Falls & FloodsFalls & FloodsFalls & FloodsFalls & FloodsProtecting your OfficeProtecting your OfficeProtecting your OfficeProtecting your Office

Presented by: Brokers Trust Insurance Group IncBrokers Trust Insurance Group IncBrokers Trust Insurance Group IncBrokers Trust Insurance Group Inc.Steve Campanella, Broker of Record Doriana Di-Fiore Isaguirre, Program Co-Ordinator

Date: January 13th, 2016

SLIP & FALL YOUR APPLICATION FLOOD, SEWER BACKUP

& WATER DAMAGE

What is a Flood Exactly?What is a Flood Exactly?What is a Flood Exactly?What is a Flood Exactly?

Flood damage is caused by waves, tides, tidal waves, tsunamis, or the rising of, the breaking out or the overflow

of any body of water.

Sewer backup is caused by the backing up of

sumps, septic tanks or drains

What is a Sewer Backup?

Water damage done to your property from

broken pipes…

What do they mean by

General Water Damage?

General Water Damage Exclusions

• Wear and Tear

• Gradual Deterioration

• Latent Defect

• Inherent Vice

• Cost of Making Good Faulty or Improper Material

Faulty

• Improper Workmanship

Common Water Damage Claims

• Heavy rainfall causes the municipal sewer system

to back up into your property through the drains in

the lowest level of your property. This is a Sewer

Back Up claim (subject to its deductible)

• Burst pipe due to extreme cold temperatures

causes damage to your property

(contents/building/improvements). This is a claim

under the general “Contents/Property” section of

your policy (subject to it’s deductible).

• A fire in an adjacent unit causes the sprinkler

system to go off causing damage to your property.

This is a claim under the general

“Contents/Property” section of your policy (subject

to it’s deductible)

• When a river crests and water enters your property

and does damage to the property and its

contents. This is a flood and requires flood

coverage (subject to it’s deductible)

Tips to Prevent Water Damage

• Clean your eavestrough, drains, and downspouts annually

and direct water flow away from the property

• Maintain roof shingles (change every 15-20years)

• Properly seal windows and doors

• Overflow or leaks from drains, sinks, toilets. Know where your

shut off valves are (both main and per fixture if applicable)

• Check appliances regularly (Check the water source and

make sure you replace old hoses and or washers). Replace

or maintain older appliances

Tips to Prevent Water Damage

• Foundations. Seal cracks in foundation walls and

basement floors

• Hot water tank- Know the age of your tank. Check

for cracks and corrosion. If it’s between 10-15

years old think about replacing it. If it’s over 15

years old, replace it.

• Install a back-flow valve.

Commercial General Liability (Premises Liability) as defined by

the Insurance Bureau of Canada

Bodily Injury and Property Damage

To pay those sums that the Insured becomes legally obligate to

pay as “compensatory damages” because of “bodily Injury” or

“property damage” to which this Insurance applies during the

form period. Subject to the limits of the policy and any

applicable deductible(s)

What is Slip & Fall Coverage Exactly?

Bodily Injury Bodily Injury Bodily Injury Bodily Injury - Means bodily injury, sickness or disease

disease sustained by a personsustained by a personsustained by a personsustained by a person, including death resulting

resulting from any of these at any time.

Property DamageProperty DamageProperty DamageProperty Damage - Means Physical injury to tangible tangible tangible tangible

propertypropertypropertyproperty, including all resulting loss of use of that

property.

What is Slip & Fall Coverage Exactly?What is Slip & Fall Coverage Exactly?What is Slip & Fall Coverage Exactly?What is Slip & Fall Coverage Exactly?

• Any Automobile

• Employees where contributions are made by or required made by or required made by or required made by or required to be made by the insuredto be made by the insuredto be made by the insuredto be made by the insured under provisions of any Workers Compensation Law.

• Medical Malpractice and or Professional Liability.

Common Exclusions Common Exclusions Common Exclusions Common Exclusions ((((not limited to)not limited to)not limited to)not limited to)

1. A patient slips and falls on a loose piece of torn carpet

in the waiting room and suffers bodily injuries. The patient

seeks legal counsel and decides to proceed with action

against the clinic because of a “neglected hazard” for the

financial loss as a result of the slip and fall.

The Insurance Company will defend you subject to the

limits of the policy and it’s deductible.

Possible Claim Examples

2. A patient slips and falls on black ice in the parking lot of the

strip plaza where your practice is located. The fall causes

multiple broken bones in addition to the bodily injury, the

patient’s smart phone becomes damaged beyond repair. As a

result the patient files suit against the landlord of the plaza, you

the tenant (the reason for visiting the plaza), and the property

maintenance company responsible for clearing and salting the

parking lot for medical bills, lost wages due to missed work, and

the cost to replace their smart phone.

