General Liability / Umbrella

• CGL & Umbrella Application Forms

We can offer capacity up to $2,000,000 under binding authority (CGL only) and for larger limits in the open market:

• Various classes under binding authority in conjunction with property placements.

SMALL CONTRACTORS (LLOYDS)

• The intention of this facility is to capture those Insureds who have previously found the cost of purchasing insurance too onerous and consequently have self-insured. It is designed to attract those contractors who have been uninsured in the past and do not need limits exceeding CAD 1,000,000, are claims free and are not currently insured at Lloyd's. If revenues exceed CAD 1,000,000 or limit exceeds CAD 1,000,000, policies will be subject to separate rating criteria.
• Minimum premium is $3,500, but for those up to $600,000 revenue premium is $6,000 / up to $700,000 now $7,000 / up to $800,000 now $8,000 etc.
  E.g. a contractor with revenues of say $830,000 pays $9,000.
• Minimum premium can be reduced where revenues are below $250,000.

Sublimits included for:

• E&O
• Faulty Workmanship
• Pollution
• Fungi

OTHER CONTRACTORS (LLOYDS)

Can write most types of contractor - $5,000,000 limit,
Exceptions:

• Snow removal in Ontario.
• Road work in B.C.
• B.C. roofers.
• Torch on membrane roofers (all other roofers O.K.).

Hot tar roofers - limit is $1,000,000 only. All other roofers $5,000,000.

Asbestos removal

Auto-recyclers - wreckers.

Logging contractors.

UMBRELLA & EXCESS

• Umbrella Application Forms

Stand Alone - We have capacity with various domestic insurers and Lloyds for a wide variety of risks including, but not limited to:

• Apts., condos, building ownership, malls, etc.
• Bus, train transportation
• Chemicals Manufacturing
• Contractors
• Electronics Manufacturing
• Farming / Fishing
• Food / Beverage Manufacturing
• Government / Municipality
• Health Services
• Machinery Manufacturing
• Metal Products Manufacturing
• Mining/Logging
• Movie theatres, casinos, golf clubs, ski hills
• Oil & Gas
• Pharmaceutical
• Pipeline, refineries etc.
• Plastics / Rubber Manufacturing
• Primary Metal-ferrous, non-ferrous Manufacturing
• Professional Assoc., service clubs, unions, churches
• Restaurants, bars, resorts, hotels, motels
• Retail
• Schools
• Tank farms, fuel dealers
• Textile / Clothing Manufacturing
• Transportation / Equipment Manufacturing
• Utilities - Telephone, communications, Distribution, Power generation
• Warehousing - All types of goods-may or may not incl. logistical work
• Wholesale - All types of goods.-Appetite will depend on country of mfg.
• Additional Classes of general liability are also available in the open market.

LIQUOR LIABILITY

Liquor Liability for Manitoba and Saskatchewan. Subject to the following:

1. All business will be done by way of fax or e-mail. Nothing verbal.
2. Manitoba and Saskatchewan risks only.
3. Premium payment within 15 days of binding from broker.
4. Apps to be completed, in full, excluding values on property section.
5. Declaration pages of expiring policies to be attached to application.
6. Submissions will take from 2 to 5 days for approval and rating.
7. Net quotes to broker.
8. CGL on occurrence basis.

For additional background on these products refer to the Library section of this site.