We’ve Got You Covered: Simplified Claim Process for Your Clients

While we hope your clients will never need to file a claim, we are prepared to offer unparalleled support in the unlikely event that they do. At SuperNova, our team of claims experts is dedicated to handling each situation with the utmost efficiency and speed, ensuring your clients can return to their business activities with minimal disruption.

Our Commitment

We take a comprehensive approach to managing claims at SuperNova. Our commitment is to provide exceptional support to our brokers’ clients in the event of a claim. This involves creating a harmonious synergy between claims handling, underwriting, and our SuperNova partners, all aimed at achieving the best possible outcomes in every incident or claim situation.

Our Ultimate Goal

Our ultimate goal is to streamline the investigation, verification, documentation, and fair resolution of claims, focusing on the key objectives for all stakeholders. We’re dedicated to minimizing disruptions and closing claims efficiently and effectively, ensuring mutual fairness to all involved parties.

Ease of Claim Filing with Our Customer Portal

Understanding the need for simplicity and clarity, we have introduced a user-friendly customer portal. This digital platform allows your clients to file claims easily, painlessly, and with full transparency. The portal guides them through each step of the claim process, ensuring a hassle-free experience. It’s our promise to you and your clients – a claim service that delivers with efficiency, fairness, and complete transparency.

Inquire about a Claim

Coverage	Limit of Insurance
Property
Contents of Every Description (Equipment and Stock):	Up to $2,000,000
$1,000 Deductible Ninety Day Cancellation Clause (Except for Non-payment of Premium) Replacement Cost (Building and Contents excluding Stock) Co-Insurance Waiver – $50,000 Sewer Back-up – $5,000 Deductible Flood – $25,000 Deductible Earthquake – 5% or $100,000 Minimum Deductible Personal Property of Officers and Employees Building Damage by Theft Growing Plants, Trees, Shrubs or Flowers in the Open – $500 per Item/$5,000 Aggregate Debris Removal – up to 25% of loss
Business and Persona Services Extensions of Coverage Endorsement:
Building By-laws	Included in Building Limit
Land and Water Pollution Cleanup (First Party)	$10,000 Aggregate
Building Inflation Protection	Determined by Statistics Canada
Glass	As Required
Roadways, Walkways, Parking Lots	Included in COED
Underground Utilities	Included in COED
Land Replacement	Included in COED
Snowslide, Landslide and Subsidence	Included in COED
Confiscation or Seizure of Property	$25,000
Infestation	$25,000
Arson, Burglary, Robbery and Vandalism Reward	$10,000
Environmental Replacement	$50,000
Stock Spoilage	Included in COED
Brands and Labels	Included in COED
Property of Others for Which the Insured is Legally Liable (Excluding Storage)	$10,000
Fine Arts	$25,000
Exhibitions	$25,000
Service Interruption (Physical Damage)	$50,000
Contamination By A Refrigerant	$50,000 Aggregate
Mobile Inventory Management Equipment	$50,000 Aggregate
Goods on Consignment/Deferred Sales	$25,000 Aggregate
Inventory Preparation Costs	$10,000
Penalties for Non-Delivery From Insured Loss	$25,000 Aggregate
Peak Season Increase	+ 25% of “Stock Value” Up to $150,000 Maximum
Installation Floater	$25,000
Unscheduled Equipment and Tools	$1,000 Any One Item $5,000 Any One Loss
Computer Systems Breakdown	$25,000
Inventory Control Systems Software Erasure	$25,000 Aggregate
Unnamed and Temporary Locations	$25,000
Newly Acquired Locations – 60 Days	$500,000 Equipment/Stock
Courier Shipments and Parcel Post	$5,000
Property in Transit (including Aircraft and Watercraft)	$25,000
Sales Representative	$5,000
Expediting Expenses	$25,000
Accounts Receivable	Maximum Aggregate amount of $100,000 per occurrence
Valuable Papers and Records
Extra Expense
Professional Fees
Lock and Key Replacement
Exterior Signs including Street Clocks, Communication Towers, Antennae and Satellite Receivers
Fire Department Service Charges
Fire Equipment Recharge
Business Interruption – Business and Personal Services Extended Business Income Form	Actual Loss Sustained
Interruption by Civil Authority for Insured Premises or Adjacent Premises (4 Consecutive Weeks)	Included
Service Interruption for 90 Consecutive Days (48 Hour Waiting Period)	Included
Contingent Business Interruption for 90 Consecutive Days (Customers/Suppliers in Canada or continental U.S.A.)	Included
Extra Expense	Included
Expediting Expense	Included
Ordinary Payroll (90 Days)	Included
Newly Acquired Locations (60 Days)	Included
Liability – Commercial General Liability – ($1,000 BI/PD Deductible):
Bodily Injury and Property Damage (Per Occurrence)	Up to $5,000,000 Occurrence Limit $5,000,000 General Aggregate Limit
Products and Completed Operations	Included
Personal Injury	Included
Advertising Injury	Included
Employees As Additional Insured	Included
Occurrence Basis Property Damage	Included
Broad Form Property Damage	Included
Blanket Contractual Liability	Included
Extended Bodily Injury	Included
Contingent Employers Liability	Included
Incidental Medical Malpractice	Included
Medical Payments	$10,000 Any One Person $25,000 Per Accident
Intentional Acts for the Protection of Persons and Property	Included
Automatic Coverage on Newly Acquired Locations	Included
Cross Liability	Included
Attached Machinery and Equipment	Included
Canadian Currency Clause	Included
Non-Owned Watercraft (under 8 meters)	Included
Tenants Legal Liability (Broad Form)	$250,000
Vendors’ Liability Extension – Broad Form	Included
Products Recall Expense Extension ($5,000 Deductible)	$100,000 Aggregate Limit
Employee Benefits Liability (Claims Made Form)	$1,000,000 Aggregate Limit
Non-Owned Automobile Liability – S.P.F. No. 6 Includes:	$2,000,000
Legal Liability for Damage to Hired Automobiles Endorsement – S.E.F. No. 94 ($1,000 Deductible)	$50,000
Contractual Liability Endorsement – S.E.F. No. 96	Included
Reduction of Coverage for Lessees or Drivers of Leased Vehicles Endorsement – O.E.F. No. 98B	Included
Excluding Long Term Leased Vehicle Endorsement – S.E.F. No. 99	Included
Crime Comprehensive Dishonesty, Disappearance, Destruction and Forgery:
Employee Dishonesty – Form A (Commercial Blanket Bond)	$10,000
Loss Inside The Premises – Broad Form	$10,000
Loss Inside The Premises – Broad Form	$10,000
Money Orders / Counterfeit Paper Currency	$10,000
Depositors Forgery	$10,000
Credit Card Forgery	$10,000
Securities In Safe Deposit Boxes – Broad Form	$10,000
Newly Acquired Locations – 60 Days	$10,000
Crime Award	$2,500
Expense of Preparing Inventory or Audit	$2,500
Third Party Losses	$2,500

We’ve Got You Covered: Simplified Claim Process for Your Clients

Our Commitment

Our Ultimate Goal

Ease of Claim Filing with Our Customer Portal

Claim Inquiry Form

Business & Personal Services Package

COVERAGE SUMMARY

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