Small to mid-sized:

• Mixed occupancy-Residential and commercial or retail
• Retail/mercantile
• Low hazard industrial
• Office
• Low hazard commercial use

• Broad Form, Replacement Cost Property Coverage (for most risks)
• Property and liability coverages available
• 100% or participation on a subscription

1. Complete applicable applicationfrom the options below
   a.Commercial Building Owner
   b.Commercial Condo Application
2. Submit to quotes@odisinsurance.com

• Small to mid-sized risks
• Mixed occupancy – residential and commercial or retail
• Retail/mercantile occupancy
• Low hazard industrial use
• Office use
• Low hazard commercial use
• $5,000,000 inhouse property limits
• 100% or participation on a subscription

• Broad Form Building, Equipment &/or Stock
  • Replacement Cost for qualifying risks/coverages
• Commercial General Liability
  • Limits available $1,000,000-$5,000,000
• Optional Coverages Include
  • Rental Income Coverage
  • Sewer Backup
• • Flood (on qualifying risks)
  • Earthquake (on qualifying risks)

1. Complete applicable applicationfrom the options below
   • Commercial Building Owner
   • Commercial Condo Application
2. Submit to quotes@odisinsurance.com

• Costume Jewellery Vendors
• Clothing accessory Vendors
• Craft Vendors
• Flower Vendors
• General Merchandise Vendors
• Sunglasses Vendors

• Broad Form Building, Equipment &/or Stock
  • Replacement Cost for qualifying risks/coverages
• Commercial General Liability
  • Limits available $1,000,000-$5,000,000
• Optional Coverages Include
  • Business Interruption
  • Crime
• • Contingent Business Interruption
• • Equipment Breakdown
• • Tenants Improvement
• • Non-Owned Auto
• • Tenants Legal Liability

1. Complete the Cart and Kiosk Application
2. Submit to quotes@odisinsurance.com

Small to mid-sized

• Small to mid-sized risks
• Retail/mercantile operations
• Office operations
• Low hazard commercial operations
• $5,000,000 inhouse property limits
• 100% or participation on a subscription

• Broad Form Building, Equipment &/or Stock
• Commercial General Liability
  • Limits available $1,000,000-$5,000,000
• Optional Coverages Include
  • Business Interruption
  • Crime
  • Contingent Business Interruption
  • Tenants Improvement
  • Non-Owned Auto
  • Tenants Legal Liability

1. Submit application of your choosing
2. Submit to quotes@odisinsurance.com

• Bingo Games
• Cancer Support Groups
• Community Groups
• Cultural Groups
• Networking Groups
• Walking/running groups

• Commercial General Liability,
  • Limits available $1,000,000 – $5,000,000
• Broad Form, Replacement Cost Property Coverage
• Optional Coverages Include
  • Business Interruption
  • Crime
  • Contingent Business Interruption
  • Tenants Improvement
  • Non-Owned Auto
  • Tenants Legal Liability

1. Submit application of your choosing
2. Submit to quotes@odisinsurance.com

• Chip Wagons
• Hot Dog Vendors
• Ice Cream Vendors
• Taco Stands
• Refreshment Vendors
• Takeout Restaurants
• * No Liquor receipts for any of the above

• Commercial General Liability,
  • Limits available $1,000,000 – $5,000,000
• Broad Form Property Coverage
• Optional Coverages Include
  • Broad Form Building, Equipment &/or Stock
  • Business Interruption
  • Crime
  • Contingent Business Interruption
  • Tenants Improvement
  • Non-Owned Auto
  • Tenants Legal Liability

1. Complete the Takeout and Food Cart Application
2. Submit to quotes@odisinsurance.com

• Small to mid-sized office exposures requiring Premises (OL&T) Liability.
• This product does not provide CGL, Products and Completed Operations nor Professional Liability

• Owners’ Landlords’ and Tenants’ Liability (OL&T)
  • Limits available $1,000,000 – $5,000,000
• Broad Form, Replacement Cost Property Coverage
• Optional Coverages Include
  • Business Interruption
  • Crime
  • Contingent Business Interruption
  • Tenants Improvement

