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We are a full service commercial lines brokerage. Our main goal is to provide your company with the broadest coverage at the best price. We advise on Risk Management Techniques as well as the most favourable Coverage Options at the lowest cost. Our general product links are listed below.
Business Insurance
Commercial Auto/ Fleets
Marine
Errors & Omissions/ Professional Liability
Directors' & Officers' Liability
Products & General Liability
Premium Payment Plans
Business Insurance Package
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Accounts Receivable
Boiler & Mechanical Equipment
Buildings & Contents
Business Interruption
By-Laws
Computers including Breakdown and Software
Contractor's Equipment & Tools
Cyber Risk
Debris Removal
Earthquake, Flood & Sewer Back-up
Environmental Impairment Liability
Free Form Tailor Made Amendments
Loss Of Heating Or Cooling
Money Coverages:
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Burglary
Counterfeit Money
Depositor's Forgery
Counterfeit Money
Employee Dishonesty
Robbery |
Ocean Cargo Policies
Premises Liability
Products Liability
Property Off Premises
Umbrella & Excess Liability Limits
Valuable Papers |
Business Types
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Auto Repair Garages
Building Owners & Managers
Contractors
Consultants
Computer Hardware & Software Consultants, Manufacturers & Designers
Distributors
High Tech Design, Consulting & Manufacture
Manufacturers
Non-Profits
Offices - all types including Professional Liability
Professionals
Retail Stores
Service Providers of all types
Transport Companies
Wholesalers
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Tailor made policies to suit your needs.
Commercial Auto and Fleet
High Liability Limits
Light & Heavy Vehicles
Long Haul
National Insurers
Premium Reduction Techniques:
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Choice of Insurers
Deletion of Glass
Fire & Theft Deductibles
Fleet Ratings
Higher Deductibles
Risk Management Measures |
Risk Management
Short Haul
Vehicle & Fleet Inspection Programs
Vehicle Rental Coverage
All Risk Policies Including War Risks
Boat Servicing, Repair and Storage
Commercial Hull
Jet Boats and Personal Watercraft
Marine Operators Physical Damage and Liability
Ocean, Air, and Land Cargo - Warehouse to Warehouse
Open Cargo Coverage
Per Trip Coverage
Personal Watercraft up to $1,000,000
Stevedoring Coverage
Warehouseman's Liability
Errors & Omissions And Professional Liability
Most classes of business are written including but not limited to:
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Accountants
Advertising Agencies
Architects
Audiologists
Bookkeeping Services
Computer Consultants/Programmer/Trainers
Graphic Artists
Hair Stylists
Lawyers
Opticians
Pharmacists
Printers
Publishers
Title Searchers
Travel Agents |
Coverage can be added to your current business insurance program or insured separately.
Examples of Claims:
Computer programmer installed a new system on client's server and the system crashed including prior proprietary software.
Client has hardware costs and downtime. Claim made against programmer. Defence costs included in insurance payout.
Advertiser incorrectly developed final campaign for client causing a delay in promoting the campaign and led to a loss of market for client. Insurer pays for the financial loss as well as legal fees to defend the loss.
A client implemented a management consultant's proposal to increase operational efficiency. The client alleged that no improvements had been realized and claimed for additional costs incurred in making the changes.
The property managers of an apartment building failed to conclude negotiations for a rent review within the time allowed.
Directors' & Officers' Liability
A D & O policy also covers directors and officers but only from business claims unrelated to bodily injury and property damage.
Why do we need Directors' & Officers' Liability? Directors' & Officers' Liability protects the directors and officers, and in some cases the corporation, against claims made against them arising out of their wrongful acts while acting on behalf of the corporation. Examples include:
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Breach of Contract
Failure to remit withholding or other taxes
Wrongful Dismissal
Failure to supervise
Failure to adhere to government regulations
Claims made by shareholders or other stakeholders |
Coverage is required and available for Profit and Non-Profit organizations.
The policy can be extended to include employees and Professional Liability.
Limits available range from $1,000,000 to $10,000,000 and higher if required.
Products Liability & General Liability
Extended coverage includes:
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Advertising Liability
Blanket Contractual Liability
Broad Form Property Damage
Contingent Employer's Liability
Employee Benefits Errors & Omissions
Employees/Volunteers as Insureds
Host Liquor Liability
Non-Owned Automobiles
Personal Injury (Libel, Slander, Defamation)
Products, Completed Operations, Premises or Operations included
Property Damage Occurrence
Sub-contract work
Tenant Legal Liability
Worldwide Coverage |
High Limits are available.
U.S. Products & Operations included.
Coverage provided for all industries. Forms and availability of coverage vary.
Custom made programs to fit your needs.
Certificates of Insurance provided on demand.
We provide free advice regarding contract and lease reviews.
Use of Risk Management measures to avoid or pass on unwanted exposures and to keep costs reasonable.
Not everyone can pay their premiums upfront. That's why we offer a number of payment options to our personal and commercial customers.
Payment Plan Options:
One lump sum payment for the entire policy premium
Monthly withdrawals from your chequing account
1/3 Installments with 1/3 payable on inception, 1/3 due 30 days from inception and 1/3 due within 60 days. There is no charge for this option.
Quarterly Installments
Credit Card Payments
Privacy Policy
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