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Realty Insurance

The Right Company, The Right Coverage

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The proper insurance package is an important part of any business plan as a significant loss could have a devastating financial impact. Your building represents a substantial investment and protecting that investment requires insurance specifically designed for your needs. Portage Mutual’s Realty Pro combines into one package the coverages often needed by building owners and allows flexibility for further tailoring of coverage to meet your unique needs.

Modern Office

Older Building

Box Stores

Key Coverages & Extensions All Under One Roof

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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
  • TechAdvantageā„¢

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

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

Liability

  • Property Enhancement
  • Business Interruption Actual Loss Sustained Profits/Rental Income Form
  • Exterior Paving
  • Mortgage Rate Protector
  • Business Interruption Contingent Liability - Building By-Laws
  • Interruption By Civil Authority
  • Limited Contingent Business Interruption
    • (i) Neighbouring Premises
      (ii) Contributing/Recipient Property
  • Business Interruption - Newly Acquired Locations
  • Business Interruption - Off Premises Service Interruption
  • Fire Department Service Charges
  • Extra Expense
  • 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 10 Days
  • 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 Off Premises in the Custody of Sales Representatives
  • Exhibition Extension
  • Growing Plants, Trees, Shrubs, or Flowers in the Open
  • Personal Effects of Officers and Employees
  • Reward
  • Installation Floater
  • Courier or Parcel Post
  • Automatic Fire Suppression System Recharge Expense
  • Replacement Cost Endorsement

Fire Fighting

Optional Coverages

  • Flood
  • Earthquake
  • Sewer Back-up

Loss Prevention

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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.

Slip and Fall

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 Realty Pro coverage package.

Shovelling

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 Realty Pro Policy Booklet.

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