Insurance Canadian Dentists' Insurance Program - by zhouwenjuan


									Canadian Dentists’ Insurance Program

TripleGuard                                                                                  Insurance

Fire, theft and lawsuits are just a few of the risks you face when operating
a dental practice. Such hazards can bring heavy financial burdens —
including the cost of replacing your office equipment and supplies, lost
income while your practice is closed and expenses and settlements
stemming from legal actions.
However, you can protect yourself from all these financial threats, with
a comprehensive plan called TripleGuardTM Insurance which combines
three types of office coverage in one convenient cost-effective package.
The TripleGuardTM Insurance plan provides you with office contents, practice
interruption and commercial general liability coverage for complete protection
of your office. Building owners can also gain protection for their practice
building for an additional premium under Building Insurance coverage.

Gain These Advantages
One low premium for “three-in-one” office coverage
Receive premium reductions when you insure multiple locations or add
Building Insurance
Special coverage included — such as earthquake and pandemic protection
Coverage for non-dental related services (such as spa services) is included
Gain coverage for your building’s structure for a competitive additional premium

If you have questions about the plan, or would like to obtain
no-cost insurance planning advice* from a licensed professional,
please call CDSPI Advisory Services Inc. toll-free:
1-877-293-9455, ext. 5002
Online, visit
* Restrictions may apply to advisory services in certain jurisdictions.
The TripleGuard™ Insurance plan is a part of the Canadian Dentists’ Insurance Program.
The Program is a member benefit of the CDA and participating provincial and territorial dental associations.
The plan is underwritten by Aviva Insurance Company of Canada.
How the TripleGuardTM Insurance Plan                                                    PAY nO DeDuCTIBle fOR ClAIMs OveR $5,000
                                                                                        The $1,000 deductible for office contents claims under the TripleGuard™
and the TripleGuardTM Insurance                                                         Insurance plan is waived on claims in excess of $5,000. This “pay no deductible”
Associate Package Protect Your Office                                                   feature does not apply to participants who have made three or more claims in
                                                                                        the past three years and who are assigned a deductible of $2,500.
The TripleGuard™ Insurance plan and the TripleGuard™ Insurance Associate                note: Independent of the deductible you have for other types of losses, in the
Package protect your office equipment and supplies, your income and your                event of loss or damage caused by earthquake, you pay a deductible for office
financial assets by providing three types of office coverage.                           contents and practice interruption claims that is a percentage of the total
The regular TripleGuard™ Insurance plan allows you to purchase insurance                amount of your office contents coverage.
amounts that meet your specific coverage needs. Additionally, the Building              British Columbia and Quebec: If the amount of insurance is $500,000 or less,
Insurance option is available with regular TripleGuard™ Insurance coverage for          the deductible for an earthquake claim is 5 per cent of the insured amount,
an extra premium. (A separate application must be submitted for the insurer’s           subject to a minimum $15,000 deductible (e.g. insurance amount = $400,000,
approval for Building Insurance coverage.)                                              deductible = $20,000). If the amount of insurance is greater than $500,000,
The TripleGuard™ Insurance Associate Package provides fixed amounts of office           the deductible for an earthquake claim is 10 per cent of the insured amount,
contents and commercial general liability coverage that meet most associates’           subject to a minimum $50,000 deductible (e.g. insurance amount = $800,000,
needs, at an economical premium. (Practice interruption coverage is unlimited.)         deductible = $80,000).
See 1B (on next page) for office contents coverage for the TripleGuard™                 All other provinces: for an earthquake claim, the deductible is 5 per cent of
Insurance Associate Package.                                                            the insured amount, subject to a minimum $5,000 deductible (e.g. insurance
                                                                                        amount = $350,000, deductible = $17,500).
