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 of London since 2005.
• Designed for OIRCA members by Fenn & Fenn Insurance Practice Inc., an independently owned Canadian construction focused insurance brokerage.
• Original program design reviewed and approved by OIRCA.
• Fenn & Fenn Insurance Practice Inc. has represented the needs of many OIRCA members since 2005 and has been a member of OIRCA since 2003.
• Over $250,000,000 in annual roofing receipts presently insured.

• 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, 2008.
• 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.

• 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.