Hot Products

Giving you Access to Ecclesiastical Faith Protect Product
As the leading insurer of faith organizations in Canada, Ecclesiastical Insurance is proud to present a newly developed product designed specifically for places of worship. Your Faith customers may range from the traditional religions occupying older buildings in smaller communities, to the newer, growing religions to Canada who may have large, modern buildings situated in urban centres; with this in mind, we offer many coverage options addressing your customers varying needs and requirements. As a specialist Insurer of Faith Organizations it is our goal to offer the best available insurance cover to all places of worship and to this end we have designed our Faith Protect/Faith Protect Plus product to compete with the broad Manuscript wordings currently available in the marketplace. But unlike our competitors, the Faith Organization will not be forced to deal with specific brokers in order to avail themselves of the best product: Faith Protect/Faith Protect Plus will be available through Totten Insurance Group as well as all contracted Ecclesiastical Insurance Brokers. The basic product offers insurance covering:  Property  Loss of Income  Equipment Breakdown  Crime  General Liability including Pastoral Counselling  Directors and Officers Insurance  Physical and Sexual Abuse (Child Protection Insurance)  Umbrella Coverage to wrap is all together Contact Laura Moses or Daniel Moses If you are located in Manitoba or Saskatchewan, contact Terry Gudmundson Or click here for an application
Special Risk Property
Risks that, due to physical hazard, previous experience, location or occupancy are   unacceptable to the "Standard" Markets.   Moral hazard cannot, under any circumstances, be underwritten.   You, the broker will provide a complete application with full information. Our   experienced staff will underwrite on an individual account basis and will provide the   "best" possible terms and conditions as quickly as possible.   In the majority of cases a Commercial General Liability or at least an Owners,   Landlords & Tenants form can be quoted at the same time and form part of the     same policy.   In House Binding $1,500,000 + Lloyd's binding slip $7,500,000 additional line   available with time. Contact Barb Dinan or Kelly McLean Or click here for an application
Agricultural Division New at Totten Group
A complete new division, handling all classes of farm and agricultural coverages across Canada, has been established by Totten Group. This new division will write - • Farm Packages – Property & Casualty • Equestrian / Riding Acadamies / Stables • Special Risk Farm Package • Animal Mortality • Farm Builders Risk / COC’s • Boiler & Machinery • Farm Machinery Ecclesiastical Insurance Office plc recently decided to focus their efforts on their core faith based business, and partnered with Totten Group to outsource the management of all their farm business across Canada. In addition, other domestic and international markets have joined Totten Group in providing these various coverages. An experienced team of Agricultural Underwriters has joined Totten Group to provide the needed expertise to write this business Canada wide. Adele Shelton Senior Agricultural Underwriter adeleshelton@tottengroup.com Linda McLeod Technical Assistant lindamcleod@tottengroup.com Click here for an application
Pro-Office Package
Placing Commercial General Liability coverage for a large segment of Professionals. Office Contents + Extensions Commercial General Liability The C.G.L. excludes all Professional Liability but it is warranted that an E&O on Professional Liability is in place. Targets Include: Architects & Engineers Consultants (not financial) Quasi Medical Technology Design Interior Design Landscape Architects Click here for Criteria and Summary of Coverages Click here for an application
Bed & Breakfast Package
Targeting this growing & unique segment of the Hospitality Industry across Canada with a competitive product in price and form. Broad Form Homeowners Base:
Bed and Breakfast Extension
Accounts Receivable	$2,500
Exhibition Floater	$2,500
Professional Fees	$2,500
Outdoor Signs	$2,500
Business Interruption	$10,000
Comprehensive Personal Liability
Extended to include operations of a Bed & Breakfast on said property Innkeepers Liability
Underwritten by Christine Horuc-Lake Click here for Criteria and Summary of Coverages Click here for an application
Roofing Contractors... No Problem
We have in place, a Lloyds facility that will entertain Roofing Contractors with the main Exclusion being "No open flame or torch application membrane roofing". In reality we are targeting: Hot tar work Hot air membrane work Cold shingle roofing Primary limit $1,000,000 - Minimum deductible $5,000 - Minimum Premium $20,000 Underwritten by Laura Moses Click here for an application
Chamber of Commerce
A package providing a quality product that will meet the general insurance requirements of your local Chamber. Any licensed Independent broker in Canada can have access to this program through Totten Insurance Group. This allows the Chamber to select the broker that not only has supported the local Chamber but that will also supply the local service on their account.
Coverages
Directors and Officers Liability This coverage will protect your officers and directors in the event they are held liable for damages caused by error, mismanagement, negligent acts, misleading statements, omissions, or any other wrongful act that results in financial loss to others. No non-profit organization should expect individuals to serve on their boards without this coverage. Limits can vary - minimum - $1,000,000
Commercial General Liability
Premises & Operations - This coverage protects your business in the event of loss due to bodily injury or physical damage arising from ownership, maintenance or any use of the insured premises. It also covers any legal liability that may occur due to any operations performed by your chamber. Extensions include:

Medical Payments	Personal Injury
Non-Owned Automobile	Tenants Legal Liability

Limits can vary - minimum - $1,000,000
Coverage available based on individual Chambers needs.
Building	Contents	Office Contents
Computer Package	Business Interruption	Employee Dishonesty
Broad Form Money & Securities

Application

Capacity Problems?

We at Totten Group have spent a good part of the last few months helping to solve Property Capacity Problems across Canada for Brokers and their clients.

There are a number of ways to bring the required limits to the consumer and we have the ability to provide the answer in the majority of cases.

Excess Insurance - Placed over a primary coverage and does not participate until the primary layer is exhausted, or until the loss exceeds a previously agreed upon amount. Over the last few months this has been an area that Totten Group has been very active in. A large number of domestic markets now accept this alternative as a viable method to place large property schedules.

Stop Loss - providing large capacity with rating based on the total values of the risk but with a maximum loss payout on any one occurrence. This is particularly effective on schedules with a multitude of locations.

Standard Business - We have put in place an Additional Capacity Facility using a pool arrangement with both domestic and Lloyds markets providing us with a $2,000,000 line across Canada. This in-house product allows us to respond quickly to your need for percentage participation on a standard piece of business, at rates and standard form following a recognized domestic commercial carrier.

High Valued Commercial Accounts - with adequate time and full submissions we can approach specialty Domestic and International markets that offer participation, or provide a quotation on an entire niche account.

If you have a capacity problem, “Approach the Approachables”,
at Totten Group.

Underwritten by Laura Moses

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