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Contractor Insurance

Ayr Farmers Mutual Insurance Company Protects Homes, Farms, Businesses and Vehicles in Ayr, Ontario

As a contractor, you've spent years building your business and perfecting your craft. So have we. We're here to help you protect your property, your equipment, and your personal safety with affordable Contractor Insurance. With comprehensive coverage, competitive rates, valuable discounts and expertise in trades and contracting we have you covered.

Contractor Insurance Policy Coverage

Our Contractor Insurance covers your property, loss of income, crime, and liability. Designed to provide insurance coverage for small-to-medium-sized operations, our Contractor Insurance offers excellent coverage for contractors and subcontractors specializing in services such as like plumbing, electrical, HVAC, renovations, and many others. 

Contractor's Package Policy

Commercial Contractor Policy Advantages

Competitive Coverage & Rates

Our affordable Contractor Policy has been crafted by experts in the insurance industry who are focused on your needs as a tradesperson or contractor.

Discounts for Workshops & Storage Buildings

By offering you some valuable loss prevention tips and preventative measures we can help you save money on your policy for your workshop or storage building.

Expertise in the Industry

Our loss prevention representatives are former tradespeople contractors. Need advice? We’re happy to help.

Did You Know We Provide Certificates of Insurance?

You may be asked to provide proof of coverage by a client, or for a specific job. Contact your Agent or Broker, and they will help you obtain the proper information required and will provide you with an official Certificate of Insurance in a timely manner.

Get a Quote

Types of Coverage

The type of coverage you need depends on your business operations and circumstances. For example, are you renting a location to conduct your business, or do employees use their own vehicle for business purposes? These situations should be considered when thinking about coverage. Coverage may include:

  • Property Coverages
    • Workshop and/or storage building
    • Contents (including stock and/or equipment usual to your business)
    • Tools & Equipment - (blanket coverage for tools & equipment valued under $2,500 and on replacement cost basis, as well as on anything under 5 years old. Any tool worth $2,500 or more is individually scheduled and affordably priced).
    • Installation Floater - (coverage for materials left at a job site that are intended to be installed at that location, and that may be attractive to thieves. For example, copper supply lines or wire).
    • Rental Reimbursement - (coverage for tools and equipment that you may rent from someone else to complete a job).
  • Business Interruption Coverage

    If an insured loss causes your business to temporarily shut down, we provide coverage (up to a specified limit) for lost income until required repairs are complete.

  • Crime Coverage

    What if you, or one of your employees had a deposit stolen while en-route to the bank? Our policies can provide some coverage for these types of unfortunate events.

  • Commercial General Liability Coverages

    These coverages are included with your Contractor's Insurance:

    Bodily Injury & Property Damage

    Coverage for injuries or damages caused to others property caused by your business operations.

    Personal Injury and Advertising Liability

    The financial damages owed and cost to defend you in court when the advertisements or newsletters produced by your company cause others a loss or injury (i.e., libel or slander).

    Medical Payments

    The medical expenses related to an injury caused to another on your premises (rehabilitation costs, for example).

    Tenants Legal Liability

    Damages caused to the property of others if you are renting a location to conduct your business.

    Non-Owned Automobile

    Can provide coverage for accidents involving the personal vehicles of your employees while using their vehicle for business purposes, such as driving to the post office or picking up supplies.

  • Other Coverages

    This optional coverage may also be of interest to you:

    Commercial Auto

    This coverage may be appropriate if you own a work truck or van that is primarily used in your business. If so, you will need to insure that any work trucks or vans on a Commercial Auto Policy. A personal automobile policy does not include coverage for business operations.

Allison's edited copy

Top of page paragraph 

As a contractor, you've spent years building your business and perfecting your craft. So have we. We're here to help you protect your property, your equipment and your personal safety with affordable contractor's insurance with comprehensive coverage, competitive rates, valuable discounts and expertise in trades and contracting. 
 

Main text 

What does a Contractor's Insurance Policy cover?

Our contractor's insurance policies cover your property, loss of income, crime and Liability. Designed to provide insurance coverage for small-to-medium-sized operations, our Contractor's Insurance policy offers excellent coverage for contractors and subcontractors for services like plumbing, electrical, HVAC, renovations and many others. 

Button: See our Contractor's Package Policy (link to sub-page below)

Potential Accordion

Types of Coverage 

The type of coverage you'll need depends on your business operations and circumstances. For example, do you have an office, workshop, or employees who use their own vehicle for business purposes? These should be considered when thinking about which coverage to invest in.

