Business & Professional Services
The basic policy includes property, crime, general liability, non-owned automobile, travellers’ excess medical and key personnel coverages. At the insured’s option, errors and omissions liability, business interruption, boiler and machinery insurance, as well as varioous other extensions can be added
Other features:
- Employment practice liability
- Exhibitions & trade shows in Canada & U.S.
- Tenants legal liability
Graphic Trades
Coverage for graphic trades is a specially suited to printing trades and graphic arts specialists with annual sales. The basic policy includes property, crime, general liability and non-owned automobile coverages. At the insured’s ooption, business interruption insurance, boiler and machinery insurance, graphic trades’ errors and omissions liability insurance, travellers excess medical coverage, and various extensions can be added.
Other features:
- U.S. sales
- Product recall expenses for up to $100,000-Artwork covered for replacement cost
- Damage to work in progress up to $25,000
Manufacturers
Specially suited to manufacturing, assembly and processing businesses. The basic policy includes property, crime, general liability, nonowned automobile and travellers’ medical coverages. At the insured’s option, business interruption insurance, boiler and machinery insurance and various extensions can be added.
Other features:
- Products liability coverage for U.S. sales for most products
- Product recall expenses for up to $100,000
- High general liability limits available
- Consequential loss due to temperature change up to stock limit
Real Estate
Custom designed for owners of income producing property, condominiums, co-operatives, and property managers. The basic policy for income producing risks include property, general liability, crime, non-owned automobile, boiler and machinery and rental income coverages. At the insured’s option, traveller’s excess medical coverage can be added.
Other Features:
- By-law coverage automatic if built after 1979
- All exterior glass & signs covered for “All Risks”
- Accountants fees up to $25,000
- Mortgage rate guarantee
Wholesalers
Custom designed for wholesalers and manufacturers’ agents. The basic policy includes property, crime, general liability, non-owned automobile and travellers’ excess medical coverages. At the insured’s option, business interruption insurance, boiler and machinery insurance, tax bonds and various extensions can be added.
Other features:
- Products liability coverage for U.S. sales for most products
- Product recall expenses for up to $100,000
- Consequential loss due to temperature change up to stock limit
- Refrigeration breakdown for property in transit included
- Vendor’s liability
Commercial Auto
Coverages Available:
- Liability limits up to $10,000,000 for most classes
- Special trucking policy up to $5,000,000 includes cargo and general liability
Eligible Classes
- Contractors
- Retailers
- Garages
- Sales Representatives
- Manufacturers
- Wholesalers
Long Haul Trucking
- 1 policy, 3 coverages (auto, cargo & CGL)
- Radius of more than 160km, including US
- Up to 9 vehicles on policy
Directors & Officers
- Non-profit and for-profit organizations
- Worldwide coverage
- Employment practices liability coverage available
- 2 years policies available
Surety
Contractor Bonds
Construction surety products are an essential component of any successful commercial, industrial or institutional project. Products include:
- Bid bonds
- Consents of surety (agreement to bond)
- Performance bonds
- Labour and material payment bonds
- Maintenance bonds
- Similar instruments that may be required to assist you in fulfilling your obligations
Miscellaneous bonds
Miscellaneous bonds are often referred to as Commercial Surety and encompasses many types of bonds. These instruments are most often required to satisfy regulatory requirements set by municipal, provinvcial and federal agencies. Miscellaneous bonds include:
- Licenses and permits
- Customs and excise
- Court bonds (administration, guardianship)
- Lost instrument bonds
Ask us about…
- Host Liquor liability programs
- Hole-in-one insurance
- Hobby/enthusiast club programs
*Contact us for more details or if you have any other requirements not listed above!