Canadian Underwriter August 2018

Inside What’s new in claims management

www.claimscanada.ca

August-September 2018

The mental side of building flood resilience

Water woes

Specialty markets Your 46th annual guide to

Here’s the scoop: Niche coverage is taking over!

Discover the opportunities in today’s hottest lines and where to place more than 900 varieties of specialty risk

AUGUS T 2018 PM#40063170

+

Detecting the industry’s fraudsters

BY AMANDA HOLDEN

Preparing for court: How your client sees you

BY JOSEPH OPPENHEIM

The next revolution in auto safety

BY BRUCE CARRICK

PM40063170

PROMISES KEPT RECORDS BROKEN

Webb Simpson said, “My dad always told me to never give up.” Now we know, he never did. Congratulations to Webb Simpson for his history-making win at the 2018 PLAYERS Championship.

VOL. 85, NO.7, AUGUST 2018

CANADIAN UNDERWRITER

CANADA’S INSURANCE AND RISK MAGAZINE. PUBLISHED BY NEWCOM MEDIA INC.

www.canadianunderwriter.ca

FEATURE PACKAGE

Specialty Markets Guide The rise of specialty markets in Canada gives brokers a much wider array of choice in providing customized insurance coverage for their clients.

Like its predecessors, the 46th annual edition of our National Insurance Marketer lists dozens of markets where you can place specialized risks – more than 900 varieties in all. Better yet, this year’s guide explains what’s fueling the expansion of niche coverage, and shines the spotlight on eight particularly noteworthy specialty lines of business.

21 FEATURES

13

15

17

The Fraudsters Within

Behind Enemy Lines

Auto Safety Revolutions

The P&C industry is under siege by fraudsters, not only from outside the industry but from within it. Here’s how to detect fraudsters among us.

A trial lawyer offers tips to help maintain your client’s trust during the adversarial claims process.

We have entered a second revolution of auto safety, in which cars save their drivers from themselves. What does the third safety revolution hold?

BY AMANDA HOLDEN

BY JOSEPH OPPENHEIM

BY BRUCE CARRICK

August 2018 Canadian Underwriter 3

VOL. 85, NO.7, AUGUST 2018

Editor-in-Chief

Managing Director, Insurance Media Group

David Gambrill

ian@canadianunderwriter.ca (416) 510-6800

Associate Editor

Greg Meckbach

Director, Business Development

gmeckbach@canadianunderwriter.ca (416) 510-6796

Sandra Parente sandra@canadianunderwriter.ca (416) 510-5114

Online Editor

Jason Contant

Account Representative

jcontant@canadianunderwriter.ca (416) 510-6893

Jonathan Hogg

7

Editorial

8

Marketplace

88

Moves & Views

91

Gallery

jonathan@canadianunderwriter.ca 416-510-5122

Art Director

Production Manager

Gerald Heydens

Karen Samuels

Circulation Manager

(416) 510-5190

Mary Garufi mary@newcom.ca (416) 614-5831

Published by

NEWCOM MEDIA INC. 5353 Dundas Street West, Suite 400, Toronto, Ontario M9B 6H8 (416) 614-2200

Chairman and Founder

President

Jim Glionna

Joe Glionna

Vice President, Operations

Controller

Melissa Summerfield

Peter Fryters

Director of Circulation

Pat Glionna

Canadian Underwriter is published twelve times yearly by NEWCOM MEDIA INC. All rights reserved. Printed in Canada. The contents of this publication may not be reproduced or transmitted in any form, either in part or in full, including photocopying and recording, without the written consent of the copyright owner. Nor may any part of this publication be stored in a retrieval system of any nature without prior written consent. © Since 1934, Canadian Underwriter has been the voice of Canada’s insurance industry - a monthly magazine providing the highest quality and most relevant news and insight to insurance professionals from all segments of Canada’s property and casualty insurance market. The magazine is delivered on a direct-request circulation basis to nearly 15,000 senior decision makers nationally, including insurance brokers, risk managers, insurance and reinsurance company personnel, claims managers and adjusters. Since its beginnings, Canadian Underwriter has been a link between all segments of the insurance industry, providing insurance professionals with award-winning coverage of industry issues, trends, news, personalities and events - written by Canada’s leading insurance journalists.

Subscription Rates: 2018 Canada 1 Year $51.95 plus applicable taxes 2 Years $75.95 plus applicable taxes

Subscription Inquiries/Customer Service Mary Garufi (416) 614-5831 mary@newcom.ca

Single copies $10 plus applicable taxes, except $49 plus applicable taxes for July issue featuring annual Statistical Guide.