Property Coverages:

  • Workshop and/or storage building
  • Contents (including stock and/or equipment usual to your business)
  • Office Contents (For example, your business computer and printer)
  • Tools & Equipment - Blanket coverage for tools & equipment valued under $2,500 and on replacement cost basis, and on anything under 5 years old. Any tool worth $2,500 or more is individually scheduled and affordably priced.
  • Installation Floater - Coverage for materials left at a job site that are intended to be installed at that location, and that may be attractive to thieves. For example, copper supply lines or wire. 
  • Rental Reimbursement - Coverage for tools and equipment that you may rent from someone else to complete a job.

Business Interruption Coverage:

If an insured loss causes your business to temporarily shut down, we provide coverage (up to a certain limit) for lost income until repairs are complete.

Crime Coverage:

What if you, or one of your employees had a deposit stolen while en-route to the bank? Our policies can provide some coverage for these types of unfortunate events.

Commercial General Liability Coverages Included:

Bodily Injury & Property Damage - Coverage for injury or damages caused to others property by your business operations, products, and injuries that occur on your business’s premises.

Personal Injury and Advertising Liability - The financial damages owed and cost to defend you in court when the advertisements or newsletters produced by your company cause others a loss or injury (example: Libel or Slander).

Medical Payments - The medical-related expenses related to an injury caused to another on your premises (rehabilitation costs, for example).

Tenants Legal Liability - Damages caused to the property of others if you are renting a location to conduct your business.

Non-Owned Automobile - Can provide coverage for accidents involving the personal vehicles of your employees while using their vehicle for business purposes, such as driving to the post office or picking up supplies.

Other Coverages:

These optional coverages may also be of interest to you:

Commercial Auto - This coverage may be appropriate if you own a work truck or van that is primarily used in your business, you will need to insure that work truck or van on a Commercial Auto Policy. A personal automobile policy does not include coverage for business operations.

Callout

Did you know we provide Certificates of Insurance?

You may be asked to provide proof of coverage from a customer, or for a specific job. Contact your Agent or Broker, and they will help you obtain the proper information required and provide you with an official Certificate of Insurance in a timely manner.

Callout

Advantages of our Commercial Contractor's Policy

  • Competitive Coverage & Rates - Our affordable Contractor's Policy coverage has been crafted by experts in the insurance industry who are focused on your needs as a tradesperson or contractor.
  • Discounts for Workshops & Storage Buildings - We can help save you money on your Contractor's Insurance Policy by offering some valuable loss prevention tips and preventive measures that can earn you a discount for your workshop or storage building. 
  • Expertise in the Industry - Including loss prevention representatives who are former trades contractors. Need advice? We’re happy to help.

Sub-Page of Contractor's Insurance:

Contractors Package Policy

Our Contractors Package Policy provides coverage for your Property (including Extensions), Loss of Income, Crime and Liability.

PROPERTY COVERAGE › Eligible Buildings and Contents at Your Premises
• Workshop or Storage Building
• Contents including Stock and Equipment usual to your business operations • Office Contents (excluding Contractors’ Tools and Equipment)
Standard property coverage is on Broad Form with Replacement Cost subject to 90% Coinsurance and a minimum $500 Deductible.

Other coverage may be available to meet your needs including:
• Sewer Backup
• Earthquake
• Equipment Breakdown

Commercial Extensions
Our packages include a variety of extensions of coverage that provide extras for your operations:
Other coverage may be available to meet your needs including:
• Sewer Backup
• Earthquake
• Equipment Breakdown
• Accounts Receivable
• Amended Co-Insurance Clause
• Automatic Fire Suppression System Recharge Expense • Automatic Inflation Protection
• Bailees Coverage for Customers Goods
• Brands and Labels
• Building By-Law and Code Compliance Coverage
• Building Damage by Theft
• Consequential Loss Assumption
• Contingent Loss of Income
• Data
• Debris Removal
• Exhibition Floater
• Extra Expense
• Fine Arts
• Fire Department Expenses
• Glass
• Growing Plants, Trees, Shrubs or Flowers in the Open • Leasehold Interest (Rents)
• Master Key
• Media
• Off Premises Utilities Interruption
• Parcel Post
• Pavement, Sidewalks and Driveways
• Peak Season Stock Increase
• Personal Property of Officers, Employees, Volunteers & Visitors
• Pollution Damage – Insured Premises
• Professional Fees
• Property Temporarily Removed
• Property in Custody of a Sales Representative
• Reward
• Signs
• Transit
• Valuable Papers and Records
• Work Damage to Stock
• Newly Acquired Building and Contents at Newly Acquired Locations • Removal