1A. Office Contents Coverage for the TripleGuard™                                       GAIn COveRAGe fOR ADDITIOnAl RIsks
    Insurance Plan
                                                                                        Besides damage to the contents of your office, such as equipment, you will also
BROAD COveRAGe fOR YOuR OffICe COnTenTs                                                 have coverage in the event of losses caused by an insured incident (fire, theft,
Office contents coverage offers protection for items in your office that are            vandalism, etc.) in the following special categories of risk:
stolen, or damaged by fire, vandalism, or other insured incidents. Items† for           • valuable Papers (up to $25,000 coverage for reconstruction of your
the dental office and for non-dental related services (such as spa services)               patient records)
offered in conjunction with the dental practice are included. (If the insured           • Accounts Receivable (up to $25,000 coverage for reconstruction of records,
dentist does not own the corporation providing the non-dental related services,            uncollectible accounts and extra expenses of collection procedures)
separate coverage is required.)                                                         • extra expenses (unlimited* coverage for additional operating expenses you
† All dental equipment, leasehold improvements, drugs, supplies, furniture, fixtures,      may incur while your office is being restored, and to cover extra expenses
interior and exterior signage, office equipment, personal effects — and more —             incurred due to computer loss, damage or breakdown resulting from an
are included.                                                                              insured incident)
                                                                                        • Rental value (unlimited* coverage for your practice rent while office
                                                                                           restoration keeps you from practising in your usual premises)
Office contents coverage protects you against the costs of computer mishaps.            • Additional lease expense (unlimited* coverage for increased expenses if you
You are covered if your office computer equipment, software, or data gets stolen           have to sign a new lease at a higher monthly rate)
or damaged by an insured incident.
                                                                                        • Money and securities (up to $15,000 coverage)
CHOOse RePAIR, RePlACeMenT OR ReIMBuRseMenT                                             • Gold and Precious Metals (up to $25,000 coverage)
Under the plan, the insurer pays for repair or replacement, or you can choose to        • employee Dishonesty (up to $25,000 coverage for losses caused by staff and
be reimbursed for the depreciated value of the damaged items.                              up to $2,500 coverage for professional accounting fees to substantiate an
                                                                                           employee dishonesty loss)
PReMIuM ReDuCTIOns AvAIlABle                                                            • Counterfeiting (up to $25,000 coverage for counterfeit money orders and
You can obtain reductions on your TripleGuard™ Insurance premium when you                  paper currency)
insure multiple office locations or add Building Insurance. Receive a 10 per cent       • Depositor forgery (up to $25,000 coverage)
reduction when you add Building Insurance or insure two or more locations.              • Credit Card forgery (up to $5,000 coverage)
Reduced rates for multiple locations are applied to coverage billed under the           • Personal Property (included under office contents coverage: up to $5,000
same account.                                                                              coverage for damaged or stolen personal property belonging to dentists or staff)
                                                                                        * No specific dollar limit on coverage; claims payment is the amount of actual loss
lOCk RePlACeMenT InCluDeD
                                                                                        sustained, minus any applicable deductibles.
Receive up to $10,000 to replace office locks if the keys for the locks are stolen
                                                                                        In addition, you receive the following specialized coverages:
during a burglary or in conjunction with the theft of other property. The deductible
is also waived.                                                                         • fire extinguisher Recharge (up to $500 to recharge a portable fire
                                                                                          extinguisher that has been used to combat a covered fire)
                                                                                        • Arson Reward (a $5,000 reward for information leading to an arson
                                                                                          conviction in connection with a covered fire loss)
                                                                                        • elevator Collision (included under Office Contents coverage, insuring
                                                                                          specified property that is damaged by accidental collision with an object in
                                                                                          an elevator or with the elevator itself)
• Clean-up of Polluted Water and land (You’ll receive up to $1-million                Dental tools and equipment are covered for loss or damage resulting from theft,
  (aggregate annual coverage limit) for the clean-up of pollutants from               fire, vandalism, or other insured incidents. The insurer pays for repair or replace-
  water or land on your premises, if the release of pollutants is occasioned by       ment, or you can choose to be reimbursed for the items’ depreciated value.
  loss or damage to property insured at the premises under the office contents        Coverage under the TripleGuard™ Insurance Associate Package comes with a
  coverage caused by an insured peril (such as a fire), is sudden, unexpected         $1,000 deductible, but you do not pay any deductible for approved claims
  and unintended, and first occurs during the policy period)                          over $5,000.

