Apartment Building Owners

BROADFORM BUILDING COVERAGE

• Increased reconstruction costs due to bylaws
• Accidental breakage of glass and signs
• Vandalism and malicious damage by tenants

BROADFORM CONTENTS COVERAGE

• Optional sewer/sump backup coverage
• Vandalism and malicious damage by tenants

LOSS OF INCOME COVERAGE

• Replaces business income lost as a result of insured damage to property (less expenses which do not continue)

CRIME COVERAGE

• Contents including cash
• Optional coverage for loss resulting from employee dishonesty

PUBLIC LEGAL LIABILITY

• Premises coverage (slip and fall)
• Optional environment pollution damage

Our Service To You

WE'RE YOUR NEIGHBOURS

• We are a local business too!
• Focused on rural and small town Ontario
• 24 hour, 7 day claims service

FOR THE POLICY HOLDER

• Ontario's Farm Mutuals are owned by their policyholders and operate on an insurance at cost philosophy
• Policies are tailored to your needs
• Variable deductibles available

STRENGTH IN COMPANIES

• Ontario's 45 farm Mutuals back each other our own Guarantee Fund and Reinsurance company
• Collectively our system is one of the world's most financially secure networks

LOSS PREVENTION SERVICE

• On site inspections
• Fire extinguisher program
• Theft reduction program