OUR PRODUCTS

We offer a wide variety of insurance packages for just about any situation

The following list displays insurance products available through a direct relationship we have with an underwriter in London, representing Lloyd’s of London. This direct relationship saves you money on your insurance costs. Pick your category and request an application and more information on the Product you require.

For Professionals

Architects & Engineers

Who’s it for?

Civil engineers
Conservation managers
Electrical engineers
Environmental engineers
Expert witnesses
Feasibility studies
Geotechnical engineers

HVAC engineers
Hydraulic / fire engineers
Land surveyors
Landscape architects
Mechanical engineers
Project managers
Town planning engineers

Structural architects
Structural engineers
Structural surveyors
Other architects
Other engineers
Other surveyors

Why bother with Architects & Engineers Liability?

Our policy provides you with unambiguous cover for breach of a client contract, an increasingly vital piece of cover.Rather than buying each line separately, this policy provides architects and engineers with fully tailored coverage in one simple, cost-effective package.
The policy takes into account the unique risk exposures of these professions.

The policy features robust business interruption cover which is available on a “flexible first loss” basis. This means that whatever type of business interruption loss is suffered, only one sum insured needs to be purchased and consequently a lower premium can be offered. Our Business Interruption cover also features tailored enhancements which cover this industry’s unique risk profile.

Click here to request more information and an application for Architects and Engineers Insurance

Recruitment, Employment & Staffing Agencies

Who’s it for?

It’s for agencies who supply workers into the following sectors:

Financial services
Construction
Driving / haulage
Education
Engineering and technical
Hospitality

Interim management
IT / telecommunications
Human resources
Marketing, media and communications
Medical / nursing

Office / clerical workers
Oil & gas
Pharmaceutical & scientific
Public Sector
Retail / sales

Why bother with Recruitment, Employment & Staffing Liability?

The vicarious liability section of our policy provides you with explicit cover if found legally liable for the actions of placed personnel. The liability sections also cover claims arising out of injury or damage involving placed personnel.

Most policies include a clause restricting coverage to the placement of temporary workers through ‘standard’ contracts, which deem placed personnel to be the employees of the end client, but increasingly this is not reflective of how recruitment works. We, however, don’t differentiate between ‘standard’ and ‘nonstandard’ contracts.

Click here to request more information and an application for Recruitment, Employment & Staffing Agencies Insurance

Miscellaneous Professionals Liability

Who’s it for?

Agricultural consultants
Business consultants
Data processors
Environmental consultants
Fire consultants
Food consultants

Health & safety consultants
HR consultants
Investigators
Interior designers
Management consultants
Project managers

Quality assurance consultants
Security consultants
Training companies
Other professional services firms

Why bother with Professionals Liability?

The wording covers work subcontracted to others, protecting you against claims for wrongful acts either committed by you or someone working on your behalf.
We can cover former firms as long as there has been cover in place continuously with no gaps, and we can easily add additional Insured’s’ through the inclusion of our simple “indemnity to principal” clause which will satisfy most contractual requests.

Not only does the policy give all the cover a professional needs in one simple, cost-effective package, but we’ll consider many unique or unusual professions that might normally have trouble finding tailored coverage.
We offer broad contractual liability coverage, not just negligence.

Click here to request more information and an application for Professionals Liability & Property Insurance

The Design & Construction Industry

Who’s it for?

Companies engaged in building design and construction

Why bother with Design & Construction Insurance?

This is a package policy which features professional liability and general liability in the same wording which is crucial if your company is engaging in both design and construction.
The policy includes specific cover for breach of a collateral warranty as well as general breach of contract cover.

We have a broad appetite across the range of activities in this sector and cover can be provided for overseas projects if required.

Click here to request more information and an application for Design & Construction Industry Insurance

Insurance Brokers & Agents

Who’s it for?

Insurance agents
Captives

Commercial lines insurance brokers
Personal lines insurance brokers

Risk retention groups
Underwriting agencies

Why bother with Insurance Brokers & Agents Insurance?

This is a broad package policy featuring professional liability, general liability and property, with the flexibility to purchase one or all covers.

The policy can be tailored to meet the coverage requirements of the various associations for insurance brokers and agents around the globe.

