry and risk profile.
Apartments
Insurance solutions for landlords and property managers, including liability and rental income protection.
Bed & Breakfasts
Coverage that blends hospitality and home-based business protection.
Churches
Specialized policies for places of worship.
Contractors
Whether you’re on the job site or the road, we cover tools, equipment, and liability.
Home-Based Business
Affordable protection for business owners working from home.
Offices
Whether you’re in a commercial space or a home office, we offer comprehensive policies for professional services.
Retail Stores
Safeguard your inventory, customers, and premises with flexible retail coverage.
If your business doesn’t fall into these categories, we’ll still help you find the right fit. Talk to an HTM broker to create a custom policy.
Explore Discounted Commercial Insurance Rates
HTM Insurance offers an array of discounts to help lower your business insurance costs without compromising coverage, including:
- Multi-policy
- Claims Free
Why Choose HTM for Your Commercial Insurance?
At HTM Insurance, we’re trusted by business owners all over Ontario to provide the right coverage for their operations. Our trusted advisors are committed to going the extra mile so you can focus on what matters most – your business. Contact our team to get a quote today!
Policy Wording
Refer to your policy declaration page for the coverages you have purchased from us. Your agent or broker is your best adviser.
| Description of Coverage | Coverage Code | Coverage Type | Current Wording | Previous Wordings |
|---|---|---|---|---|
| Watercraft, Outboard Motor and Miscellaneous Equipment Broad Form Coverage Endorsement | EO-0810-0124H | Business | Jun 2025 | |
| Miscellaneous Property Coverage – Named Perils Including Theft | EO-0720-0113HTM | Business | May 2025 | |
| Transportation Coverages – Broad Form | ECM-1130-1217 | Business | Dec 2017 | |
| Miscellaneous Property Endorsement – Broad Form | CMF-0060-0814 | Business | Aug 2014 | |
| Solar Energy Equipment Coverage Endorsement | EM-0635-0822 | Business | Aug 2022 | |
| Alarm System Warranty | ASW-10.24 | Business | Oct 2024 | |
| Locked Vehicle Warranty | LVW-10.24 | Business | Oct 2024 | |
| Statutory and Additional Conditions – Commercial | EO-0895-0125 | Business | Jan 2025 | |
| Communicable Disease Exclusion | EO-1557-0824 | Business, Farm | Aug 2024 | |
| Greenhouse Building, Equipment, Stock and Crop Broad Form Coverage | ECM-0120-0104 | Business | Jan 2004 | |
| Additional Agreements of the Insurer – Licensed Grain Commercial Package | CMF-2005-0817H | Business | Aug 2025 | Aug 2017 |
| Limited Waiver of Depreciation Extension | LWD-0010-11.23 | Business, Contractors | Nov 2023 | |
| Voluntary Compensation for Church Employees and Volunteers | ELI-0500-1218 | Business | Dec 2018 | Dec 2010 |
| Tenant’s Restriction Endorsement | EO-1566-0621 | Business | Jun 2021 | Jan 2014 |
| First Party Welding, Cutting and Hot Works Warranty | EO-2005-0419-H | Business | Apr 2019 | Jan 2017 |
| Winery Broad Form | CMF-0520-1215 | Business | Dec 2015 | |
| Stat Conditions | EO-0895-0315 | Business | Mar 2015 | |
| Solar Energy Equipment Coverage Endorsement | EM-0635-0822 | Business | Aug 2022 | Mar 2011 |
| Sewer, Septic Tank, Floor Drain or Sump Backup Coverage | CMF-0025-1218 | Business | Dec 2018 | |
| S.P.F. No 6.- Standard Non-Owned Automobile | ELI-0825-1218 | Business | Dec 2018 | |
| S.E.F. No. 99 Excluding Long Term Leased Vehicle Endorsement | HTM-0950-0712 | Business | Jul 2012 | |
| Restriction of Coverage – Roof Endorsement | EO-0105-0113 | Business | Jan 2013 | |
| Pollution Liability Extension Endorsement | ELI-0725-1210 | Business | Dec 2010 | |
| Pollution Liability Coverage for Land Exterminators Endorsement | ELI-0125-0121 | Business | Jan 2021 | Apr 2013 |
