L&A Mutual Insurance Company :: Office

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Wednesday March 10, 2010

OFFICE INSURANCE COVERAGE

BROADFORM BUILDING COVERAGE

Replacement cost (optional)
Accidental breakage of glass and signs

BROADFORM EQUIPMENT COVERAGE

Replacement cost
Optional theft coverage
Optional mechanical breakdown to equipment
Electrical surges by power fluctuation

LOSS OF INCOME COVERAGE

Replaces business income lost as a result of insured damgae to property (less expenses which do not continue)

CRIME COVERAGE

Contents including cash

COMMERCIAL GENERAL LIABILITY

Office premises (slip and fall)
Optional enviromental polution damage
Optional professional liability

HIGHLIGHTS ONLY. Actual policy wordings govern.
Coverage availablitilty subject to underwriting eligibility.

Water problems may occur at any time due to melting snow, heavy rainfall, sump pump malfunction or sewer back-up. Check roof shingles to ensure they are in good repair. Ensure your sump pump is functioning - have a back up system or alarm if you experience water problems on a regular basis. .....Full Story

Oil Tanks & Fuel Spills

This area is becoming a huge problem as the required environmental clean up is costly and is also disruptive to the homeowner. Check your oil tank & lines regularly for any possible leak or problem. If you detect an oil odour call your distributor immediately. If you have a spill, our adjuster .....Full Story

This is a common loss and may also lead to death. Ensure that smoke detectors are in proper working order. Have extinguishers in place in buildings and on equipment. Electricity must be respected. Have electrical wiring work completed by a certified electrician. Ensure that electrical .....Full Story

Copyright © 2010 L&A Mutual Insurance Company. All rights reserved.
Location - 32 Mill Street East, P.O. Box 174, Napanee, Ontario K7R 3M3
Telephone: 613.354.4810 | Toll Free: 800.267.7812

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