Contractors Package

COVERAGE SUMMARY

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
Contractor’s Extension 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
Installation Floater     
$10,000
Unscheduled Equipment and Tools
$1,000 Any One Tool
$10,000 Aggregate
  • Replacement Cost if 3 years or less  
Included
  • Includes Rental Expense Reimbursement Extension                                 
$5,000
Property of Others for Which the Insured is Legally Liable (Excluding Storage)                      
$10,000
Fine Arts
$25,000
Exhibitions
$25,000
Off Premises Power (48 Hour Waiting Period)
$25,000
Co-insurance Waiver
$50,000
Computer Systems Breakdown                                                                     
$25,000
Unnamed and Temporary Locations                                                           
$25,000
Newly Acquired Locations – 60 Days              
$500,000 Contents
Courier Shipments and Parcel Post                                                             
$5,000
Property in Transit (including Aircraft and Watercraft)                                                                                                                                                                                           
$10,000
Sales Representative                                                                                     
$5,000
Expediting Expenses
$25,000
Accounts Receivable
Maximum Aggregate limit 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
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
Deductible Endorsement (Per Occurrence Basis)
Included
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
Contractor’s Liability Coverage Extension Endorsement:
Crane and Hoist Operator’s Liability (Riggers Liability)
$50,000 Aggregate Limit
Design Errors and Omissions Liability
$15,000 Aggregate Limit
Faulty Work Liability (Rip and Tear)
$15,000 Aggregate Limit
Voluntary Property Damage Expense
$10,000 Aggregate Limit
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 Outside 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
Optional Coverage Available:
Equipment and Tool Floater
  • Unscheduled Tools
Maximum $2,500 per Tool
  • Scheduled Equipment and Tools with Replacement Cost  (if under 5 years old)
As Indicated
  • Newly Acquired Equipment (60 Day Reporting)
$50,000
  • Rented or Leased Equipment Extension     (No Co–insurance)
$50,000
  • Rental Expense Reimbursement
$10,000
Installation Floater
Up to $250,000
  • Includes Property in Transit
Up to Aggregate Limit of Maximum $25,000
  • Includes Unnamed Locations
  • Includes Penalties for Non-compliance
Up to Aggregate Limit of Maximum $5,000
  • Includes Delay in Completion of Contract or its Conditions

Contractors Package

COVERAGE SUMMARY

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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
Contractor’s Extension 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
Installation Floater     
$10,000
Unscheduled Equipment and Tools
$1,000 Any One Tool
$10,000 Aggregate
  • Replacement Cost if 3 years or less  
Included
  • Includes Rental Expense Reimbursement Extension                                 
$5,000
Property of Others for Which the Insured is Legally Liable (Excluding Storage)                      
$10,000
Fine Arts
$25,000
Exhibitions
$25,000
Off Premises Power (48 Hour Waiting Period)
$25,000
Co-insurance Waiver
$50,000
Computer Systems Breakdown                                                                     
$25,000
Unnamed and Temporary Locations                                                           
$25,000
Newly Acquired Locations – 60 Days              
$500,000 Contents
Courier Shipments and Parcel Post                                                             
$5,000
Property in Transit (including Aircraft and Watercraft)                                                                                                                                                                                           
$10,000
Sales Representative                                                                                     
$5,000
Expediting Expenses
$25,000
Accounts Receivable
Maximum Aggregate limit 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
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
Deductible Endorsement (Per Occurrence Basis)
Included
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
Contractor’s Liability Coverage Extension Endorsement:
Crane and Hoist Operator’s Liability (Riggers Liability)
$50,000 Aggregate Limit
Design Errors and Omissions Liability
$15,000 Aggregate Limit
Faulty Work Liability (Rip and Tear)
$15,000 Aggregate Limit
Voluntary Property Damage Expense
$10,000 Aggregate Limit
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 Outside 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
Optional Coverage Available:
Equipment and Tool Floater
  • Unscheduled Tools
Maximum $2,500 per Tool
  • Scheduled Equipment and Tools with Replacement Cost  (if under 5 years old)
As Indicated
  • Newly Acquired Equipment (60 Day Reporting)
$50,000
  • Rented or Leased Equipment Extension     (No Co–insurance)
$50,000
  • Rental Expense Reimbursement
$10,000
Installation Floater
Up to $250,000
  • Includes Property in Transit
Up to Aggregate Limit of Maximum $25,000
  • Includes Unnamed Locations
  • Includes Penalties for Non-compliance
Up to Aggregate Limit of Maximum $5,000
  • Includes Delay in Completion of Contract or its Conditions