Retail Store Insurance Program

BROADFORM BUILDING COVERAGE

• Increased reconstruction costs due to bylaws
• Accidental breakage of glass and signs

EQUIPMENT COVERAGE

• Optional theft coverage
• Optional mechanical breakdown to computers
• Optional sewer/sump back-up

STOCK COVERAGE

• Optional theft coverage
• Market value for stock on shelves
• Damage resulting from change in temperature
• 'Peak Season' coverage automatically increases stock limits up to 25%

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

• Retail store premises (slip and fall)
• Products coverage (All goods you sell)
• Tenants legal liability

Highlights only. Actual policy wordings govern. Coverage availability subject to underwriting eligibility.

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