Optional Coverages Available

ACCOUNTS RECEIVABLE

COVERAGE COULD BE PROVIDED ON ACCOUNTS RECEIVABLE INSURING THE ACTUAL LOSS SUSTAINED THROUGH INABILITY TO COLLECT UNPAID BALANCES. LOSS DUE TO BOOKKEEPING, ACCOUNTING OR BILLING ERRORS OR OMISSIONS OR BAD DEBTS WOULD BE EXCLUDED. COVERAGE WOULD ONLY BE PROVIDED IN THE EVENT THE INSURED'S ACCOUNTS RECEIVABLE RECORDS WERE DAMAGED OR DESTROYED BY AN INSURED PERIL AND WOULD INCLUDE THE FOLLOWING:

  • SUMS OWED TO BY CUSTOMERS WHICH YOU CANNOT COLLECT;
  • INTEREST CHARGES YOU MUST PAY ON LOANS OBTAINED TO OFFSET IMPAIRED COLLECTIONS;
  • ANY COLLECTION COSTS THAT EXCEED YOUR NORMAL COSTS;
  • OTHER COSTS REASONABLY INCURRED TO RESTORE YOUR RECORDS

BUILDER'S RISK

IN THE CONSTRUCTION BUSINESS, A CONTRACTOR IS GENERALLY REQUIRED TO PROVIDE INSURANCE FOR THE CONTRACT PRICE OF THE JOB TO BE COMPLETED. COVERAGE IS AVAILABLE UNDER A BUILDER'S RISK POLICY. PLEASE GIVE US A CALL FOR MORE DETAILS, AND A QUOTATION.

BUSINESS CREDIT INSURANCE

COVERAGE IS AVAILABLE TO PROVIDE ENTITIES WISHING TO PROTECT THEIR ACCOUNTS RECEIVABLE FROM LOSS DUE TO CREDIT RISKS SUCH AS PROTRACTED DEFAULT, INSOLVENCY OR BANKRUPTCY.

BUSINESS INTERRUPTION

BUSINESS INTERRUPTION PROVIDES COVERAGE FOR LOSS OF INCOME AND CONTINUING EXPENSES THAT WOULD OCCUR, SHOULD YOUR BUSINESS BE DAMAGED BY A FIRE OR SOME OTHER INSURED EVENT. THE FOLLOWING ARE THE MAIN TYPES OF BUSINESS INTERRUPTION COVERAGE.

  • PROFITS - PROVIDES INDEMNITY FOR LOSS OF NET PROFITS AND STANDING CHARGES (FIXED EXPENSES) FROM THE DATE OF LOSS THROUGH TO THE TIME THAT SALES ARE RESTORED TO THEIR NORMAL PRE-LOSS LEVEL, SUBJECT TO THE AMOUNT OF INSURANCE AND THE PERIOD OF INDEMNITY (NORMALLY 12 MONTHS).
  • EXTRA EXPENSE - PROVIDES REIMBURSEMENT OF ADDITIONAL EXPENSES THAT INCUR, OVER AND ABOVE YOUR NORMAL EXPENSES, DUE TO THE FACT THAT YOUR BUSINESS MUST CONTINUE TO OPERATE IN SPITE OF THE SERIOUS INTERRUPTION CAUSED BY THE INSURED LOSS, SUBJECT TO THE LIMIT OF INSURANCE.
  • RENTAL INCOME - PAYS FOR THE REDUCTION IN RENTS DIRECTLY RESULTING FROM THE RENTAL PROPERTY BECOMING UNTENANTABLE DUE TO DAMAGE CAUSED BY AN INSURED PERIL, FROM THE DATE OF LOSS THROUGH TO THE TIME THAT YOUR DAMAGED RENTAL PROPERTY HAS BEEN REPAIRED OR REPLACED AND OCCUPANCY CAN RESUME, SUBJECT TO THE LIMIT OF INSURANCE.

WE WOULD BE PLEASED TO PROVIDE A QUOTATION UPON REQUEST.