Floaters › Property Coverage Away From Your Premises
• Contractors’ Tool and Equipment Floater – All Risk, Actual Cash Value, 80% Coinsurance, $500 Deductible
› Blanket limit for items $1,500 or less
› Scheduled coverage for items over $1,500
Endorsements can extend the basic coverage for newly acquired equipment, rented equipment, rental reimbursement, waiver of depreciation and loss of income.
• Installation Floater – All Risk, Actual Cash Value, No Coinsurance, $500 Deductible
› Provides limits for loss at any one location, while in transit and annual aggregate

LOSS OF INCOME
We include Earnings insurance on a no-coinsurance basis for a basic limit which can be increased as needed.

CRIME COVERAGE
We include Money and Securities – Robbery Coverage for losses inside and outside the premises for a basic limit. Higher limits and other types of coverage are available

COMMERCIAL GENERAL LIABILITY
Liability coverage provides protection against allegations of negligence leading to third party bodily injury or property damage as a result of operations. The basic coverage includes:
• A. Bodily Injury and Property Damage
• B. Personal Injury and Advertising Liability • C. Medical Payments
• D. Tenants Legal Liability
• Non Owned Automobile

We offer a variety of additional coverages to tailor the policy to your operations:
• Crane & Hoist Operators’ Liability
• Employee Company Function Extension • Rip and Tear Extension
• Pollution Liability

1. CONTRACTOR’S INSURANCE (Commercial)

About contractor’s Insurance:

Our contractors insurance policies cover your property, loss of income, crime, and Liability. Intended to provide insurance coverage for small to medium operations. Our Contractor’s Insurance policy offers excellent coverage for contractors and subcontractors for services like plumbing, electrical, HVAC, renovations, and many others.

Property Coverages:

Workshop and/or storage building
Contents (including stock and/or equipment usual to your business)
Office Contents (your business computer and printer, for example)
Tools & Equipment - Blanket coverage for tools & equipment valued under $2,500 and on replacement cost basis, and on anything under 5 years old. Any tool worth $2,500 or more is individually scheduled and affordably priced.
Installation Floater (coverage for materials left at a job site that are intended to be installed at that location and that may be attractive to thieves - example copper supply lines or wire)
Rental Reimbursment - coverage for tools and equipment that you may rent from someone else to complete a job.

Ayr Farmers Mutual’s “Automatic Extensions of Coverage” (included)

Your policy will include 38 extra coverages free of charge for your operations. For the full list of included coverages, click here.
This is unique to our company's commercial products. The list is about 38 different ‘extra’ coverages that we provide free of charge.

Business Interruption Coverage:

If an insured loss causes your business to temporarily shut down, we provide coverage (up to a certain limit) for lost income until repairs are complete.

Crime Coverage:

What if you, or one of your employees had a deposit stolen while en-route to the bank? Our policies can provide some coverage for these types of unfortunate events.

Commercial General Liability Coverages Included:

Bodily Injury & Property Damage - can provide coverage for injury or damages caused to others property by your business operations, products, and injuries that occur on your business’s premises.
Personal Injury and Advertising Liability - the financial damages owed and cost to defend you in court when the advertisements or newsletters produced by your company cause others a loss or injury. (example: Libel or Slander)
Medical Payments - the medical related expenses related to an injury caused to another on your premises (rehabilitation costs, for example).
Tenants Legal Liability - damages caused to the property of others if you are renting a location to conduct your business. Non-Owned Automobile - can provide coverage for accidents involving the personal vehicles of your employees while using their vehicle for business purposes such as driving to the post office or picking up supplies.

Certificates of Insurance

You may be asked to provide proof of coverage from a customer, or for a specific job. Contact your Agent or Broker, and they will help you obtain the proper information required and provide you with an official Certificate of Insurance in a timely manner.

Other Coverages that may be of interest to you:

Commercial Auto - if you own a work truck or van that is primarily used in your business, you will need to insure that work truck or van on a Commercial Auto Policy. A personal automobile policy does not include coverage for business operations.

Advantages of our Commercial Contractor’s Policy

Competitive Coverage & Rates - our contractors policy coverage has been crafted by experts in the insurance industry that focus on your needs as a tradesperson or contractor at an affordable price.
Discounts for Workshops & Storage Buildings - we can help save you money on your realty insurance policy by offering some valuable loss prevention tips and preventative measures that can earn you a discount for your workshop or storage building. Expertise in the industry - including loss prevention representatives who are former trades contractors. Need advice? We’re happy to help.

