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:

PROPERTY

Accounts Receivable$50,000
Blanket GlassIncluded in Contents/Building Limit
Computer Breakdown$10,000
Computer Equipment$50,000
Computer Media$10,000
Contents at Unnamed Locations$50,000
Courier and Parcel Post$10,000
Exhibition Floater$10,000
Fire Department Service Charges$10,000
Growing Plants, Trees, Shrubs, Flowers-Outside$500/item; $25,000/occurrence
Inflation ProtectionIncluded in Contents/Building Limit
Land & Water Pollution Clean-up First Party$10,000
Lost Key Coverage-Customer’s Home$10,000
Outdoor Signs$10,000
Personal Property of Employees (on premises)$10,000
Professional Fees$25,000
Property in Transit$10,000
Replacement Cost on Building & ContentsIncluded
Sales Samples$10,000
Stock Spoilage$10,000 (included in Contents limit)
Valuable Papers & Records$50,000
25% Peak Season IncreaseIncluded

LIABILITY

Employers Liability$1,000,000
Employee Benefits$250,000/employee
Tenants Legal Liability$500,000
Medical Payments$10,000 per person
Non Owned Automobile Liability$1,000,000

BUSINESS INTERRUPTION

Extra Expense$10,000
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 $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.