Possible Claim Examples

Your Insurance Company will defend you for your part in the law

suit for the Bodily Injury and Property Damage, subject to the

limits and deductible(s) applicable.

Possible Claim Examples

3. Your practice is located on the 5th floor of a 10 story office building.

building. A sink in your unit overflows and somehow causes water to

water to escape down the main drain line causing serious damage to

damage to the unit below. The damage to your unit is incidental and

incidental and easily mitigated by mopping up so no claim was made

made by you for damage to your contents/improvements.

As a result, the unit below files a claim on their own insurance policy.

policy. In this case we wait until the downstairs tenant or their

Insurance company comes looking for damage relief.

Possible Claim Examples

The property damage portion of your liability coverage is the portion of

your policy that will respond, subject to its limit and applicable

deductible.

Possible Claim Examples

Your Duties in the Event of OccurrenceYour Duties in the Event of OccurrenceYour Duties in the Event of OccurrenceYour Duties in the Event of Occurrence

Claim or Action Claim or Action Claim or Action Claim or Action - You must see to it that we (insurance company)

are notified promptly of an “occurrence” which may result in a

claim. This notice should include:

• How, When, and Where the “occurrence” took place

• Names and addresses of all injured persons and

witnesses

• If a claim is made or “action” is brought against any

insured, you must see to it that we (insurance

company) receive prompt written notice of the claim

or action.

Your Duties in the Event of Your Duties in the Event of Your Duties in the Event of Your Duties in the Event of OccurrenceOccurrenceOccurrenceOccurrence

Send copies of any demands, notices, summonses or legal

papers received in connection with the claim or action.

In the event of a claim NEVERNEVERNEVERNEVER voluntarily make a payment,

assume any obligation, or incur any expense, other than

first aid, without our (insurance company’s) consent. If

you do it will be at your own cost.

Tips to Help Prevent Slip and Fall Tips to Help Prevent Slip and Fall Tips to Help Prevent Slip and Fall Tips to Help Prevent Slip and Fall

Good housekeeping is the first and the most important

(fundamental) level of preventing slip and falls

• Clean all spills immediately

• Mark spills and wet areas

• Remove obstacles from walkways and always keep them

free of clutter

• Secure (tacking, taping, etc.) mats, rugs and carpets that

do not lay flat

Tips to Help Prevent Slip and Tips to Help Prevent Slip and Tips to Help Prevent Slip and Tips to Help Prevent Slip and FallFallFallFall

• Always close file cabinet or storage drawers

• Cover cables that cross walkways

• Keep working areas and walkways well lit

• Salt and clear snow during the winter months.

Even though you may have a

maintenance contract for snow

removal, it is a good idea to keep

some extra salt handy and

occasionally apply some to the areas

of the walkway or entrance to your

unit.

If you are responsible for

clearing/salting the property, keep a

log of when you clear and salt.

REMEMBER!

How to Complete My ApplicationHow to Complete My ApplicationHow to Complete My ApplicationHow to Complete My Application

Construction Details: Construction Details: Construction Details: Construction Details:

Buildings older than 20 years of age require updates. Almost always, they have been fully updated and up kept…

If you unsure of how to collect data – always try contacting your landlord, they will usually know more about the building and have

records of when updates where done.

Updates should always be complete, partial work to roof, heating, wiring and plumbing tend to be viewed as incomplete.

Who or What is a Loss Payee & Additional Insured?

A loss payee will usually be a financing company that you rent or

lease equipment from!

• If you rent or lease equipment you may be required to add the

company to your policy as loss payee, their legal name and

address, equipment description / lease number is required to

due so.

How to Complete My Application

An additional insured will usually be your landlord!

• They will require proof of commercial general liability

they may sometimes have limit requirements or request to be

added as additional insured to your policy, a legal name

address is required to due so.

How to Complete My Application

Payment Options

Credit Card

One pay, at time of binding or on

delivery of policy

*A credit card form provided in your new

business package

Cheque

One pay, at time of binding or on

delivery of policy

Monthly payment

Void cheque to be submitted at time of

binding along with a completed

payment

*A credit card form provided in your new

business package

Questions? Questions? Questions? Questions?

Presented by: Brokers Trust Insurance Group IncBrokers Trust Insurance Group IncBrokers Trust Insurance Group IncBrokers Trust Insurance Group Inc.Steve Campanella, Broker of Record Doriana Isaguirre, Program Co-Ordinator

Contact: 2780 Highway 7, Suite 201Concord, Ontario L4K 3R9T: 905.760.1515 Main F: 905.760.0240

Thank You!