Summary of Coverages

Every PROfur 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)
$1,000,000
General Liability
(ie. for slips & falls)
$1,000,000
Injury or Loss Of Pets
(ie. to reimburse owner if their pet runs away, is stolen or dies while in your care; emergency vet expenses)
$2,000 per animal
Pet Recovery Expenses
(ie. reimburse expenses to find runaway or stolen pets)
$500
Pet Reward
(ie. to help recover a runaway or stolen pet)
$500
Emergency Pet Removal
(ie. to pay for temporary boarding of clients’ pets that have to be evacuated to avoid imminent danger)
$1,000
Contents
(ie. tools, equipment, stock, renovations & leasehold improvements)

  • Broad coverage against a wide range of claims (ie. fire, theft, storm damage, sewer backup, flood, earthquake)
  • Replacement Cost coverage included
$10,000
Business Interruption
(ie. to cover lost profit & ongoing expenses if you’re closed due to a claim)
Actual Loss Sustained
General Deductible $500

Plus, every PROfur Masterplan Policy includes this Coverage Extension Package:

Coverage Extension Amount of Coverage
PROPERTY
    1. Accounts Receivable
    2. Blanket Glass
    3. Computer Breakdown
    4. Computer Equipment
    5. Computer Media
    6. Contents at Unnamed Locations
    7. Courier and Parcel Post
    8. Exhibition Floater
    9. Fire Department Service Charges
    10. Growing Plants, Trees, Shrubs, Flowers-Outside
    11. Inflation Protection
    12. Land & Water Pollution Clean-up First Party
    13. Lost Key Coverage-Customer’s Home
    14. Outdoor Signs
    15. Personal Property of Employees (on premises)
    16. Professional Fees
    17. Property in Transit
    18. Replacement Cost on Building & Contents
    19. Sales Samples
    20. Stock Spoilage
    21. Valuable Papers & Records
    22. 25% Peak Season Increase

    $50,000
    Included in Contents/Building Limit
    $10,000
    $50,000
    $10,000
    $50,000
    $10,000
    $10,000
    $10,000
    $500/item; $25,000/occurrence
    Included in Contents/Building Limit
    $10,000
    $10,000
    $10,000
    $10,000
    $25,000
    $10,000
    Included
    $10,000
    $10,000 (included in Contents limit)
    $50,000
    Included
LIABILITY
    1. Employers Liability
    2. Employee Benefits
    3. Tenants Legal Liability
    4. Medical Payments
    5. Non Owned Automobile Liability

    $1,000,000
    $250,000/employee
    $500,000
    $10,000 per person
    $1,000,000
BUSINESS INTERRUPTION
    1. Extra Expense
    2. Off Premises Service Interruption
    3. Limited Contingent Loss of Income
        a. Neighbouring Premises
        b. Contributing/Recipient Property

    $10,000
    $25,000

    $25,000
    $25,000

CRIME
    1. Loss Inside/Outside the Premises
    2. Employee Dishonesty
    3. Money Orders and Counterfeit Paper
    $5,000
    $10,000
    $5,000

EQUIPMENT BREAKDOWN Included if a Limit is listed on your Certificate of Insurance
EARTHQUAKE Included (deductible is greater of 3% or $100,000)
FLOOD Included ($25,000 deductible)
 
SEWER BACKUP Included ($5,000 deductible)
 

NOTE: This summary highlights the main coverages provided the base PROfur 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 PROfur Masterplan master policy, which is available upon request.