R.I.B.A. Corporation



Home Publications Company Information Equipment Service Representatives Contact Information

	Norwich Insurance Brokers / Portage Mutual Insurance When insuring your location, one must entertain the reliability, service and reputation of the underwriting broker and insuring company. With Norwich Insurance Brokers, you get a professional broker, experienced in the special needs of the hospitality industry. R.I.B.A. is the only buying group offering an impeccable program which has never seen an interruption of service. This is primarily due to the quality of the underwriting skills of Norwich Insurance. http://www.norwichinsurance.com/ RestaurantPro INSURANCE COVERAGES DESIGNED FOR THE RESTAURATEUR For Starters In today’s highly competitive restaurant business, you have more to worry about than insurance. We also realize that your business is very specialized and unique. At Portage Mutual we’ve developed an insurance package of coverages that are tailor-made with your unique needs in mind. Our goal is quite simple Together with your Professional Insurance Broker, we will provide you with quality service and insurance value. You’ve made a large investment of time and money to create a successful business. Should a loss occur, we want to get you back in business as soon as possible to maintain your loyal customer base. Portage Mutual prides itself on providing superior claims service which is what you should expect from a company with over 120 years experience. The Main Course We’ve put together a menu filled with appetizing coverages certain to meet your impeccable tastes. Property • POED Broad Form, Replacement Cost • 90% CO or Stated Amount • 2%/5000 Co-Insurance Waiver Crime • Employee Dishonesty Coverage – Form A • Loss Inside Premises Coverage • Loss Outside Premises Coverage • Money Orders/Counterfeit Paper Currency • Depositors Forgery Coverage • Credit Card Forgery Liability • Commercial General Liability-Occurrence Basis • Tenant’s Legal • Personal Injury & Advertising Injury • Medical Payments • Employees as Additional Insured • Incidental Medical Malpractice • Cross Liability • BF Property Damage • Blanket Contractual Liability • Non-Owned Auto • S.E.F. 94, 96, 99 • Employee Benefits Liability Extension • Employers Liability • Contingent Employers Liability • Broad Form Completed Operations Included with your Meal A delightful selection of complimentary extensions to satisfy any palate: • Automatic Fire Suppression System Recharge Expense • Fire Department Service Charges • Restaurateur’s Business Interruption Enhancement • Business Interruption Actual Loss Sustained Profits Form • Business Interruption Contingent Liability-Building By-Laws • Interruption by Civil Authority • Limited Contingent Business Interruption (i) Neighbouring Premises (ii) Contributing/Recipient Property • Extra Expense – 100% 1st Month • Consequential Loss Assumption with Off Premises Power • Leasehold Interest (Rents) • Blanket Glass • Signs • Fine Arts • Professional Fees Including Cost of Preparing Proof of Loss • Valuable Papers & Records • Accounts Receivable • Debris Removal • “Building” Damage by Theft • Building By-Laws • Clean-up Expenses for on Premises Pollutants • Automatic Inflation Protection • Seasonal Automatic Increase • Master Key Coverage • EDP Equipment, Data, & Media Including In-Transit & Mechanical Breakdown • Removal • Property Away from Premises/In-Transit • Newly Acquired or Newly Constructed Property • Newly Acquired Building or Addition • Business Contents at any Newly Acquired Location • Newly Acquired Business Contents • Business Contents Off Premises in the Custody of Sales Reps • Exhibition Extension • Growing Plants, Trees, Shrubs, or Flowers in the Open • Personal Effects of Officers, Employees, & Customers • Brands & Labels • Reward • Installation Floater • Courier or Parcel Post On the Side Complete your experience with any of these options à la carte. • Electrical & Mechanical Breakdown • Flood • Earthquake • Sewer Back-up For Dessert A strong insurance plan is needed in our complex business world, a world that turns to the legal system more often than ever before to settle disputes. Because of this reality, we have created some helpful forms that can assist you in adopting loss prevention and control strategies with your staff. Please ask your Insurance Broker for a supply of these Portage Mutual forms: • Incident Report Form • Interior Inspection/Maintenance Log Form • Exterior Inspection/Maintenance Log Form • Workplace Inspection Checklist Incorporating the use of such forms can enable you to produce consistent documentation that may help provide some defense against a claim or lawsuit should one occur. Please ask your Professional Insurance Broker to explain the benefits of purchasing a Restaurant Pro coverage package. We’re certain you will not be disappointed. Please contact Julie Couwenberg for a quotation. Julie Couwenberg CAIB Registered Insurance Broker/Owner Norwich Insurance Brokers 1129337 Ontario Inc. julie@norwichinsurance.com Ph # 519-863-2014 Fax # 519-863-2015 www.norwichinsurance.com	News No current news available	Our Suppliers Pepsi Bottling Group Cavendish Farms Brazilian Coffee Canada Bread Ecolab Canadian Linen Saputo Foods Fresh Start Foods Maple Leaf Sofina Foods Sara Lee Export Packers Access Cash Saporito Foods Norwich Insurance Brokers R.I.B.A. Design Our Distributors Findlay Foods (Kingston) Flanagan Foodservice Inc. Golden Fleece Foods G.F.S.-Gordon Food Service Skor Food Service Morton Wholesale Ltd. Rycott Foodservice Stewart Foodservice Inc Summit Food Service Sysco Food Services Additional Links ORHMA - Ontario Restaurant Hotel & Motel Association

