‘Your Own’ Retail Policy

Retailers are the economic engine of the Prairies. 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 Retail 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 Retail 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
Brands & Labels
Building Bylaws
Building Damage by Theft
Contents at Temporary Locations
Contents in Transit
Conviction Reward
Debris Removal
Electronic Data Processing Equipment & Media Including Systems Breakdown
Exhibition Extension
Exterior Building Glass
Exterior Paving
Extra Expense
Fine Arts
Fire Department Expenses
Fire Suppression System Recharge
Furs, Fur Garments, Jewels, Jewellery, Costume Jewellery, Watches & Precious Stonestd>
‘Green’ Environment Extension
Growing Plants Trees Shrubs or Flowers in the Open
Inflation Protection
Land & Water Pollution Clean-up
Master Key / Lock Repair or Replacement
Mortgage Rate Guarantee
Newly Acquired Locations
Newly Acquired Property
Off-Premises Utilities Interruption
Parcel Post
Peak Season Increased Stock Coverage
Personal Property of Officers, Employees, Volunteers & Visitors
Product in the Possession of a Sales Representative
Professional Fees
Property in Transit
Removal of Windstorm Debris
‘Safety Net’ Clause
Sign Coverage
Stock Spoilage
Valuable Papers

Consider Adding these Extras

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

Click Here to download – Your Own Retail Policy PDF