GST Registration number 890939689RT0001 Second Class Mail Registration Number: 08840 Publications Mail Agreement #40063170

Elsewhere 1 Year $71.95

Return undeliverable Canadian addresses to: Circulation Dept.

Canadian Underwriter 5353 Dundas Street West, Suite 400, Toronto, Ontario M9B 6H8

Member

ISSN Print: 0008-525 ISSN Digital: 1923-34

4

FOCUS

Ian Portsmouth

david@canadianunderwriter.ca (416) 510-6793

Canadian Underwriter August 2018

Empowering brokers through gamified learning

T

he network of deep, long-term partnerships we have formed with the broker channel is at the core of our business.

These relationships are a testament to RSA’s continuing commitment to investing in our mutual success. However, an increasingly competitive market can put a strain on those relationships, especially in the context of insurers flocking to the

direct channel. It is important for brokers to work with an insurer who has the resources and experience to support the Personal Insurance broker channel as customer expectations shift in today’s market. As customers see brokers as trusted advisors, it is in the best interest of any insurer to invest in the tools and training to empower its broker partners and set them up for success.

The Power of You Earlier this year, we launched The Power of You, an initiative that encourages brokers to engage, learn and interact with RSA, so that they can keep abreast of new products and coverages, regulatory and rate changes and other information that could be valuable to their customers.

Based around a superhero theme, the campaign puts the power in brokers’ hands by allowing them to acquire badges based on their activity, including webinar participation, brochure downloads or video views.

Knowing that brokers are competitive and committed to doing right by their customers, we gamified the platform, giving brokers full control of their engagement level.

Ultimately, the more they participate, the better counsel they will be equipped to provide as third-party advisors.

The program is focused on key Personal Insurance areas that are topical, relevant and key differentiators to working with RSA. Waterproof Coverage™ is one such example which was recently updated to protect against evolving flood risks, including sudden and rapid snow or ice melt. We’ve also introduced a new Water Service Line Endorsement to protect water and/or sewer lines connected to the home.

Another area is our partnership with the AIR MILES® Reward Program which allows customers the opportunity to get one AIR MILES® Reward Mile for every $20 in premium (including taxes)*. Not only do customers benefit and get more out of their policy, our data shows that the reward program helps increase brokers’ retention rates by up to five per cent.i Also, our Climate Smart program helps brokers identify and protect against potential risks to their customers’ property. Climate Smart educates brokers of changing

*For terms and conditions, visit www.rsabroker.ca/airmiles i Based on policy retention data collected by RSA Group in 2018.

events, earthquakes and more. This is becoming more crucial as global weather patterns are becoming less predictable. Access to Climate Smart via The Power of You is another way the platform allows brokers to remain more competitive by providing additional expertise.

Broker Participation Ultimately, brokers have full control over their participation level, leaving the power in their hands. Throughout the campaign, brokers can track their progress and acquire any missing badges by completing the corresponding activity. Those who acquire all the badges will be entered to win a true superhero experience: a trip to the closest thing to Gotham City (New York City)!

Conclusion Over the course of our partnership, we have learned that the best way to maintain and evolve the relationships with our Personal Insurance broker partners is to keep them informed and engaged as the external environment evolves. The Power of You is just one way RSA plans on doing that. Come September, we will be introducing extensive broker training with 10 new courses that focus on prospecting, sales and productivity to further empower brokers to excel in the service they provide to customers. That is how our commitment to brokers takes form, by putting our words into action that drives our mutual success.

To learn more, visit rsabroker.ca/powerofyou.

What’s inside a Chartered Insurance Professional designation?

PRINCIPLES DISCIPLINE ANTICIPATION Throughout the Canadian insurance industry, there are over 18,000 people who have earned the Chartered Insurance Professional (CIP) designation. CIPs undergo rigorous training and education, operate at a highly professional level and adhere to a strict code of conduct.

Get your CIP through the Insurance Institute to enhance your skills and serve your clients better today and in the future. insuranceinstitute.ca/cip

EDITORIAL

When the cats come back, the very next day

The P&C insurance industry is facing a new breed of risk — simultaneous or back-to-back natural catastrophe events.

