As a business owner, you know the importance of maintaining the best selection and service for your customers. Likewise at Portage Mutual, we believe you deserve the best selection and service.

For that reason, we have developed our Retailers Pro that incorporates a combination of coverages. Realizing each retail business is unique, we have designed our product to provide the protection that meets the specific needs of a variety of retail businesses.

Retailers Pro is backed by our superior, fast, fair claims service which is what you should expect from a company that has been insuring Canadians since 1884.

We believe insurance is a local matter which is why we utilize over 500 independent local insurance brokerages to distribute our products across Canada. Their knowledge and expertise allows them to fully understand your insurance needs which is critical in choosing the proper insurance coverage for your business.

In addition to traditional retail business we provide professional liability coverage for the following professions: Audiologists, Funeral Homes/Funeral Director, Veterinarians/Animal Hospitals, Pharmicists/Drug Stores, Beauty salons, and Aestheticians.

Property

• POED Broad Form, All Risk, 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
• 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
• Professional Liability Extension

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 Actual Loss Sustained 12 months
• 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
• Retailer's Product Impairment
• Extra Expense - 100% 1st month
• Consequential Loss Assumption Including Off Premises Power
• Blanket Glass
• Signs
• Fine Arts
• Professional Fess including Cost of Preparing Proof of Loss
• Valuable Papers and Records
• Accounts Receiveble
• 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, 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.