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It is as important today as it was when we began over 100 years ago, and it is part of what makes Portage Mutual customers so loyal. Over the years, we’ve built a reputation as one of the most responsive property and casualty insurers in Canada. Our new Business At Home Coverage shows you why.
Business At Home Coverage is available to businesses operated from your primary residence. It is offered as an extension to your Homeowner, Tenant, Condominium or Farm Homeowners policy. Coverage will be either All Risk or Broad Named Perils, depending on your residential policy.
Blanket coverage is provided for all business property on your premises, including tools, books, papers, office furniture, computer hardware and software and merchandise.
Off-premises blanket coverage is provided to a limit of $5,000 for all business property. Loss due to theft and accidental destruction is covered to a limit of $1,000 for securities and $300 for money.
You choose the level of coverage that best suits your business needs:
Extra expense: provided to a limit of $2,500.
Liability Options: standard policy liability limit, with options to increase as required. Your Business At Home liability limit must be the same as your residential policy limit.
Professional liability for hairdressers: available on a per operator basis.
Deductible: same as your principal residence policy.
Claims-free Discount: will be applied to the Business At Home premiums if the principle residence policy is also loss free.
Coverages and limits are subject to change. This is a general description of coverages. Actual policy
conditions govern.
For a complete description of coverages please
consult your insurance broker or the policy wordings.
