OIRCA INSURANCE PROGRAM SERVICES
An exclusive service focused commercial general liability insurance facility designed for OIRCA roofing members that qualify.
Financially strong and secure insurance protection through Lloyd’s Underwriters since 2005.
Original program design reviewed and approved by OIRCA.
Fenn & Fenn Construction Practice, a division of HUB International Ontario Ltd. has represented the needs of many OIRCA members since 2005 and has been a member of OIRCA since 2003.
Coverage Features
High limits available exceeding $10MM per occurrence.
Limited Pollution liability (240 Hours discovery/240 Hours reporting exceeds Standard).
No General Aggregate Limit restriction.
Mould (Fungi/Fungal Derivatives) per claim coverage available starting at $250,000 each claim. Higher limits are available.
Errors and Omissions coverage available, starting at $250,000 each claim.
Hook Liability Coverage included to a $100,000 base limit per accident. Higher limits available.
Occurrence form wording includes coverage required by Standard CCDC 2, 2020
Wrap-Up Difference in Conditions and Limits Contingency protection included.
No executed contract coverage restriction as contained in many policies.
No residential work exclusion.
No open flame/torch exclusion.
Coverage easily accommodates other business services such as general contracting, property holdings liability etc.
Best in class Services offered to OIRCA members
Bonding – superior Bond servicing - we treat every OIRCA Bond request as urgent.
Online Certificates of Insurance – save time - service available for standard certificates 24/7.
Commercial Property including project Installation coverage (Builder’s Risk coverage as required).
Automobile Fleet Insurance from leading Canadian insurers.
Umbrella and Excess Liability for added security/ peace of mind.
Contractor’s Professional Liability for those a little more involved in consulting and design – build services.
Legal Expense Insurance – including Contract Dispute/Debt Recovery presently at special OIRCA rates.
Directors’ Officers’ Liability & Employment Practices Liability Insurance presently at special OIRCA rates.
Contract Review Services – risk and insurance focused - included at no additional fee.
Claims monitoring and advocacy.