Residential landlords Insurance Markets

Student rentals, rented dwellings and condos, rented commercial condos, seasonal and short-term rentals, rooming houses, interim occupancy.

Commercial building owners. Commercial Building Owner Application (new and renewal).

Vacant buildings, vacant condos and commercial condos, buildings undergoing renovation, premises liability.

Rental properties including lost rental income; student accommodation dwellings.

Personal or commercial vacant buildings.

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.

Residential stratas over four units, rental apartment buildings, residential co-ops. Exterior glass, direct physical impact, excludes failed sealed units. $10,000 annual aggregate.

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

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.

Rented dwellings, multiple units, student housing, rented condos, vacant dwellings, older buildings, non-standard financial institutions, private mortgages, incorporated names.

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.

All residential rented dwellings and condos including rooming, short-term rental and seasonal occupancies; poly-b and aluminum wiring considered; standalone short-term rentals up to $1M TIV; semi-protected and unprotected risks.

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.

Hard-to-place residential property: condo units (owner and rented, no Airbnb), tenant-occupied and rented dwellings, secondary and seasonal homes, vacant dwellings (3, 6 or 12 months), student residences up to 4-plexes, rooming homes. Optional sewer backup, earthquake, flood and home-based business extension.

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

USLI instant quotes by phone (1-888-216-5838) or online for rented dwellings, apartments, allied health, artisan contractors, liquor stores, builders risk, caterers, contractors equipment, fitness centres, bars and restaurants, houses of worship, janitorial, laundromats, lessors risk, mercantile, offices, pet care, special events, vacant buildings and land and more. Not available in NB, NL, NS, PE, NT, NU or QC.

Apartment buildings, owners and landlords, commercial and industrial buildings, commercial condominiums, property managers.

Primary, secondary, seasonal, vacant and rented dwellings, up to multi-unit; niche habitational including student, subsidized and multi-unit.

Rented condo units: single family, short-term (including Airbnb type platforms) and student rentals compliant with local bylaws. Contents, improvements and betterments, $25,000 loss assessment, contingent coverage, CGL $1,000,000 to $5,000,000. Optional rental income and sewer backup.

Standalone single family, multi-unit and rented condo units, no building age restriction, minor renovations allowed. Broad form replacement cost property and CGL $1,000,000 to $5,000,000; $8M in-house property. Optional landlords contents, rental income, sewer backup, flood and earthquake.

Up to 4 bedrooms, aimed at young professionals sharing accommodation; must comply with local bylaws. Property and CGL $1,000,000 to $5,000,000; $8M in-house property.

Seasonal and short-term rentals including Airbnb type platforms, heritage facade buildings and condo units; must comply with local bylaws. Property and CGL $1,000,000 to $5,000,000; $8M in-house property.

Standalone single family, multi-unit and rented condo units used as student rentals; no building age restriction; must comply with local bylaws. Property and CGL $1,000,000 to $5,000,000; $8M in-house property.

Small to mid-sized mixed occupancy residential and commercial or retail, retail/mercantile, low hazard industrial, office and low hazard commercial buildings. Broad form replacement cost property for most risks plus liability, written at 100% or on a participation/subscription basis. Commercial condo unit application also available.

Standalone premises-only CGL for vacant land (residential or commercial), land held awaiting development, and occupied residential or commercial properties where property coverage is not required. Limits $1,000,000 to $5,000,000.

Vacant residential, industrial and commercial buildings, condos with interim closing, buildings under minor renovation, no building age restriction. Property with vandalism for most risks plus CGL. $8,000,000 in-house property; CGL $1,000,000 to $5,000,000.

Residential buildings of all construction types, from plexes to full portfolios, rented or condominium; apartment blocks, rooming houses, short-term rentals and condo board directors liability.

Properties with multiple dwellings. Discounts for condominium complexes and 55+ facilities.

Apartments, rented dwellings and student rentals, short-term residential rentals, and residential condominium or strata investors.

Building ownership, vacant or partially vacant buildings, vacant land and land leased to others.

Townhouses, apartments, rental portfolios, strata and condo corporations. Same property form as commercial realty, strata and condo D&O, group accident.

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.

Non-lead quota share property capacity for newer, purpose-built, luxury rentals; incidental commercial occupancy acceptable. Up to CAD 25M, maximum line 50% of TIV. Premiums from $7,500 net of commission. Minimum deductibles: $25,000 PD, $100,000 flood, sewer backup and water, earthquake 5% / $100,000. All provinces except Quebec.

Apartment blocks and rental dwellings. Manitoba / Saskatchewan.

Property damage, liability and loss of rental income for multi-unit residential properties.

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.

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.

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.

Rooming houses and properties with multiple student tenants.

Residential, commercial or industrial rental property owners.

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.

Real estate, manufacturing, development, warehouse and logistics, data and call centres, R&D and technology centres, industrial, alternative energy, M&A. Terms up to ten years.

Disputes with tenants through to enforcement of orders.

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.

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.

Residential, industrial and commercial buildings, owner-occupied and non-occupied, mixed-use, property portfolios, buildings and contents.

Building owners, including vehicles used for superintendent, building management or handyman services.

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.

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

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.

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.

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.

Multi-industry and single-industry specialists in construction, financial institutions, healthcare, life sciences, manufacturing, mining, oil and gas, power generation, professional services, real estate, renewable energy, technology, transport and logistics. Auto, CGL, cyber, D&O, equipment breakdown, inland marine, marine, E&O, property, surety, umbrella.

Small to mid size commercial property accounts; multi-location schedules for realty, residential rentals, office, retail, light industrial and light manufacturing. Also small residential rentals up to 8 units and student rentals.

Vacant buildings and vacant commercial condo units.

Building coverage, loss of income, premises liability and equipment breakdown for apartment buildings, commercial strips, office buildings and more.

Hard-to-place property: older combustible buildings, rooming houses and student residences, apartment buildings of 25+ units, non-standard heating or cooking suppression, restaurants under five years in business and street food vendors, bars without dancing or shows, heritage buildings.

Professional liability, commercial property, equipment breakdown, CGL, privacy breach and commercial vehicles for real estate and property management businesses.

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

All risks form for residential and commercial properties and hard-to-place property, including rental and rooming houses. Nationwide excluding Quebec.

Residential or commercial property up to $2,000,000 and premises-only liability up to $2,000,000; 3, 6, 9 or 12 month terms; up to 24 months maximum vacancy; $1,000 minimum deductible. Nationwide excluding Quebec.

Realty Plus and Realty Plus Enhanced.

Package for building owners. All risk, replacement cost, TechAdvantage, crime coverages.

Property protection against perils such as fire, theft and lightning.

Property for sale, in an estate name or temporarily unoccupied; property under redevelopment; vacant land during short or long term vacancy.

Package for owners renting commercial property to tenants: building, liability, loss of income, cyber coverage.

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.

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.

Tenant occupied buildings, new or old. Building owners, vacant risks, professional and office exposures, and small to medium contractors.

Focus on contractors, manufacturing, wholesale and distributors, real estate, professionals and technology, from small office exposures to complex contractors.

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.

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.

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.