1. Submit application of your choosing
2. Submit to quotes@odisinsurance.com

In-house authority for Small to mid-sized

• Retail/mercantile operations
• Office operations
• Low hazard commercial use
• Open Market ability for
  • Hard-to-place risks
  • Abuse Coverage available (not available as standalone)
    • Minimum Premium $10,000

• Commercial General Liability including Products and Completed Operations
• Limits available $1,000,000 – $5,000,000
• Property and liability coverages available

1. Complete applicable application from the options below
   1. Commercial General Liability Application
   2. Abuse Supplement
2. Submit to quotes@odisinsurance.com

• Bingo Games
• Cancer Support Groups
• Community Groups
• Cultural Groups
• Networking Groups
• Walking/running groups

• Commercial General Liability,
  • Limits available $1,000,000 – $5,000,000
• Broad Form, Replacement Cost Property Coverage
• Optional Coverages Include
  • Business Interruption
  • Crime
  • Contingent Business Interruption
  • Tenants Improvement
  • Non-Owned Auto
  • Tenants Legal Liability

1. Submit application of your choosing
2. Submit to quotes@odisinsurance.com

Open Market ability to find top up coverage for a wide range of classes

1. Submit application of your choosing
2. Submit to quotes@odisinsurance.com

• Standalone coverage for vacant land – residential or commercial use
• Land held awaiting development
• Occupied residential or commercial where property coverage is not required

• CLG with coverage restricted to premises
• Limits available $1,000,000 – $5,000,000

1. Complete the Premises Liability Application
2. Submit to quotes@odisinsurance.com

• All types of construction classes including:
  • Commercial Projects
  • Custom Homes
  • Multi-Unit Residential

1. Submit application of your choosing
2. Submit to quotes@odisinsurance.com

• For contractors involved in multiple projects or builds in a year,
• in-house capacity for up to $5 Million Cat Limit
• Open market access for larger limits

• Cost to Rebuild including:
  • Temporary Property Used in Construction
  • Other Property Incidental to the Project
• Optional Coverages:
  • Soft Costs
• CCDC compliant

1. Complete the Blanket Builder Risk Application
2. Submit to quotes@odisinsurance.com

• In-house capacity for up to $5 Million Limit for all types of construction projects
• Projects already under construction
• Open market access for larger limits

• Cost to Rebuild including:
  • Temporary Property Used in Construction
  • Other Property Incidental to the Project
• Optional Coverages:
  • Soft Costs
• CCDC compliant

1. Complete the Builder Risk (New Construction) Application
2. Submit to quotes@odisinsurance.com

• All types of construction classes including:
  • Commercial Projects
  • Custom Homes
  • Multi-Unit Residential

1. Complete the Wrap-up Liability Application of your choosing
2. Submit to quotes@odisinsurance.com

• In-house capacity for up to $5 Million for all types of renovation projects including
  • buildings with facade Heritage Designation
  • Renovations to condo units
• Open market access for larger limits

• Cost to Rebuild including:
  • Temporary Property Used in Construction
  • Other Property Incidental to the Project
• Optional Coverages:
  • Soft Costs
• CCDC compliant

1. Complete the Building Renovation Application
2. Complete the Condo Renovation application of your choosing
3. Submit to quotes@odisinsurance.com

• Must be properly licensed
• $5,000,000 TIV in-house authority
• No restriction on age of dwelling
  • including buildings where the façade has Heritage Designation
• Open market access for larger limits

• Broad Form, Replacement Cost Property Coverage
• Commercial General Liability,
  • Limits available $1,000,000 – $5,000,000
  • Personal Liability Extension
• Optional Coverages Include
  • Business Interruption
  • Crime
  • Contingent Business Interruption
  • Non-Owned Auto
  • Sewer Backup

1.Complete the Bed & Breakfast Application of your choosing
2.Submit to quotes@odisinsurance.com

• Single family rental
• Short term rentals including Airbnb and similar platforms
• Student rental
• Must comply with local bylaws for use and occupancy

