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When You Insure
With a Mutual...
You're Protected
By The Best.
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Our Mutual Retail Insurance Program
Provides These Options
| BROADFORM BUILDING COVERAGE |
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Replacement cost |
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Increased reconstruction costs due to bylaws |
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Accidental breakage of glass and signs |
| EQUIPMENT
COVERAGE |
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Replacement Cost |
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Optional theft coverage |
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Optional mechanical breakdown to computers |
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Optional sewer/sump back-up |
| STOCK COVERAGE |
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Optional theft coverage |
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Market value for stock on shelves |
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Damage resulting from change in temperature |
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'Peak season' coverage automatically increases
stock limits
up to 25% |
| LOSS OF INCOME COVERAGE |
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Replaces business income lost as a result of insured
damage to property (less expenses which do not continue) crime
coverage |
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Contents including cash |
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Optional coverage for loss resulting from employee
dishonesty |
| PUBLIC LEGAL LIABILITY |
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Retail store premises (slip and fall) |
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Products coverage (All goods you sell) |
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Tenants legal liability |
Our Service To You
| WE'RE YOUR NEIGHBOURS |
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We are a local business too! |
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Focused on rural and small town Ontario |
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24 hour, 7 day claims service |
| FOR THE POLICYHOLDER |
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Ontario's Farm Mutuals are
owned by their policyholders and operate on an insurance
at cost philosophy |
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Policies are tailored to
your needs |
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Variable deductibles
available |
| STRENGTH IN COMPANIES |
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Ontario's farm Mutuals back each other through our
own Guarantee Fund and Reinsurance company |
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Collectively our system is
one of the world's most financially secure insurance networks |
| LOSS PREVENTION SERVICE |
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On-site inspections |
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Fire extinguisher program |
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Theft reduction program |
Highlights only. Actual policy wordings govern. Coverage
availability subject to underwriting eligibility.
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