Option                                                                                Associates who require a higher level of coverage may choose the regular
                                                                                      TripleGuard™ Insurance plan.
You can purchase additional coverage for Valuable Papers, Accounts Receivable,
Money and Securities, and Employee Dishonesty — see rate table for details.
                                                                                      2. Practice Interruption Coverage
ReCeIve AuTOMATIC InTeRIM COveRAGe fOR neW eQuIPMenT                                  PROTeCTIOn Of YOuR InCOMe* (This is not disability coverage)
You have a 30-day grace period to notify CDSPI and increase your coverage to          Practice interruption coverage covers fixed expenses and reimburses you for
accommodate newly acquired equipment worth up to $100,000, for equipment              loss of dental or non-dental related services income (up to a maximum period
located anywhere in Canada or the continental U.S.                                    of 12 months) when your use of your office is interrupted or interfered with for
                                                                                      one of the following reasons:
                                                                                      • Fire, theft, vandalism or other insured peril (including computer damage or theft)
Office contents not located at your practice (for instance, equipment in storage)     • Repairs in progress when your office is being restored after damage or loss
are also covered by the plan without you having to specify the location. Contents        from an insured peril
in any unnamed location in Canada or the continental U.S. are covered up to
                                                                                      • Lack of access when you are prohibited from entering the premises for a
$50,000 per location (and up to $10,000 outside these areas).
                                                                                         period not exceeding four weeks by order of police, fire department or other
InflATIOn fIGHTeR AuTOMATICAllY InCReAses YOuR COveRAGe                                  government authority when such order is given as a direct result of damage to
                                                                                         neighbouring premises that is caused by an insured peril
To help protect your office contents coverage against the unseen ravages of
                                                                                      • Loss or damage to your insured property due to an insured peril that impairs
inflation, the TripleGuard™ Insurance plan’s Inflation Fighter automatically
                                                                                         entry to or exiting from the premises
increases your coverage to keep up with inflation (currently about 3 per cent).
However, it’s always wise to purchase additional coverage above this amount if        • Damage to or destruction of any premises or equipment, that are within
you need to do so.                                                                       Canada and located away from your practice, due to an insured peril when
                                                                                         the interruption is at least 12 consecutive hours, up to a $100,000 maximum
Option                                                                                   (except losses due to damage to or destruction of off-premises poles, towers or
                                                                                         transmission or distribution lines which are covered up to a $10,000 maximum)
eQuIPMenT BReAkDOWn OPTIOn:                                                           • When a property (not owned or operated by you but which supplies, contracts
Choose additional protection                                                             with or assists your practice in any way) suffers loss or damage due to an
For an additional premium, you can cover mechanical or electrical equipment              insured peril which affects your practice or wholly or partially prevents the
such as patient chairs, X-ray equipment, copiers and more, for repair or                 acceptance of services you provide (up to a maximum coverage of $100,000
replacement needed due to a sudden and accidental breakdown of the                       at any one contingent premises)
equipment due to an insured peril. Losses are paid up to the amount of your           • Extraordinary insect and/or vermin infestation that causes the practice
office contents limit subject to a $1,000 deductible. If equipment breakdown             to close for four continuous normal working hours for fumigation
results in loss of income, you are compensated for loss after the first eight hours      and/or other pest control services, up to a $2,500 maximum
during which your business would normally have operated. (You are required to
provide for regular inspection and maintenance of equipment as recommended            BenefIT IMMeDIATelY WHen YOuR PRACTICe Is InTeRRuPTeD
by the manufacturer with a minimum annual inspection.)                                Unless specified, there is no waiting period for this coverage, and as soon as your
Even if equipment in your office is under warranty, it’s wise to consider             practice is interrupted, covered losses are insured.
purchasing the Equipment Breakdown Option. For example, suppose a power               PAnDeMIC OuTBReAk COveRAGe**
surge damages the motor in your only dental chair, rendering it inoperable.