2. Home Based Business (Commercial)

About Home Based Business Insurance:

Starting a small business from home? Planning on having customers visit your property? Unfortunately, your home insurance policy does not cover business operations. Our Home Based Business Policy is a very affordable option that provides coverage for your business contents, loss of income, crime, and business liability.

Property Coverages:

Contents (including stock and/or equipment usual to your business)

Ayr Farmers Mutual’s “Automatic Extensions of Coverage” (included)

Your policy will include 25 extra coverages free of charge for your operations. For the full list of included coverages, click here.
This is unique to our company’s commercial products. The commercial policy is the only one that differs than the others (25 coverages)

Business Interruption Coverage:

If an insured loss causes your business to temporarily shut down, we provide coverage (up to a certain limit) for lost income until repairs are complete.

Crime Coverage:

What if you, or one of your employees had a deposit stolen while en-route to the bank? Our policies can provide some coverage for these types of unfortunate events.

Commercial General Liability Coverages Included:

Bodily Injury & Property Damage - can provide coverage for injury or damages caused to others property by your business's operations, products, and injuries that occur on your business’s premises.
Personal Injury and Advertising Liability - the financial damages owed and cost to defend you in court when the advertisements or newsletters produced by your company cause others a loss or injury. (example: Libel or Slander)
Medical Payments - the medical related expenses related to an injury caused to another on your premises (rehabilitation costs, for example).
Tenants Legal Liability - damages caused to the property of others if you are renting a location to conduct your business. Non-Owned Automobile - can provide coverage for accidents involving the personal vehicles of your employees while using their vehicle for business purposes such as driving to the post office or picking up supplies.

Certificates of Insurance

You may be asked to provide proof of coverage from a customer, or for a specific job. Contact your Agent or Broker, and they will help you obtain the proper information required and provide you with an official Certificate of Insurance in a timely manner.

Other Coverages that may be of interest to you:

Beauty Parlour or Barber Shop Liability - if you operate a salon or barber shop from home, this covers you if you cause accidental bodily injury to one of your customers.
Commercial Auto - if you own a work truck or van that is primarily used in your business, you will need to insure that work truck or van on a Commercial Auto Policy. A personal automobile policy does not include coverage for business operations.

3. Realty Insurance (Commercial)

About our Realty Insurance Program:

Our Realty Insurance program offers property, rental income, crime, and liability coverage for owners of: -Apartment buildings (up to 12 units) and rental properties (single, duplex, triplex, and townhouse) -Commercial Occupancy buildings where the main tenant is either an office or a retail establishment -Retail Plazas
-Rented Condo Units
-Student Rental Properties

Property Coverages:

Building (the physical structure(s) on the premises)
Landlord’s Contents (including stock and/or equipment usual to your rental property)

Ayr Farmers Mutual’s “Automatic Extensions of Coverage” (included)

Your policy will include 38 extra coverages free of charge for your operations. For the full list of included coverages, click here.
This is unique to our company’s commercial products. The list is about 38 different ‘extra’ coverages that we provide free of charge.

Rental Income Coverage:

If an insured loss causes your tenants to relocate, we provide coverage (up to a certain limit) for lost rental income until repairs are complete.

Crime Coverage:

What if you have a rent deposit stolen while en-route to the bank? Our policies can provide some coverage for these types of unfortunate events.

Commercial General Liability Coverages Included:

Bodily Injury & Property Damage - can provide coverage for injury or damages caused to others property caused by your rental operations and injuries that occur on your rental property’s premises.
Personal Injury and Advertising Liability - the financial damages owed and cost to defend you in court when the advertisements produced cause others a loss or injury. (example: Libel or Slander)
Medical Payments - the medical related expenses related to an injury caused to another on your office’s premises (rehabilitation costs, for example).
Tenants Legal Liability - damages caused to the property of others if you are renting your office location.
Non-Owned Automobile - can provide coverage for accidents involving the personal vehicles of your employees while using their vehicle for business purposes such as driving to the post office or picking up supplies.

Other Coverages that may be of interest to you:

Sewer Backup - covers loss or damage to the office building and/or contents caused by the sudden and accidental leakage or escape of water from a sewer, septic tank, septic system, floor drain or sump pit.
Earthquake - covers damages caused by an earthquake to the office building and/or contents (including snowslide, iceslide, and landslide as a result of an earthquake).
Commercial Auto - if you own a vehicle that is primarily used in the operation of your office, you will need to insure that vehicle on a Commercial Auto Policy. A personal automobile policy does not include coverage for business operations.

