Office, Clinic, or Studio Property Insurance and Liability

This coverage has been specifically designed for TCM practitioners who may own their own clinic.

Property Insurance coverage highlights

Blanket Coverage on Contents of Every Description upto $100,000 (including computer and related material).

Subject to a $1,000 deductible

Featuring: Included at no extra cost:

  • “All Risks” Form
  • 90% Co-Insurance Clause
  • Replacement cost on Equipment
  • Tenants Improvements
  • Business Interruption
  • $10,000 Extra Expenses to resume operations
  • $25,000 Valuable Papers
  • $25,000 Accounts Receivable
  • Newly-Acquired Location

– Contents $250,000

– Building $1,000,000

  • $10,000 Transit Coverage
  • $10,000 Fire Department Charges
  • Sewer Back-up
  • Glass/Signs Included
  • $5,000 Off -Premises Coverage
  • Building Damage by Theft

Multi-Item Crime Insurance

Covering up to $10,000 per item

Including:

  • Employee Dishonesty
  • Loss Inside The Premises
  • Loss Outside The Premises
  • Money Order and Counterfeit Paper Currency
  • Depositors Forgery

Commercial General Liability (Third Party Public Liability)

Inclusive Limit for Bodily Injury and Property Damage: upto $5,000,000 per occurrence

Including:

  • Premises/Operations Liability
  • Personal Injury Liability
  • Advertising Injury Liability
  • Broad Form Bodily Injury
  • Cross Liability Clause
  • Medical Payments ($5,000/Person)
  • Non-owned Automobile Liability
  • Employee Benefits ($1,000,000 limit)
  • Employees as Additional Insureds
  • Broad Form Tenants Legal Liability
  • Physical Damage to Hired Non-owned Automobiles
  • Property Damage Deductible ($1,000)

Note: Purchased coverage may vary from above and claims are only paid out based upon coverage purchased terms and conditions of policy issued.

Please contact one of following to obtain the appropriate application for your clinic.

Mark Holman           (905) 886-5630 Ext 1224      
           
or

Paul Holman           (905) 886-5630 Ext 1246