‘Your Own’ Office Policy

The Canadian Prairies offer a tremendous base for many companies. 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 packed into Your Own Office 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 Office 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
Building Bylaws
Building Damage by Theft
Contents at Temporary Locations
Debris Removal (In excess of the amount of insurance)
Electronic Data Processing Equipment & Media Including Systems Breakdown
Exterior Paving
Extra Expense
Fine Arts
Fire Department Expenses
Fire Suppression System Recharge
‘Green’ Environment Extension
Growing Plants Trees Shrubs or Flowers in the Open
Inflation Protection
Master Key / Lock Repair or Replacement
Mortgage Rate Guarantee
Newly Acquired Locations
Newly Acquired Property
Off-Premises Utilities Interruption
Parcel Post
Personal Property of Officers, Employees, Volunteers & Visitors
Professional Fees
Property in Transit
Removal of Windstorm Debris
‘Safety Net’ Clause
Product in the Possession of a Sales Representative
Sign Coverage
Valuable Papers

Consider Adding these Extras

Sewer Backup
Equipment Breakdown
Flood
Earthquake
Actual Loss Sustained (Profits)

Click Here to download – Your Own Office Policy PDF