Advantages of our commercial realty program

Competitive Coverage & Rates - our Realty policy coverage has been crafted by experts in the insurance industry that focus on your needs as a rental and income property owner at an affordable price.
Discounts for commercial buildings - we can help save you money on your realty insurance policy by offering some valuable loss prevention tips and preventative measures that can earn you a discount.
Strong Knowledge of the rental & income property industry - our network of agents and brokers know the rental industry well. Some own rental properties themselves. Need some advice? We’re always happy to help.

4. Retail Insurance (Commercial)

About our Retail Insurance Program:

Our Retail Insurance program offers property, loss of income, crime, and liability coverage for owners of: -Restaurants and bakeries, Beauty parlours and barber shops, Gift stores, clothing stores, and many others!

Property Coverages:

Building (if you are the owner of the building, we insure the physical structure(s) on the premises) Contents (including stock and/or equipment usual to your business)

Ayr Farmers Mutual’s “Automatic Extensions of Coverage” (included)

Your policy will include 38 extra coverages free of charge for your operations. For the full list of included coverages, click here.
This is unique to our company’s commercial products. The list is about 38 different ‘extra’ coverages that we provide free of charge.

Loss of Income Coverage:

If an insured loss causes your retail operation to temporarily shut down, we provide coverage (up to a certain limit) for lost income until repairs are complete.

Crime Coverage:

What if you or one of your employees has a deposit stolen while en-route to the bank? Our policies can provide some coverage for these types of unfortunate events.

Commercial General Liability Coverages Included:

Bodily Injury & Property Damage - can provide coverage for injury to other people or damages caused to their property caused by your retail operations, products, and injuries that occur on your retail property’s premises.
Personal Injury and Advertising Liability - the financial damages owed and cost to defend you in court when the advertisements produced by your retail operation cause others a loss or injury. (example: Libel or Slander)
Medical Payments - the medical related expenses related to an injury caused to another on your retail premises (rehabilitation costs, for example).
Tenants Legal Liability - damages caused to the property of others while you are renting a location to operate your retail business.
Non-Owned Automobile - can provide coverage for accidents involving the personal vehicles of your employees while using their vehicle for business purposes such as driving to the post office or picking up supplies.

Other Coverages that may be of interest to you:

Sewer Backup - covers loss or damage to your commercial building and/or contents caused by the sudden and accidental leakage or escape of water from a sewer, septic tank, septic system, floor drain or sump pit.
Earthquake - covers damages caused by an earthquake to your building and/or contents (including snowslide, iceslide, and landslide as a result of an earthquake).
Equipment Breakdown - the sudden and accidental failure of equipment resulting in physical damage. Covers the repair costs of the equipment.
Commercial Auto - if you own a vehicle that is primarily used in the operation of your retail business, you will need to insure that vehicle on a Commercial Auto Policy. A personal automobile policy does not include coverage for business operations.

Advantages of our commercial realty program

Competitive Coverage & Rates - our Realty policy coverage has been crafted by experts in the insurance industry that focus on your needs as a rental and income property owner at an affordable price.
Discounts for commercial buildings - we can help save you money on your realty insurance policy by offering some valuable loss prevention tips and preventative measures that can earn you a discount.
Strong Knowledge of the rental & income property industry - our network of agents and brokers know the rental industry well. Some own rental properties themselves. Need some advice? We’re always happy to help.

5. Church Insurance (Commercial)

About our Church Insurance Program:

Our Church Insurance program offers property, loss of income, crime, and the unique liability exposures that the church may face. We are also able to provide coverage for churches that rent a location and do not require coverage for a building.

Property Coverages:

Building (if the congregation owns the building, we insure the physical structure(s) on the premises which include storage buildings, concrete cemetary vaults, and manses)
Contents (including stock and/or equipment usual to a church)

Ayr Farmers Mutual’s “Automatic Extensions of Coverage” (included)

Your policy will include 38 extra coverages free of charge for your operations. For the full list of included coverages, click here.
This is unique to our company’s commercial products. The list is about 38 different ‘extra’ coverages that we provide free of charge.

Loss of Income Coverage:

If an insured loss causes your church to temporarily shut down, we provide coverage (up to a certain limit) for lost income until repairs are complete.

