Business Property and Liability Insurance

This coverage has been specifically designed for Osteopaths who own their own clinic and want to insure their business property and commercial general liability.

Clinic Property Insurance coverage highlights

Blanket Coverage on Contents of Every Description upto $100,000 (including computer and related material).

$100,000 (including computer and related material).
Subject to a $500 deductible
Featuring: Included at no extra cost:
• “All Risks” Form
• 90% Co-Insurance Clause
• Replacement cost on Equipment
• Tenants Improvements
• Business Interruption
• $10,000 Extra Expenses to resume operations
• $50,000 Valuable Papers
• $50,000 Accounts Receivable
• Newly-Acquired Location
– Contents $250,000
– Building $1,000,000
• $10,000 Transit Coverage
• $10,000 Fire Department Charges
• Sewer Back-up
• Glass/Signs Included
• $5,000 Off -Premises Coverage
• Building Damage by Theft

Multi-Item Crime Insurance
Covering up to $10,000 per item
Including:

• Employee Dishonesty
• Loss Inside The Premises
• Loss Outside The Premises
• Money Order and Counterfeit Paper Currency
• Depositors Forgery

Commercial General Liability (Third Party Public Liability)
Inclusive Limit for Bodily Injury and Property Damage: up to $5,000,000 per occurrence Including:

• • Products Liability
  • Premises/Operations Liability
  • Personal Injury Liability including Libel and Slander
  • Advertising Injury Liability
  • Broad Form Bodily Injury
  • Cross Liability Clause
  • Medical Payments ($5,000/Person)
  • Non-owned Automobile Liability
  • Employee Benefits ($1,000,000 limit)
  • Employees as Additional Insureds
  • Broad Form Tenants Legal Liability
  • Physical Damage to Hired Non-owned Automobiles
  • Property Damage Deductible ($500)

Contact:

Mark Holman B.A., CAIB, RIB(Ont.)
Vice President