David Gambrill Editor-in-Chief Canadian Underwriter david@canadianunderwriter.ca

As bad as the weather in Canada has been over the past decade, it’s projected to get worse through to 2050. Consequently, the property and casualty insurance industry is facing a new breed of risk – simultaneous or back-to-back natural catastrophe events.

The Insurance Bureau of Canada issued a detailed report in 2012, Telling the Weather Story, that projects current climate patterns into 2050.

Summarizing the findings very basically, whatever natural catastrophes we are witnessing now, they will be at least 10-20 per cent worse in three decades.

That means more frequent and severe: • droughts and wildfire in Western Canada; • rain and flooding in Ontario and Quebec; and • freezing rain storms, flooding and hurricanes in the Atlantic provinces.

Events that occur once every 20 years now will happen once every decade in 2050.

In the future, it seems more likely that natural catastrophes will happen either simultaneously or follow closely on the heels of one another.

Exaggerating to prove a point, imagine a month in which the proverbial “Big One,” a Magnitude 8+ earthquake, strikes B.C., a wildfire razes an Alberta town, microburst thunderstorms flood eastern

Canada, and a hurricane blasts Atlantic Canada.

Does Canada’s P&C industry have the adjusting and contracting resources required to tackle the increased likelihood of this kind of multiple-whammy?

The question came up recently in Ontario and Quebec, where weather-related catastrophes happened within two weeks of each other in April and May. After an ice storm hit Ontario and Quebec in mid-April, causing $190 million in insured damage (mostly in Ontario), a freak windstorm blew through the same provinces in early May, adding another $410 million of insured claims damage to the bill (mainly in Ontario).

Some industry observers felt the May windstorm “caught the industry by surprise.”

Overall, it should be said that P&C professionals rose to the occasion as they typically do. Certainly, the industry was “all-hands-on-deck” for the windstorm. Ultimately, thousands of policyholders got their repairs done, received their insurance cheques, and moved on with their lives.

But within the P&C industry, some queried whether the windstorm response required some adjustments. Some stories emerged (perhaps apocryphal) suggesting that individual well-meaning contractors and adjusters had exceeded their areas of expertise in providing service to clients.

It is not at all my intention to disparage or belittle the efforts of the many thousands

of exemplary, seasoned P&C industry professionals who clearly exceeded the expectations of the people who matter most — the policyholders. Those who raised these minor hiccups did so in the context of highlighting a broader issue for the industry.

If the Ontario windstorm was indeed a test case for how the industry handles back-toback cats, what will happen in the future when the claims community is called upon to respond to even larger and more frequent back-to-back catastrophes?

As in any business, not just the P&C business, bad things happen when not enough people are available to accomplish the task at hand. If too many individuals wear too many hats, the overall quality of service is at risk.

How to reduce this risk?

One way is to tackle the issue of inter-jurisdictional mobility. Independent adjusters have argued for some time that Canada needs a bettercoordinated, multi-jurisdictional approach to adjuster mobility for cat scenarios.

If the Fort McMurray fire in Alberta happened at the same time as the Ontario windstorm, how quickly would adjusters have been able to deploy their resources across the country, given the hodgepodge of mobility restrictions that face them now? This is an important issue that needs to be discussed nationally.

Ideally, this conversation would start before the cats come back, the very next day.

August 2018 Canadian Underwriter

7

MARKETPLACE TOP COURT UPHOLDS LAW AGAINST DOUBLE RECOVERY The Supreme Court of Canada has upheld a longstanding principle that an insurance claimant should not recover twice for the same kind of loss arising from the same auto accident.

Kossay El-Khodr was driving a tow truck Jan. 9, 2007 when his truck was rear-ended by a truck driven

by Raymond Lackie, owned by John McPhail, and insured by Northbridge Commercial Insurance Corporation.

El-Khodr was catastrophically impaired and “liability was admitted” by the time of a

INSURER OWES $234K WHEN NAMED INSURED IS NOT THE CAR OWNER Ontario’s Motor Vehicle Fund recovered $234,574 in a priority dispute arising when GAN Canada Insurance (since acquired by Aviva Traders) sent a policy termination notice in 2001 to a named insured who was not the owner of the car involved in a fatal crash.

The Ontario Court of Appeal upheld a finding by a lower court judge that the policy termination notice was incorrectly sent to the “named insured” – the vehicle

IS AUTO INSURANCE RIDING INTO THE SUNSET? Property lines premium in Canada is catching up to auto premiums, prompting many to predict that auto insurance will recede in the rearview mirror in the future.

