• Food & Beverage
• Home Electronics & Electrical Products
• Leather Goods
• Metal Workers
• Plastic Products
• Printers
• Textiles & Fabrics
• Utilities (excluding liability)
  

• Animal feed
• Chemicals, petrochemicals and refineries
• Nuclear
• Recycling and waste collection
• Sawmills
• Telephone and network service providers (property only)
• Liability for:
  • aircraft, vehicles & critical vehicle parts
  • computer software
  • machinery with U.S. exposure
  • pharmaceutical & medical
  • safety clothing & protective equipment
  • toys
    

• Minimum three years in business
• Minimum premium $5,000
• Favorable loss history
• Canadian operations including those with some U.S. and foreign exposures
• Good risk management practice
• Sound quality control program
• Well maintained equipment
• Adequate fire and theft protection

• Accountants
• Acupuncturists
• Appraisers
• Audiologists
• Auditors
• Bookkeepers
• Career advisory services
• Consultants including:
  • acoustical
  • actuarial
  • dieticians
  • management
  • health & safety
  • nutritionists
• Convalescent homes
• Dental laboratories
• Denturists
• Diaper, towel & linen services
• Draperies & rug cleaning
• Education advisory services
• Employment agencies
• Evaluators
• Funeral homes & related Operations
• Furniture cleaning
• Hearing aid service
  

• Horticultural/agricultural services & tree removal (excluding spaying)
• Lawyers
• Mailing and/or addressing companies
• Map drawing/draftsmen/blue printers
• Market research agencies or firms
• Marriage counselors
• Municipal risks (excluding liability)
• Notaries
• Nursing homes/rest homes (excluding chronic care facilities)
• Opticians
• Optometrists
• Photography studios and related services
• Small business advisory services
• Speech therapists
• Travel agencies
• Veterinarians including hospital, kennels, pet sitters
  

• Risks in which the primary operation is:
  • detective and security services, private investigators
  • driving schools, roadside assistance, ambulance services
  • property managers
    
• Liability for:
  • risks requiring abuse coverage
  • computer consultants and software developers
  • hospitals, clinics, chronic care facilities
  • medical research and laboratories, radiation/X-ray/lasers clinics or services
  • municipalities
    

• Minimum three years in business
• Minimum premium $12,000
• Risks not eligible for Small Business Solutions
• Favorable loss history
• Good risk management: experienced and qualified personnel
• Canadian operations including those with some U.S. and foreign exposures
  

• Truckmen hauling for others
• Delivery and courier services
• Farm products warehouse
• Freight terminal/broker
• Refrigerated storage lockers
• Household goods warehouses
• General merchandise warehouses
• Transportation terminal
• Waterfront operations

• Freight forwarders
• Freight/load brokers
• Custom brokers
• Logistics consultants
• Delivery services
• Courier services
• Truckmen hauling/carriage
• Warehousing (load/unload)

• legal liability and E&O for loss or damage to cargo of third parties while it is under stewardship of our Insured and /or the third party carriers they have hired
  

• Long haul operations
• U.S. exposure other than cross-border
• Waste and garbage
• Fibre/oils/petrochemical/
  fireworks/explosives
• Monoline liability

• Start-up operations (less than 3 years in business)
• High-target commodities (ie: gold, specie, computer chips)

• Risks not eligible for Small Business Solutions
• Minimum premium $12,000
• Minimum three years in business
• Favorable loss history
• Good risk management practices: facilities, projects and equipment

General Contractors

• building contractors
• highway, street, road paving
• watermain, sewer, steam main

Specialty Contractors

• alternative energy contractors
• antennae installation
• boiler installation
• cable installation
• carpentry/woodworkers
• ceiling tile installation
• cement and concrete work
• cleaning-streets, sewers, and drains
• conveyor system installation
• drilling (water, not oil/gas)
• driveway & parking lot paving contractors
• duct cleaning services
• electrical contractors
• excavation contractors
• fence works
• floor covering installation
  