Under the terms of your warranty, the motor may be repaired at no cost, but it        To help offset your income loss during a pandemic outbreak, the TripleGuard™
may take a number of days before a technician can perform the work. You can’t         Insurance plan’s practice interruption coverage automatically provides up to
practise until the chair is repaired. If you have purchased the Equipment             $1,000 per day after the first 24 hours (up to a $20,000 aggregate annual limit)
Breakdown Option, you may receive a loss payment to help reimburse your               when you are prohibited from entering your office by an order from a civil
income loss after the first eight hours of this downtime.                             authority or public health official.
                                                                                      For an extra premium, you can increase your pandemic outbreak coverage up to
1B. Office Contents Coverage for the TripleGuard™                                     $2,500 per day (up to an aggregate annual limit of $50,000) or up to $5,000
                                                                                      per day (up to an aggregate annual limit of $100,000).
    Insurance Associate Package
                                                                                      * Unless specified, there is no specific dollar limit on coverage; claims payment is the
The TripleGuard™ Insurance Associate Package includes a fixed amount of               amount of actual loss sustained, minus any applicable deductibles. A deductible applies
$15,000 of office contents insurance, covering dental tools and equipment.            for earthquake losses.
Coverage includes items used at the office and located elsewhere — for                ** Pandemic outbreak means an outbreak of an infectious disease resulting in serious
example, equipment in storage.                                                        illness that becomes prevalent over the human population throughout a region.
3. Commercial General Liability Coverage                                               PReMIuM ReDuCTIOns AvAIlABle
                                                                                       You can obtain reductions on your TripleGuard™ Insurance premium when you
$5-MIllIOn COveRAGe fOR InjuRY OR PROPeRTY DAMAGe TO A THIRD PARTY                     insure multiple office locations or add Building Insurance. Receive a 10 per cent
Commercial general liability coverage covers up to $5-million per claim (subject       reduction when you add Building Insurance or insure two or more locations.
annually to a $10-million general aggregate limit) in legal costs and damages if       Reduced rates for multiple locations are applied to coverage billed under the
personal injury to others or damage to a third party’s property arises out of your     same account.
dental practice (excluding malpractice).
                                                                                       COveReD elseWHeRe, BuT lOOkInG fOR A COMPeTITIve QuOTe In
BenefIT fROM leGAl RePResenTATIOn                                                      THe fuTuRe?
The insurer provides legal representation for the insured and covers all approved      If it will be several months until the building insurance coverage that you have
legal costs.                                                                           elsewhere will be due for renewal, you can contact CDSPI Advisory Services Inc.
                                                                                       today and tell us your renewal date. That way, we can send you a Building
PROTeCT YOuR PeRsOnAl AnD COMPAnY AsseTs                                               Insurance application within 60 days of your renewal date.
If your practice is incorporated, your insurance covers both you and your
company (it should also be named in your application) up to a combined total           Options
equal to your coverage limit, if named in a lawsuit.                                   eQuIPMenT BReAkDOWn OPTIOn:
ReCeIve uP TO $1-MIllIOn In POlluTIOn lIABIlITY COveRAGe                               The standard Building Insurance coverage protects your electrical, mechanical
                                                                                       and other building equipment against loss or damage from incidents such as fire
If you are named in a liability lawsuit alleging personal injury or property damage
                                                                                       and flood, but not damage resulting from breakdown of equipment. However, you
due to an incident where pollutants are released from your dental practice,
                                                                                       can gain additional protection for equipment and your building by adding the
TripleGuard™ Insurance will provide up to $1-million (aggregate annual coverage
                                                                                       Equipment Breakdown Option, which is available for an extra premium.
limit) toward legal fees and damage awards. For the coverage to apply, the release
of pollutants must have been unexpected and unintended, and must not have              The Equipment Breakdown Option covers against loss or damage due to sudden
occurred in a quantity or quality that is routine or usual to your business. The       and accidental breakdown of boilers, pressure vessels, mechanical and electrical
pollution incident must be discovered within 120 hours of the commencement of          equipment, air conditioning units and refrigerating units, and data processing,
the discharge and reported to the insurer within 120 hours of discovery.               computing and electronic equipment.