Click here to request more information and an application for Insurance Brokers & Agents Liability Insurance

Oil & Gas Contractors

Who’s it for?

Directional drillers
Drilling consultants
Health and safety consultants

Geologists
Non-destructive testers
Welding inspectors

Wellsite operators
Others who may occasionally get their hands dirty

Why bother with Oil & Gas Contractors Insurance?

This product seamlessly blends professional liability and general liability into one simple and easy-to-buy package policy.
We are able to offer an optional property insuring clause that allows you to include tools and equipment where required.

The policy covers bodily injury and property damage as a direct result of sudden and accidental pollution or contamination.

Click here to request more information and an application for Oil & Gas Contractors Insurance

Property Professionals

Who’s it for?

Conveyancers
Estate agents, both residential and commercial
Foreclosure agents
Land brokers

Land surveyors
Property developers
Property leasing firms
Property management companies

Property management firms
Property surveyors
Quarterly surveyors

Why bother with Property Professionals Insurance?

This package includes specific cover for breach of statutes relevant to the property industry, as well as cover for breach of contract or common law.
The package also includes general liability and property cover enabling property professionals to buy all their insurances in one transaction, saving both time and money.

The cover is backed by exceptional service levels with most quotes provided within 24 hours and an attentive claims service.

Click here to request more information and an application for Property Professionals Insurance

Accountants, Bookkeepers & Auditors

Who’s it for?

Accountants

Auditors

Bookkeepers

Why bother with Insurance for Accountants Bookkeepers and Auditors?

This product features a broad professional liability insuring clause including breach of contract cover and the payment of your withheld fees if it helps to prevent a larger claim.
This policy includes specific cover for the costs of responding to regulatory investigations, including the payment of ombudsman awards.

Blended modular coverage including general liability, property and legal expenses.

Click here to request more information and an application for Accountants, Bookkeepers & Auditors Insurance

For Technology & Media

Technology Companies

Who’s it for?

Application service providers
Bespoke software developers
Computer games developers
Digital marketing agencies
Domain name registration (resellers)
Email providers
Encryption software providers

Hardware value added resellers
IT consultancy
IT security consultants
IT support and training
Mobile content providers
Networking engineers
Online gaming providers

Packaged software developers
Software value added resellers
System integrators
Web designers
Web hosting (reselling)
Web service providers

Why bother with Insurance for Technology Companies?

Our policy provides comprehensive cover for claims arising directly from the breach of a client contract including breaches of warranties and when indemnity provisions are triggered.
The policy covers you for claims made against you due to the acts of your sub-contractors. In fact, the language we use in our form is “committed by you or on your behalf”, so we provide cover for the your own liability irrespective of who carried out the act which led to the claim.

In the technology industry, disputes can escalate quickly. That’s why we’ve included a range of covers which help to solve a problem before it leads to a lawsuit. These include loss mitigation coverage, cover for payment of withheld fees, and brand protection cover.
We provide worldwide cover as standard and can provide cover for companies with up to 100% US revenues.

Click here to request more information and an application for Technology Company Insurance

Media Companies

Who’s it for?

Advertising agencies
Authors
Celebrities
Content providers
Copywriters
Film distributors
Freelance writers

Graphic designers
Journalists
Marketing consultants
New media / digital agencies
PR consultants
Press agencies
Publishers – print and digital

Radio stations
Social media agencies
Telemarketing companies
Television broadcasters
Travel / creative / research writers
Web-casters

Why bother with Insurance for Media Companies?

This product is a seamlessly blended package policy which includes media liability, professional liability, cyber liability, privacy liability, general liability and property cover. If required, however, it can be mono-line as well.
The policy features tailored cover which responds to the unique risk environment of the media industry including exposures such as set-rigging, events and PR, high-value property such as specialist filming equipment, working with the public, and much more.

Our insurer has a very wide appetite and most media companies are considered, from start-ups to large, multi-national entities.

Click here to request more information and an application for Media Compay Insurance

Social Media Companies

Who’s it for?

