Business Choice Renewal Quote
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1 Business Choice Renewal Quote To: Amanda Shyhinskyj HUB International HKMB Limited From: Alice Chung Sony Pictures Entertainment Inc., as per endorsement 133 Yonge Street Suite 1 Toronto, ON M4T 1W6 Policy No: CBC Ratebook: 644 Form Of Business: Corporation Effective Date: Nov 1, 213 Total Premium: $ 22, Expiry Date: Nov 1, 214 Description of Operations: Motion picture production and distribution Underwriter: Alice Chung Client IBC Code: Motion Picture - Production Incl. Commercials Opening Comments:
2 About Your Northbridge Insurance Business Choice Policy Why choose Northbridge Insurance? With a long and trusted history in Canada serving Canadian companies like yours, Northbridge Insurance understands the risks you face and can provide the tailor-made solution you need. With Northbridge Insurance you get industry-leading underwriting and claims services in your region, value-added risk services support, and solid coverage from a financially stable Canadian insurer*. We understand your business and believe in a close and collaborative partnership with you and your insurance broker to meet all of your needs. Industry-leading protection, tailor-made to your business Your Business Choice policy, presented in the following pages and summarized on the Coverage Features sheet, was developed with your insurance broker and is specially designed for the Canadian business environment. The full Business Choice policy provides optional coverage for risks such as damage to property, equipment breakdown, business interruption, commercial general lliability, and more, allowing you to get on with running your business. In addition to the many automatic extensions we have traditionally provided, we have recently updated our wording with many new and exciting coverages. Here are some highlights: Global deductible Property: Extensions such as Product Recall Expense, Environmental Upgrade, Cyber Event Expense and more Business Income: automatic 12 month Period of Indemnity, and Negative Publicity and Outbreak Extra Expense extensions CGL: now includes Employee Benefits liability and a Fungi and Spores sub-limit Non-Owned Auto: automatic limit for Damage to Hired Auto Crime: automatic coverage (as long as Property coverage is purchased) for Employee Dishonesty, Money and Securities and more More than just a policy When you choose us as your insurance partner, you are getting much more than just a great policy*. You re getting the benefits of a specialized team who will work alongside you and apply their expertise to protect your business. Risk Management support, through our knowledgeable Risk Services team, can help you improve safety, reduce downtime, losses and liability claims. Experienced, responsive, claims professionals in your area, ready to help you minimize the impact of a loss on your business. A strong working partnership with your insurance broker to keep your needs front and centre. We make it easy for you and your broker to do business with us and to ensure you are best served in today s competitive marketplace. Contractor s Equipment: now includes Replacement Cost for equipment up to 3 years old and provides an extension for Loss of Income ed1E Trademark of Northbridge Financial Corporation ( Northbridge ). Used under licence from Northbridge. * Policies underwritten by Northbridge General Insurance Corporation. The information in this brochure is only an outline of the coverage available, and is subject to the terms, conditions and exclusions of your policy. Please refer to your policy wording for complete details.
3 Business Choice Coverage Features Offering comprehensive insurance coverage* for your business. Business Choice Policy offers: Property Insurance Business Income Insurance Equipment Breakdown Coverage Inland Marine Insurance Crime Coverage Commercial Automobile Coverage Garage Automobile Coverage Commercial General Liability Insurance Non-Owned Automobile Liability Umbrella Liability Insurance Excess Liability Insurance Directors & Officers Insurance Errors & Omissions Insurance About Northbridge Insurance Northbridge Insurance provides a broad array of insurance solutions to Canadian businesses through our broker partners. Our focus on building expertise in industry sectors ensures that you get the best products and service available from people who know your business. From the simple to the complex, Northbridge Insurance can provide the right solution to deliver greater success for your business. Northbridge General Insurance Corporation is a Canadian company, and a wholly owned member of the Fairfax Financial Holdings Limited group of companies. We have a solid foundation from which to serve you and are rated 'A' Excellent by AM Best and 'A-' by Standard and Poor's. Policy Level 3 day cancellation clause Global deductible Property Coverage Replacement cost with same site clause amended Sewer backup (subj. min. $2,5 deductible) Extensions of Coverage Newly acquired or constructed buildings (9 day reporting) $1,, Newly acquired business personal property (9 day reporting) $5, Personal effects (including volunteers) $2,5 Per person/ $25, per policy year Accounts receivable $1, Valuable papers $1, Property off-premises $25, Property in transit $25, Parcel post $1, Growing plants, lawns, trees, shrubs and flowers $1, per occurrence Glass (excluding stained glass) Debris removal Lesser of up to 25% of the loss amount/$5, Removal of windstorm debris $5, Pollutant cleanup and removal $5, Fire department service charges $5, Protection of property up to 3 days Fine arts $25, Building damage by theft $1, Professional fees 1% of total loss; subject to max. $1, Automatic fire suppression system recharge expenses $25, EDP equipment, data and media breakdown $5, Automatic inflation adjustment Consequential loss (on/off premises) $5, Building by-laws Installation floater $25, Peak season 25% ON STOCK Tenants leasehold interest - rents $1, Property of tenants or registered guests of a hotel or apartment or members, guests and residents of health care facilities $1, per occurrence/ $5, per aggregate Roadways, walkways, and parking lots $5, Outdoor property $25, Master key coverage $1, Trademark of Northbridge Financial Corporation ( Northbridge ). Used under licence from Northbridge. * Policies underwritten by Northbridge General Insurance Corporation. The information in this brochure is only an outline of the coverage available, and is subject to the terms, conditions and exclusions of your policy. Please refer to your policy wording for complete details.
