Portage Mutual Insurance has proudly been providing insurance protection to Canadians since 1884. Our business is all about getting you back on track after experiencing an unexpected loss. Our long history of providing insurance protection has taught us that customers need fast, fair, and personalized service during these challenging times.

We have designed our Office Pro policy as an all-in-one protection package to incorporate the coverages required for office settings and business owners. The package is designed to be flexible to allow for coverage customization in an effort to meet your unique insurance needs.

We believe insurance is a local matter, which is why we distribute our products through more than 600 local insurance brokers across Canada. Their knowledge and expertise allows them to fully understand your insurance needs, which is critical when arranging insurance protection for your business.

Please see your insurance broker to obtain a professional assessment of your insurance needs as well as an explanation of the benefits of choosing Office Pro as your insurance protection plan.

Property

• POED Broad Form, Replacement Cost
• Stated Amount or 90% Co-Insurance
• 2%/$10,000 Co-Insurance Waiver
• Same Site Requirement Deletion Endorsement
• Electrical & Mechanical Breakdown - Option 3

Crime

• Employee Dishonesty Coverage - Form A
• Loss Inside Premises Coverage
• Loss Outside Premises Coverage
• Money Orders/Counterfeit Paper Currency
• Depositors Forgery Coverage
• Credit Card Forgery
• Computer Fraud

Liability

• Commercial General Liability Occurrence Basis
• Tenant’s Legal
• Personal and Advertising Injury
• Medical Payments
• Employees as Additional Insured
• Incidental Medical Malpractice
• Cross Liability
• Broad Form Property Damage
• Blanket Contractual Liability
• Non-Owned Auto
• S.E.F. 94, 96, 99
• Elevator Collision
• Employee Benefits Liability Extension
• Employers Liability
• Contingent Employers Liability
• Broad Form Completed Operations

Property Enhancement

• Automatic Fire Suppression System Recharge Expense
• Fire Department Service Charges
• Seasonal Automatic Increase 25% of Contents
• Business Interruption Actual Loss Sustained Profits/Rental Income Form
• Business Interruption Contingent Liability - Building By-Laws
• Interruption by Civil Authority
• Limited Contingent Business Interruption
(i) Neighbouring Premises
(ii) Contributing/Recipient Property
• Mortgage Rate Protector
• Business Interruption - Newly Acquired Locations
• Business Interruption - Off Premises Service Interruption
• Extra Expense - 100% 1st Month
• Consequential Loss Assumption Including Off Premises Power
• Blanket Glass
• Signs
• Fine Arts
• Professional Fees Including Cost of Preparing Proof of Loss
• Valuable Papers and Records
• Accounts Receivable
• Debris Removal
• Blanket By-Laws
• Clean-Up Expenses for On Premises Pollutants
• Automatic Inflation Protection
• Master Key Coverage
• EDP Equipment, Data, and Media Including In-Transit and Mechanical Breakdown
• Removal
• Property Away From Premises/In-Transit
• Newly Acquired or Newly Constructed Property
• Newly Acquired Building or Addition
• Business Contents at Any Newly Acquired Location
• Newly Acquired Business Contents - Existing Location
• Business Contents in the Custody of Sales Representatives
• Exhibition Extension
• Growing Plants, Trees, Shrubs, or Flowers in the Open
• Personal Effects of Officers, Employees, and Customers
• Reward
• Installation Floater
• Courier or Parcel Post
• Replacement Cost Endorsement
• Same Site Requirement Deletion Endorsement
• Leasehold Interest (Rents)
• Exterior Paving
• Brands and Labels
• Building Damage by Theft

• Business Contents at any Newly Acquired Location
• Newly Acquired Business Contents - Existing Location
• Business Contents in the Custody of Sales Representatives
• Exhibition Extension
• Growing Plants, Trees, Shrubs, or Flowers in the Open
• Personal Effects of Officers, Employers, and Customers
• Reward
• Installation Floater
• Courier or Parcel Post
• Replacement Cost Endorsement
• Same Site Requirement Deletion Endorsement
• Leasehold Interest (Rents)
• Exterior Paving
• Brands and Labels
• Building Damage by Theft

Optional Coverage

• Flood
• Earthquake
• Sewer Back-up
• 3rd Party Extension Endorsement
• Portage Green Endorsement

Because our world turns to the legal system more often than ever before to settle disputes we have created some helpful forms that can assist you in adopting loss prevention and control techniques.

Incorporating the use of such forms can enable you to produce consistent documentation that may help provide some defense from lawsuits brought against you such as a slip and fall claim.

Please ask your Insurance Broker for a supply of these Portage Mutual forms:

• Incident Report Form
• Workplace Inspection Checklist
• Interior Inspection/Maintenance Log Form
• Exterior Inspection/Maintenance Log Form

Consult your Professional Insurance Broker to explain the benefits of purchasing a Retailers Pro coverage package.