We know property protection, inside and out

Multi-unit Residential

In addition to blanket property coverage, there is a range of factors and options to consider when insuring multi-unit residential buildings. This is complicated further by the split of liability between tenants and the condominium board. Let Butler Byers simplify the process.

Our experienced brokers offer professional advice and products for every application – from mechanical breakdowns, liability and glass to loss of rent, clean up after loss and by-law changes and compliance.

Institutional

Churches and institutions often contain unique features, equipment and items that are not adequately covered by generic policies. Butler Byers offers specially designed insurance programs that include coverage for special artifacts, organs, stained glass windows and institutional equipment, as well as additional protection against water damage, theft and burglary.

Liability coverage is also now available to protect churches from real or perceived impropriety related to counselling services, sexual abuse and sexual harassment.

Office

At face value, office equipment, computers and furniture may seem the extent of what needs to be considered for insurance in an office. There are, however, many less obvious aspects of day-to-day business that require protecting. Butler Byers can help assess the individual needs of your business and recommend the most appropriate and cost-effective solution.

Available coverage includes:

  • new signage
  • glass
  • valuable papers
  • software, hardware and mechanical or electronic erasure
  • costs for temporary relocation
  • business resumption setup expenses
  • employee wages
  • loss of business income
  • loss of money and securities
  • comprehensive liability and tenant's legal liability
  • replacement cost coverage on buildings, contents and improvements

Retail

Retail businesses are as unique and diverse as the people that own them. That's why Butler Byers offers a number of comprehensive, customizable insurance packages for retail. In addition to basic policies, there are a variety of specialized business coverage options available. Butler Byers will work together with you to explore your options and build a package tailored to the distinct needs of your business.

Basic policies include:

  • replacement cost on property and equipment
  • blanket glass coverage
  • inflation protection
  • loss of business income
  • theft of inventory, money and securities
  • signage
  • valuable papers
  • sewer back-up
  • tenant's legal liability
  • comprehensive business liability