                                                                                       With this option, property losses are paid up to the amount of your building
Building Insurance under                                                               insurance limit subject to a deductible. If equipment breakdown results in a loss
                                                                                       of income, you are compensated up to the limit specified on your Memorandum
TripleGuard™ Insurance                                                                 of Insurance.
GAIn COveRAGe fOR YOuR BuIlDInG’s sTRuCTuRe                                            exTenDeD RenTAl InCOMe OPTIOn:
Building Insurance under TripleGuard™ Insurance provides coverage against              If you rent out part of your building, consider adding the Extended Rental Income
insured perils such as fire and water damage for your building’s structure             Option, available for an extra premium. It protects you when damage from
(e.g. walls and roofing). Additions and extensions (e.g. garages), permanent           insured perils, including fire and vandalism, result in a loss of rental income. The
fittings and fixtures (e.g. garage doors and awnings), maintenance materials,          Extended Rental Income Option provides coverage up to the amount stated on
equipment and supplies on the building premises (e.g. lawnmowers and                   your Memorandum of Insurance to cover up to 100 per cent of the gross annual
sprinklers), and growing plants, trees, shrubs or flowers inside the building          rental income you receive, as well as the fair rental value for the proportion of the
are also covered. (Outbuildings and any other fully detached buildings are not         building that you occupy.
covered unless they are listed on your Memorandum of Insurance.)
                                                                                       For insured perils, the Extended Rental Income Option may provide special
InCluDes COMMeRCIAl GeneRAl lIABIlITY COveRAGe                                         coverage for rental income losses stemming from earthquake, flood and sewer
                                                                                       back-up (depending on whether these coverages are available to you, based
Building Insurance provides up to $5-million per claim (subject annually to a          on the risk assessment for your building). Your Memorandum of Insurance will
$10-million general aggregate limit) for your liabilities as building owner, such as   indicate whether you are insured for these coverages under your Extended Rental
paying legal costs and damages if others are injured (excluding malpractice) or        Income Option and will list the limits of your coverage and deductibles that apply.
their property is damaged due to an incident in your dental practice building.

CHOOse YOuR DeDuCTIBle                                                                 GAIn ADDITIOnAl PROTeCTIOn — AT nO exTRA COsT
You’ll also be asked to select a deductible at the time of application (the            You also receive coverage for the following special categories of risk:
pre-agreed amount that you are responsible for paying in the event of a loss           • Removal (provides coverage for up to seven days for property which has been
before the insurer makes any claim payments). You can choose one of three                 removed from the insured location in order to prevent loss or damage or
deductibles: $1,000, $2,500 or $5,000. Selecting a higher deductible will reduce          further loss or damage to it)
the building insurance premium that you pay.                                           • Debris Removal (up to 25% of the total loss amount payable is provided to
                                                                                          cover expenses incurred in the removal of debris from the insured property
                                                                                          following an insured loss)
                                                                                       • Removal of Windstorm Debris (covers expenses incurred to remove debris or
                                                                                          items that have been blown onto the insured property by a windstorm)
                                                                                       • Growing Plants, Trees, Shrubs or Flowers In The Open (up to $500 is provided
                                                                                          for each damaged item including debris removal expense)
sPeCIAl COveRAGes — GlAss, sIGnAGe, eARTHQuAke, flOOD, seWeR
BACk-uP, BuIlDInG BY-lAWs AnD RePlACeMenT COsT                                          Annual Premium Rates and
Subject to insurer approval, your Building Insurance may include the following          Insurance limits
special coverages, which are explained below. Your Memorandum of Insurance
                                                                                        Provincial taxes are extra where applicable under provincial laws. Your
will indicate whether your building is insured for these coverages and list the
                                                                                        TripleGuard™ Insurance premium is based on the amount of office contents
limits of your coverage and deductibles that apply.