Crime Coverage:

What if you or one of the congregants have a deposit stolen while en-route to the bank? Our policies can provide some coverage for these types of unfortunate events.

Commercial General Liability Coverages Included:

Bodily Injury & Property Damage - can provide coverage for injury or damages caused to others property by your church’s operations, products, and injuries that occur on the church premises.
Personal Injury and Advertising Liability - the financial damages owed and cost to defend you in court when the advertisements or bulletins produced by your church cause others a loss or injury. (example: Libel or Slander)
Medical Payments - the medical related expenses related to an injury caused to another on your church’s premises (rehabilitation costs, for example).
Tenants Legal Liability - damages caused to the property of others while you are renting another location to hold church services.
Non-Owned Automobile - can provide coverage for accidents involving the personal vehicles of your employees while using their vehicle for church purposes such as driving to the post office or picking up supplies.

Other Coverages that may be of interest to you:

Church Counselling Liability - professional errors & omissions coverage for pastoral counselling services.
Sewer Backup - covers loss or damage to the church building and/or contents caused by the sudden and accidental leakage or escape of water from a sewer, septic tank, septic system, floor drain or sump pit.
Earthquake - covers damages caused by an earthquake to the church building and/or contents (including snowslide, iceslide, and landslide as a result of an earthquake).
Commercial Auto - if you own a vehicle that is primarily used in the operation of your church (ie. a youth group van), you will need to insure that vehicle on a Commercial Auto Policy. A personal automobile policy does not include coverage for business operations.

Advantages of our church program

Competitive Coverage & Rates - our church policy coverage has been crafted by experts in the insurance industry that focus on your needs as a congregation at an affordable price.
Discounts for commercial buildings - we can help save you money on your church insurance policy by offering some valuable loss prevention tips and preventative measures that can earn you a discount.

6. Office Insurance (Commercial)

About our Office Insurance Program:

Our Office Insurance program offers property, loss of income, crime, and the unique liability exposures that your office may face.

Property Coverages:

Building (if you own the building, we insure the physical structure(s) on the premises) Contents (including stock and/or equipment usual to your office)

Ayr Farmers Mutual’s “Automatic Extensions of Coverage” (included)

Your policy will include 38 extra coverages free of charge for your operations. For the full list of included coverages, click here.
This is unique to our company’s commercial products. The list is about 38 different ‘extra’ coverages that we provide free of charge.

Loss of Income Coverage:

If an insured loss causes your office to temporarily shut down, we provide coverage (up to a certain limit) for lost income until repairs are complete.

Crime Coverage:

What if you or one of your employees have a deposit stolen while en-route to the bank? Our policies can provide some coverage for these types of unfortunate events.

Commercial General Liability Coverages Included:

Bodily Injury & Property Damage - can provide coverage for injury or damages caused to others property by your office’s operations, products, and injuries that occur on your office premises.
Personal Injury and Advertising Liability - the financial damages owed and cost to defend you in court when the advertisements or newsletters produced by your company cause others a loss or injury. (example: Libel or Slander)
Medical Payments - the medical related expenses related to an injury caused to another on your office’s premises (rehabilitation costs, for example).
Tenants Legal Liability - damages caused to the property of others if you are renting your office location.
Non-Owned Automobile - can provide coverage for accidents involving the personal vehicles of your employees while using their vehicle for business purposes such as driving to the post office or picking up supplies.

Other Coverages that may be of interest to you:

Sewer Backup - covers loss or damage to the office building and/or contents caused by the sudden and accidental leakage or escape of water from a sewer, septic tank, septic system, floor drain or sump pit.
Earthquake - covers damages caused by an earthquake to the office building and/or contents (including snowslide, iceslide, and landslide as a result of an earthquake).
Commercial Auto - if you own a vehicle that is primarily used in the operation of your office, you will need to insure that vehicle on a Commercial Auto Policy. A personal automobile policy does not include coverage for business operations.

Advantages of our office program

Competitive Coverage & Rates - our office insurance policy coverage has been crafted by experts in the insurance industry that focus on your needs at an affordable price.
Discounts for commercial buildings - we can help save you money on your office insurance policy by offering some valuable loss prevention tips and preventative measures that can earn you a discount.

Insurance That Works As Hard As You

Please contact us and Get Started Today! One of our agents will work steadfastly to provide you with the information you need. Just shopping around? No problem! Our agents are happy to help provide you with information, so you can make the best decision—For You.

Get Started Today

(519) 632-7413 Contact