Retail Advantage was designed by our team of leading professionals who exclusively service the retail industry
By assessing your service business from every angle – from commercial and personal exposures to employee wellness and satisfaction – we get to know your organization. With these vital insights, we help you implement a complete risk management strategy that reduces new and traditional exposures. Our Retail Advantage leaders also identify organizational improvements to lower costs and increase productivity.
In addition to gaining a trusted partner, you benefit from:
- Bespoke coverage tailored to your company’s individual needs
- Flexible policy terms
- Lowest deductibles in the industry
- Premiums 10-20% below market average
- Profit sharing
- Two-year rate guarantee
Improve your level of service with Retail Advantage
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Services that to help you thrive
- Alternative risk-transfer solutions
- Claims advocacy
- Employee benefits
- Enterprise risk management
- Group retirement solutions
- Group home and auto program
- Insurance program design and implementation
- Loss control services
- Retention-level analysis
- Workplace safety
Coverage that protects your business in a risk prone industry
- Building and contents
- Business interruption
- Business premises liability
- Equipment breakdown
- Property insurance
Third-party liability coverage
Third-party liability insurance protects you should you get into an accident that injures another person or results in property damage to another person’s property. It covers the costs of any legal or court fees, associated medical expenses and repairs of a damaged car. Ontario requires you to carry a minimum of $200,000 in third-party liability coverage.
Direct compensation - property damage coverage
If you are in an accident but not at fault, direct compensation coverage protects an insured car and its contents by covering the costs of any property damage, such as repairing or replacing a vehicle.
Uninsured automobile coverage
Should you be involved in an accident with an underinsured or uninsured driver who is deemed at fault for the collision, this coverage will kick in to cover any associated medical expenses due to injuries, as well as car repairs, lost wages and more. It also kicks in if you are involved in a hit-and-run.
Accident benefits coverage
Accident benefits coverage kicks in to help cover lost income and medical expenses, regardless of who is at fault, if you, a passenger or a pedestrian are injured in a collision. Medical expenses include prescription medications, physical therapy, rehabilitation and more.
We’re here to answer any questions you have about our products and services.