                                                                                        coverage required, and automatically includes unlimited practice interruption
• Replacement Cost — your damaged property will be replaced with a similar              and $5-million* of commercial general liability coverage.
   kind and quality without any deduction for depreciation
                                                                                        * Unless a lower limit is shown on your Memorandum of Insurance.
• Glass and Signs — covers loss or damage to exterior glass due to breakage
   or chemicals being accidentally or maliciously applied and provides coverage         BuIlDInG DefInITIOns fOR DeTeRMInInG PReMIuM RATes
   for expenses to board up damaged openings. Includes coverage for loss or
                                                                                        fire-Resistive and non-Combustible: Any building constructed entirely of
   damage to signs you own
                                                                                        non-combustible materials, e.g. steel.
• Building By-laws — covers any increase in cost to repair, replace, construct or
   reconstruct the insured building on the same site or an adjacent site in order to    All Other Construction: A frame building, a masonry building with brick or
   meet minimum by-law requirements that are in force at the time of the insured loss   concrete walls and wood-joist roof or wood in floors, or a building constructed
• Earthquake — insures against damage caused by earthquake, or other                    with any combustible materials.
   earth movements occurring concurrently with and directly resulting from an
                                                                                                       TRIPleGuARD™ InsuRAnCe AssOCIATe PACkAGe
   earthquake shock
• Flood — covers loss or damage caused directly by flood (such as from tidal                         COVERAGE                                          ANNUAL PREMIUM
   waves or the breaking out of any body of water, natural or man made)                    $15,000 of office contents, $5-million of
• Sewer Back-up — protects against loss or damage caused directly by the                   commercial general liability, and unlimited
   backing-up of sewers, sumps, septic tanks or drains                                     practice interruption coverage ($1,000 deductible)              $507.76

TO APPlY fOR BuIlDInG InsuRAnCe:                                                        Premiums for higher office contents coverage are shown on the following page.

Simply contact a service representative to request an application. When you                                PAnDeMIC OuTBReAk exTensIOn unDeR
return the completed application, if you are approved for coverage, you will                                 PRACTICe InTeRRuPTIOn COveRAGe
receive a no-obligation quote within two to three weeks after your completed                      COVERAGE LIMIT                                    ANNUAL PREMIUM
application is received. The quote is valid for up to 60 days after it has been
delivered to you. If you accept coverage for the premium quoted, you will be               up to $1,000 per day (up to a $20,000                  provided automatically
                                                                                           annual aggregate limit)                                  at no extra charge
invoiced subsequently. Coverage will not become effective before the receipt of
the insurer’s approval and your acceptance of the premium quotation.                       up to $2,500 per day (up to a $50,000
                                                                                           annual aggregate limit)                                         $304.16
In order to obtain Building Insurance you must have coverage under the standard
TripleGuard™ Insurance plan, or apply for it at the time you submit your Building          up to $5,000 per day (up to a $100,000
                                                                                           annual aggregate limit)                                         $608.32
Insurance application. (Coverage under the TripleGuard™ Insurance Associate
Package does not qualify.)
