We strive to build long-term customer relationships that provide continued value. Our experienced underwriting staff can develop tailored solutions to assist in the management of your most challenging risks.
Coverage
- Commercial General Liability – Claims-Made or Occurrence
- Products/Completed Operations – Claims-Made or Occurrence
- Liquor Liability Coverage – included with CGL
Policy Terms
- Annual Coverage or Project Term Coverage – up to 60 months
- Discontinued Coverage – up to 36 months
Limits and Attachments
- $1 million/$2 million/$2 million up to $2 million/$4 million/$4 million
- Per Project/Per Location Aggregates with Cap]
- Aggregate Reinstatements – subject to underwriting criteria
- Guaranteed Cost, Deductibles or SIRs – Aggregates available
- Defense inside or outside the limits
Minimum Premiums
Generally $50,000 (can vary based on limits, attachments and class of business)
Risk Appetite & Underwriting
Philosophy
- Target risks with gross sales of $5 million – $2 billion
- Moderate to High Hazard risks with measurable exposures, existing loss control and/or risk management procedures in place
- Severity loss potential preferred over frequency
Preferred Risks
Manufacturers, Wholesale/Retail, Importers
- Mechanical, Electrical, Engines, Turbines, Pipes, Tubes, Valves and Compressors
- Industrial Machinery Equipment and Parts including Material Handling
- Non-Invasive Medical Devices
- Non-Critical Automobile Parts
- Plastic or Rubber goods
- Sporting Goods and Exercise Equipment
- Retail/Wholesale – Grocery, Department, Home Improvement
Construction
- Annual Practice – General Contractors or Specialized Trade Contractors, repair or remodelling on both commercial and residential structures
- Project Specific – General Contractors, Developers and Owners Interest – project focus on new commercial structures, Type 1 (concrete and steel), residential structures in non CD States
Real Estate
- Commercial Owners and Managers, including mixed use
- Residential Managers and Owners – Apartments and Condos
- Public Entity – Park Districts, Prisons, excluding all professional
Hospitality (including Liquor) - Restaurants
- Casinos, Neighbourhood Lounges, Bars and Taverns
- Hotels and Conference Centres
- Special Events
Services/Miscellaneous
- Unique exposures and operations