• Property Coverage
  • Contents – Broad Form, Replacement Cost
  • Unit Owners Improvements and Betterments
  • Loss Assessment Coverage of $25,000
  • Condo Unit Owners Contingent Coverage of 250% of Contents Limit
• Commercial General Liability,
  • Limits available $1,000,000 – $5,000,000
  • Liability Loss Assessment Coverage
• Optional Coverages Include
  • Business Interruption
  • Sewer Backup

1. Complete the Rented Condo Unit Application
2. Submit to quotes@odisinsurance.com

• No restriction on age of building
  • Including buildings with facade Heritage Designation
• Standalone single-family rentals
• Multi-unit buildings
• Rented Condo Units
• Can be undergoing minor renovations
• $5,000,000 inhouse property limits
• 100% or participation on a subscription

• Broad Form, Replacement Cost Property Coverage
• Commercial General Liability,
  • Limits available $1,000,000 – $5,000,000
• Optional Coverages Include
  • Landlords’ contents
  • Rental Income
  • Sewer Backup
  • Flood (for qualifying risks)
  • Earthquake (for qualifying risks)

Complete the applicable application from the list below
Submit to quotes@odisinsurance.com

• Up to 4 bedrooms
• Target class – young professionals sharing accommodations
• $5,000,000 inhouse property limits
• Must comply with local bylaws for use and occupancy

• Broad Form, Replacement Cost Property Coverage
• Commercial General Liability,
  • Limits available $1,000,000 – $5,000,000
• Optional Coverages Include
  • Landlords’ contents
  • Rental Income
  • Sewer Backup
  • Flood (for qualifying risks)
  • Earthquake (for qualifying risks)

1. Complete Rooming House Application
2. Submit to quotes@odisinsurance.com

• Seasonal and short-term rentals including Airbnb and similar platforms including:
  • buildings where the façade has Heritage Designation
  • condo units
• No restriction on age of dwelling
• $5,000,000 inhouse property limits
• Must comply with local bylaws for use and occupancy

• Broad Form, Replacement Cost Property Coverage
• Commercial General Liability,
  • Limits available $1,000,000 – $5,000,000
• Optional Coverages Include
  • Landlords’ contents
  • Rental Income
  • Flood (for qualifying risks)
  • Earthquake (for qualifying risks)

1. Complete the applicable application from the list below
2. Submit to quotes@odisinsurance.com

• No restriction on age of building
  • Including buildings with facade Heritage Designation
• Standalone single-family rentals
• Multi-unit buildings
• Rented Condo Units
• Can be undergoing minor renovations
• $5,000,000 inhouse property limits
• 100% or participation on a subscription No restriction on age of dwelling
  • including buildings where the façade has Heritage Designation
• $5,000,000 inhouse property limits
• Must comply with local bylaws for use and occupancy

• Broad Form, Replacement Cost Property Coverage
• Commercial General Liability,
  • Limits available $1,000,000 – $5,000,000
• Optional Coverages Include
  • Contents
  • Flood (for qualifying risks)
  • Earthquake (for qualifying risks)

1. Complete the applicable app from the list below
2. Submit to quotes@odisinsurance.com

• Vacant Residential
• Vacant Industrial Commercial
• Condo Interim closing
• Can be undergoing minor renovations
• No restriction on age of building
  • Including buildings with facade Heritage Designation
• $5,000,000 inhouse property limits
• 100% or participation on a subscription

• Broad Form, Replacement Cost Property Coverage available for most risks
• Commercial General Liability,
  • Limits available $1,000,000 – $5,000,000
• Vandalism included for most risks

1. Complete the applicable app from the list below
2. Submit to quotes@odisinsurance.com

• Standalone coverage for vacant land – residential or commercial use
• Land held awaiting development
• Occupied residential or commercial where property coverage is not required

• CLG with coverage restricted to premises
• Limits available $1,000,000 – $5,000,000

1. Complete the Premises Liability Application
2. Submit to quotes@odisinsurance.com