Coverage Overview

Superior Insurance Coverage – Overview

The Chef Alliance insures hundreds of Personal Chefs across Canada each year. We’re set up on a Master Policy and each Chef gets their own certificate number and coverage* for $399 per year. You also receive THOUSANDS of $ of additional benefits, including membership in the most successful Chef organisation to support your Personal Chef business at no additional cost.

Coverage
Deductible $ Insurance Limit $
Commercial General Liability Coverage Form
CGL Each Occurrence Limit
 1,000,000
Personal & Advertising Injury Limit
 1,000,000
Medical Expense Limit (any one person)
 10,000
General Aggregate Limit
 5,000,000
Products – Completed Operations Aggregate Limit
 1,000,000
Tenants Legal Liability (any one premises)
 500 100,000
Coverage A Per Occurrence Deductible – Property Damage
 500
Coverage A Per Occurrence Deductible – Bodily Injury
 0
Employers’ Liability Coverage Extension
 included
Additional Insured – Designated Person
 included
Non-owned Automobile – SPF#6
 1,000,000
SEF No 94 – Legal Liability for Damage to Hired Automobiles
 40,000
SEF No 96 – Contractual Liability Endorsement
 included
SEF No 99 – Excluding Long Term Leased Vehicle Endorsement
 included
OEF 98B – Reduction of Coverage for Lessees Endorsement
 included
Employee Benefits, Aggregate Limit – Property Damage
 1,000 1,000,000
Employee Benefits, Aggregate Limit – Property Damage
 1,000
Employee Benefits, Each Claim Limit
 1,000 1,000,000
Amended Fungi or Spores Exclusion

VIEW ADDITIONAL BENEFITS THAT COME WITH INSURANCE

Notes:
Underwritten by Economical Insurance Company.
Subject to policy terms and conditions, updates which may occur from time to time, and various exclusions
The policy features Broad Form Wordings combined with an extensive list of special extensions brought together with your specific business operations in mind.

* Unlike some other Personal Chef organisations, with our policy each Chef has their own certificate. Other organisations have a ‘pool’ which is shared by all the members of the organisation – this means that after a claim is made, the amount available for other claims is reduced. The whole coverage may be used up by 1 or 2 claims, leaving everyone else vulnerable for the rest of the year!