Business Insurance

Buildings

• All risk coverage (subject to exclusions)
• Replacement cost endorsement
• 80% co-insurance
• Exterior glass and signs included
• By-laws endorsements
• Damage to building by burglary: $5000
• Sewer back-up

Business Contents

• All risk coverage (subject to exclusions)
• Replacement cost
• 80% co-insurance
• Employee dishonesty: $100,000
• Money and securities: $ 10,000
• Valuable paper coverage: $ 100,000
• Accounts receivable: $ 100,000
• Off-premises coverage: $ 50,000
• Drug spoilage coverage: $10,000
• Loss or injury to animals

Income – Business Interruption

Covers actual loss up to 12 consecutive months with -

• Up to $ 750,000
• Professional fees: $ 25,000
• Extra expenses to continue operations

Property Enhancements - Available for additional premium

• Accounts receivable: increased limits
• Valuable paper: increased limits
• Equipment outside North America 

Liability

Coverage includes $2,000,000 limit of liability:

• Bodily injury and property damage
• Products and completed operations
• Blanket contractual liability for written contracts
• Host liquor liability
•  “Broad form” tenants legal liability coverage
• Personal injury coverage
• Advertising liability
• Premises medical payments
• Employers liability
• Employees as additional insureds
• Employee benefits liability
• Non-owned automobile

Professional Malpractice

• Covers legal liability including defence costs for injury or death caused by an act or omission in the performance of professional veterinary services
• $ 1,000,000 limit of liability
• Higher limits available

Liability Enhancements - Available for additional premium

• Increased liability limit
• Voluntary compensation
• Embryo liability

Legal Expense

• For discipline, misconduct, or complaints involving the provincial licensing body.