We can cover your commercial property in the event of damage caused by fire, theft and vandalism. This includes your buildings’ replacement value, with no obligation to rebuild in the same location in the event of a total loss, as well as your merchandise, equipment and portable equipment.

We offer coverage for damage that may be caused to third parties, including medical expenses, work performed by sub-contractors and rental liability. For example, you’re covered if a client gets injured after accidentally taking a fall on your icy driveway or wet floor.

Your important documents can be covered in the event of theft or deterioration resulting from a loss.

We can cover the loss of earnings and supplemental expenses incurred for resumption of your activities following a covered loss.

Embezzlement resulting directly from any dishonest act committed by an employee can be covered.