As a retail business owner, you know the importance of maintaining the best selection and service for your customers. At Portage Mutual, we believe you deserve the best, too. That's why we developed our Retailers Pro policy to specifically meet the needs of retail businesses. Our flexible coverage options and fast, fair claims service make a winning combination.

With Retailers Pro, you can choose from two types of coverage on your business property: Broad Form or Limited Form.

Broad Form Coverage:
With Portage Mutual's Broad Form coverage, your business property, office equipment, contents and records are insured against all risks of direct physical loss or damage.

Limited Form Coverage:
With limited form coverage, your property is insured against direct physical loss or damage caused by the following perils: fire, lightning, explosion, impact by aircraft, spacecraft or land vehicle, riot, vandalism, malicious acts, smoke, leakage from fire protective equipment, wind storm or hail.

Whether you choose Broad Form or Limited Form coverage for your business premises, all Portage Mutual Retailers Pro policies include excellent coverage for:

• replacement cost on property and equipment.
• signs on premises. - "New"
• blanket glass. - "New"
• temporary locations.
• newly acquired locations.
• inflation protection.
• valuable papers.
• consequential loss assumption.
• actual loss sustained (Profits Form) on loss of income.
• extra expense incurred to resume business.
• commercial general liability, including legal liability for tenants.
• loss of money, securities and money orders due to counterfeiting and other crime, including employee dishonesty.

Retailers Pro provides plenty of flexibility for special situations. Your Portage Mutual broker will be happy to explain the many policy extensions and enhanced - limit options available to your business.

Mechanical breakdown of computer equipment. Tobacco and alcohol. Firearms and ammunition. Videos. Extra renovation costs due to building by-laws. Sewer back-up. Optional increased coverage limits for: Accounts Receivable. Loss of valuable papers. Temporary locations. Extra expenses. Loss due to crime. General liability and Employer's liability.

Discounts and deductibles
With Retailers Pro, you can go with the standard $500 deductible, or choose deductibles of $250, $1000 or $2500. lower deductibles result in a modest raise in your annual premium, while higher deductibles will help keep your costs in line. A range of discounts is available, depending on your building and claims history. Here are a few examples:

• Sprinkler Discount: 30 per cent for an automatic sprinkler system, supervised by a central fire station.
• Claims-free Discount: 5 per cent based on a 3-year claims-free status (includes newly established businesses).
• Claims-free Renewal Bonus: an extra 5 per cent upon your policy renewal, if you remain claims-free.