Coverage highlights include:

 

Full Replacement Cost on all structures for updated risks less than 50 years of age

Replacement Cost on Contents

Loss of Business Income

Restaurant Liability

Scheduling for special items of Personal Property

Equipment Breakdown

Host Liquor Liability

Fair Rental Value with no limitation on a per room basis

Property Extension Endorsement increased limits for:

Accounts receivable

Employee dishonesty

Monies & securities

Outdoor property

Personal property of others

Property in transit

Property off premises

Spoilage

Valuable papers & records (other than electronic data)

Available Credits for Association, Protection Device, Deductible, Rene

 

ARCHITECTS & ENGINEERS

 

Coverage highlights include:

 

Architects and Engineers liability provides protection to design professionals and their firms against claims alleging design flaws and/or defects resulting from rendering professional services to a third party.

 

Architects, interior designers, landscape architects, construction managers, acoustical engineers, civil engineers, land surveyors, electrical engineers, mechanical engineers, HVAC engineers, plumbing engineers, fire protection engineers, structural engineers, and traffic engineers.

 

Coverage highlights include:

 

Comprehensive packages

Replacement cost NB - units 2 model years or newer

Accessory coverage - standard $3,000, ATV $100

Helmet collision

Travel loss reimbursement

Multi-unit discount

Motorcycle driver training discount

Various payment options

Fast & reliable claims service

Liability limits up to 250/500

Transfer discount

Roadside assistance

Passenger liability not available on ATVs

Snowmobile coverage highlights include:

 

4 units on one policy

Broad eligibility

Simplified online rating

Liability only

Liability + comprehensive

Liability + comprehensive & collision

Out of state & Canadian coverage

Discounts available

 

Coverage highlights include:

 

Broad definition of professional services

Coverage for claims arising out of personal injury and advertising liability in the performance of professional services

Insolvency coverage

Copyright infringement coverage

Punitive and exemplary damages (where applicable by law)

 

TRUCKING

&MOTOR TRUCK CARGO

 

Coverage highlights include:

 

CARGO -

Primary Motor Truck Cargo

Excess Motor Truck Cargo

Contingent Cargo

Transportation floater

 

TRUCKING -

Auto Liability, General Liability, Physical Damage, Cargo

MCS-90 (when required) and Broadened Pollution Coverage

Expanded Towing Coverage

Finance “Gap” Coverage

Personal Effects Coverage

Down Time Coverage

Unladen Liability Coverage available

Electronic Equipment Coverage

Debris Removal

Earned Freight

Broadened Reefer Breakdown

Prompt issuance of FHWA and other filings

24/7 Claim staff dedicated exclusively to truck claims

Vanishing deductible

Single deductible for combined physical damage and cargo losses

Preferred pricing for experienced drivers, clean driving records, accident-free driving history, verifiable prior insurance, and newer vehicles