4 Property Coverage Continued Condominium unit coverage Loss assessment $1, Contingent building coverage $25, Rewards $1, Furs, fur garments, jewels and jewellery $5, Environmental upgrade Lesser of 25% of total direct loss or $25, Deferred payment plan (stock) $5, Brands and labels $1, Top-up extension $5, aggregate Extra expense/expediting expense $5, Product recall expense $25, Cyber event expense $25, Equipment Breakdown Coverage Provides comprehensive coverage for pressure vessels including: Ammonia contamination $1, Hazardous substance $1, Water damage $1, Business Income Coverage No co-insurance form 12-month period of indemnity Extensions of coverage Retailers product impairment $1, Contingent business income $25, Off premises heat, power, gas, water or communication services $25, Accountants fees $25, Civil authority 3 DAYS Newly acquired locations $25, Non owned heat, power, gas, water or communication services $25, Mortgage rate guarantee $25, Fines, damages or penalties for breach of contract $25, Negative publicity $1, (48 hour waiting period) Outbreak extra expense $1, Crime Insurance (if Property Coverage is selected) Money & securities $1, Employee dishonesty $1, Credit card forgery, forgery or alteration, money order and counterfeit paper currency, and computer fraud and funds transfer fraud Extensions of coverage $1, per coverage Professional fees 25% of the loss/ max. $1, Third party employee dishonesty $5, Commercial General Liability Insurance Offers insurance on an occurrence basis. Standard features include: Products and completed operations aggregate Personal and advertising injury liability General aggregate All risks tenants' legal liability $5, (blanket all locations) Medical payments $25, Per person Employee benefits $1,, Fungi and spores liability $25, Contingent employers liability Contractual liability Incidental medical malpractice Automatic coverage for newly acquired subsidiaries (9 day reporting) Separation of insureds, cross liability Broad form property damage Employees and volunteer workers and unit owners of condominiums as additional insureds Blanket additional insureds (as required by contract) Pollution exclusion with hostile fire exception (includes accidental discharge of fuels or lubricants from mobile equipment) Non-Owned Automobile Liability SEF #96 Contractual liability SEF #99 Excluding long term leased vehicles OEF #98B (for Ontario Risks) SEF #94 Legal liability for damage to hired automobiles endorsement $75, any one accident Inland Marine Coverage Offers a variety of coverages including: Contractors equipment Installation floater Motor truck cargo ed1E
5 Policy Coverages Coverage 9 Day Cancellation Clause Title: Named Insured The full name of the Insured shall read as follows: Sony Pictures Entertainment Inc., Sony Pictures Home Entertainment Canada Ltd., Columbia Pictures Industries Inc. dba Sony Pictures Releasing Canada, Screen Gems (Canada) Limited, Pico Productions (BC) Limited, Cliffwood Productions Ltd., Branti Film Productions Ltd., Catch & Release Productions Ltd., Canada Blue Productions Ltd., Mandeville Productions BC Ltd. and all Canadian corporations, companies, subsidiaries, divisions, partnerships, joint ventures, organizations, entities and enterprises now existing or hereafter created or acquired which are owned, financially controlled or managed by or on behalf of the Named Insured. Title: Currency Clause Section 9 of General Provisions, Conditions, Exclusions and Definitions is deleted and replaced by the following: 9. Currency Clause All limits of insurance, premiums and other amounts as expressed in this Policy are in the currency of the United States of America. Title: Description of Operations The Description of Operations shall read as follows: Motion picture production & distribution; television production & distribution; digital content creation & distribution; worldwide channel investments; home entertainment acquisition & distribution; operation of studio facilities; development of new entertainment products, services & technologies and distribution of filmed entertainment. Comments: Part V - Umbrella Coverage Form Limit Ded. Total: $ 22, Rate Premium Umbrella Liability 1,, 1, 22, Aggregate Limit: 1,, Exclusion - Restricted Territory CBC 527 Follow Form-Care Custody Control Real Property Inc CBC 5 Pro Rata Title: Notice of Cancellation to specified third parties 3 days notice of cancellation will be given to: 1) Citibank (West) FSB, 21 W. Lexington Drive, Glendale, CA 9123; 2) The City of Surrey, th Avenue, Surrey, B.C. V3X 3A2; 3 Days Written Notice of Material Change or Cancellation will be given to: Corporate Insurance and Bonds Manager, Ministry of Transportation & Infrastructure, P.O. Box 985, Stn Prov Govt, Victoria BC V8W 9T5. Pro Rata Title: Personal and Advertising Injury Liability Follow Form This endorsement modifies insurance provided under PART V Umbrella Liability as follows: This policy shall not apply to any "personal and advertising injury" liability unless insurance therefore is provided by a policy listed in the Underlying Insurance Schedule and then only for such coverage as is afforded by that policy. Northbridge General Insurance Corporation October 11, 213 2:2 pm Page 5 of 6
6 Pro Rata Title: Limitation to CBC5 Follow Form - Real Property It is hereby understood and agreed that coverage offered by CBC5 - Follow Form - Care Custody Control Real Property Inclusion Endorsement is subject to a limit of liability of $5,,. Comments: The new CBC 1 F8651 EXT (1/212) applies to the policy. Closing Comments: Northbridge General Insurance Corporation October 11, 213 2:2 pm Page 6 of 6
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