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Insurance Information

Shop Building Coverage

  • Accidental breakage of glass and signs

Office Contents Coverage

  • Replacement cost
  • Optional theft coverage
  • Optional mechanical breakdown to computers

Installation Floater

  • Materials on site (installed and in process) during period of contract
  • Materials in transit to site

Tool & Equipment

  • Hand tools on a blanket basis
  • Automatic 6 day coverage on short term rentals up to $2,500
  • Automatic 30 day coverage on new acquisitions up to $2,500

Public Legal Liability

  • Premises Coverage – Your shop and job site
  • Completed Operations coverage—when work completed
  • Personal Injury (Libel, slander)

Highlights only. Actual policy wordings govern. Coverage availability subject to underwriting eligibility.

Why Insure with a Mutual

We’re your Neighbours

  • We understand your needs
  • Focused on rural Ontario

Focus on Policyholder Interests

Ontario’s Mutuals are owned & directed by their policyholders, and operate with a “member value” philosophy

Strength in Companies

  • Ontario’s Mutuals back each other through our own Guarantee Fund and Reinsurance company
  • Collectively our system is one of the most financially secure insurance networks
  • Ontario’s Mutuals are 100% Canadian and fully licensed to operate in Ontario.

Loss Prevention

  • On site inspections
  • Promoting safety & awareness in the community
  • Fire extinguisher program