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, known as independent real estate sales persons that are licensed to participate in the activities of buying and selling real estate for others, on a fee or commission basis. These establishments assist vendors by advertising and listing properties and conducting open houses for prospective buyers, assist prospective buyers by selecting, visiting and making purchase offers. Real estate agents are obligated by contract to represent real estate brokers and can be identified by various names such as sales representatives, sales associates and associate brokers.
Also in this class: brokers acting in the capacity of independent real estate sales persons; renting or leasing properties on behalf of clients
No exclusions listed for this class.
Specialist programs come first. Taken from each market's own website; confirm appetite before you submit.
Real estate agents, property management companies and surveying firms.
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.
Quote, bind and print program for 30+ professional office classes, including accountants, dentists, engineers, lawyers, physicians, real estate agents, software developers, graphic and web design, insurance agents and photographers. Home and leased offices. CGL and broad form property on contents. Excludes cyber, US operations and E&O. BC, AB, SK and ON.
Engineers, accountants, IT and media, architects, insurance brokers, real estate.
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.
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.
Service businesses such as accountants, advertising agencies, real estate agents and legal services: equipment, tenant's legal liability, business income, 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.
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.
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.
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.
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.
Professional liability, commercial property, equipment breakdown, CGL, privacy breach and commercial vehicles for real estate and property management businesses.
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.
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.
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.