‘Your Own’ Contractor Policy

Contractors are the lifeblood of progress in Manitoba and Saskatchewan. We should know, we’re fortunate enough to live and work here too. Red River Mutual is owned by its policyholders. We invite you to own a piece of our company by allowing us to protect yours.

Ask your Broker to explain all of the extra coverages into Your Own Contractor Policy.

Applicable Extensions

Every Red River Mutual commercial package includes an additional bundle of more than 50 extensions that provide over $1,000,000 in extra coverage to meet your unique business needs.

Below are some of the key extensions we added to Your Own Contractors Policy:

3D Crime Coverage

  • Employee Dishonesty
  • Loss Inside the Premises
  • Loss Outside the Premises
  • Money Orders and Counterfeit Paper Currency
  • Depositors Forgery
  • Computer Theft and Funds Transfer
Accounts Receivable
Conviction Reward
Debris Removal
Electronic Data Processing Equipment & Media Including Systems Breakdown
Exterior Building Glass
Exterior Paving
Extra Expense
Fire Department Expenses
Fire Suppression System Recharge
‘Green’ Environment Extension
Inflation Protection
Installation Floater
Land & Water Pollution Clean-up
Master Key / Lock Repair or Replacement
Mortgage Rate Guarantee
Newly Acquired Locations
Newly Acquired Property
Off-Premises Utilities Interruption
Professional Fees
Property in Transit
Removal of Windstorm Debris
Rental Equipment Reimbursement
‘Safety Net’ Clause
Same Site Rebuilding Clause Deleted
Tool Floater with 5yr Replacement Cost
Valuable Papers

Consider Adding these Extras

Sewer Backup
Equipment Breakdown Coverage
Contractors Equipment with 5yr Replacement Cost (if coverage is purchased)
GuarContractors Equipment – Ice and Muskeg Coverage

Click Here to download – Your Own Contractor Policy PDF