BY-LAWS - THE HIDDEN HAZARD

“DO YOU REALIZE THAT ZONING AND BY-LAWS PASSED BY YOUR MUNICIPALITY COULD AFFECT YOUR CLAIM?”

YOUR INSURANCE POLICY DOES NOT PRESENTLY PROVIDE COVERAGE FOR THE FOLLOWING BYLAW EXTENSIONS:

  • INCREASE IN COST OF CONSTRUCTION - PROTECTION IS EXTENDED TO INCLUDE ANY INCREASE IN COST OF REPAIRING, REPLACING, CONSTRUCTING OR RECONSTRUCTING THE BUILDINGS OR STRUCTURES DUE TO THE ENFORCEMENT OF ANY
  • BY-LAW, REGULATION, ORDINANCE OR LAW WHICH REGULATES ZONING OR THE DEMOLITION, REPAIR OR CONSTRUCTION OF DAMAGED BUILDINGS OR STRUCTURES, PROVIDING THE LOSS OR DAMAGE WAS CAUSED BY AN INSURED PERIL.
  • VALUE OF UNDAMAGED PORTION OF BUILDING - COVERAGE IS EXTENDED TO INCLUDE LOSS OCCASIONED BY THE ENFORCEMENT OF ANY BY-LAW, REGULATION, ORDINANCE OR LAW WHICH NECESSITATES THE DEMOLITION OF ANY PORTION OF THE BUILDING OR STRUCTURE WHICH HAS NOT SUFFERED DAMAGED BY AN INSURED PERIL.
  • DEMOLITION AND DEBRIS REMOVAL COST - UNDAMAGED PORTION OF BUILDING - PROTECTION IS PROVIDED FOR THE COST OF DEMOLISHING AND CLEARING THE SITE OF ANY UNDAMAGED PORTION OF A BUILDING OR STRUCTURE WHERE SUCH COSTS ARISE OUT OF LOSS OR DAMAGE BY AN INSURED PERIL AND IS THE RESULT OF THE ENFORCEMENT OF ANY BY-LAW, REGULATION, ORDINANCE OR LAW WHICH NECESSITATES THE DEMOLITION.

NOTE: PERMISSION MUST BE GRANTED BY YOUR INSURANCE COMPANY TO ALLOW REBUILDING ON A DIFFERENT SITE, IF YOU, THE INSURED, ARE NOT ALLOWED TO REBUILD ON YOUR PRESENT SITE.

PLEASE GIVE US A CALL TO DISCUSS WHETHER THE PRESENT LIMIT OF INSURANCE IS ADEQUATE TO COVER THESE INCREASED COSTS.

CRITICAL ILLNESS

IF AN OWNER OF THE BUSINESS IS DIAGNOSED WITH A COVERED CRITICAL ILLNESS, IT MAY BE POSSIBLE TO PURCHASE COVERAGE TO PAY THAT YEAR'S ANNUAL PREMIUM. LUMP SUM COVERAGE OPTIONS ALSO AVAILABLE. PLEASE CALL OUR OFFICE TO OBTAIN A NO OBLIGATION QUOTE.

COMPUTER EQUIPMENT

IF YOU HAVE ANY COMPUTER EQUIPMENT, IT IS PRESENTLY INCLUDED IN YOUR CONTENTS COVERAGE ON THE PREMISES. COVERAGE COULD BE PROVIDED ON AN ELECTRONIC DATA PROCESSING RIDER TO INCLUDE MECHANICAL BREAKDOWN COVERAGE AS WELL AS COVERAGE FOR SOFTWARE (MEDIA), AND EXTRA EXPENSE AS REQUIRED. WE WOULD BE PLEASED TO PROVIDE A QUOTATION UPON REQUEST.

CONSEQUENTIAL LOSS

DESTRUCTION OR DAMAGE TO STOCK THAT IS FROZEN OR REFRIGERATED CAN BE COVERED ON YOUR POLICY IF THE CHANGE IN TEMPERATURE WAS THE RESULT OF DAMAGE CAUSED BY A PERIL INSURED AGAINST IN YOUR POLICY. IN ORDER TO ESTABLISH A PREMIUM FOR THIS VALUABLE COVERAGE, PLEASE PROVIDE THE LIMIT REQUIRED.