App developers
Business networking websites
Corporate blogs
Crowd sourcing applications
Digital marketing agencies
Educational games
Genealogy websites

Instant messaging applications
Internet radio websites
MMORPG
Mobile phone content developers
News aggregation services
Online dating agencies

Online games developers and publishers
Online listings sites
Photo sharing websites
Social networking websites
User-generated content sites
Video sharing websites
Web-based communities

Why bother with Social Media Insurance?

The product is the first ever insurance product created specifically for social media companies and companies providing services to social media networks.
The policy features broad coverage for user generated content, a pre-requisite for any company operating in this space. There is no requirement for this content to have been approved before publication.

You can choose whether to notify “cease and desist” requests which helps to reduce your administration burden.
We provide full bodily injury and property cover which is necessary in cases where users of a social media site choose to meet offline.

Click here to request more information and an application for Social Media Company Insurance

Online Retailers

Who’s it for?

Any business selling its products online

Why bother with Online Retailer Insurance?

Specifically created for online retailers, this product has been designed to cover both online exposures and physical exposures through its unique combination of products liability, property and cyber and privacy covers.

The product provides worldwide cover as standard, reflecting the global nature of online retailing.

Click here to request more information and an application for Online Retailers Insurance

For Life Sciences

Research & Development Companies

Who’s it for?

Clinical research associates
Companies involved in the drug development supply chain
Consultancy services

Contract manufacturing organizations (research and trial materials)
Contract research service providers
Drug discovery companies

Drug development companies
Other scientific companies in the research and development phase

Why bother with Research & Development Insurance?

This product provides broad, flexible coverage in an easy to understand format for scientific research companies throughout their life-cycle.
It allows cover to be tailored around your individual business model and risk profiles and can be adapted easily as and when this changes. This is particularly beneficial for ‘virtual companies’ where a lot of physical work is undertaken by supply chain partners, for companies moving from pre-clinical research to start clinical trials, and for companies providing a blend of products and services to their customers.

For start-up companies, we have a two page application process that gives these fledgling companies a simple, basic, cost effective package of cover that can be built upon as they develop.

Click here to request more information and an application for Research & Development Company Insurance

Medical Device Companies

Who’s it for?

Companies involved in the design, development, manufacture or distribution of medical devices for use in hospitals or by other healthcare professionals, including:

Anaesthetic technology
Analytical equipment
Cardio-vascular
Dental
Drug delivery systems
E-health

Hardware and ambulatory
Implantable devices
Infection control
In-vitro diagnostics
Medical imaging
Mobility

Neurology
Ophthalmic
Orthopaedic devices
Radiotherapy
Surgical devices
Wound care

Why bother with Medical Device Insurance?

Our combined products and professional liability gives full limit cover for financial loss as well as bodily injury and ensures no gaps or overlaps in cover. This is particularly important in areas such as medical electronics (with embedded software and patient data recording media) and for product distributors that provide added value services such as training and maintenance.

We have a broad risk appetite up to and including Class III invasive devices.
This product is a fully modular package including much more than just products and professional liability. You are able to pick and choose from a wide variety of coverage options to get a policy which suits your requirements.

Click here to request more information and an application for Medical Device Company Insurance

Pharmaceutical Companies

Who’s it for?

Any companies involved in the pharmaceutical industry, including:

Blood banks and blood product manufacturers
Drug designers

Drug distributors
Formulators and mixers
Importers and exporters

Licence holders
Manufacturers
Retailers and wholesalers

Why bother with Pharmaceutical Company Insurance?

The pharmaceutical underwriting team has many years experience protecting businesses in this specialist sector. Their deep understanding of the exposures will ensure you are adequately covered.
Many insurers provide cover with a rigid drug exclusion list applying to the policy. We can be flexible with the drug exclusion list to provide you with broader cover.

USA exposures can be considered whether this is exports or facilities located in the USA.

Click here to request more information and an application for Pharmaceutical Company Insurance

For Healthcare

Allied Health and Medical Professionals

Who’s it for?

Acupuncturists
Aroma therapists
Audiologists
Certified laboratory technicians
Certified medical assistants
Colour therapists
Cosmetologists

Counsellors
Dental hygienists
Dieticians
Homeopaths
Hypnotherapists
Massage therapists
Meditation practitioners

Opticians
Orthotic / prosthetic fittings
Phlebotomists
Reflexologists
Speech therapists
Yoga practitioners

Why bother with Allied Health and Medical Professionals Insurance?

