Your commercial property is covered in the event of damage due to fire, theft and vandalism, including your buildings’ replacement value with no obligation to rebuild in the same location in the event of a total loss, as well as your merchandise and equipment.

You are covered for damage that may be caused to third parties, including rental liability, medical expenses and work performed by sub-contractors. For example, you’re covered if a client gets injured after accidentally taking a fall on your icy driveway or wet floor.

Losses of earnings and supplemental expenses incurred for resumption of your activities following an insured loss are covered.

Embezzlement resulting directly from any dishonest act committed by an employee is covered.