| Office Equipment Endorsement | ECM-0010-1206 | Business | Dec 2006 | |
| O.E.F. 98B Reduction of Coverage for Lessees or Drivers of Leased Vehicles Endorsement | HTM-0945-0216 | Business | Feb 2016 | Aug 2013 |
| Money & Securities (Broad Form) Rider | ECC-0035-0821 | Business | Aug 2021 | |
| Loss of Income – Earnings No Co-Insurance Coverage Endorsement | EI-0600-0111 | Business | Jan 2011 | |
| Installation Coverage Form | CMF-0020-1218 | Business | Dec 2018 | |
| Limitation of Liability Coverage to Designated Premises | CE-0050-1210 | Business | Dec 2010 | |
| Host Liquor Liability Exclusion | HTM-0760-1210 | Business, Farm | Aug 2024 | Dec 2010 |
| Gross Rental Income Form | EI-0025-1218 | Business, Farm, Residential | Dec 2018 | |
| Flood Coverage Endorsement | EO-1015-0915 | Business | Sep 2015 | |
| Exterior Glass Coverage Form | EO-0735-0501 | Business | May 2001 | |
| Extended Loss of Income Coverage – ALS | EI-0690-0609 | Business | Jun 2009 | |
| Extended Loss of Income Coverage | EI-0680-0609 | Business | Jun 2009 | |
| Exclusion – Products – Completed Operations Hazard | ELI-0055-1218 | Business | Dec 2018 | Dec 2010 |
| Equipment Breakdown Endorsement | EO-0865-0125 | Business | Jan 2025 | Sep 2007 |
| Employer’s Bodily Injury Liability Coverage Extension Endorsement | ELI-0045-0419 | Business | Apr 2019 | Dec 2010 |
| Earthquake Endorsement | EO-0016-0124 | Business, Farm, Residential | Jan 2024 | Apr 2019 |
| Druggist Liability Extension Endorsement | ELI-0110-1218 | Business | Dec 2018 | Dec 2010 |
| Data Compromise Coverage Endorsement – Response Expenses and Defence | EO-0985-0125 | Business | Jan 2025 | Jan 2016 |
| Cyberone Coverage – Computer Attack and Network Security Liability Endorsement | EO-0990-0125 | Business | Jun 2025 | Jan 2016 |
| Comprehensive Dishonesty, Disappearance & Destruction Coverage Form | ECC-0055-0521 | Business | May 2021 | Jun 2009 |
| Commercial Property Named Perils Form | CMF-0150-1218 | Business | Dec 2018 | Mar 2012 |
| Commercial Umbrella Liability | PP-0020-0907 | Business | Sep 2007 | |
| Contractors Tools & Equipment Floater | CMF-0010-1218 | Business | Dec 2018 | |
| Contractors’ Accident Insurance | HTM CA-1-11-2012 | Business | Nov 2012 | |
| Commercial Property Broad Form | CMF-0005-1218 | Business | Dec 2018 | |
| Commercial General Liability | ELI-0780-0222 | Business | Feb 2022 | Dec 2010 |
| Commercial Condominium Liability Endorsement | EO-0905-0112 | Business | Jan 2012 | |
| Church Counselling Liability Extension Endorsement | ELI-0810-1218 | Business | Dec 2018 | |
| Builders Risk Broad Form | ECF-1580-0222 | Business | Feb 2022 | Dec 1995 |
| Salon or Barber Shop Liability Extension Endorsement | ELI-0095-1218 | Business | Dec 2018 | Dec 2010 |
| Athletic-Sports Participant Exclusion Endorsement | ELI-0120-1218 | Business | Dec 2018 | Dec 2010 |
| Antique Stock-Second Hand Goods Clause | CMF-0030-1218 | Business | Dec 2018 | |
| Additional Property Damage Exclusion | ELI-0065-1210 | Business | Dec 2010 | |
| Additional Agreements of the Insurer – Church Package | CMF-0500-1218H | Business | Aug 2025 | Dec 2018 Jan 2024 |
| Additional Agreements of the Insurer – Winery Package | CMF-0525-1215H | Business | Aug 2025 | Dec 2015 |
| Additional Agreements of the Insurer – Contractors Package | CMF-0205-1218H | Business | Aug 2025 | Dec 2018 Jan 2024 |
| Additional Agreements of the Insurer – Commercial Package | CMF-0035-1218H | Business | Aug 2025 | Dec 2018 Jan 2024 |
Testimonials
Other Products
At HTM, we strive to offer a variety of products to fit your every need, allowing you to have everything you need in one place. Our product offering includes Farm, Residential, Auto and Commercial policies, which you can choose from by working with one of our knowledgeable agents or brokers.
