Describe the business, confirm its class, and see which Canadian insurers and MGAs write it, with their contacts and applications.
This Canadian industry comprises establishments primarily engaged in providing short-term lodging in facilities known as bed and breakfast homes. Bed and breakfast homes are characterized by a highly personalized service, and usually the inclusion, in the room rate.
Also in this class: bed and breakfast homes characterized by a highly personalized service, and usually the inclusion, in the room rate, of a full breakfast, served by the owner or owner-supervised staff
No exclusions listed for this class.
Specialist programs come first. Taken from each market's own website; confirm appetite before you submit.
Packages for offices, retail stores, contractors, churches, B&Bs, wineries, residential rentals and vacation rentals. Options include pollution at insured premises, cyber and data compromise, flood, equipment breakdown, D&O, contingent loss of income and by-law coverage.
Extra protection beyond homeowners insurance for B&B owners.
Restaurants, catering, bed and breakfasts and sprinklered hotels. Property, BI, equipment breakdown, crime, primary and excess liability, host liquor up to $5,000,000. Bars, pubs and risks where liquor liability is the main exposure are excluded.
Restaurants (licensed and unlicensed), hotels and motels, craft breweries, pubs, lounges and bars under 40% liquor receipts, bed and breakfasts, FUS 1 to 7. Over 40% liquor goes to USLI online quote.
Licensed B&Bs, no dwelling age restriction including heritage facades. Broad form replacement cost property and CGL with personal liability extension; CGL $1,000,000 to $5,000,000; $8M TIV in-house. Optional BI, crime, non-owned auto, sewer backup.
Target classes include B&Bs, hotels and motels, restaurants and pubs, bars, apartment, condominium and leased buildings, short-term rentals, vacant buildings, retail stores, manufacturing, arenas, events, welding, UAV and daycare centres.
Building, contents, equipment breakdown, legal expense and liability.
Restaurants, pubs, taverns, bars, cafes, delis and catering, breweries, hotels, motels, seasonal operations, private clubs, lounges, banquet halls. Property, BI, liability and liquor, contamination recall, legal expense, crime, non-owned auto, EPL.
Apartments and condos up to 500 units, student and government assisted housing, hotels, motels, rooming houses, hostels, mixed habitational, building owners, property managers and landlords. Property, liability, umbrella, builders risk, environmental, E&O, cyber, K&R, terrorism, equipment breakdown, sewer back-up, crime.
Contractors, manufacturers, hospitality, premises and miscellaneous risks. Products liability application also available. Also quoted online through Mako.
Commercial property, commercial liability, boiler and machinery (basic, broad or comprehensive), business interruption, service line, Cyber Suite 2.0 and crime. Industries listed: construction and contracting, retail and wholesale, services and hospitality, manufacturing, transportation, real estate. Start-ups and established businesses. Offered in AB, BC, NB, NS, ON, PE and QC.
Programs for business and professional services, retail, contractors, automotive, culinary and hospitality, realty, plus BizPak. Building, stock, equipment, equipment breakdown, commercial liability, crime and business interruption.
Up to $50M fire-resistive and $25M frame on a quota share basis; excess layers up to CAD 30M (All Risks, minimum premium CAD 50,000). Hard to place or distressed accounts. Sawmills and woodworking, seafood processing, manufacturing, hotels, condos and apartments, municipalities, agriculture and food, power and utilities, property owners, restaurants, gyms, breweries and distilleries, retail, grocery.
Building and contents, business interruption, equipment breakdown, premises liability and host liquor liability for restaurants, hotels and bed and breakfasts.
Restaurants, brasseries, bars, reception halls, hotels, motels, inns, B&Bs and hostels.
Application or online quote.
Bars, lounges, taverns, breweries, restaurants, hotels, motels, fast food, kiosks, banquet halls, rural and unprotected risks. Up to 100% liquor receipts, liquor liability and forcible ejection up to policy limits. Up to $10M primary CGL and $15M excess on some classes.
Monoline placement available for bars, restaurants and hotels, with liquor liability up to policy limits.
Old or new, vacant or rented, seasonal or permanent. Classes include apartments and condos, building owners, hotels and motels, retail, churches, warehouses and storage, service stations and repair garages, woodworking, metal products, machine shops, recycling plants, schools, arenas, broadcasting, vacant, unprotected and substandard property.
Property, business interruption, equipment breakdown and contractors equipment. Classes include construction, contractors, hotels, manufacturing, realty (condominiums and apartments), recycling, retail and sawmills.
Property and liability in one placement. Strong fit: hospitality, retail and wholesale, small and mid-sized manufacturing, trades and contractors, business and professional services; also restaurants and food vendors, pet care, beauty, bed and breakfasts. Property, business income, equipment breakdown, CGL; optional cyber, terrorism and umbrella or excess.
Mid-market to risk-managed manufacturing, construction, hospitality and casinos, retail and wholesale, commercial realty. Primary GL $10M, umbrella and excess $25M, wrap-up $25M, fleet auto $2M in support. No appetite: residential contractors and developers, pharma and nutraceutical manufacturing, nursing homes, firearms, hospitals and clinics, tobacco, auto and critical auto parts, aviation.
Property, business income, equipment breakdown, crime, GL, umbrella and auto for companies with $25M to $500M revenue in manufacturing, wholesale and distribution, realty, retail, hospitality, business and professional services, technology and financial institutions. Minimum account premium $25,000; property to $500M TIV; GL $5M; casualty $25M. Focus on BC, Alberta and Ontario.
Accommodation and food (B&Bs, campgrounds, hotels, motels, restaurants, resorts, takeout) without a liquor licence; amusement and recreation (arcades, cinemas, fitness clubs, galleries, museums, libraries), generally without a liquor licence; retail; and office packages for business services. Host liquor liability excluded. Coverages: abuse liability, CGL, employer's liability, EPL, equipment breakdown, products and completed operations, property and crime. Liability limits up to $10,000,000; property and crime up to $5,000,000 per location (best in class).
Bundled business owner's policy for businesses under $10M revenue with local operations, such as retailers, independent contractors and local offices.
Other business types in this industry, each with its own market list.
Get listed free, confirm your listing to show it as verified, or ask about a sponsored placement on the classes you write. Sponsored placements are always labelled.
Listings show what each market publishes on its own website, checked on the date shown. Appetite and contacts change, so confirm with the market before you submit. Industry classes: Statistics Canada, NAICS Canada 2022 Version 1.0, under the Statistics Canada Open Licence. TrueNorthCE is not affiliated with the markets listed. Listings marked Sponsored are paid placements.