CONTINGENT BUSINESS INTERRUPTION

COULD YOUR BUSINESS SUFFER LOSS OF INCOME DUE TO LOSS OR DAMAGE TO PROPERTY WHICH YOU DO NOT OWN, LEASE OR OPERATE, BUT WHICH CONTRIBUTES TO YOUR INCOME?

EXAMPLES OF SUCH PROPERTIES WOULD BE:

  • SUPPLIERS OF MATERIALS OR SERVICES NECESSARY TO YOUR BUSINESS;
  • PURCHASERS OF MATERIALS OR SERVICES OF YOUR BUSINESS; AND
  • NEIGHBOURING COMPANIES WHICH ATTRACT POTENTIAL CUSTOMERS TO YOUR BUSINESS, SUCH AS A LARGE CHAIN STORE IN YOUR SHOPPING CENTRE.

WE WOULD BE PLEASED TO PROVIDE A QUOTATION UPON REQUEST.

CONTRACT BONDS

IF YOU SUBMIT TENDERS FOR JOBS, IT IS LIKELY THAT YOU MAY REQUIRE A BONDING FACILITY TO SUPPLY - BID BONDS, AGREEMENTS TO BOND, PERFORMANCE BONDS, OR LABOUR AND MATERIAL BONDS. YOU WILL NEED TO COMPLETE AN APPLICATION AND TO SUPPLY FINANCIAL INFORMATION. PLEASE GIVE US A CALL FOR MORE DETAILS.

CONTRACTOR'S POLLUTION LIABILITY

IS AN ESSENTIAL PART OF AN INSURANCE PROGRAM FOR CONTRACTORS AND TRADES PEOPLE, AS IT PROVIDES A FULL RANGE OF PROTECTION NOT COVERED BY THE GENERAL LIABILITY POLICY. THIS POLICY PROVIDES THIRD PARTY COVERAGE FOR BODILY INJURY, PROPERTY DAMAGE, DEFENCE, AND CLEANUP AS A RESULT OF POLLUTION CONDITIONS ARISING FROM CONTRACTING OPERATIONS PERFORMED OR ON BEHALF OF THE CONTRACTOR. A FEW EXAMPLES OF THE TYPES OF PROJECTS FOR WHICH COVERAGE SHOULD BE PURCHASED ARE: ENVIRONMENTAL REMEDIATION, SITRE RESTORATION AND CLEANUP, ABATEMENT, INFRASTRUCTURE AND CONSTRUCTION.

CYBER THEFT

DO YOU RELY ON COMPUTER NETWORKS TO RUN YOUR BUSINESS. THIS COVERAGE IS DESIGNED TO PROVIDE INFORMATION AND CYBER COVERAGE WHEN A SECURITY BREACH RESULTS IN PRIVACY INJURY; IDENTITY THEFT; NETWORK DAMAGE RESULTING IN THEFT OF OTHERS' INFORMATION IN THEIR CARE, INCLUDING TRADE SECRETS; AND INFECTION OF OTHERS' NETWORKS. PLEASE CONTACT OUR OFFICE FOR A QUOTE.

CRIME

IF YOU HAVE A MONEY EXPOSURE, WE WOULD BE PLEASED TO PROVIDE A QUOTATION.

DIRECTORS' & OFFICERS' LIABILITY

THE POWERS TO MANAGE OR SUPERVISE THE MANAGEMENT OF THE AFFAIRS AND BUSINESS OF A CORPORATION ARE VESTED IN THE DIRECTORS OR THROUGH OFFICERS APPOINTED BY THEM. IN EXERCISING THEIR POWERS, DIRECTORS HAVE ALWAYS EXPECTED TO BE SUED - BY SHAREHOLDERS, EMPLOYEES, GOVERNMENT AGENCIES, DEBTORS, CREDITORS, COMPETITORS, SUPPLIERS, CUSTOMERS, INJURED BYSTANDERS, EVEN FELLOW DIRECTORS. COVERAGE IS AVAILABLE TO PROTECT DIRECTORS AND OFFICERS. A QUOTATION IS AVAILABLE ON REQUEST.