This product is a seamlessly blended package policy which includes professional liability, general liability, sexual misconduct & abuse liability and property for allied health and medical professionals. The policy is modular so your are free to buy as many or as few coverage options as you like.

Click here to request more information and an application for Allied Health & Medical Professionals Insurance

Fitness Instructors and Clubs

Who’s it for?

Aerobics instructors
Athletic trainers
Dance / movement therapists
Fitness instructors
Fitness clubs
Fitness boot camps

Group fitness instructors
Health clubs and gyms
Life coaches
Mind body programs
Nutritionists
Personal trainers

Physiotherapists
Pilates instructors
Yoga practitioners
ZUMBA instructors / dance instructors

Why bother with Liability Insurance for Fitness Instructors and Clubs?

This product is a one-stop shop for fitness instructors and clubs which has been specially developed just for your business. Not only does it give you well-rounded general liability, professional liability, commercial property and business interruption cover, but it also takes into account specific risks facing your industry, such as sexual abuse and molestation. With this product, you can rest assured that you have robust and relevant cover in place.

Click here to request more information and an application for Fitness Instructors & Clubs Insurance

Providers of Long Term Care

Who’s it for?

Non-residential senior care:

Certified nursing assistants and aides
Home health care
Licensed practical nurses, licensed vocational nurses
Medical directors

Medical technicians
Nurse practitioners
Occupational therapists
Personal carers
Physical therapists

Psychiatrists
Registered nurses
Respiratory therapists
Social workers

Residential senior care:

Adult day care centres (certified)
Assisted living facilities

Hospices
Independent living facilities

Why bother with Liability Insurance for Providers of Long Term Care?

This product is a seamlessly blended package policy which includes professional liability, general liability, sexual misconduct & abuse liability, and property for long term care facilities. The policy is modular so you are free to buy as many or as few coverage items as you like.

Our Insurer has a very wide appetite within this sector and can cover businesses from the smallest start-up company to a mature, high-revenue operation. If your profession is not shown in the “Who’s it for?” section, we can usually find a solution for you as long as you operate in the long term care sector.

Click here to request more information and an application for Providers of Long Term Care Insurance

For Not For Profits

Not For Profit Organizations

Who’s it for?

Charities
Community interest groups
Leisure groups

Schools
Sports associations
Trade associations

Trade unions

Why bother with Liability Insurance for your Not For Profit Organization?

This product is the first policy for the not for profit sector to combine management liability, professional liability, general liability and cyber and privacy in one modular package, enabling organisations to buy their critical insurances in one, simple and cost-effective transaction.

The product features broad kidnap and ransom cover which is a genuine exposure for not for profit organisations, particularly charities operating internationally. This cover will reimburse any ransom payments and pay for the safe return of the victims.

Click here to request more information and an application for Not For Profit Organizations Insurance

Residents & Tenants Associations Insurance

Who’s it for?

Residents and tenants associations

Strata corporations

Other residential communities

Why bother with Residents and Tenants Association Liability Insurance?

This product features streamlined and tailored cover specifically addressing the exposures faced by residents and tenants associations and their management.

Click here to request more information and an application for Residents & Tenants Association Insurance

For Cross-Sector Products

Cyber, Privacy & Media Risks

Who’s it for?

Charities
Clubs and societies
Entertainment and media
Higher education
Healthcare
Insurance brokers
Leisure and hotels

Logistics
Manufacturers and wholesalers
Municipalities
Nursing Homes
Solicitors
Public sector
Recruitment agents

Religious institutions
Retailers
Support services
Utilities
Website operators and e-tailers
Other professionals

Why bother with Cyber, Privacy and Media Liability Insurance?

This product is not simply an amended professional liability policy. Instead, it is a policy designed specifically for the wide range of cyber, privacy and media risks faced by all companies in today’s electronic trading environment.
The policy has no retroactive date meaning there is no restriction on when the event which gave rise to the liabilities occurred.
Our policy features innovative system business interruption cover which not only covers the cost of lost revenue during system downtime but also covers the loss of future revenue due to consequential reputational harm.

