Totten Insurance Group offers a product that covers against physical loss or physical damage caused by an "Act of Terrorism" or an "Act of Sabotage."

An "Act of Terrorism" is defined as an act, or series of acts, including the use of force or violence, by a person or group(s) of persons, acting alone, on behalf of or in connection with any organisation(s), committed for political, religious or ideological purposes including the intention to influence a government and/or to instil public fear.

An "Act of Sabotage" is defined as a subversive act, or series of such acts, committed for political, religious or ideological purposes including the intention to influence a government and/or to incite public fear.

Why Do We Need This In Canada? 

Canada is not immune to terrorism and has been targeted for attacks. Canada is vulnerable to terrorism for the following reasons:

  • Extremists from environmental and animal-rights groups are willing to use dangerous and violent tactics in the fight for their cause (for example, extremists have engaged in arson attacks, tree spiking and spraying of noxious substances in public places so as to forestall logging operations; animal-rights extremists have mailed pipe bombs and letters containing razor blades tainted with poisonous substances to scientists and taxidermists, and hunting outfitters have publicized threats of poisoned food supplies).
  • White supremacists have been aggressively opposing the immigration policies of the Canadian government and have used violent rhetoric against the Jewish community.
  • Graduates of terrorist training camps in countries such as Afghanistan reside in Canada or continue to seek access to Canada.
  • Canadians have been involved in planning terrorist attacks in other countries, either while residing in or outside of Canada.
  • Pre-operational planning and reconnaissance have been undertaken in Canada on various targets in some of our major cities.
  • Osama bin Laden, the late leader of Al Qaeda, mentioned Canada as a "designated target" for terrorist action because of Canada's role in Afghanistan following September 11, 2001.

These vulnerabilities highlight the need for vigilance and specific counter-terrorism measures, as well as insurance coverage.

The coverage is available on a sublimit basis or can be obtained for full limits. The minimum premium for stand-alone policies is $250, and as low as $75 as an additional coverage (sub-limit) on our package policies.

In-house capacity of up to $15,000,000.

For new submissions please contact us toll-free at 1-888-868-8367, or email triage@tottengroup.com.