Restaurateurs Independent Buyer's Association (R.I.B.A.) is Ontario’s largest purchasing/marketing group of its kind servicing independent restaurateurs
throughout the province of Ontario. R.I.B.A.’s winning strategy aligns manufacturers, distributors and end users to deliver a well
rounded benefit to all involved ...more information

Some of documents are in Portable Document Format (PDF) to retain the original format. To view or print these documents,
you must use the Adobe Acrobat Reader. The free Adobe Acrobat Reader allows you to view, navigate, and print PDF files across all major computing platforms
(Linux, Macintosh, OS/2, Unix, Windows, and other mobile operating systems). Acrobat Reader is free and available directly from Adobe's website with full installation instructions.
Some of the Acrobat documents on our website will only open with later versions of Acrobat Reader.

The information contained in this website is for general information purposes only. The information is provided by R.I.B.A. Corporation and while we endeavour to keep the information up to
date and correct, we make no representations or warranties of any kind, express or implied, about the completeness, accuracy, reliability, suitability or availability with respect to the website or the information,
products, services, or related graphics contained on the website for any purpose. Any reliance you place on such information is therefore strictly at your own risk.

In no event will we be liable for any loss or damage including without limitation, indirect or consequential loss or damage, or any loss or damage whatsoever arising from loss of data or
profits arising out of, or in connection with, the use of this website.

Through this website you are able to link to other websites which are not under the control of R.I.B.A. Corporation . We have no control over the nature, content and availability of those sites.
The inclusion of any links does not necessarily imply a recommendation or endorse the views expressed within them.

Every effort is made to keep the website up and running smoothly. However, R.I.B.A. Corporation takes no responsibility for, and will not be liable for,
the website being temporarily unavailable due to technical issues beyond our control.

Norwich Insurance Brokers / Portage Mutual Insurance

News

Our Suppliers

Our Distributors

Additional Links

In no event will we be liable for any loss or damage including without limitation, indirect or consequential loss or damage, or any loss or damage whatsoever arising from loss of data or profits arising out of, or in connection with, the use of this website.

Every effort is made to keep the website up and running smoothly. However, R.I.B.A. Corporation takes no responsibility for, and will not be liable for, the website being temporarily unavailable due to technical issues beyond our control.

Norwich Insurance Brokers /
Portage Mutual Insurance

In no event will we be liable for any loss or damage including without limitation, indirect or consequential loss or damage, or any loss or damage whatsoever arising from loss of data or
profits arising out of, or in connection with, the use of this website.

Every effort is made to keep the website up and running smoothly. However, R.I.B.A. Corporation takes no responsibility for, and will not be liable for,
the website being temporarily unavailable due to technical issues beyond our control.