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 managing real estate properties on behalf of property owners (on a contract or fee basis). These establishments are engaged in administrative and co-ordination activities, such as the negotiation and approval of lease agreements, the collection of rental payments, the administration of contracts for property services (for example, cleaning, maintenance and security) and the preparation of accounting statements.
Specialist programs come first. Taken from each market's own website; confirm appetite before you submit.
Condominium packages, condominium liability and D&O for condo syndicates.
Six programs: technology, architects and engineers, professionals and consultants, accountants, real estate and property management, marketing and media. Limits up to $5M, defence outside limits (except US jurisdiction), worldwide territory, US revenue up to 20%. Fit: revenue around $3M or less, no open claims. Canadian firms outside Quebec. Optional CGL and legal expense add-ons.
Common legal disputes faced by strata councils and condominium boards.
Manufacturing (metalworking, machinery, electrical, low to mid hazard chemicals, brick and clay, auto parts), energy service and site preparation contractors, construction (electrical and telecom, bridge, paving, excavation, HVAC, masonry, landscaping and snow removal, sewer and watermain, demolition), commercial realty, wholesale, software and IT, telecom, financial institutions, property managers. Minimum premium $25,000, capacity up to $75M, CGL $10M, umbrella $25M. No monoline auto.
Weather-triggered cover (rain day and season, frost and cold day, heat day) for businesses relying on favourable weather, such as construction, property management and events.
Property, liability and commercial auto for large businesses with alternative structures (captives, larger deductibles, retentions). Sectors: financial services, automotive, healthcare, food and beverage, realty, construction, manufacturing, business and professional services, warehousing and wholesale, mining.
Primary, excess and miscellaneous E&O up to $10M: law and legal services, accountants (excess), property managers, agents, mortgage brokers, appraisers, consultants, insurance and business services. Excludes medical and construction.
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.
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.
Directors and officers of strata and condo boards.
Strata and condo buildings of all types and sizes, single or multi building. Maximum line $20 million, 100% or lead/follow on subscription; ERC up to 130%.
Architects and engineers, business services and consultants, contractors, property management, IT services, marine professional liability, freight forwarders legal liability, medical malpractice, tech E&O. Up to $5M, higher on request.
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.
Accountants (no CFO/CEO services), lawyers (excess), bookkeepers, life agents and mutual fund sales, chiropractors, property managers, with class-specific endorsements.
Professional liability, commercial property, equipment breakdown, CGL, privacy breach and commercial vehicles for real estate and property management businesses.
Apartment buildings, owners and landlords, commercial and industrial buildings, commercial condominiums, property managers.
Online quote through PRESTO. D&O for for-profit private companies also offered.
Properties with multiple dwellings. Discounts for condominium complexes and 55+ facilities.
Long list of target classes including business, management and education consultants, bookkeepers, call centres, collection agencies, court reporters, executive recruiters and temporary staffing, expert witnesses, facilities management, janitorial services, landscape architects, interior designers, loss adjusters and appraisers, pet groomers and sitters, private investigators, property managers, real estate agents and brokers, translators, travel agents, tutors, urban planning and wedding planners. E&O limits up to $5,000,000 ($2,000,000 with U.S. exposure); up to 25% U.S. and 25% rest of world exposure for revenues up to $10,000,000; optional property and crime up to $5,000,000 per location; CGL available.
Claims made. Miscellaneous professional liability (printers, safety consultants, travel agents, event planners, bookkeepers, mediators, placement agencies, property managers, project managers, business consultants), miscellaneous malpractice (medical clinics, RMTs, naturopaths, rehabilitation therapists, EMTs, ambulance), architects and engineers, media liability (advertising, graphic artists, radio, PR and marketing), manufacturers E&O and excess E&O. Group programs for associations available.
Office and commercial buildings, strata and condo corporations, multiplexes and vacant properties. CGL with no general aggregate, property and BI with 35+ extensions, equipment breakdown, crime, earthquake buy-down, extended replacement cost +30%, strata and condo D&O.
Residential condominiums with TIV of CAD 5M or more, minimum 50% owner occupancy, incidental commercial occupancy acceptable. Non-lead quota share capacity up to CAD 25M, maximum line 50% of TIV. Premiums from $7,500 net of commission. Minimum deductibles: $10,000 PD, $50,000 flood, sewer backup and water, earthquake 5% / $100,000. All of Canada except Quebec.
Hard to place CGL. Classes include amusements, bingo halls, casinos and gaming, VLTs, entertainment, fitness, security providers, janitorial, machine shops, recycling and waste disposal, property managers, spas, tanning and tattoo parlours, food industry, feed mills, schools, arenas and venues, racetracks, zoos, IT, advertising and media, product recall, pyrotechnics, chemicals, plastics, biotechnology, alcohol retail, brewery and winery (no tasting room), and 100% USA sales.
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.
Real estate agents, property management companies and surveying firms.
Property, business interruption, equipment breakdown and contractors equipment. Classes include construction, contractors, hotels, manufacturing, realty (condominiums and apartments), recycling, retail and sawmills.
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.
Building owners and property managers of apartments, condos and commercial condos, townhouses, office buildings and enclosed shopping malls.
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.
Target premium $25K+, minimum deductible $2.5K. Manufacturing (food and beverage, metal and glass, furniture, chemicals, consumer products, machinery, auto parts, building materials, rubber and plastics, cosmetics), environmental consultants, commercial and industrial real estate, specialty contractors (restoration, mould and asbestos remediation, demolition), broad product liability for manufacturers, wholesalers and distributors.
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.
Solutions for designing, building or managing commercial real estate.
Revenue under $5 million (under $3 million for manufacturing and contracting), total insured value under $10 million ($5 million per location), up to nine vehicles. Some classes are excluded by province, for example bars and taverns, plumbing and residential realty in most provinces; check the exclusion table on the page.
Construction, builders risk, manufacturing, wholesale distribution, warehousing, commercial realty. $50M line, quota share or layered, primary or excess; equipment breakdown available. Canadian domiciled risks with incidental US exposure.
Construction, wrap-up liability, manufacturing, wholesale distribution, warehousing, commercial realty. $25M line, primary, excess or umbrella. Canadian domiciled risks; US and international exposures considered.
Limits up to $25MM+, minimum premium from $500. Eligible classes: construction (contractors, sub-trades, architects, engineers, consultants), manufacturing, real estate (strata corps, boards), energy and resources (oil and gas, mining, forestry, renewables), med science including cannabis, sports and entertainment (subject to sufficient revenues), commercial and non-profit entities.
Focus on contractors, manufacturing, wholesale and distributors, real estate, professionals and technology, from small office exposures to complex contractors.
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.