(Available to Teachers Training and Business members only)

From fires in B.C. and floods in Nova Scotia, this policy can help therapists to rebuild their business after a loss. Without notice your business could be seriously damaged or in the case of B.C. fires totally wiped out. You can protect your business and your livelihood for less than a dollar a day. We can protect your contents and your income from events such as fire, theft, water damage and more.

The office insurance master policy is written for a term expiring May 1st. The premium charged is based on limit of $40,000 on office contents and the effective month of the policy as outlined. Higher limits of coverage are available for an additional premium.

Examples of actual claims we have paid under this policy:

• theft of money from drawer or cash box
• theft of ghetto blaster & Compact Discs
• water damage from a malfunctioning washing machine
• damage to rented space due to a fire caused by the insured who left a heating pad plugged in
• smoke damage to your unit from a fire in a different unit

$40,000 OFFICE CONTENTS OF EVERY DESCRIPTION(including furniture, equipment, tenants improvement and other property owned by the insured or for which the insured is legally liable including a maximum of $1,000 in retail stock held for sale.)

ALL RISKS of physical loss or damage.

NEW REPLACEMENT COST

$500 DEDUCTIBLE per occurance(In Ontario only includes sewer backup subject to $2500 deductible) Excludes laptop computers used off premises (If you require a quote for this, please ask)

ADDITIONAL COVERAGES INCLUDED IN POLICY

• $25,000 Extra Expense
• $10,000 Valuable papers
• $10,000 Acc'ts Receivable
• $5,000 Property off Premises*
• $5,000 Property in Transit*
• $5,000 Debris Removal
• $5,000 Fire Department
• $500 on Money, Cheques, Stamps
• 5% of contents limit on personal property of employees
• Exterior Glass and Exterior Signs
• $2,500 on Building Damage by Theft
• (* Transit and Off Premises Coverages would provide protection for a table you would take for an off site treatment)
• $50,000 BUSINESS INTERRUPTION INSURANCE(loss of income)

CRIME INSURANCE

• $5,000 employee dishonesy
• $5,000 on premises robbery
• $5,000 outside robbery
• $5,000 depositors forgery
• $5,000 money orders & conterfeit paper currency

LIABILITY INSURANCE (Excludes Professional Liability)

• $2,000,000 Advertising Injury Liability
• $2,000,000 Commercial General Liability
• $2,000,000 Personal Injury Liability
• $2,000,000 Non-owned Automobile Liability
• $100,000 Tenants legal liability
• $2,500 Medical Expenses

Price List

May to May - $250
June to May - $250
July to May - $250
August to May - $187.50
Sept. to May - $187.50
Oct. to May - $187.50
Nov. to May - $125.00
Dec. to May - $125.00
Jan. to May - $125.00
Feb. to May - $62.50
March to May - $62.50
April to May - $62.50

Email us for your application.

*Further details are available on request