We need your permission to contact you regarding your incomplete orders. If for some reason you don't complete your order, we want to be able to contact you and make sure that you are understanding your quote clearly and to see if there are any ways that we can help. We can't do this unless you check "Yes" to this question.
Your estimated gross annual revenues figures are used to rate the premium for your policy. We use this estimate to help generate the premium charged. This information is kept private.
Please list the name of the person who will be responsible for the administration of your insurance policy. In the event of any news or changes to the policy, this will be the person that we will contact.
Please note that the person who is listed as the applicant will become the Named Insured on the policy.
The Named Insured has special rights and duties. These rights and duties are explained in General Rules of the policy wording.
If you are applying as an individual, please list your full legal name in the Applicant’s name box.
Partnership or Joint Venture
If you are applying as a Partnership or Joint Venture please list the full legal name for yourself, your partners or co-venturers.
Trade Name/Unincorporated Company
If you are applying as a company that is not incorporated please list your full legal name and your unincorporated company name by including the acronym dba (doing business as). An example of how to correctly list your name in this scenario is below:
Jane Doe dba ABC Industries
If you are applying as a Corporation, please list the full legal name of your corporation including the company’s designation (i.e. Inc. Ltd, Corp.)
This is the date that you would like your coverage to start. Make sure it is within 30 days from now.
All office contents of every description used in the conduct of the Insured business or profession that remain at the insured location.
Please note, this policy does not insure property at locations which are known by the “Insured” to be vacant, unoccupied or shut down for more than thirty (30) consecutive days.
Your insured address is where your business contents are located and where the majority of your business operations are done.
If you want any mail correspondence to be sent to an address other than your insured address, please include a separate mailing address.
There are various deductibles under a Workplace policy. The deductible will depend on the coverage. E.g., the deductible for theft of office property is $500. (subject to change) For a complete list of the applicable deductibles, reference the PDF proposal that you can download at the end of the online application, prior to completing purchase.
Tenants Legal Liability (TLL) covers you (the insured) for legal liability in cases where the tenant causes damage to the rented property. If you rent a portion of an office in a building and you have a fire, then your TLL will cover the damages to the area you occupy.
It is important that you have a good idea of the reconstruction cost of the area that you are renting and purchase TLL coverage that would cover these reconstruction costs. If your TLL is $1,000,000 and damages exceed that amount, then you could find yourself facing a financial burden.
These are permanent additions or changes made to a building by a lessee at his or her own expense that may not legally be removed. If you have made these types of improvements to your office it will be your responsiblity to insure these improvements.
For example if you added some permanent cabinetry to your office space that were not provided by the landlord, you should be insuring these improvements under tenants improvements. Your landlord will expect you to have your own coverage for this.
The endorsement covers the Insured's legal liability for damage to or loss of hired automobiles as defined in the policy.
This is an extension of business interruption coverage. It provides coverage for the total amount of payroll expenses for all the employees of an insured business. This does not include payroll for executives, contract employees, officers of the company, and department managers. Please note that this is not included under business interruption coverage unless the ordinary payroll coverage is included.
|Coverage - Section 1||Limit of Liability|
|Brands and Labels|
|Building Damage by Theft|
|Environmental (Green) Update|
|Fire and Police Department Service Charges|
|Fire Suppression Recharge Expenses|
|Personal Property of Officers, Employees & Volunteers|
|Proof of Loss and Inventory Preparation Expense|
|Replacement of Locks and Keys|
|Tenant's leasehold interest - rents|
|Valuable Papers and Records, Computer Data|
|Coverage - Section 2||Limit of Liability|
|Accrued Storage Charges|
|Arson and Theft Reward|
|Consequential Loss - off premises service interruption|
|Contents at Insured or Insured's Employee's Residence|
|Contents at Other than Specified Locations|
|Contents Temporarily Away from Premises|
|Deferred Payment Plan Stock|
|Fines, Damages or Penalties for Breach of Contract|
|Mobile Inventory Management Equipment|
|Mortgage Rate Guarantee|
|Moulds and Patterns|
|Property in Custody of Sales Rep|
|Coverage - Section 3||Limit of Liability|
|Breakdown of Refrigeration of Heating Equipment on a Vehicle||$5,000.|
- Value of undamaged portion
- Demolition cost
- Increase cost of construction
10% / $1,000,000.
|Catch all clause||$25,000|
|Condominiums- Common elements contents or common area contents||$50,000|
|Condominiums-Property in Custody||$2,500/$50,000|
|Condominium-Unit Owners Additional Coverages|
|a) Contingent condominium unit coverage||$125,000|
|b) Special loss assessment||$125,000|
|c) Betterments and improvement||$50,000|
|Confiscation or Seizure of Property||$2,500.|
|Consequential Loss - On Premises||Included|
|Construction of additions, extensions, alterations and repairs||$100,000|
|Crane Operator's Coverage||$5,000.|
|Debris Removal Expenses||10%/$1,000,000|
|Growing Plants, Trees, Shrubs, Lawns or Flowers||$25,000|
|Land and Water Pollutant Clean Up Expenses (Aggregate)||$25,000|
|Money and Securities||$1,000|
|Newly Acquired Contents-30 Days||$50,000 Equipment
|Newly Acquired Locations - Buildings and Contents-90 Days||$500,000 Building/$500,000 Contents|
|Office Business Contents||$5,000|
|Peak Season Increase||25%|
|Property in Transit||$10,000|
|Property Leased, Rented or Loaned||$10,000|
|Removal (incl. in TIV)||60 days|
|Roadways, Walkways and Parking Lots||$50,000|
|System Software Erasure (Aggregate)||$5,000|
|Unscheduled Tool Floater||$5,000|
|Warehouseman's Legal Liability||$10,000|