Insurance Program for Legacy CGA Members

Insurer:	Aviva Insurance Company of Canada
Eligibility:	The applying firms/practitioner must be a registered member of their provincial CGA Association in order to qualify for coverage. Please note, the intent of this policy is to cover the operations of a CGA Office and not any other exposures/activities (e.g. landlord operations etc.)

Property Coverage	Limit	Deductible
Office Contents Including Leasehold Improvements, Electronic Data Processing Equipment and Laptops	$50,000
Building	Not Covered, unless purchased
Sewer Back-up	Included	$2,500
Flood	Included	$2,500
Earthquake	Included	BC 15% ACV minimum $100,000. Ottawa Valley and Quebec deductible is 10% ACV minimum $100,000. All other zones and provinces 5% ACV minimum $100,000
All other Losses		$500
Business Personal Property:
In Transit in Canada and/or U.S./Temporarily Off Premises	$500,000
Off Premises in Custody of Sales Representative	$25,000
Newly acquired Business Contents (subject to 90 days reporting)	$50,000
Building and Business Contents at Newly Acquired Locations (Subject to 90 days Reporting)	$1,000,000
Debris Removal	25% of Loss Paid plus $25,000 (additional)
Business Income – 12 Month Indemnity (Including Extra Expense)	(Actual Loss Sustained)
Telephone Fraud Endorsement	$25,000 per claim and in aggregate
Personal Effects of Employees
Per Employee	$5,000
Maximum Per Occurrence	$50,000
Exterior Building Glass - $250 per pane maximum	Included	$50
Outdoor Signs	Included
Accounts Receivable	$250,000
Valuable Papers and Records	$250,000
Valuable Papers and Records - Off Premises / In Storage	$50,000
Pollution Clean-up, 180 day reporting	$25,000
Master Key	$25,000
Boiler & Machinery - Equipment Breakdown Coverage	Included
Comprehensive General Liability Coverage	Limit	Deductible
Bodily Injury and Property Damage, Products and Completed Operations, each Occurrence	$2,000,000	$1,000
Personal Injury and Advertising Liability	$2,000,000
Products and Completed Operations Annual Aggregate	$2,000,000
Medical Payments, any one Person, any one Accident	$10,000
General Aggregate	$10,000,000
Tenants' Legal Liability, Each accident or Occurrence	$2,000,000	$1,000
Non-Owned Automobile, Each accident or Occurrence	$2,000,000
SEF#94 – Damage to hired Automobiles	$50,000	$500
Voluntary Compensation	$10,000
Employers Liability	$2,000,000
Employee Benefits	$2,000,000
Aggregate	$2,000,000
Elevator Hoist Collision	$100,000
Crime Coverage	Limit	Deductible
Employee Dishonesty (Form A)	$25,000	$500
Loss of Money Inside Premises	$10,000	Nil
Loss of Money Outside Premises	$10,000	Nil
Money Orders and Counterfeit Paper Currency	$10,000	Nil
Depositors Forgery	$10,000	$500
Credit Card Forgery	$10,000	$500
Satellite Office Coverage	Limit	Deductible
Satellite Office (Not Stand Alone Coverage)	$5,000 Contents or $7,500 Contents

Insurer:	Aviva Insurance Company of Canada
Eligibility:	The applying firms/practitioner must be a Legacy CGA Member of their provincial CGA Association or CPA Association in order to qualify for coverage. Please note, the intent of this policy is to cover the operations of a Legacy CGA Office and not any other exposures/activities (e.g. landlord operations etc.)

Property Coverage	Limit	Deductible
Office Contents Including Leasehold Improvements, Electronic Data Processing Equipment and Laptops	$50,000
Building	Not Covered, unless purchased
Water Damage	Included	$5,000
Sewer Back-up	Included	$5,000
Flood	Included	$5,000
Earthquake	Included	BC 15% ACV minimum $100,000. Ottawa Valley and Quebec deductible is 10% ACV minimum $100,000. All other zones and provinces 5% ACV minimum $100,000
All other Losses		$500
Business Personal Property:
In Transit in Canada and/or U.S./Temporarily Off Premises	$500,000
Off Premises in Custody of Sales Representative	$25,000
Newly acquired Business Contents (subject to 90 days reporting)	$50,000
Building and Business Contents at Newly Acquired Locations (Subject to 90 days Reporting)	$1,000,000
Debris Removal	25% of Loss Paid plus $25,000 (additional)
Business Income – 12 Month Indemnity (Including Extra Expense)	(Actual Loss Sustained)
Telephone Fraud Endorsement	$25,000 per claim and in aggregate
Personal Effects of Employees
Per Employee	$5,000
Maximum Per Occurrence	$50,000
Exterior Building Glass - $250 per pane maximum	Included	$50
Outdoor Signs	Included
Accounts Receivable	$250,000
Valuable Papers and Records	$250,000
Valuable Papers and Records - Off Premises / In Storage	$50,000
Pollution Clean-up, 180 day reporting	$25,000
Master Key	$25,000
Boiler & Machinery - Equipment Breakdown Coverage	Included
Comprehensive General Liability Coverage	Limit	Deductible
Bodily Injury and Property Damage, Products and Completed Operations, each Occurrence	$2,000,000	$1,000
Personal Injury and Advertising Liability	$2,000,000
Products and Completed Operations Annual Aggregate	$2,000,000
Medical Payments, any one Person, any one Accident	$10,000
General Aggregate	$10,000,000
Tenants' Legal Liability, Each accident or Occurrence	$2,000,000	$1,000
Non-Owned Automobile, Each accident or Occurrence	$2,000,000
SEF#94 – Damage to hired Automobiles	$50,000	$500
Voluntary Compensation	$10,000
Employers Liability	$2,000,000
Employee Benefits	$2,000,000
Aggregate	$2,000,000
Elevator Hoist Collision	$100,000
Crime Coverage	Limit	Deductible
Employee Dishonesty (Form A)	$25,000	$500
Loss of Money Inside Premises	$10,000	Nil
Loss of Money Outside Premises	$10,000	Nil
Money Orders and Counterfeit Paper Currency	$10,000	Nil
Depositors Forgery	$10,000	$500
Credit Card Forgery	$10,000	$500
Satellite Office Coverage	Limit	Deductible
Satellite Office (Not Stand Alone Coverage)	$5,000 Contents or $7,500 Contents

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