EARTHQUAKE

LOSS OR DAMAGE CAUSED DIRECTLY OR INDIRECTLY BY EARTHQUAKE IS NOT COVERED BY THE STANDARD INSURANCE POLICY. COVERAGE IS AVAILABLE BY SEPARATE ENDORSEMENT AND WE WOULD BE PLEASED TO PROVIDE A QUOTATION UPON REQUEST.

ELECTRONICS ERRORS & OMISSIONS LIABILITY

COMPUTER TECHNOLOGY HAS PROVIDED A NUMBER OF CHALLENGES FOR THE INSURANCE INDUSTRY. PARTICULARLY SO, IN THE PRODUCTION OF “SOFTWARE” MORE SO THAN “HARDWARE”. PRODUCTS LIABILITY AND ERRORS & OMISSIONS COVERAGE ARE ESSENTIAL INGREDIENTS FOR PROPER INSURANCE PROTECTION. HOWEVER, PRODUCTS LIABILITY DOES NOT PROVIDE ERRORS AND OMISSIONS COVERAGE. THEREFORE, WE WOULD BE PLEASED TO PROVIDE AN E&O QUOTATION UPON REQUEST.

EMPLOYEE BENEFIT LIABILITY

COVERAGE COULD BE INCLUDED IN YOUR PROGRAM, TO PAY ALL SUMS WHICH YOU BECOME LEGALLY OBLIGATED TO PAY DUE TO ANY CLAIM MADE AGAINST YOU BY AN EMPLOYEE OR FORMER EMPLOYEE CAUSED BY ANY NEGLIGENT ACT, ERROR, OR OMISSION IN THE ADMINISTRATION OF YOUR EMPLOYEE BENEFIT PROGRAM. WE WOULD BE PLEASED TO PROVIDE A QUOTATION UPON REQUEST.

EMPLOYEE INFIDELITY

COVERAGE CAN BE INCLUDED TO INSURE THE LOSS OF MONEY, SECURITIES OR OTHER PROPERTY SUSTAINED THROUGH ANY FRAUDULENT OR DISHONEST ACTS OF AN EMPLOYEE(S). WE WOULD BE PLEASED TO PROVIDE A QUOTATION UPON REQUEST.

EMPLOYMENT PRACTICES LIABILITY

CLAIMS CAN ARISE FROM A VARIETY OF EXPOSURES INCLUDING DISCRIMINATION (SEX, SEXUAL ORIENTATION, AGE, RACE, MARITAL STATUS, ILLNESS, PHYSICAL APPEARANCE, RELIGIOUS BELIEFS, ETC.), HARASSMENT, ASSAULT, DEMOTION, DEFAMATION, LOSS OF REPUTATION, UNFAIR DISMISSAL AND INFLICTION OF EMOTIONAL DISTRESS AT WORK. EMPLOYERS FACE POTENTIAL AWARDS GRANTED BY BOTH ADMINISTRATIVE TRIBUNALS AND BY COURTS OF LAW.

ENVIRONMENTAL IMPAIRMENT/POLLUTION LIABILITY

YOUR LIABILITY CONTRACT CONTAINS A POLLUTION EXCLUSION. VARIOUS FORMS OF POLLUTION COVERAGE ARE AVAILABLE IN THE MARKETPLACE, DEPENDING ON THE TYPE OF EXPOSURE AND RISK INVOLVED - eg. - SMOKE FROM A HOSTILE FIRE - SPILL OF CHEMICALS INTO A WATER SYSTEM/WATERWAY. AN INSPECTION OF YOUR OPERATIONS AND FACILITIES BY AN INDEPENDENT ENGINEER, MAY BE REQUIRED ALONG WITH THE COMPLETION OF AN APPLICATION. WE WOULD BE PLEASED TO PROVIDE A QUOTATION UPON REQUEST.

