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Insurance Information

Building Coverage

  • Accidental breakage of glass and signs

Equipment Coverage

  • Replacement Cost (optional)
  • Optional theft coverage
  • Optional mechanical breakdown to computers
  • Optional sewer/sump back-up

Stock Coverage

  • Optional theft coverage
  • Market value for stock on shelves
  • Damage resulting from change in temperature

Loss of Income Coverage

  • Replaces business income lost as a result of insured damage to property (less expenses which do not continue)
  • Crime Coverage
  • Contents including cash

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 Policyholders 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 g 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 Service

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