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Acumen Insurance Group specializes in Professional Liability and Comprehensive Packages for Hair Stylist, Estheticians, Medical-Spa Owners, Salon Owners, Manufactures and Wholesalers!

With over 30 years of experience you can trust Acumen Insurance Group to provide superior protection for your Business

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Coverage Extension Package

Includes all contents usual to the Insured’s business; hence (1) furniture, furnishings, fittings, fixtures, machinery, tools, utensils and appliances, (2) similar property of others if insured is obligated to insure or is legally liable, and (3) tenant’s improvements made at the expense of the insured provided the insured is not the owner of the building. Extensions provide coverage on a limited basis for (1) personal property of officers and employees, (2) building damage by theft and (3) growing plants, trees, shrubs or flowers in the open. Merchandise of every description usual to the insured’s business.

• Professional Liability $2,000,000

• General Liability $2,000,000

(Example slips & falls)

• Deductible  $1,000

• Building By-Laws (included)*

• Blanket Glass (included)*

• Inflation Protection (included)

• Newly Acquired Buildings ($2,000,000)

• Fire Department Service Charges ($50,000)

• Master Key Coverage ($50,000)

• Outdoor Signs ($50,000)

• Professional Fees ($50,000)

• Replacement Cost (included)

• Accounts Receivable ($100,000)

• Contents at Newly Acquired Locations ($500,000)

• Contents at Unnamed Locations ($100,000)

• Stock Spoilage – Interruption of Services to the Premises ($50,000)

• Courier and Parcel Post ($25,000)

• Computer Equipment ($100,000)

· Media ($50,000)

· Breakdown ($50,000)

• Exhibition Floater ($50,000)

• Installation Floater ($50,000)

• Peak Season Increase (25%)

• Personal Property of Officers & Employees (included)*

• Sales Samples ($50,000)

• Property in Transit ($50,000)

• Valuable Papers & Records ($100,000)

• Fine Arts ($100,000)

• Land & Water Pollution Clean Up ($50,000)

• Roadways, Walkways, Parking Lots (included)*

• Growing Plants, Trees, Shrubs or Flowers (included)*

• Automatic Fire Suppression Recharge Expense ($50,000)

• Arson and Burglary Reward ($10,000)

• Newly Acquired Contents of Every Description ($25,000)

• Building Damage by Theft ($5,000)

• Commercial Condominium Unit Owners Supplemental Coverage

· Contingent Condo Unit ($10,000)

· Special Loss Assessment ($10,000)

· Improvements and Betterments ($25,000)

• Bailee’s Customers ($10,000)

• Brands and Labels ($100,000)

• Catch All Clause ($50,000)

• Common Elements Contents or Common Area Contents ($50,000)

• Common Expense (included)*

• Confiscation or Seizure of Property ($10,000)

• Debris Removal (included)*

• Deferred Payment Plan Stock ($50,000)

• Expediting Expenses ($50,000)

• Furs, Fur Garments, Jewels, Jewellery ($5,000)

• Inventory Preparation Expense ($10,000)

• Office Business Contents ($50,000)

• Precious Metals ($25,000)

• Proof of Loss Preparation Costs ($25,000)

• Tool Floater ($5,000)

• Trustees Fees ($50,000)

• Unit Owners’ Property in Custody ($2,500 per owner; $50,000 per occurrence).

• Profits and/or Rental Income (Actual Loss Sustained)

• Interruption by Civil Authority (Actual Loss Sustained – 30 days)

• Off-Premises Services Interruption ($50,000)

• Limited Contingent Loss of Income

· Neighbouring Premises ($50,000)

· Contributing/Recipient Property ($50,000)

• Damage to Newly Acquired Property ($250,000)

• Accountants Fees ($25,000)

• Extra Expense ($50,000)

• Mortgage Rate Guarantee ($100,000)

• Fines, Damages or Penalties for Breach of Contract ($25,000)

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• Employee Fidelity – Insuring Agreement I.A ($50,000 Aggregate)

• Broad Form Money & Securities

· Inside Premises – Insuring Agreement II.A ($10,000)

· Outside Premises – Insuring Agreement III.A ($10,000)

· Custodian Home – Insuring Agreement III.A ($10,000)

• Money Order & Counterfeit Paper – Insuring Agreement IV ($10,000 Aggregate)

• Depositors Forgery – Insuring Agreement V ($10,000 Aggregate)

• Credit Card Forgery – Insuring Agreement VI ($10,000 Aggregate)

• Computer Fraud – Insuring Agreement VII

· (i) Insured’s Interest ($10,000)

· (ii) Customers’ Interest ($10,000 aggregate/ $1,000 per customer).

• Employers Liability (included)

• Voluntary Compensation – Employers’ Liability (refer to EL11 wording for limit)

• Employee Benefits ($2,000,000 aggregate)

• Employment Practices Liability ($10,000)

• Limited Environmental Liability ($25,000 aggregate)

• S.E.F. No. 94 – Legal Liability for Damage to Hired Automobiles ($75,000 any one accident)

• S.E.F. No. 99 – Excluding Long-Term Leased Vehicles Endorsement (included)

• S.E.F. No. 96 – Contractual Liability Endorsement (included)

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