EXHIBITION FLOATER

COVERAGE FOR LOSS OR DAMAGE TO PROPERTY YOU WOULD HAVE WITH YOU, ON DISPLAY OR FOR SALE AS AN EXHIBIT OR WHILE AT A TRADE SHOW. THIS WOULD INCLUDE THE ACTUAL DISPLAY AND/OR STOCK & EQUIPMENT THAT YOU HAVE WITH YOU PROMOTING YOUR BUSINESS.

ERRORS & OMISSIONS LIABILITY

THE COMMERCIAL GENERAL LIABILITY WORDING DOES “NOT” PROVIDE BODILY INJURY OR PROPERTY DAMAGE COVERAGE DUE TO THE RENDERING OR FAILURE TO RENDER ANY PROFESSIONAL SERVICES. WE CAN ARRANGE FOR A QUOTATION UPON REQUEST.

FLOOD

LOSS OR DAMAGE CAUSED DIRECTLY OR INDIRECTLY BY FLOOD IS NOT COVERED BY THE STANDARD INSURANCE POLICY. FLOOD INCLUDES WAVES, TIDES, TIDAL WAVES, OR THE RISING OF, THE BREAKING OUT OR THE OVERFLOW OF, ANY BODY OF WATER, WHETHER NATURAL OR MANMADE.

FLOOD DOES NOT INCLUDE:

  • WATER BACKING UP THROUGH SEWERS, SUMPS, SEPTIC TANKS OR DRAINS.
  • WATER SEEPAGE FROM BELOW THE SURFACE OF THE GROUND.
  • SEEPAGE/OVERFLOW OF WATER FROM THE SURFACE OF THE GROUND.

COVERAGE IS AVAILABLE BY SEPARATE ENDORSEMENT AND WE WOULD BE PLEASED TO PROVIDE A QUOTATION UPON REQUEST.

GLASS (RENTING PREMISES)

IF YOU ARE RESPONSIBLE FOR GLASS BREAKAGE IN YOUR LEASE, CONSIDERATION SHOULD BE GIVEN TO ADDING A GLASS RIDER. WE WOULD BE PLEASED TO PROVIDE A QUOTATION UPON REQUEST.

GLASS (BUILDING OWNER)

LIMITED GLASS COVERAGE IS PRESENTLY PROVIDED UNDER YOUR POLICY, HOWEVER, WE RECOMMEND CONSIDERATION BE GIVEN TO ADDING A GLASS RIDER WHICH WOULD PROVIDE BROADER COVERAGE SUCH AS DAMAGE AS A RESULT OF A BREAK-IN, OR ACCIDENTAL BREAKAGE. WE WOULD BE PLEASED TO PROVIDE A QUOTATION UPON REQUEST.

IDENTITY THEFT

THE COSTS ASSOCIATED WITH RECLAIMING YOUR IDENTITY CAN BE QUITE LARGE. SOME OF OUR COMPANIES ARE OFFERING THIS COVERAGE. PLEASE CALLUS FOR MORE DETAILS AND A QUOTATION.

INSTALLATION FLOATERS

AS A TRADE INVOLVED WITH CONSTRUCTION AND INSTALLATION, COVERAGE FOR THE GOODS /MATERIALS INVOLVED WITH THE JOB IS IMPORTANT. AN INSTALLATION FLOATER CAN PROVIDE COVERAGE IN TRANSIT FROM YOUR PREMISES TO THE JOB SITE AND WHILE ON THE JOB SITE UNTIL THE JOB IS COMPLETED AND ACCEPTED BY THE CONTRACT PURCHASER. PLEASE CALL US FOR MORE DETAILS AND A QUOTATION.

MANUFACTURER'S ERRORS AND OMISSIONS LIABILITY

COVERS THE FINANCIAL LOSS SUSTAINED BY THE PURCHASER OF YOUR PRODUCT DUE TO A MANUFACTURING ERROR CAUSED BY YOU.