Cyber crime in all its guises is covered, including identity theft, telephone hacking, cyber threats and extortion.
Not only are your privacy breach notification costs covered, but also third party notification costs for which you are responsible.

Click here to request more information and an application for Cyber, Privacy & Media Risks Insurance

Management Liability Insurance

Who’s it for?

Biotech companies
Charities
Construction companies
Educational institutions
Healthcare institutions
Leisure and hotels
Listed companies outside the US

Manufacturers
Media companies
Municipalities
Nursing homes
Online companies
Professional service firms
Public sector companies

Retailers
Technology companies
Trusts
Utilities
Wholesalers
Other private companies

Why bother with Management Liability Insurance?

This product includes broad cover for kidnap & ransom including ransom reimbursement, legal liability, bodily injury in the event of a kidnap, kidnap expenses and emergency evacuation expenses.
We offer entity securities cover as standard under the D&O insuring clause and can also offer corporate liability covering corporate manslaughter and health and safety breaches. In addition, there is entity cover under other insuring clauses including employment practices liability, benefit plan liability, cyber & privacy and kidnap & ransom.

The cyber and privacy cover offered in this policy mirrors that of our insurer’s broad standalone cyber and privacy policy. Features include cyber liability, privacy liability, mandatory and voluntary privacy breach notification costs and systems damage and business interruption.

Click here to request more information and an application for Management Liability Insurance

Excess Liability Insurance

Who’s it for?

Accountants
Architects
Complementary medicine practitioners
Design and construct companies
Engineers
Insurance brokers

Media companies
Real estate agents
Recruitment and staffing companies
Scientific R&D companies
Senior care service providers
Social media companies

Technology companies
Other biotech firms
Other companies requiring excess cyber and privacy liability
Other professional service firms

Why bother with Excess Liability Insurance?

Companies of all sizes are increasingly required to carry more liability insurance cover, often at the request of their clients. This product provides this additional cover which works seamlessly with the primary policy, whether written by the same or another insurer.

The low minimum premiums of this product enable companies to top-up their cover cost effectively when traditional excess markets are quoting prohibitive premiums.

Click here to request more information and an application for Excess Liability Insurance

Terrorism & Sabotage

Who’s it for?

Any business that requires coverage as an add on to a full business insurance package or as a standalone policy.

Why bother with Terrorism and Sabotage Insurance?

We live in an increasingly uncertain world where the risk of terrorism is very real, yet property insurance policies are not designed specifically with this exposure in mind. In response to this growing insurance need, we’ve built a policy that provides broad cover, a simple application process and competitive pricing.

The product protects against political, religious and ideological acts. The policy includes cover for damage to your premises, business interruption, contingent business interruption, prevention or restriction of access to your premises and utilities, and loss of income, including rental income.
No deductible and no minimum premium.

Click here to request more information and an application for Terrorism & Sabotage Insurance

Intellectual Property

Who’s it for?

Our innovative insurance product covers companies of all types for their IP infringement exposures.

Why bother with Intellectual Property Insurance?

Intellectual Property is one of your most valuable assets. In today’s business world, protecting those assets against third party infringement can be both complex and expensive. The same is true when it comes to protecting yourself against claims from others that you have infringed upon their patents, trademarks or other forms of intellectual property.
Our policy is a business enabler to small and medium sized companies and provides comfort to all stakeholders in the business in four vital ways. It ensures that infringement allegations can be defended efficiently and without affecting the bottom line unnecessarily. It protects innovation by affording the opportunity to pursue infringers of own rights as this course of action is sometimes necessary to retain the value of the business. If you are forced to stop selling a product due to infringement, it pays the loss of profit for a period, allowing the company to recover its position and invest in its other products. Last but not least, if a right is lost through the course of an infringement action, the money invested in obtaining and maintaining that right is also recovered under the policy.

Comprehensive cover for all IP, including patents, trademarks, copyright and trade secrets
Covers all your business activities but can also be tailored to your specific requirements
Costs of defending infringement allegations and the payment of damages or settlement awards. Cover includes: counterclaims, product recalls and other loss mitigation measures
Cover for directors and officers as joined defendants
Cover for contractual obligations to indemnify licensees or customers
Cover for the costs incurred in obtaining and maintaining a registered right if the right is invalidated or revoked as a consequence of an infringement action
Cover for the loss of profit during a 12 month period if you are prevented from selling a product due to an infringement claim
Cover for some elements of contract or employee disputes in relation to intellectual property
Cover for costs to avert or mitigate a loss of reputation caused by an infringement claim
Worldwide cover as standard

Click here to request more information and an application for Intellectual Property Insurance

Directors & Officers Liability

Who’s it for?

