Learn More about Condo Gold

Condo Gold is the premiere condo insurance policy in Ontario. It’s specifically designed to help condo unit owners protect their investment and assets as well as avoid potential liabilities.
This list shows you some of Condo Gold’s key features.

  • Single limit policy
  • Charge back of corporation deductible
  • Comprehensive all risk coverage
  • Replacement cost
  • Sewer back up
  • Mysterious disappearance of contents
  • $30,000 identity theft
  • $2,000,000 liability (bodily injury/property damage)
  • $10,000 voluntary medical coverage
  • $1,000 voluntary property damage coverage
  • Jewellery, watches, gems, fur garments up to $15,000 in total
  • $2,000,000 liability loss assessment coverage
  • Unit contingent coverage
  • Insured student away from home

Descriptions of coverage are general in nature. For details of the coverage, refer to the terms and conditions of the policy and/or contact Atrens-Counsel Insurance Brokers. Condo Gold is available to qualifying condominium unit owners in Ontario. Products underwritten by Royal & Sun Alliance Insurance Company of Canada. Services provided by Atrens-Counsel Insurance Brokers, a division of Arthur J. Gallagher Canada Limited. Condo Gold is a tradename of Arthur J. Gallagher Canada Limited.

A single limit policy offers convenience and flexibility. Claim payments can be applied where needed, up to the total coverage limit for contents, improvements, betterments, and loss of use.


If an act of omission on the part of the unit owner causes damage to the corporation's property, the unit owner could be required to pay the corporation's insurance deductible. Condo Gold covers this, subject to your single limit and policy deductible.


All risk coverage is extensive because it insures against all causes of physical loss or damage (all risks), subject to the exclusions and conditions in the policy.