Commercial Property

Oil and Gas Plus & Oil and Gas Plus Enhanced

Two great products to protect you better! Select which one best meets your insurance needs.

Eligibility

⪧ Minimum $5,000 on Commercial Property and $1,000,000 Commercial General Liability (for the Enhanced Form only)

⪧ No more than one loss exceeding $10,000 or 2 losses of any size within the last 3 years

⪧ Buildings over 35 years old must be upgraded to current standards and building codes

⪧ Minimum 3 years in business

⪧ Maximum $5,000,000 annual gross receipts

⪧ Maximum 10% foreign sales

⪧ Operations restricted to within Canada

Coverages and Limits

	Oil and Gas Plus	Oil and Gas Plus Enhanced
Property Coverages	Limits	Limits (Part I)
Building By-Laws	Not Covered	Included
Consequential Loss	Not Covered	Included
Glass	Not Covered	Included
Personal Property of Employees	Not Covered	1,000 each
Removal/Protection of Property	Not Covered	30 days
Replacement Cost No same site requirement	Not Covered	Included
	Specified Limits	Blanket Limit 500,000 (Part II)
Accounts Receivable	Not Covered	Included
Automatic Fire Suppression Systems Recharge Expense	Not Covered	Included
Brands and Labels	Not Covered	Included
Broad Form Amendment	Not Covered	Included
Computer Form	Not Covered	Included
Damage to Buildings By Burglary or Robbery	Not Covered	Included
Environmental Improvements Maximum 125% of Replacement Cost	Not Covered	Included
Expediting Expenses	Not Covered	Included
Extra Expense	Not Covered	Included
Fine Arts Maximum 2,500 any one item, pair or set	Not Covered	Included
Fire Department Charges	Not Covered	Included
Growing Plants	Not Covered	1,000 each
Home Office Extension	Not Covered	Included
Leasehold Interest	Not Covered	Included
Master Key	Not Covered	Included
Peak Season, 25% of Contents amount	Not Covered	Included
Professional Fees	Not Covered	Included
Roadways, Walkways, Parking Lots	Not Covered	Included
Valuable Papers	Not Covered	Included
	Limits	Limits (Part III)
Arson Reward Coverage	Not Covered	10,000
Condo Unit Owners Extension - Contingent Insurance	Not Covered	25,000
Condo Unit Owners Extension - Improvements & Betterments	Not Covered	25,000
Condo Unit Owners Extension - Loss Assessments	Not Covered	25,000
Contents Loaned, Rented or Leased	Not Covered	25,000
Contractors Equipment, Blanket	25,000	25,000
Replacement Cost, Equipment and Tools	3 years	5 years
Rental Reimbursement, Equipment	1,000 / 10,000	2,500 / 25,000
Contractors Tools, Blanket	10,000	10,000
Deferred Sales	Not Covered	25,000
Exhibition Floater	Not Covered	25,000
Inflation Protection	Not Covered	3%
Land and Water Pollution Clean-Up	Not Covered	25,000
Motor Carrier Cargo Liability	25,000	25,000
Newly Acquired Locations - Buildings	Not Covered	60 days 1,000,000
Newly Acquired Locations - Contents	Not Covered	60 days 500,000
Off Premises Services Interruption	Not Covered	Power, heat, water, 25,000
Other Transit	Not Covered	25,000
Prohibited Access by Civil Authority, Extra Expense & Profits Forms	Not Covered	30 days
Profits	Not Covered	ALS
Profits - Contributing Property	Not Covered	25,000
Rented, Leased or Loaned Contractors Equipment	Not Covered	100,000
Sales Representative	Not Covered	10,000
Signs	Not Covered	25,000
Temporary Locations	Not Covered	25,000
Crime Coverages	Limits	Limits (Part IV)
Employee Dishonesty Form A	Not Covered	10,000
Broad Form Money & Securities	Not Covered	10,000
Money Orders and Counterfeit Paper Currency	Not Covered	10,000
Depositor's Forgery	Not Covered	10,000
Loss Inside the Premises Overnight Limitation	Not Covered	500
Liability	Limits	Limits
Forest Fire Fighting Expenses	250,000	250,000
Oilfield Towing Liability	50,000	50,000
Non-Owned Automobile Liability	2,000,000	2,000,000
Legal Liability for Physical Damage Hired Automobiles	50,000	50,000