Some businesses only operate during a portion of the year but still have a risk that lasts 12 months of the year. These businesses need active coverage during their operating season, and silent or vacancy coverage during their off-season. There are also numerous rental condos, motels, chalets, and other risks which are unoccupied or vacant during off seasons and require special attention. Guardian can assist with all these types of risks. Complete the applications and see what Guardian can do for you.
For Seasonal Businesses, please complete both applications listed below.
CLICK HERE FOR: COC Quick Quote
CLICK HERE FOR: General Application
CLICK HERE FOR: Vacant Building Application
Vacant risks require special attention. Due to their lack of activity they are more susceptible to loss cause by a variety of concerns.
The Guardian program comes with an added benefit. A recent legal decision, known as the "Morton Decision" held that an insurer could treat "arson" as "vandalism" instead of "fire". Many insurers are now following this decision. Vacant building coverage usually excludes vandalism, and therefore if an arson fire is considered to be vandalism instead of "fire", coverage can be denied. This puts brokers at serious risk of E & O claims. Guardian will not put brokers or their clients in this position.
Guardian does not recognize or enforce the Morton Decision. Make sure your clients get the right coverage, with Guardian. Complete the application and secure coverage quickly.
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