A new package policy specifically designed for this growing
segment of the hospitality business across Canada. Most
policies sold today are modified Homeowners, and as such
do not provide the proper commercial property extensions,
nor necessary liability as provided by Innkeepers Liability.
Totten Group’s program is available across Canada. 
Coverages
Property
- Broad Form Homeowners including Replacement
Cost
- Business Interruption - $25,000 Actual Loss Sustained
- Broad Form Money & Securities - $2,500 with
$500 overnight
- Extension Endorsement
- Accounts Receivable - Limit $2,500
- Exhibition Floater - Limit $2,500
- Professional Fees - Limit $2,500
- Outdoor Signs - Limit $2,500
Underwriting Considerations
- Up to 10 rooms rented - Owner lives
onsite
- Risks over 40 years old must have
updated services
- Insured to 100% of Replacement Cost
- Located in residential not commercial
neighborhood
- First class physical condition
- No more than 2 mortgages on property
- No liquor license
- No farm properties
- Smoke detectors on each floor
- Fully completed application
- Photos - front and back of building
