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, not classified to any other Canadian industry, primarily engaged in providing other services to buildings and dwellings.
Specialist programs come first. Taken from each market's own website; confirm appetite before you submit.
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.
Primary, excess/umbrella and construction wrap-up. Contractors, excavation, electrical, plumbing and mechanical, blasting and shoring, welding, carpentry, oil and gas, mining, forestry, public sector, snow removal, roofing. Wholesale and manufacturing excess/umbrella over $100M including US exposure.
General contractors (existing or start-up, experienced) including faulty workmanship and contractor E&O; new construction and renovation contractors; industrial mechanics, electromechanics and welding contractors; roofers (cold process or heat application); plumbing and electrical contractors; snow removal; manufacturers and distributors including US sales and manufacturers E&O. Umbrella and excess also offered.
All trade contractors, HVAC and plumbers, oil and gas, lease site and pipeline contractors, road building and maintenance, excavation and quarrying, general contractors, snow removal (not public roads). Liability up to $10M ($5M primary plus $5M umbrella). Snow removal minimum premium $19,500 AB, BC, MB, SK and $32,500 ON.
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.
National package for contractors with more than incidental snow removal: CGL, property, contractors pollution, legal expense, cyber, umbrella. $5M primary, $10K to $25K minimum snow removal deductible, no revenue threshold on snow receipts.
Primary CGL for snow removal contractors, with an additional insured snow removal supplement.
Program for snow removal contractors. Details in the program brochure.
Targets high severity accounts, manufacturers, wholesalers and suppliers, snow removal and landscape contractors, start-ups, high US sales (up to 100%), goods made overseas, sports, leisure and recreation, entertainment and special events. Limits up to $10,000,000. Minimum premium $2,500. Declines long haul and US trucking, cannabis and pharmaceuticals.
Commercial property, equipment breakdown, CGL and commercial vehicles for cleaning, janitorial, maintenance and landscaping businesses (including laundromats).
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.
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.
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.