                                                                                                                eQuIPMenT BReAkDOWn OPTIOn

Conditions and limitations                                                                 Additional annual premium ($1,000 deductible)                   $224.80

Coverage does not apply to claims arising from damage to or misuse of data,             seleCT ADDeD seCuRITY
or to claims arising from terrorist acts or activities to prevent or respond to
such acts. Mould/fungi, asbestos and other exclusions also apply. Additionally,         You can also benefit from greater protection by selecting from the following
if you purchase the Building Insurance option and your building contains any            coverage areas (not available to TripleGuard™ Insurance Associate Package
fire detection or extinguishing systems or intrusion detection systems, you are         participants):
responsible for notifying the insurer immediately about any known interruptions,
                                                                                                           ADDITIOnAl OffICe COnTenTs COveRAGe
flaws or defects or any cancellation or non-renewal of monitoring or maintenance
contracts for these systems. Details, terms, conditions and exclusions are set out                   CATEGORY                   BASIC COVERAGE      ANNUAL PREMIUM FOR
                                                                                                      OF RISk                      PROVIDED           EACH ADDITIONAL
in the certificate booklet for the TripleGuard™ Insurance plan.                                                                  AUTOMATICALLY        $1,000 COVERAGE
                                                                                           Valuable Papers, including
eligibility                                                                                files and patients’ records
                                                                                               Accounts Receivable
                                                                                                                                                            $ 3.39
                                                                                                                                                            $ 3.39
You are eligible for TripleGuard™ Insurance if you are a licensed dentist resident            Money and Securities
in Canada who is a member of the CDA or a participating provincial or territorial          (subject to a maximum of
dental association. (As the Quebec provincial association does not participate,             $25,000 total coverage)                $15,000                  $45.70
Quebec dentists must be members of the CDA to apply for or increase coverage                   Employee Dishonesty
under this plan.)                                                                          (subject to a maximum of
                                                                                            $75,000 total coverage)                $25,000                  $11.00
Participants in the TripleGuard™ Insurance Associate Package must be an
associate when applying for coverage.
                                         you in .
                               tion when Insurance
                         reduc uilding
                pr emiums or add B                                                   TRIPleGuARD™ InsuRAnCe AnnuAl PReMIuM
        a 10% cation
 eceivele office lo
R ip                                                                                     $1,000 DEDUCTIBLE AND $2,500 DEDUCTIBLE*
 mult                     OFFICE                         ALL PROVINCES & TERRITORIES EXCLUDING BRITISH COLUMBIA EARTHQUAkE zONES                                        BRITISH COLUMBIA EARTHQUAkE zONES†
                         COVERAGE                         FIRE-RESISTIVE & NON-COMBUSTIBLE                 ALL OTHER CONSTRUCTION                  FIRE-RESISTIVE & NON-COMBUSTIBLE                   ALL OTHER CONSTRUCTION

                     $ 50,000                                       $ 730.24                                    $ 836.31                                      $ 760.66                                     $ 871.16
                        55,000                                         746.74                                      857.32                                        778.96                                       894.32
                        60,000                                         763.27                                      878.35                                        797.24                                       917.47
                        65,000                                         779.78                                      899.34                                        815.49                                       940.62
                        70,000                                         796.26                                      920.38                                        833.77                                       963.80
                        75,000                                         812.77                                      941.37                                        852.09                                       986.94
                        80,000                                         829.27                                      962.37                                        870.33                                     1,010.11
                        85,000                                         845.77                                      983.40                                        888.60                                     1,033.28
                        90,000                                         862.27                                    1,004.41                                        906.86                                     1,056.44
                        95,000                                         878.77                                    1,025.44                                        925.17                                     1,079.72
                       100,000                                         895.29                                    1,046.49                                        943.43                                     1,102.74
                       105,000                                         905.97                                    1,059.48                                        961.39                                     1,124.34
                       110,000                                         916.66                                    1,072.53                                        979.38                                     1,145.96
                       115,000                                         927.36                                    1,085.53                                        997.36                                     1,167.53
                       120,000                                         938.03                                    1,098.57                                      1,015.31                                     1,189.10
                       125,000                                         948.73                                    1,111.58                                      1,033.30                                     1,210.72
                       130,000                                         959.46                                    1,124.58                                      1,051.26                                     1,232.31
                       135,000                                         970.11                                    1,137.61                                      1,069.24                                     1,253.91
                       140,000                                         980.84                                    1,150.64                                      1,087.25                                     1,275.52
                       145,000                                         991.52                                    1,163.66                                      1,105.23                                     1,297.09
                       150,000                                       1,002.28                                    1,176.66                                      1,123.25                                     1,318.68
                       155,000                                       1,011.15                                    1,186.75                                      1,139.97                                     1,337.90
                       160,000                                       1,020.01                                    1,196.78                                      1,156.70                                     1,357.12