Any ‘For Profit’ OR ‘Not For Profit’ corporations that have Directors or a Board of Directors, CFO’s etc., that provide direction and advice in the operations of the company.

Directors, officers and managers of businesses are increasingly aware of their corporate governance obligations, of the litigious environment in which they operate and of the potential for their own personal assets to be on the line. In the past, management liability insurance was the realm of large public listed companies, but today it is increasingly demanded by smaller businesses.

Why bother with Directors & Officers Liability Insurance?

D&O combines broad coverage with a clear and concise wording, competitive pricing and a simple application process. Cover is offered as a stand-alone policy, or combined with our range of other insurance products.
D&O covers directors, officers and senior managers for wrongful acts in the performance of their duties with a range of extensions for the company itself. Policy features include:
Cover for directors whilst sitting on the board of an outside entity
Clearly defined cover for extradition costs
Entity securities coverage, including shareholder derivative actions

Broad Employment Practices Liability protection, covering defence costs and compensation for directors, employees and the company
Investigation representation and brand protection costs
Full severability and innocent non-disclosure clauses
Worldwide cover and jurisdiction
Options for separate limits for directors and the entity
Nil deductible as standard, but with discounted premiums for voluntary deductibles

Click here to request more information and an application for Directors and Officers Liability Insurance

General Liability

Who’s it for?

Products, distributors, wholesalers and manufacturers with a vast array of products from food and drink to consumer goods as well as machinery and industrial goods.
All varieties of natural resource exploitation from oil & gas and mining exposures to traditional and renewable energy solutions.

General contracting business, including: industrial contractors, mining contractors, oil and gas contractors, civil contractors, ground works, electrical contractors and telecommunication contractors.

Why bother with General Liability Insurance?

Basically, any business, as General Liability insurance is crucial to help manage risk for small businesses and large corporations alike. In today’s litigious society the potential for a small accident to escalate to a significant insurance claim has never been greater. Even with protective measures to the public and your customers in place, companies can still fall victim to the high cost of litigation whatever their size or industry.

Our policy cover has been designed to provide broad cover for a range of companies, from start ups to organisations with $250m revenues with a local to worldwide reach. We can consider accounts with 100% exports to the US (capped at a maximum $25m in sales).

Click here to request more information and an application for General Liability Insurance

Property, Crime, Business Interruption & Building Service Equipment

Who’s it for?

Any business that owns property (including any equipment that cannot be licensed), has a crime exposure, a business interruption exposure or a building service equipment loss exposure. We will help you determine the exposures you have and quote on those, either all within one convenient package of coverage or with separate cover, whichever works best for your particular situation.

Click here to request more information and an application for Property, Crime, Business Interruption & Building Service Equipment Insurance

Commercial Auto & Fleet Insurance

Who’s it for?

Any business that owns vehicles that must be registered to be operated off private land and used by its owners, directors or employees. We will do a complete review of your vehicle fleet and propose an insurance program to insure you effectively.

Click here to request more information and an application for Commercial Auto & Fleet Insurance

Legal Expense Insurance

Who’s it for?

Any business that has ever required or contemplates consultation with a lawyer. Key coverage includes, employment disputes, legal defence, tax protection, statutory license protection, property protection, bodily injury, contract disputes and debt recovery and UNLIMITED LEGAL ADVICE on any matter, covered or not. Non covered items receive a substantial discount from the insurer’s legal council representatives. It’s better than having one lawyer on call as you are always paired with a lawyer who specializes in the area of your concern.

Click here to request more information and an application for Legal Expense Insurance

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OUR PRODUCTS

We offer a wide variety of insurance packages for just about any situation

For Professionals

For Technology & Media

For Life Sciences

For Healthcare

For Not For Profits

For Cross-Sector Products

Proudly Serving Western Canada Since 2009