Every PROtique Masterplan policy comes with a core of key coverages plus a package of coverage extensions which have been customized to cover the unique risks of pet care professionals. Whether you own your own business, work in your own home, or are a contractor working for someone else, you will receive the following comprehensive collection of coverages:
| Key Coverages | Minimum Amount |
|---|---|
| Professional/Malpractice Liability (ie. coverage for accidental injury to pets-cuts, allergic reactions, broken bones, bites) | $2,000,000 |
| General Liability (ie. for slips & falls) | $2,000,000 |
| Contents (ie. tools, equipment, stock, renovations & leasehold improvements)
| $10,000 |
| Business Interruption (ie. to cover lost profit & ongoing expenses if you’re closed due to a claim) | Actual Loss Sustained |
| General Deductible | $1,000 |
| Independent Contractor Extension (ie. to cover contractors while they are working for you) | Optional |
Plus, every PROtique Masterplan Policy includes this Coverage Extension Package:
PROPERTY
| Accounts Receivable | $50,000 |
| Blanket Glass | Included in Contents/Building Limit |
| Catch All Clause | $25,000 |
| Computer Breakdown | $25,000 |
| Computer Equipment | $50,000 |
| Computer Media | $10,000 |
| Contents at Unnamed Locations | $50,000 |
| Courier and Parcel Post | $10,000 |
| Exhibition Floater | $10,000 |
| Fine Arts | $50,000 |
| Fire Department Service Charges | $25,000 |
| Growing Plants, Trees, Shrubs, Flowers-Outside | Included in Contents / Building Limit |
| Inflation Protection | Included |
| Land & Water Pollution Clean-up First Party | $25,000 |
| Outdoor Signs | $25,000 |
| Property of Employees (on premises) | Included in Contents Limit |
| Professional Fees | $25,000 |
| Proof of Loss Preparation Costs | $10,000 |
| Property Floater | $10,000 |
| Property in Transit | $10,000 |
| Replacement Cost on Building & Contents | Included |
| Sales Samples | $25,000 |
| Stock Spoilage | $25,000 |
| Valuable Papers & Records | $50,000 |
| 25% Peak Season Increase | Included |
LIABILITY
| Employers Liability | $2,000,000 |
| Employee Benefits | $2,000,000 |
| Medical Payments | $10,000 per person |
| Non Owned Automobile Liability | $1,000,000 |
BUSINESS INTERRUPTION
| Extra Expense | $25,000 |
| Off Premises Service Interruption | $25,000 |
| Limited Contingent Loss of Income a. Neighbouring Premises b. Contributing/Recipient Property | $25,000 $25,000 |
CRIME
| Loss Inside/Outside the Premises | $5,000 |
| Employee Dishonesty | $10,000 |
| Money Orders and Counterfeit Paper | $5,000 |
EQUIPMENT BREAKDOWN
Included if a Limit is listed on your Certificate of Insurance
EARTHQUAKE
Included (deductible is greater of 3% or $50,000)
FLOOD
Included ($25,000 deductible)
SEWER BACKUP
Included ($5,000 deductible)
NOTE: This summary highlights the main coverages provided the base PROtique Masterplan insurance policy. It is not intended to provide an exhaustive list of the coverages your policy will provide automatically, but simply to indicate the most significant coverages that can protect your business. All coverages and services insured are subject to the usual wording of the PROtique Masterplan master policy, which is available upon request.
