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