                       165,000                                       1,028.89                                    1,206.81                                      1,173.42                                     1,376.33
                       170,000                                       1,037.74                                    1,216.88                                      1,190.14                                     1,395.56
                       175,000                                       1,046.60                                    1,226.97                                      1,206.91                                     1,414.76
                       180,000                                       1,055.49                                    1,236.98                                      1,223.61                                     1,433.96
                       185,000                                       1,064.33                                    1,247.05                                      1,240.34                                     1,453.18
                       190,000                                       1,073.21                                    1,257.12                                      1,257.05                                     1,472.39
                       195,000                                       1,082.04                                    1,267.17                                      1,273.78                                     1,491.59
                       200,000                                       1,090.95                                    1,277.29                                      1,290.50                                     1,510.93
                       205,000                                       1,101.42                                    1,291.04                                      1,306.43                                     1,531.42
                       210,000                                       1,111.92                                    1,304.83                                      1,322.36                                     1,551.88
                       215,000                                       1,122.39                                    1,318.58                                      1,338.28                                     1,572.37
                       220,000                                       1,132.88                                    1,332.40                                      1,354.21                                     1,592.84
                       225,000                                       1,143.36                                    1,346.15                                      1,370.17                                     1,613.33
                       230,000                                       1,153.87                                    1,359.93                                      1,386.10                                     1,633.84
                       235,000                                       1,164.33                                    1,373.71                                      1,402.05                                     1,654.29
                       240,000                                       1,174.81                                    1,387.49                                      1,417.98                                     1,674.79
                       245,000                                       1,185.29                                    1,401.25                                      1,433.90                                     1,695.26
                       250,000                                       1,195.75                                    1,415.10                                      1,449.84                                     1,715.77
                       255,000                                       1,204.72                                    1,427.01                                      1,464.10                                     1,734.29
                       260,000                                       1,213.73                                    1,438.97                                      1,478.40                                     1,752.83
                       265,000                                       1,222.71                                    1,450.91                                      1,492.69                                     1,771.34
                       270,000                                       1,231.72                                    1,462.85                                      1,506.97                                     1,789.83
                       275,000                                       1,240.72                                    1,474.82                                      1,521.26                                     1,808.35
                       280,000                                       1,249.70                                    1,486.74                                      1,535.54                                     1,826.88
                       285,000                                       1,258.71                                    1,498.69                                      1,549.81                                     1,845.36
                       290,000                                       1,267.72                                    1,510.65                                      1,564.09                                     1,863.89
                       295,000                                       1,276.73                                    1,522.56                                      1,578.38                                     1,882.41
                       300,000                                       1,285.70                                    1,534.56                                      1,592.63                                     1,900.84
                       305,000                                       1,295.71                                    1,547.62                                      1,608.39                                     1,921.13
                       310,000                                       1,305.68                                    1,560.73                                      1,624.17                                     1,941.39
                       315,000                                       1,315.68                                    1,573.78                                      1,639.95                                     1,961.64
                       320,000                                       1,325.70                                    1,586.84                                      1,655.69                                     1,981.94
                       325,000                                       1,335.66                                    1,599.93                                      1,671.47                                     2,002.19
                       330,000                                       1,345.68                                    1,612.99                                      1,687.26                                     2,022.48
                       335,000                                       1,355.67                                    1,626.09                                      1,703.02                                     2,042.74
                       340,000                                       1,365.67                                    1,639.16                                      1,718.80                                     2,063.01
                       345,000                                       1,375.65                                    1,652.22                                      1,734.56                                     2,083.27
                       350,000                                       1,385.68                                    1,665.35                                      1,750.30                                     2,103.61
                    Per additional
                 $5,000 of coverage:                                     $14.14                                      $18.17                                       $15.63                                        $20.06
          Due to a greater earthquake risk, premiums are slightly higher in British Columbia earthquake zones.
         * Note: If you have had three or more TripleGuard™ Insurance claims in the past three years, your deductible will increase to $2,500 for future losses. Contact CDSPI’s Claim Support Centre at extension 5015 for details.

                                                                                                                                                                                                                                12-09 12/11

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