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As an association, the BC HBVA has the power to reap the benefits given to other large associations.
Having worked with the HBVA for the past four years, we understand the needs of the industry. As a result, we have been able to design a package unique to these needs.
Okanagan Insurance Services (1977) Ltd. has negotiated on your behalf with a large, reputable insurance company and has arranged a customized package exclusive to our agency.
Already, at least 50 members have reaped the benefits of reduced premium in their fourth year with the program. Don't delay in arranging to obtain a quote for this special package. Please contact one of our representatives and they will be glad to answer any questions you may have.
The Hobby Brewers & Vintners Business Association package includes:
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Property of Every Description
All Risk with a $500 deductible, includes; replacement cost, protects merchandise, furniture, equipment and stock, and leasehold improvements & CUSTOMER GOODS.
Includes the following extensions:
Glass breakage
Goods In Transit
Contents Located Elsewhere
Tenants Improvements
Debris Removal
Consequential Loss
Fire Fighting Expenses ~ $1,000 limit
Damage to building by theft ~ $2,500
Newly Acquired Location ~ $50,000 limit for a maximum of 30 days
Personal Effects ~ $250 @ person
Retailers Products Recall ~ $10,000
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Business Interruption
Actual Loss Sustained |
Included |
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| Limited Contingent Business Interruption |
$10,000 |
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| Newly Acquired Property |
$100,000 |
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Extra Expense
No Limit up to 12 months |
Actual Loss Sustained |
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| Auditor's Fees |
$1,000 |
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Valuable Papers & Records
Broad Form - no deductible |
$5,000 |
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Boiler & Machinery
Limit per Accident Standard comprehensive form, includes air conditioning and refrigeration. Spoilage as a result of a mechanical breakdown included. |
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Crime
Broad From Money & Securities
Includes a limit of $2,500 each
Inside/Outside Holdup (Cash)
Money Orders & Counterfeit Paper Forgery
Dishonest Employees
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$2,500 |
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Commercial General Liability
Includes the following extension:
Products Liability
Cross Liability
Worldwide Coverage
Advertising Liability
Medical Expenses ~ $10,000 per person
Non-owned Automobile
Broad From Property Damage
Contractual Liability
Personal Injury
Incidental Malpractice
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$2,000,000 |
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| Tenants Legal Liability |
$1,000,000 |
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Optional Coverages Available
Building - All Risk, including replacement cost
$500 deductible
Additional Limits of Liability are available
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