NON-OWNED AUTOMOBILE

WE WOULD SUGGEST NON-OWNED AUTOMOBILE COVERAGE BE ADDED TO YOUR PROGRAM WHICH WOULD PROVIDE LEGAL LIABILITY PROTECTION AGAINST CLAIMS ARISING OUT OF ACCIDENTS INVOLVING VEHICLES NOT OWNED BY YOU, BUT BEING OPERATED ON YOUR BEHALF.

NON-OWNED AUTOMOBILE (OEF #94 & #96)

COVERAGE UNDER THE NON-OWNED AUTOMOBILE RIDER CAN BE EXTENDED TO INCLUDE PHYSICAL DAMAGE COVERAGE ON NON-OWNED AUTOMOBILES. THIS COVER INSURES YOUR LEGAL LIABILITY FOR PHYSICAL DAMAGE TO VEHICLES NOT OWNED BY YOU, SUBJECT TO THE LIMIT AND DEDUCTIBLE REQUIRED.

COVERAGE CAN ALSO BE EXTENDED TO INCLUDE LIABILITY ASSUMED BY THE INSURED UNDER ANY CONTRACT OR AGREEMENT.

PRESSURE, MECHANICAL & ELECTRICAL

IF YOU HAVE ANY BOILERS, PRESSURE VESSELS, AIR CONDITIONING UNITS OR MISCELLANEOUS ELECTRICAL APPARATUS, WE WOULD BE PLEASED TO PROVIDE A QUOTATION FOR COVERAGE ON THESE ITEMS.

P M & E COVERAGE INSURES FOR SUDDEN AND ACCIDENTAL BREAKDOWN TO PRESSURE, MECHANICAL AND ELECTRICAL EQUIPMENT. BREAKDOWNS INSURED WOULD INCLUDE CRACKING, BULGING, EXPLOSION, MECHANICAL BREAKDOWN AND ELECTRICAL BURNOUT. THIS COVERAGE INSURES BOTH DAMAGE TO EQUIPMENT AND TO OTHER PROPERTY RESULTING FROM THESE TYPES OF BREAKDOWNS. SEPARATE INSURANCE IS NECESSARY BECAUSE THE PROPERTY POLICY EXCLUDES THESE TYPES OF LOSS.

PRIVACY BREACH EVENT EXPENSES

COVERAGE IS NOW OFFERED FOR YOUR BUSINESS AS IT FACES A GROWING NUMBER OF THREATS TO ITS DATA SECURITY. THIS COVERAGE PROVIDES INTERNAL PROTECTION FOR EMPLOYEE ERROR, MISUSE OF MOBILE DEVICES AND OTHER POTENTIAL MINEFIELDS EXPOSING YOUR CUSTOMERS' PERSONAL INFORMATION. IT ALSO PROVIDES EXTERNAL PROTECTION FOR THE THREAT OF HACKER ATTACKS, VENDOR NEGLIGENCE AND OTHER EXPOSURES OF PRIVATE DATA YOU'VE BEEN ENTRUSTED WITH.

PRODUCTS RECALL EXPENSE INSURANCE

GENERAL LIABILITY POLICIES EXCLUDE LOSS TO THE INSURED FROM RECALLING DISTRIBUTED PRODUCTS SUSPECTED OF BEING DEFECTIVE. THIS SPECIALTY COVERAGE INSURES AGAINST THE RISK OF SUCH LOSS. PLEASE CALL OUR OFFICE FOR MORE DETAILS AND A QUOTATION.

RENTED EQUIPMENT

IF YOU HAVE OCCASION TO RENT EQUIPMENT, COVERAGE SHOULD BE ADDED FOR RENTED EQUIPMENT FOR WHICH YOU ARE LEGALLY LIABLE.

RENTAL INCOME

PAYS FOR THE REDUCTION IN RENTS DIRECTLY RESULTING FROM THE RENTAL PROPERTY BECOMING UNTENANTABLE DUE TO DAMAGE CAUSED BY AN INSURED PERIL FROM THE DATE OF LOSS THROUGH TO THE TIME THAT YOUR DAMAGED RENTAL PROPERTY HAS BEEN REPAIRED REPLACED AND OCCUPANCY CAN RESUME, SUBJECT TO THE LIMIT OF INSURANCE.