Back in 1999, auto made up half of all direct premiums written, while property accounted for 31%, data from MSA Research show. Last year, auto accounted for 42% of DPW and property 39%.

So why is the proportion of auto business shrinking?

“It’s not so much that auto is shrinking (yet), but property is growing much faster as

8

Canadian Underwriter August 2018

personal injury lawsuit trial in 2015, as Ontario Court of Appeal Justice Jean MacFarland noted in a decision last year. El-Khodr was initially awarded $2.9 million by a jury of the Ontario Superior Court of Justice.

Overturning a lower court ruling, the Court of Appeal for Ontario found that any accident benefits that El-Khodr received from his insurer, RSA – including $500,000 for future professional, medication and assistive devices — should be assigned to the defendants’ liability insurer, Northbridge.

The Supreme Court upheld the appeal court ruling.

Double Recovery

owner’s wife, who arranged the policy – instead of her husband, the owner of the vehicle.

Anne Leonard first purchased the automobile insurance from GAN Canada Insurance in 1999. She contacted GAN by telephone and spoke with a representative who issued her an ‘owner’s policy’ for two vehicles. Anne Leonard’s husband, Peter Leonard, was the registered owner of the two insured vehicles.

When Aviva Traders could not withdraw premium amounts from Anne Leonard’s bank account in September 2001, it sent

a notice of termination for failure to pay premiums by registered mail addressed to Anne Leonard. One month later, her son was involved in an accident that killed the son’s friend (the driver who lost control of the vehicle) and catastrophically injured another passenger.

The Fund settled with the catastrophically injured passenger and then successfully sought recovery from Aviva Traders, arguing that the insurance policy had not properly been cancelled since the notice went out to the named insured and not the owner of the vehicle.

a line of business,” says MSA Research president and CEO Joel Baker.

“More people in urban centres are forgoing getting a car and opting for transit or Uber/Lyft.

Some downtown condos don’t offer parking spots etc. Longer term, autonomous vehicles will diminish the auto line further. I think it is safe to say that the sun is beginning to set on auto as the dominant line of business.”

Baker predicts the shift will happen sometime over the medium to long term.

MARKETPLACE

HOW AN ABANDONED NEIGHBOURING PROPERTY INCREASES FLOOD RISK Lindsay Bunce got a nasty shock one cold winter day when she and her husband went down to the basement of their Toronto home.

“We were surprised to find about two inches of water across our basement and water coming in at quite a rapid rate from our shared wall with the other house,” Bunce said in an interview.

The 104-year-old home she shares with her husband is semi-detached.

The adjoining home is abandoned.

The flood occurred this past January when the temperature was well below freezing. Bunce conjectured that the causes of the burst pipe were lack of maintenance and extreme weather.

The couple are still dealing with their insurance provider and restoration work is still ongoing. It has been “a little bit of a struggle” to find the owner of the home next door, Bunce said.

In Canada, the average cost of a flooded basement is $43,000, says Blair Feltmate, head of the Intact Centre for Climate Adaptation at the University of Waterloo.

WHY BROKERS ARE LEERY OF CARRIERS’ UBI MOBILE APPS Usage-based insurance has raised the profile of insurers on consumers’ electronic devices, and this could be bad news for some brokers.

“As a brokerage we take exception to the telematics [mobile app] because it competes with our marketing message,” says Adam Mitchell, principal of Whitby, Ont.-based Mitchell & Whale Insurance Brokers Ltd. He was speaking at a PCUC Luncheon in Toronto.

Several auto insurers use UBI to offer discounts based on data gathered from telematics. The technology lets insurers gather data from insured vehicles such as distance, location, speed, sudden acceleration and hard braking.

Mobile apps offering UBI also tend to feature the insurer’s name and logo prominently. This is prime marketing real estate for brokers as well. Mitchell offers an example in which the broker is Mitchell & Whale, the insurer is Intact, and the insurer’s mobile app is My Driving Discount.

“When you go into the app, you see [Intact’s] brand,” Mitchell explains.

But meanwhile, as a broker, he adds, “I am trying to keep the relationship with you as my customer, because I might move you from Intact, or Economical, or RSA, and so on.”

This has the potential to be “marketing war” on a customer’s smart phone between a broker and a carrier, Mitchell suggested.

WHY CANADIANS WON’T BUY INSURANCE FROM FACEBOOK, AMAZON OR GOOGLE — FOR NOW As it stands now, most Canadians aren’t likely to buy insurance products from “BigTech” companies such as Amazon, Facebook and Google, a recent survey shows.

