As a business owner, you have enough on your mind. That’s why The Co-operators offers specialized package policies that include all the coverages you need in one complete package.

Our package policies are designed to meet the specific insurance needs of:

• Offices
• Retail businesses
• Apartment buildings
• Skilled trades

Office

Our office policy can provide you with the protection you need, such as office contents, audit expenses and liability insurance. We also cover accounts receivable, glass, signs and more.

Here is a summary of the types of coverages our Office Policy Package includes:

Property Insurance

This coverage protects the physical assets of your business, such as your office building, equipment, furnishings, fixtures, computers, valuable papers and records.

• Assets are covered on an ‘All Risks’ replacement cost basis.
• Broad Loss of Income insurance is included with no dollar limit – we pay the actual loss you sustain for up to 12 months from the date of loss.
• Your policy also covers outdoor signs, accounts receivables, building bylaws, and exterior glass.

Flexguard Package Extension

If you are looking for coverage that offers maximum flexibility, our exclusive Flexguard Package Extension can give you just that.

• Provides over 20 additional coverages and extensions, such as inflation protection, master key insurance, and coverage for fine arts and professional fees.
• Spread the built-in $100,000 limit over most of these coverages according to your specific needs.

Crime and Fidelity

Our Office Policy Package provides a suite of essential, comprehensive coverages to give you the protection you need in today’s business environment.

• Policy includes coverage for employee dishonesty, robbery, safe burglary, depositor’s forgery, counterfeit currency and money orders.

Liability

We live in an increasingly litigious society. Third party liability insurance is essential to protect your business from claims alleging injury or property damage resulting from your negligence.

• This vital coverage is automatically included with policy limits of $2,000,000.

Optional coverages

Since every business is unique, you can customize your Office Policy Package with optional coverages that meet your specific needs. If you own your office building, we can provide additional coverage to protect your investment. If you want to insure your property against earthquake, sewer backup and flood damage, or if you would like higher policy limits, we can help you tailor a plan that has everything you want.

Crime and Fidelity

Our Retail Policy Package provides a suite of essential, comprehensive coverages to give you the protection you need in today’s retail environment.

• Policy includes coverage for employee dishonesty, robbery, safe burglary,depositor’s forgery, counterfeit currency and money orders.
• We live in an increasingly litigious society. Third party liability insurance is essential to protect your retail business from claims alleging injury or property damage due to negligence.
• This vital coverage is automatically included with policy limits of $2,000,000.

Since every retail business is unique, you can customize your Retail Policy Package with optional coverages that meet your specific needs. If you own your building, we can provide additional coverage to protect your investment. If you want to insure your property against earthquake, sewer backup and flood damage, or if you would like higher policy limits, we can help you tailor a plan that has everything you want.

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Whether you sell home appliances, books or clothing, our retail policy package includes the coverage you need to protect your retail business. Your policy includes insurance for loss of income and crime losses, such as burglary, counterfeit money and employee dishonesty.

Here is a summary of the types of coverages our Retail Policy Package includes:

Property Insurance

This coverage protects the physical assets of your retail business, such as your property, inventory, furnishings, fixtures, cash registers, valuable papers and records.

• Certain assets are covered on an ‘All Risks’ replacement cost basis (e.g. equipment and furnishings).
• Broad Loss of Income insurance is included with no dollar limit – we pay the actual loss you sustain for up to 12 months from the date of loss.
• Your policy also covers outdoor signs, accounts receivables, building bylaws, and exterior glass.

Flexguard Package Extension

If you are looking for coverage that offers maximum flexibility, our exclusive Flexguard Package Extension can give you just that.

• Provides over 20 additional coverages and extensions, such as inflation protection,master key insurance, and coverage for fine arts and professional fees.
• Spread the built-in $100,000 limit over most of these coverages according to your specific needs.

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We insure all sizes of apartment buildings. Our policy is very comprehensive and includes building, contents, loss of income, crime and liability insurance.

Here is a summary of the types of coverage our Apartment Policy Package includes:

Property Insurance

This coverage protects the physical assets of your investment property, such as your apartment building, landscaping, lobby furnishings, hallway fixtures, and more.

• Assets are covered on an ‘All Risks’ replacement cost basis.
• Broad Loss of Income insurance is included with no dollar limit – we pay then actual loss you sustain for up to 12 months from the date of loss.
• Your policy also covers outdoor signs, accounts receivables, building bylaws, and exterior glass.

Flexguard Package Extension

If you are looking for coverage that offers maximum flexibility, our exclusive Flexguard Package Extension can give you just that.

• Provides over 20 additional coverages and extensions, such as inflation protection, master key insurance, and coverage for fine arts and professional fees.
• Spread the built-in $100,000 limit over most of these coverages according to your specific needs.

Crime and Fidelity

Our Apartment Policy Package provides a suite of essential, comprehensive coverages to give you the protection you need.

• Policy includes coverage for employee dishonesty, robbery, safe burglary,depositor’s forgery, counterfeit currency and money orders.

Liability

We live in an increasingly litigious society. Third party liability insurance is essential to protect your investment from claims alleging injury or property damage due to neglicence.

• This vital coverage is automatically included with policy limits of $2,000,000.

Optional coverage

Since every apartment building is unique, you can customize your Apartment Policy Package with optional coverages that meet your specific needs. If you want to insure your property against earthquake, sewer backup and flood damage, or if you would like higher policy limits, we can help you tailor a plan that has everything you want.

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This policy insures skilled trades – from carpenters to tile installers. Most of your insurance needs are covered in our basic package with a variety of options to customize your policy based on your specific needs.

Here is a summary of the types of coverage our Skilled Trades Policy Package includes:

Property Insurance

This coverage protects the physical assets of your business, such as your equipment, tools, and items awaiting installation at, or in transit, to job sites.

• Assets are covered on an ‘All Risks’ replacement cost basis.
• Your policy also covers accounts receivables and extra expenses.

Crime and Fidelity

Our Skilled Trades Policy Package provides a suite of essential, comprehensive coverages to give you the protection you need in today’s business environment. We automatically include a valuable ‘Service Blanket Bond’ in your policy package, which protects your customers from the dishonest acts of your employees during the course of their employment. In addition, you can increase your own protection with an optional suite of Crime and Fidelity coverages, including robbery, safe burglary, and employee fidelity.

Liability

We live in an increasingly litigious society. Third party liability insurance is essential to protect your business from claims alleging injury or property damage due to negligence.

• This vital coverage is automatically included with policy limits of $2,000,000.

Optional coverage

Since every business is unique, you can customize your Skilled Trades Policy Package with optional coverages that meet your specific requirements. If you want to insure your mobile equipment, we can provide additional coverage to protect your investment. If you want higher policy limits or coverage for reimbursement of rental costs for temporary replacement equipment, we can help you tailor a plan that has everything you need.

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For more information on our Specialized Policy Packages, talk to your agent.