Retail and Office Insurance

Retail and Office insurance is designed specifically for small to medium retail businesses and offices with the coverage that is most appropriate for the insurable risks and hazards they face.

Awywi Business Advantage

Our Business Advantage Coverage Form groups commonly chosen coverages in a complete bundle for your best coverage at your best value.

View a copy of the Policy Form Here.

COMPARISON OF BUSINESS ADVANTAGE ENDORSEMENTS – FORM 10_2019

  1. PROPERTY
<td>
  <strong>STANDARD LIMITS</strong>
</td>

<td>
  <strong>PLUS LIMITS</strong>
</td>
<td>
  $50,000
</td>

<td>
  $100,000
</td>
<td>
  $50,000
</td>

<td>
  $100,000
</td>
<td>
  $5,000
</td>

<td>
  $10,000
</td>
<td>
  $10,000
</td>

<td>
  $20,000
</td>
<td>
  $10,000
</td>

<td>
  $20,000
</td>
<td>
  $50,000
</td>

<td>
  $25,000
</td>
<td>
  Per Policy Wording
</td>

<td>
  Per Policy Wording
</td>
<td>
  Per Policy Wording
</td>

<td>
  <a>Per Policy Wording</a>
</td>
<td>
  $100,000
</td>

<td>
  $200,000
</td>
<td>
  $10,000
</td>

<td>
  $20,000
</td>
<td>
  $50,000
</td>

<td>
  $100,000
</td>
<td>
  $250
</td>

<td>
  $500
</td>
<td>
  Per Policy Wording
</td>

<td>
  Per Policy Wording
</td>
<td>
  $5,000
</td>

<td>
  $10,000
</td>
<td>
  $10,000
</td>

<td>
  $20,000
</td>
<td>
  $10,000
</td>

<td>
  $20,000
</td>
<td>
  $500
</td>

<td>
  $1,000
</td>
<td>
  $50,000
</td>

<td>
  $100,000
</td>
<td>
  $10,000
</td>

<td>
  $20,000
</td>
COVERAGE
Accounts Receivable
Contingent Liability from Enforcement of Building by-laws
Damage to Buildings by Burglary or Robbery
Computer Form
Consequential Loss Assumption (cold storage)
Fire department service charges
Glass extension
Inflation protection
Newly acquire locations (Equipment & Stock)
Other Transit
Peak Season Increase
Personal property of employees
Replacement Cost
Sales representative
Sign Form
Temporary locations
Growing plants, trees or shrubs (outdoors)
Valuable papers
Exhibition floater
  1. BUSINESS INCOME    No deductible applies to coverages in this Part II
<td>
  $10,000
</td>

<td>
  $20,000
</td>
<td>
  $10,000
</td>

<td>
  $20,000
</td>
<td>
  $10,000
</td>

<td>
  $20,000
</td>
Extra Expense Insurance
Professional fees
Profits Insurance – Contributing Property
  1. CRIME   No deductible applies to the coverages in this Part III.
  2. COMPREHENSIVE DISHONESTY, DISAPPEARANCE AND DESTRUCTION RIDER
<td>
  $5,000
</td>

<td>
  $10,000
</td>
<td>
  $5,000
</td>

<td>
  $10,000
</td>
<td>
  $5,000
</td>

<td>
  $10,000
</td>
<td>
  $5,000
</td>

<td>
  $10,000
</td>
<td>
  $5,000
</td>

<td>
  $10,000
</td>
Employee Dishonesty Coverage – Form A
Loss Inside the Premises Coverage
Loss Outside the Premises Coverage
Money Orders and Counterfeit Paper Currency Coverage
Depositor’s Forgery Coverage
  • LOSS INSIDE THE PREMISES – LIMITATION ENDORSEMENT – See Policy Wording