Contractor's Choice

Insurance For Good Measure

An insurance product constructed specifically for Contractors

The Right Fit at The Right Cost. As a contractor, you know how important it is to have things fit properly with no gaps. As an insurance company we look at your insurance policy the same way.

We know that you have very specific needs, as well, when it comes to insurance coverage.

That's why you should choose the Contractor's Choice. It can be custom-designed just for you. And with several optional coverages available, you can get an insurance plan that you know will do the job.

As your business grows, your insurance package can grow along with you. You can upgrade your contractors insurance coverage while still remaining in the program.

To help ease the effects on your cash flow, several payment options are available.

We are committed to offering you flexible insurance products at an affordable price. When you buy the Contractor's Choice from Armour Insurance you are buying insurance from one of the most trusted multi-line companies in Alberta.

Coverage Summary
Coverage you receive with the Contractor's Choice can be summarized as follows:

Commercial General Liability:

$1,000,000, $2,000,000, $3,000,000, $4,000,000 and $5,000,000 Each Occurrence/Products – Completed Operations Aggregate Limit Options
$5,000,000 General Aggregate Limit
Premises & Operations
Products – Completed Operations
Personal and Advertising Injury
Employees as Additional Insureds
Contingent Employers Liability
Blanket Contractual
Cross Liability Clause
Incidental Medical Malpractice
Occurrence Basis Property Damage
Broad Form Completed Operations
Broad Form Property Damage
Extended Bodily Injury
Non-owned Watercraft
Broad Form Automobile
Tenants’ Legal Liability (Broad Form $500,000 limit)
Newly Acquired Organizations (90 days)
Medical Payments – $5,000 any one person
Contractors Voluntary Payment for Damage to Property of Others – $1,000 limit
Employee Benefits Liability Coverage – $50,000 limit
Non-owned Automobile Liability including:
- Legal Liability for Damage to Hired Automobiles – $50,000 limit (S.E.F. 94/O.P.C.F. 94)
- Contractual Liability (S.E.F. 96/O.P.C.F. 96)

Contractor's Choice Coverage Form:

Your Business Contents - $20,000 limit
Replacement Cost - Building & Business Contents
Tools - $5,000 limit
Replacement Cost - Tools 5 Years Old or Less
Machinery & Equipment Coverage including Rented, Leased or Borrowed Equipment - $25,000 limit
Additional Acquired Property - $25,000 limit
Machinery & Equipment - Additional Coverages
Loss of Use - Max. limit $10,000/Year
Amended Valuation Clause - 10% Waiver of Depreciation
Replacement Cost - Machinery & Equipment 5 Years Old or Less
Business Income - Profits - $25,000 limit
Business Income From Dependent Properties - $10,000 limit
Installation Coverage - $10,000 limit
Accounts Receivable - $25,000 limit
Blanket Glass
Valuable Papers & Records - $25,000 limit
Extra Expense - $25,000 limit
Fine Arts - $10,000 limit
Electronic Data Processing Coverage - $25,000 limit
Employee Dishonesty Blanket Coverage Option A - $5,000 limit
Covered Property Amended to Include Customer Property
Property Off Premises (In Transit, including via Parcel Post or other Mail or Courier Services; Temporarily At Unnamed Locations, including Exhibitions; In Custody of Sales Representatives) - $10,000 limit
Signs - $15,000 limit
Money Orders & Counterfeit Paper Currency - $5,000 limit
Conviction Reward - $5,000 limit
Leasehold Interest Coverage - $500 limit/month, maximum 12 months
Master Key Coverage - $25,000 limit
Outdoor Trees, Shrubs & Plants - $1,000 limit/plant, $10,000 limit/occurrence
Pollutant Clean Up & Removal - $15,000 limit
Debris Removal - $25,000 limit
Your Business Contents - Amount Of Insurance - Seasonal Increase - 25% increase
Money & Securities - $5,000 limit
Fire Department Service Charge - $10,000 limit
Newly Acquired or Newly Constructed Buildings - $500,000 limit
Business Contents at a Newly Acquired Location - $500,000 limit
Newly Acquired Business Contents - $10,000 limit
Contents of Others - $10,000 limit
Forgery Or Alteration Coverage - $5,000 limit
Personal Effects & Property Of Others - $10,000 limit
Single Inclusive Limit
Blanket By-Laws
Inflation Protection
Co-insurance Condition (Waiver) - 5% or $10,000
Brands & Labels Coverage - $10,000 limit
Cost of Preparing Proof of Loss - $10,000 limit
Automatic Fire Suppression Recharge Expense - Insured Peril - Included
Automatic Fire Suppression Recharge Expense - Accidental Discharge - $5,000 limit

Other coverages you can purchase with our Contractor's Choice Insurance Program

Building
Builders Risk Coverage
Flood
Earthquake

If a coverage is not listed in this Coverage Summary, please ask one of agents about it.

You can also customize the package by including many other options.
Ask an Armour Insurance agent for a more complete description of any of these coverages.