Health Services Package
COVERAGE SUMMARY
Coverage
|
Limit of Insurance
|
Property
|
|
Contents of Every Description (Equipment and Stock)
|
Up to $2,000,000
|
|
|
Health 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 – Health 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
|
|
$50,000
|
|
Included
|
|
Included
|
|
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
|
Health Services Package
COVERAGE SUMMARY
For a better view of our service offer on the web, please rotate your phone to a horizontal position.
Coverage
|
Limit of Insurance
|
Property
|
|
Contents of Every Description (Equipment and Stock)
|
Up to $2,000,000
|
|
|
Health 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 – Health 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
|
|
$50,000
|
|
Included
|
|
Included
|
|
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
|