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.

As a business owner, you know the importance of maintaining the best selection and service for your customers.

Selection & Service: The Winning Combination

At Portage Mutual, we believe you deserve the best selection and service. For that reason, we’ve developed our Retailers Pro package that incorporates a combination of coverages. Realizing each retail business is unique, we’ve designed our product to provide the protection that meets the specific needs of a variety of retail businesses.

We believe insurance is a local matter which is why we utilize over 600 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, Pharmacists/Drug Stores, Beauty salons, and Aestheticians.

High Standards of Coverage

  • 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
    • TechAdvantage™
  • 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
    1. Neighbouring Premises
    2. 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 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, 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

Portage Mutual works with a network of insurance brokers across Canada. They are licensed professionals who work for your best interests and help you navigate the complexities of your insurance purchase.

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.