• gas fitter
• glazier operations
• grading of land
• heating, ventilation and air conditioner installation
• home furnishing installation
• insulation contractors
• interior decorators
• irrigation construction
• machinery installation
• masons
• painting contractors (minimal spray painting
• plastering and lathing including drywall
• plumbers
• pre-case beams construction
• refrigeration equipment installation
• septic tank installation
• sheet metal contractors
• sidewalk contractors
• sign installation & service
• steam fitters
• structural iron or steel erection
• terrazzo/tile installation

• Operations outside of Canada
• Risks in which the primary operation is:
  • snow removal
  • blasting
  • spray painting
  • week spraying
  • shoring and underpinning
  • demolition
  • roofing involving hot processes
  • welding and cutting
    

• Risks not eligible for Small Business Solutions
• Minimum premium $12,000
• Minimum three years in business
• Favorable loss history
• Good risk management practices: facilities, projects and equipment
  

Small to medium size ICI
(industrial, commercial, institutional buildings)

• eg: offices, high-rise residential, schools

EAR (erection all-risks) - small to medium-sized projects

• eg: machinery installation, power plants, manufacturing plants
  

• wood frame residential sub-divisions
  • eg: single-family dwellings, townhomes, condominiums
• projects outside of Canada
  

• Contract Works (Builders Risk)
• Team Cover professional liability (underwritten by DPIC)
• Advanced loss of profits
• Cargo-to-construction
• Wrap-up liability
• Contract surety bonding (underwritten by GCNA)
  • bid bonds/tender bond
  • performance bond/final bond
  • supply bond
  • surety's consent/agreement to bond
  • payment bond/labor and material payment bond
    

Manufacturing/ Wholesaling

• Operations hauling own goods
• Predominantly short-haul radius (within 100 mile radius)
• Less than 50 power units
• Minimum three year continuous experience of operating the fleet
• Limited U.S. exposure-less than 30% of annual mileage and radius within 180 miles of the border
• Must have an in-force Loss Control Program

Subject to the following exclusions:

• hauling hazardous commodities or livestock
• drivers under 25 years of age operation units > 4500 kgs
• owner/operators not operating under an exclusive contract to the Insured
• operations where long-haul radius (greater than 100 miles) exceeds 20% of total trips
• hauling goods for others with long-haul and/or U.S. exposure
  

• Fleet consisting of light commercial & private passenger units
• Fleet managed, controlled by insured
• Establish driver controls in place
• All vehicles registered to Insured's company name
• Minimum three years continuous experience

Subject to the following exclusions:

• Passenger carrying vehicles, buses, taxis
• express delivery services, couriers
• security, alarm response operations
• units domiciled and operated outside of CDA
• recreational units: snowmobiles, ATV, motorcycles for personal use
• high U.S. exposure
  

• Bridge/tunnel/highway
  owner & ops
• Short haul truckmen
• Delivery services
• Grain elevators/terminals
• Tobacco warehouses
• Farm product warehouses
• Refrigerated storage lockers
• Household goods warehouse
• Waterfront operations
• Bus & truck maintenance garages
• Wharves, pier & dock operations
  

Subject to the following exclusions:

• Long haul operations
• U.S. exposure other than cross-border
• Bus/taxi/passenger carrying exposures
• Courier services
• Air terminal/hangar exposures
• Boat repairs
• Water transportation services
• Armored cars

• Artisans
• Home and industrial construction
• General contractors
• Road contractors
• Minimum three years continuous experience

Subject to the following exclusions:

• high rise/bridge construction
• drilling/logging/oil and gas contractors
• demolition/scrap metal contractors
• blasting contractors
  

• full description of use/radius of the vehicles, including destination cities
• complete & updated vehicle list, detailing any attached machinery and its value
• up-to-date and complete drivers list
• full details and breakdown of commodities carried
• loss information on incumbent company's letterhead for previous three(3) years experience minimum
  

• details of an in-force loss control program and commentary around driver controls in place
• heavy vehicles hauling goods - a copy of carrier's CVOR
• heavy units operation in the U.S. - prior year's fuel tax summary
• may be subject to an R&SA Loss Control Consultant visiting premises Insured

Outline

• Clients requiring non-traditional products, distribution and services
• Risk management property
  • risk management approach
  • full-time risk manager
  • $25,000 minimum premium
• Specialty Cover
  

• In support of CRS target segments
• Can be written on a mono-line basis and on non-CRS segments