If your business owns or leases multiple locations, please submit an application for each location. Independent contractors and mobile services only need to submit 1 application.
Contents coverage includes tools, equipment, furnishings and stock or product, plus renovations or leasehold improvements for which you are responsible. Tell us how much coverage you need by entering the replacement value for brand new items. Use the full replacement value for brand new items to avoid being penalized if you have a claim.
If you are sued for negligence for something like a customer being injured from one of your services, or if a customer slips and falls, liability coverage will pay to defend you and to settle the lawsuit up to the limit you choose. Anyone can sue you for any amount of money – how much they actually get is another thing, making it difficult to know how much liability coverage is enough. The best advice we can give you is to choose the highest limit you can afford – it usually costs less than you think.
The deductible is how much the insurance company will reduce your claim settlement by for most property damage claims (i.e., if it costs $7,000 to replace your contents that were lost in a fire and you have a $1,000 deductible, the insurance company would pay $7,000 minus the $1,000 deductible for a total of $6,000).
Submitting this application allows us to confirm your eligibility, coverage and premium for your business. It does not obligate you to buy a policy – we will only issue a policy if you ask us to!
If you decide to buy a policy, then this application will attach to and form part of the insurance contract for which you are applying. Any applicant who gives false particulars or knowingly misrepresents or fails to disclose any fact in any part of this application will void the contract of insurance, and may subject you to criminal and civil penalties.
Upon electronic submission of this application, you declare that:
By submitting this application, you also declare that you have read and consent to PROtique Insurance’s Personal Information Policy (“Policy”) for the current and future collection, use and disclosure of personal information in accordance with the Policy. The Policy can be viewed at www.protique.ca/privacy-policy.
Note that PROtique is operated by KRS Insurance Brokers Inc. Insurance is underwritten by Intact Insurance.
Once the submit button is clicked, the application is sent to the insurer for quotation. If editing is required, please do so BEFORE clicking the submit button.