Electrical Contractor's Program

At Ron Noble Insurance we recognized the need for an affordable option to meet the licensing requirements for small to medium sized electrical contractors. Together with Aviva Insurance Company of Canada we have developed a program that should address this need. The basic policy provides the following coverages:

  • Commercial General Liability standard limit $2,000,000 per occurrence, $5,000,000 Annual Aggregate
  • $2,000,000 Products/Completed Operations Aggregate
  • Broad form property damage
  • Non-owned watercraft up to 8 meters
  • Blanket written contractual
  • Employees as additional named insured
  • Contingent Employers Liability Electrical Contractor's Program
  • Personal Injury Liability
  • Cross Liability
  • Medical Payments $10,000 per person
  • $250,000 Tenants Legal Liability
  • Non-owned Automobile
  • SEF #96 Contractual Liability Endorsement
  • SEF #99 Excluding Long Term Leased Vehicle Endorsement
  • Deductible $1,000 Property Damage

Note: Pricing is an indication only and is not guaranteed without receipt of a fully completed application and review and approval by the Insurance Company.

 

Summary of Available Limits:

 
  • Option 1: CGL & Tools
  • $5,000 limit included
  • Liability: $2,000,000 CGL
  • $500 for receipts less than $100,000
  • $700 for receipts $100,001 - $250,000
  • » Tool limit may be increased at additional
    premium
  • Option 2: CGL only
  • Liability: $2,000,000 CGL
  • $450 for receipts less than $100,000
  • $650 for receipts $100,001 - $250,000

  • Ineligible Classes
  • Excludes any type of alarm systems
  • Industrial Work
  • Consulting Work
  • Extensions and Exclusions
  • Fungi and Fungal Derivatives Exclusion
  • Asbestos Exclusion
  • Data Exclusion Endorsement
  • Terrorism Exclusion Endorsement
  • Abuse Exclusion
  • Segment Qualifiers
  • Includes fixtures and appliances
  • Three or more years in business or management with three or more years of experience in a similar business environment
  • Sublet receipts less than 25% of annual receipts
  • Annual receipts less than $250,000
  • No regular use by employees of their own automobiles in the business of the Insured
  • No more than two claims in the last five years, with no single claim in excess of $10,000 (before the deductible is applied) and no more than one claim arising out of the same peril
  • Risks must be located in Canada
  • All operations must take place in Canada
 
 

© 2010 Ron Noble Insurance Ltd., Your Hometown Insurance Specialist

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