RENTAL REIMBURSEMENT

COVERAGE COULD BE EXTENDED TO REIMBURSE THE INSURED FOR ACTUAL EXPENSE INCURRED FOR RENTAL OF SUBSTITUTE EQUIPMENT TO REPLACE EQUIPMENT INCLUDED IN THE SCHEDULE OF CONTRACTOR'S EQUIPMENT, WHICH HAS BEEN DAMAGED OR DESTROYED BY AN INSURED PERIL. RENTAL REIMBURSEMENT IS LIMITED TO:

A) THE ACTUAL EXPENSE INCURRED COMMENCING 48 HOURS AFTER THE LOSS OR DAMAGE TO THE INSURED EQUIPMENT; AND

B) THE ACTUAL EXPENSE INCURRED TO REPAIR OR REPLACE THE LOST OR DAMAGE EQUIPMENT WITH DUE DILIGENCE AND PATCH.

SIGN

IF YOU HAVE ANY EXTERIOR SIGNS, THESE SHOULD BE SPECIFICALLY SCHEDULED ON A SIGN FLOATER INDICATING THE VALUE IN ORDER TO PROVIDE PROTECTION.

SEWER BACKUP

CURRENTLY THE STANDARD INSURANCE POLICY EXCLUDES COVERAGE FOR LOSS OR DAMAGE CAUSED DIRECTLY OR INDIRECTLY BY SEWERS, SUMPS, SEPTIC TANKS OR DRAINS. COVERAGE IS AVAILABLE BY SEPARATE ENDORSEMENT AND WE WOULD BE PLEASED TO PROVIDE A QUOTATION UPON REQUEST.

TOOLS & EQUIPMENT

TOOLS AND EQUIPMENT ON PREMISES WOULD BE CONSIDERED PART OF YOUR CONTENTS COVERAGE, HOWEVER, IF ANY TOOLS ARE TAKEN OFF PREMISES, THESE WOULD HAVE TO BE COVERED UNDER A TOOL FLOATER, AND WE WOULD BE PLEASED TO PROVIDE A RATE UPON REQUEST.

TRANSIT/CARGO

IF YOU HAVE AN EXPOSURE TO ANY PROPERTY IN THE COURSE OF TRANSIT, WE WOULD BE PLEASED TO PROVIDE A QUOTATION.

UMBRELLA LIABILITY

UMBRELLA LIABILITY INSURANCE IS DESIGNED TO AFFORD A LAYER OF EXCESS INSURANCE OVER SPECIFICALLY IDENTIFIED PRIMARY GENERAL LIABILITY COVERAGES INCLUDING AUTOMOBILE. TO AN EXTENT THAT THE UMBRELLA COVERAGE IS BROADER THAN THAT OF THE UNDERLYING (PRIMARY) INSURANCE, IT AFFORDS INSURANCE OVER A STIPULATED SELF-INSURED RETENTION, USUALLY $10,000 EACH OCCURRENCE, WITH FULL DEFENSE COST COVERAGE APPLYING IN THE SELF-INSURED AREA. WE WOULD BE PLEASED TO PROVIDE A QUOTATION UPON REQUEST.

VALUABLE PAPERS

PROTECTION IS AVAILABLE FOR YOUR VALUABLE PAPERS AND RECORDS SUCH AS BOOKS, MAPS, FILMS, MORTGAGES, AND MANUSCRIPTS. COVERAGE WOULD BE PROVIDED FOR THE COST OF RESEARCH AND OTHER COSTS NECESSARY TO REPRODUCE, REPLACE OR RESTORE THESE RECORDS.

DESCRIPTION OF COVERAGES & LIMITS ARE IN GENERAL TERMS ONLY, AND POLICY CONDITIONS & LIMITS WILL ALWAYS GOVERN

Does your present policy cover all your needs? With this thought in mind, we would suggest that you read this information regarding possible coverages to add to your existing policy.