Grocery stores Insurance Markets

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.

New businesses, retail store packages and office packages.

Online quote.

Online quote.

Bakeries, car washes, clothing stores, convenience stores, florists, furniture stores, gas stations, grocery stores, hardware stores, repair garages, sporting goods. Property and liability, equipment breakdown, E&O available.

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.

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.

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.

Retailers such as clothing, electronics or building materials stores: property, liability, equipment breakdown and crime, with vehicles used to deliver stock.

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.

Church, contractor, home-based business, office, realty (landlord) and retail insurance.

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.

Retail storefronts, strip malls, warehouses, commercial stratas, industrial parks. Exterior glass, direct physical impact, excludes failed sealed units. $10,000 annual aggregate, $75 deductible. Premiums $175 to $350 by number of windows.

Fixed site policy (manufacturing, warehousing, light industrial, retail, office, educational, landfill, recycling, waste and excess soil sites); contractors pollution (all GCs, remediation, abatement, waste and restoration contractors); consultant pollution (environmental consultants, air quality, compliance firms, labs). SME environmental also offered.

Commercial and residential realty, condominiums, retail stores, shopping plazas and strip malls, family restaurants with minimal liquor exposure, vacant buildings, rooming houses, course of construction, student housing.

Appetite matrix rating (strong, cautious, limited) by line (GL, E&O, environmental, auto, workers comp, umbrella, excess, property, equipment breakdown, inland marine, ocean cargo, multinational, business travel accident, management liability, cyber) for financial institutions, professional services, real estate, contractors, cultural, educational and healthcare institutions, retailers, wholesalers, entertainment, energy, clean technology, manufacturing, technology and life sciences classes. Ratings are colour coded in the PDF.

Bundled business owner's policy for businesses under $10M revenue with local operations, such as retailers, independent contractors and local offices.

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.

Building, equipment and stock (peak season increase up to 25%), loss of income and liability.

Retail stores, online retail, wholesalers and distributors, low hazard small manufacturing and service businesses such as coffee shops, tailors and shoe repair.

Home business, retail store, church, apartment building owners, agri-business, office, contractors and fine dining packages.

Retail and e-commerce, realty, business services, manufacturing, wholesale and distribution, contractors, transportation and warehousing, among others. $5M in-house authority, higher limits on request. Umbrella/excess can schedule US policies.

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.

Apartment and residential rental, church, contractor's, home based business, office and retail packages, or a customized policy. Building, contents, equipment breakdown, business interruption, crime, liability, plus Data Compromise and CyberOne coverage.

General liability, business interruption, contents and inventory, building and equipment, and equipment breakdown for retailers.

Welding and machining workshops, vacant buildings, retailers, construction contractors, forestry and mining contractors, wholesalers and manufacturers, seasonal risks. Equipment breakdown available.

Residential rental, commercial realty, church, office, contractors, home based business, retail stores, wineries and light manufacturing. Options include equipment breakdown, sewer backup, flood, earthquake, crime, cyber, umbrella, business interruption and professional liability for certain professions.

Retail, offices, apartment owners, churches and contractors, including loss of income protection.

Coverage for companies that store, sell and deliver products in Canada and abroad.

Convenience stores, gas stations, offices (accounting, doctors, lawyers), retail, wholesalers and distributors. TIV under $10M for frame risks. Can lead, quote 100% or provide non-lead capacity.

Commercial property (all risk or named perils), business interruption, CGL. Classes include contractors, jewellers block, restaurants and fish processors, plus construction, retail, hospitality and manufacturing.

Small to mid-sized retail/mercantile, office and low hazard commercial operations. Broad form building, equipment and/or stock plus CGL; optional business interruption, crime, contingent BI, tenants improvements, non-owned auto, tenants legal liability. CGL limits $1,000,000 to $5,000,000; $8,000,000 in-house property limits; 100% or subscription participation.

Retail, office, contractors and church packages. Church package has all perils building and contents. Contractors package includes office contents, earnings, glass and signs, valuable papers, accounts receivable, contingent loss of income and pollution.

Most commercial and industrial risks for owners and operators: retail including shopping centres, distribution, manufacturing and more; large limits available.

Retailers of all sizes, from convenience stores to large surfaces.

Package for a variety of retail businesses. Professional liability available for audiologists, funeral homes, veterinarians and animal hospitals, pharmacists and drug stores, beauty salons and aestheticians. All risk, replacement cost, stated amount or 90% co-insurance.

Includes increased stock inventory during peak season.

Package for retail stores: stock, equipment, liability, loss of income, cyber coverage.

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).

Classes include landscapers, snow removal, pet care, antique and farmers markets, beauty products, beauticians and barbers, contractors, cosmetics, manufacturers, processors, recycling and sanitation, remediation, retailers, wholesalers and licensed restaurants (not exhaustive). Limits up to $10,000,000, deductibles from $1,000; occurrence form with claims-made option; enhancements include faulty workmanship, product recall, manufacturer's E&O and EPL; worldwide sales available. Excess and umbrella also available.

Apartment houses, campgrounds, food vendors, hotels and motels, rooming houses, rented dwellings, retail stores, strip plazas, student housing and vacant property (not exhaustive). Broad or named perils, BI and rental income, flood, quake and sewer backup, crime and mechanical breakdown. In-house capacity up to $7,000,000. Premises liability or full CGL available.

Large retail, hardware and building supply, convenience stores, gas stations, auto garages, licensed cannabis retail, liquor stores, sporting goods with rentals, vendors. 200+ eligible classes, CGL from $350, property up to $50M, combined liability $25M, up to 100% US exports.

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.

Retail listed as an eligible CGL class in BC and Alberta.

Classes include automotive, cannabis, construction and sub-trades, food processing, manufacturers, distributors and wholesalers, medical and biotechnology, mining, oil and gas, pharmaceutical and nutraceutical, rail infrastructure, realty, retail, security and USA sales.

Property, business interruption, equipment breakdown and contractors equipment. Classes include construction, contractors, hotels, manufacturing, realty (condominiums and apartments), recycling, retail and sawmills.

Church, home based business, office, residential rental and retail packages for lower hazard operations, each with property, loss of earnings, crime and CGL. Non-package policies considered for risks outside package eligibility. Equipment breakdown and income replacement available.

Manufacturing, wholesale, retail, contractors and commercial realty, backed by A-rated or better insurers.

Appliance shops, bookstores, butcher shops, clothing stores, florists, grocery and convenience stores: building, signage, business income, product recall, legal expense and data compromise.

Property, fleet and garage, farm, umbrella and legal expense for mid-size and larger businesses in manufacturing, commercial realty, business and professional services, contractors and retail.

Retail, offices, apartment owners, churches and contractors. Buildings, contents, tools and equipment, stock or cash, crime, income replacement and premises, products and operations liability.

Retail stores, offices, apartment owners and contractors. Building, contents, tools and equipment, stock or cash, crime, income replacement and liability.

Clothing stores, grocers, bookstores, gift shops and other retailers.