Globally, just one in three customers said they would be willing to buy insurance from the likes of Amazon, Facebook and Google, according to a recent report from the global consultant Capgemini (produced in collaboration with Efma, a global non-profit association of banks and insurers). In Canada, that number dropped about 10 percentage points to about one in five customers.

Why are Canadian customers less likely than the global average to consider purchasing products from BigTech firms?

Canada’s aging population is a factor.

About 29% of Gen Y customers and 39% of tech-savvy customers are likely to purchase insurance from BigTech firms, compared to the global average of 29.5%. “Tech savvy” customers are defined as people who frequently use online and mobile channels to conduct transactions such as purchasing electronics, clothes, food and groceries, paying bills, etc.

“The overall percentage in Canada, however, is brought down by the non-Gen Y and non-tech-savvy customers,” says Satish Weber, digital insurance leader with Capgemini. Only 19.7% of non-Gen Y consumers and 14.2% of non-tech savvy customers are likely to purchase from BigTech.

The global report surveyed 10,000 personal lines customers in 20 countries, covering all three broad insurance segments – life, non-life and health insurance.

August 2018 Canadian Underwriter

9

REGISTER TODAY! Tuesday, August 28, 2018 SHERATON CENTRE TORONTO

The Digital Future of Insurance: Is Risk Passé?

The 2018 Insurance-Canada.ca Executive Forum No, risk is definitely not passé, but it is changing dramatically. Consumer expectations, innovation, and ubiquitous technology are enabling effectiveness, efficiency, and – most significantly – customer delight.

The digital future is bringing new winds of change. Catch that wind and hold on for success.

Mark Dowds

Rob Galbraith

Alice Keung

Baiju Devani

Co-Founder, Trōv

Director, Underwriting Research, USAA

Chief Transformation Officer, Economical

VP, Enterprise Analytics, Aviva

Insurers and InsurTechs: Competitors or Collaborators?

The 7 Deadly Sins of Insurance

Panel: “Innovation Drives Change In Insurance Risk”

Insurance in the Age of Algorithms

Will insurance companies be able to keep up with InsurTech innovation?

Explore emerging business models; discuss who is likely to win the race.

Learn how the “sins” create unprecedented market threats – and opportunities – that will fundamentally and permanently alter the P&C insurance world.

Innovation in insurance: from the culture in our organizations to the way we engage our customers and the very nature of our insurance products.

The algorithmic-driven mindset is helping to digitize workflows, introduce “BigData” and invest in AI. Putting it together is hard; explore the pitfalls.

PRESENTED BY

DETAILS AND REGISTRATION:

www.insurance-Canada.ca/ICEF Join your colleagues at the 2018 Insurance-Canada.ca Executive Forum to discuss strategies to win tomorrow’s customers.

Thank you to our sponsors!

GOLD SPONSOR

SILVER SPONSORS

BRONZE SPONSORS

MEDIA SPONSOR

MARKETPLACE THE STATE OF OVERLAND FLOOD COVERAGE IN CANADA TODAY Five years after massive flooding caused more than $4 billion in uninsured losses in Alberta, more than a dozen insurers representing about three-fourths of Canada’s property insurance market are now covering overland flood.

Sixteen insurers representing 77% of the market now offer overland flood coverage, says Craig Stewart, vice president of federal affairs for Insurance Bureau of Canada.

IBC is not naming all 16 carriers offering overland flood. Those who publicly advertise it include Aviva, The Co-

operators, RSA, Gore Mutual, Wawanesa, Economical, Desjardins (whose brands in Canada include State Farm and The Personal), Intact, and Coachman.

Water damage coverage is still a concern because overland flood is not available at affordable rates to hundreds of thousands of Canadian homeowners, mainly because they live in areas deemed by insurers to be at a high risk of flooding, Stewart told Canadian Underwriter.

IBC has recommended that Canada have insurance for homes at high risk of flood where the coverage is administered by insurers but the capital is provided by government.

LEADING CANADIAN INSURERS ‘LOOKING AT M&A INTENSELY’ Brokers can expect to see at least one major carrier consolidation deal this year, assuming that the prediction of a major mergers and acquisitions (M&A) advisory firm holds true.

