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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 the Workplace policy. The deductible will depend on the coverage. For example, the deductible for theft of office property is $500. 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.
You can download a sample copy of the Commercial Package Policy and Commercial General Liability Policy. These policies detail all of the coverages, limits, and exclusions that can be included in the policy.
Note: each policy purchased will be specific to your application and may differ from these sample policies. These policies are only meant as a sample and do not represent the final policy you will purchase.
Equipment breakdown insurance covers the sudden and accidental, physical damage to equipment that requires its repair or replacement. It applies to equipment in the following categories:
- Air Conditioning and Refrigeration
- Boiler and Pressure Vessel
- Computer and Communications
- Renewable and Alternative Energy
- Production Systems
The Workplace policy does not cover loss or damage caused by:
- Electrical arcing (A luminous discharge of current that is formed when a strong current jumps a gap in a circuit or between twoelectrodes)
- Mechanical breakdown, and
- Explosion of boilers and pressure vessels
You will need to purchase an equipment breakdown policy to cover these types of exposures.
This provides coverage for Liability of an employer for an error or omission in the administration of an employee benefit program, such as failure to advise employees of benefit programs.
This coverage extends to crime losses that are not insured under the basic Workplace policy. Briefly described, commercial crime insurance covers money, securities and other property against a variety of criminal acts, such as employee theft, robbery, forgery, and computer fraud.
This coverage is designed to protect against all sums that the insured shall become legally obligated to pay for bodily injury, property damage or personal injury to third parties arising out of your business operations. It includes the cost of a lawyer to defend you.
This policy excludes liability arising out of the use of motor vehicles, aircraft (including UAV and drones) or watercraft.
The commercial general liability also includes coverage for tenant legal liability (coverage for your professionally used rented premises) in the amount of $1,000,000. Employers Liability (Canadian employees only) and Non-Owned Auto Liability are also included with a $1,000,000 limit. The commercial general liability / tenant legal liability coverages would not apply to personal residence or any activities outside of those of professional operations.
This policy is subject to the Field of Entertainment endorsement.
This is a form of insurance coverage that replaces business income lost as a result of an event that interrupts the operations of the business. The coverage provided under this policy is a Profits Form. This means that the coverage continues to pay benefits until your business returns to its normal, pre-interruption level, up to your policy limits. There is a 24 hour deductible applied to this coverage. Please also note that coverage will conclude 12 months after the insured damage has occurred.
A person or organization not automatically included as an insured under an insurance policy who is included or added as an insured under the policy at the request of the named insured. A named insured's impetus for providing additional insured status to others may be a desire to protect the other party because of a close relationship with that party (e.g., wanting to protect church members performing services for the insured church) or to comply with a contractual agreement requiring the named insured to do so (e.g., project owners, customers, or owners of property leased by the named insured).
In liability insurance, additional insured status is commonly used in conjunction with an indemnity agreement between the named insured (the indemnitor) and the party requesting additional insured status (the indemnitee). Having the rights of an insured under its indemnitor's commercial general liability (CGL) policy is viewed by most indemnitees as a way of backing up the promise of indemnification. If the indemnity agreement proves unenforceable for some reason, the indemnitee may still be able to obtain coverage for its liability by making a claim directly as an additional insured under the indemnitor's CGL policy.
In property insurance, additional insured status is most often used in conjunction with a premises lease agreement between the named insured as the lessee and the owner of the leased building, in which the insured tenant is required to purchase insurance on the leased building and name the building owner as an additional insured on the insurance policy with respect to the leased building.