Package Policies and Options

We understand that business owners have enough to think about, so we’ve taken the guesswork out of choosing the right insurance coverage. We have coverage packages to meet the specific insurance needs of your business, plus local Co-operators Financial Advisors who can help you customize your insurance plan.

When you purchase one of our commercial policy packages, you’ll automatically receive all risk coverage for your property, loss of income on an actual loss sustained basis, crime, equipment breakdown and general liability coverage with policy limits of $2,000,000.

For ultimate coverage, all of our packages include our Commercial Advantage Endorsement which provides 32 different coverage options such as Extra Expense, Exterior Signs, Glass, Professional Fees, Stock Spoilage, Valuable Papers, Debris Removal, Identity Theft, Installation Floater and more.

For more information on our Specialized Package Policies, talk to your local Co-operators Financial Advisor.

Contractors Package

Our contractors package is specially designed to insure contractors and related service trades such as bricklayers, carpenters, janitorial services, heating and air conditioning contractors, and tile installers. We will provide coverage to protect the physical assets of your business, such as your equipment, tools and materials that are awaiting installation or in transit to a job site.

Retailers Package

Whether you sell home appliances, books or clothing, our retailers package contains everything you need to keep your successful business running, including all risk property coverage including coverage for stock that may be outside your premises for a sidewalk sale, loss of income from an insured peril, and crimes like burglary, counterfeit money and employee dishonesty.

Business and Professional Services Package

A package specifically designed for business and professional offices such as accountants, dentists, hair salons, opticians or veterinarians.  This package includes all risk coverage for your property, including electronic equipment, loss of income from an insured peril, crime and liability.

We can also offer professional liability coverage for Hair Salons/Barber Shops; Opticians/Audiologists; and Veterinarians.

Realty Package

This package is specially designed to insure small to medium sized apartments. This package includes all risk property coverage for your building, loss of income from an insured peril, as well as peace of mind providing you with liability coverage. We also extend coverage for Roadways, Walkways and Parking Lots, as well as coverage for Master Keys. We also offer coverage for Guaranteed Mortgage Rates.

Express Foods Package

Our Express Foods package is designed specifically for fast food restaurants, pizzerias, coffee shops and delicatessens, including take out. Our policy will provide coverage for Stock Spoilage, Loss of Income, on an actual loss sustained basis, as well as loss of income resulting from infectious diseases and food poisoning.