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Property and Crime Insurance

Learn more about this coverage.

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Making businesses more theft-proof and damage-proof

This product is for our existing policyholders only. It’s offered as a complement to their Professional Liability and Errors and Omissions Insurance coverages.

The Property side of the coverage protects buildings and their contents against theft or damage.

The Crime insurance side of the coverage protects businesses’ assets against everyday burglary, theft and robbery. 

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Take a look at our sister product, Commercial Property Insurance

This product is available to more types of customers and does not require you to be a policyholder of the coverages mentioned above.

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Property and Crime packages are available for most classes of business under:

  • Technology Insurance
  • Professional Liability for Architects and Engineers
  • Errors and Omissions
  • Non-Profit Directors and Officers Liability (to policyholders with low-to-moderate property and crime exposures, such as offices)

  • Policy form – industry-standard “all risk” form
  • Policy period – annual policies (the expiry dates shall coincide with the anniversary date of the professional liability or E&O policy)
  • Capacity – business contents basic limit starting at $30,000 (higher limits available upon request)
  • Property deductible – $1,000 except for major perils as follows:
    • $10,000 flood
    • $2,500 sewer back-up
    • Five per cent or minimum $100,000 earthquake (may be higher for certain locations in Quebec and British Columbia)
  • Premiums – Starting at $500
  • Territory – Canada and the continental United States

General features

  • Financial security and claims services are provided by Aviva Insurance Company of Canada
  • Standard broker commission for Property and Crime insurance packages is 20 per cent

Property Insurance features

  • Broad “all risks” form (including coverage for the perils of earthquake, flood and sewer back-up) for building(s) and business contents for amounts of insurance quoted
  • Coverage includes extensions for building bylaws, inflation guard and replacement cost

Crime 3D Insurance features

  • Comprehensive 3D Rider, including employee dishonesty form A, loss inside/outside, money orders, counterfeit currency and depositors forgery

For standard submissions, please complete the form below:

Property and Crime application form

Once completed, please send it to submitapps.ca@victorinsurance.com

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Want to learn more? Contact our team to get more information.

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Claims

All you need to know when reporting a claim.

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Find an underwriter

Whether you want to learn more about a coverage, get a quote, bind and issue a policy or more, simply search by following the link below.

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Claims examples

When do our coverages come in handy? We’ve put together some detailed scenarios to show why having coverage in place is so important.

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Search for other resources

Search for highlight sheets and more on our resources page.

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Browse our products

Our products and programs are all listed below.

Architects & Engineers Professional Liability

Safeguards a wide range of architectural and engineering firms against risk. From small, single practitioner operations to multinational, multidisciplinary firms with tens of millions of dollars in billed fees.

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CGL Insurance

Commercial General Liability (CGL) insurance provides protection against a range of potential claims that may result from bodily injury, property damage, personal injury or advertising injury.

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Commercial Property Insurance

Commercial Property insurance protects a business’ most valuable physical assets – such as buildings, equipment and computers – against loss or damage from a range of causes, including theft, fire or vandalism.

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Commercial Umbrella Liability

Commercial Umbrella Liability coverage provides effective protection against large losses and potential coverage gaps for a range of exposures.

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Construction Insurance

The number of risks builders face in their daily work is vast. That's why we offer various construction insurance policies (like Builders Risk, Wrap-Up Liability and CGL for Contractors) to protect both the construction project and the team involved.

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Crime Insurance

Crime insurance provides valuable protection against workplace fraud and theft.

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Cyber Insurance

Cyber risk is a threat to companies of all sizes. Make sure your business is future-proofed with our cutting-edge coverage.

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Directors & Officers Liability

We offer a comprehensive range of D&O products – with a number of unique coverage advantages, including first dollar defence and a duty to defend.

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Employment Practices Liability

From wrongful dismissal to discrimination, this coverage protects employers from wrongful acts claims made against them by their employees.

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Environmental & Pollution Liability

Safeguard your client's business and provide protection for allegations of pollution liability, CGL exposures, errors, omissions or negligent acts, whether or not they have merit.

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Errors & Omissions

We have more than 40 years of experience in offering E&O insurance to associations and affinity groups, as well as individuals in a diverse range of professions – from ambulance operators to zoologists and everything in between.

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Fiduciary Liability

Fiduciary Liability insurance provides coverage for the fiduciaries, directors and the corporate entity against potential liabilities, which may arise from the mismanagement of an employee benefit plan.

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Technology Insurance

Designed to address the specific exposures of professionals in this industry, from hardware manufacturers to professionals in multimedia companies or small IT firms. It also protects against the threat of intellectual property disputes, such as copyright or trademark infringement.

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