Realty Plus and Realty Plus Enhanced

Two great products to protect you better!  Select which one best meets your insurance needs.


⪧ Minimum $5,000 on Commercial Property and $1,000,000 Commercial General Liability

⪧ No more than one loss exceeding $10,000 or 2 losses of any size within the last 3 years

⪧ Buildings over 35 years old must be upgraded to current standards and building codes

⪧ Minimum 3 years in business

⪧ Maximum $5,000,000 annual gross receipts

⪧ Maximum 10% foreign sales

⪧ Operations restricted to within Canada

Coverages and Limits

  Realty Plus Realty Plus Enhanced
Property Coverages Limits Limits (Part I)
Building By-Laws Included Included
Consequential Loss 25,000 Included
Glass 50,000 Included 
Personal Property of Employees 500 each 1,000 each
Removal/Protection of Property  7 days 30 days
Replacement Cost
No same site requirement
Included Included
  Specified Limits Blanket Limit 500,000 (Part II)
Accounts Receivable 50,000 Included
Automatic Fire Suppression Systems Recharge Expense 25,000  Included
Broad Form Amendment Not Covered Included
Computer Form 25,000 Included
Damage to Buildings By Burglary or Robbery 10,000 Included
Environmental Improvements
Maximum 125% of Replacement Cost
Not Covered Included
Expediting Expenses Not Covered Included
Extra Expense 25,000 Included
Fine Arts
Maximum 2,500 any one item, pair or set
25,000 Included
Fire Department Charges 25,000 Included
Growing Plants 500 each,
10,000 aggregate
1,000 each,
Home Office Extension Not Covered Included
Leasehold Interest 25,000 Included
Master Key 10,000 Included
Professional Fees 25,000 Included
Roadways, Walkways, Parking Lots Not Covered Included
Valuable Papers 50,000 Included
  Limits Limits (Part III)
Arson Reward Coverage Not Covered 10,000
Condo Unit Owners Extension
- Contingent Insurance
Not Covered 25,000
Condo Unit Owners Extension
- Improvements & Betterments
Not Covered 25,000
Condo Unit Owners Extension
- Loss Assessments
Not Covered 25,000
Contents Loaned, Rented or Leased Not Covered 25,000
Deferred Sales Not Covered 25,000
Exhibition Floater 25,000 25,000
Gross Rents 100,000 250,000
Inflation Protection 3% 3%
Land and Water Pollution Clean-Up Not Covered 25,000
Newly Acquired Locations - Buildings 30 days 500,000 60 days 1,000,000
Newly Acquired Locations - Contents 30 days 250,000 60 days 500,000
Off Premises Power/Services Interruption Power only 25,000 Power, heat, water, 25,000
Other Transit 25,000 25,000
Prohibited Access by Civil Authority, Extra Expense & Profits Forms 2 weeks 30 days
Sales Representative 10,000 10,000
Signs 10,000 25,000
Temporary Locations 25,000 25,000
Crime Coverages Limits Limits (Part IV)
Employee Dishonesty Form A 5,000 10,000
Broad Form Money & Securities 5,000 10,000
Money Orders and Counterfeit Paper Currency 5,000 10,000
Depositor's Forgery 5,000 10,000
Loss Inside the Premises Overnight Limitation 500 500
Subject to terms, conditions and exclusions of the policy.

Contact your independent insurance broker for other eligibility and minimum insurance requirements.


Payment Plans

When you buy insurance from Peace Hills, you can choose from three convenient payment plans.

Click here to learn more.


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