Of the top 10 Canadian P&C insurers, “it could be expected that a few of them are looking at mergers and acquisitions intensely,” says Georges Pigeon, Montreal-based partner with KPMG’s transaction services group. “My expectation would be that some of them would contemplate an acquisition in the coming years if the right opportunity comes along.”

He made his comments in an interview about a June KPMG International report, Accelerated evolution – M&A, transformation and innovation in the insurance industry. In that report, 80% of insurance executives surveyed worldwide “expect to seek one to three acquisition targets or partnership opportunities over the next three years.”

On average, over the past 10-15 years in the Canadian P&C marketplace, there has been at least one “major acquisition of a carrier” each year, Pigeon says. He predicts the trend will continue, although he did not go so far as to speculate on specific carriers.

In Canada, the question is “whether anyone wants to sell, and that will drive whether we see another transaction,” says Tim Prince, a Torontobased partner with KPMG Canada’s advisory service.

“It remains to be determined what the mechanism would look like,” Stewart said. “We don’t believe that low-risk insurance policyholders should be subsidizing those who have been permitted to continue living in harm’s way.”

WHEN YOUR MECHANIC GIVES YOU INSURANCE ADVICE After following up on their mechanic’s suggestion to file a retroactive insurance claim, a B.C. couple is now on the hook for an $800.75 repair job to their 2010 Toyota Prius.

Blenda and Raymond Pilon made an auto insurance claim after the headlights of their Prius were damaged due to the effects of a heavy snowfall, followed by heavy rain, in January 2017.

In support of their claim, they produced an Oct. 17, 2017 letter from the mechanic stating that their vehicle was damaged from water intrusion caused by a snowfall that engulfed the vehicle.

The couple told a B.C. small claims court that when the repairs were performed, they did not know if insurance would cover the claim. “They only considered an insurance claim when their mechanic suggested it months later,” wrote Kate Campbell, the adjudicator for B.C.’s Civil Resolution Tribunal.

The mechanic, however, was not aware of the specific policy wording, which states that the car owner must not “make any repairs to the vehicle, other than repairs that are immediately necessary to protect the vehicle from further loss or damage.”

The Insurance Corporation of B.C. (ICBC), the province’s public insurer, had not had an opportunity to inspect the vehicle before the couple took it to their mechanic for repairs, the tribunal found. Neither the couple nor the mechanic had kept the damaged headlight assembly for inspection by the insurer, causing the coverage to be voided.

August 2018 Canadian Underwriter 11

OCTOBER 10-12

HILTON L AC-LEAMY GATINEAU, QUEBEC SESSIONS INCLUDE: The Journey • Part I: Distribution - The Times They are A'Changing - Blurred Lines • Part II: Transformation: I Robot – Personal Lines Version

The NICC is Canada’s pre-eminent insurance conference attended by senior executives of insurers, brokers, reinsurers, risk managers, regulators and industry associations. Together with our senior advisory committee of industry CEO’s, we are once again making the NICC a can’t-miss industry leadership event.

• Part III: Protection, Traditional Reins vs.

Capital Markets

Alister Campbell NICC 2018 Emcee

Fireside Chat with OSFI’s Jeremy Rudin Global Leaders' Panel Closing the Commercial Coverage Gaps - What Are They and What Can Be Done About Them?

The Merits of a (Re)Insurance Blockchain Consortium to the Canadian Market

Hilton Lac-Leamy Gatineau, Quebec

REGISTER TODAY:

NICCANADA.COM COPYRIGHT MSA RESEARCH INC. 2018, ALL RIGHTS RESERVED

Feature l Fraud

Finding the Fraudsters Within How analytics can ferret out rogue insurance professionals who game the system.

W

Amanda Holden National Executive Fraud & Security Intelligence SAS Canada

e all know the insurance industry is under siege by fraudulent activity from the outside. Examples abound of unscrupulous actors — including rehab and health care providers, car repair facilities, tow truck drivers, lawyers and claimants — seeking to game the system. Last year, calling auto insurance fraud a systemic “industry” that costs its taxpayers $1.6 billion annually, the Ontario government vowed to create a Serious Fraud Office to tackle the problem.

But what about those attacking the system from within?

Last year, a partner in an insurance firm based in Lethbridge, Alta. pled guilty to a charge of bilking the company out of half a million dollars in commissions over the last decade, by creating fake accounts and altering existing ones. The alleged fraud only came to light after another employee reported anomalous activities in the partner’s book.

One personal and commercial insurer estimated that internal fraud might amount to as much as 10 per cent of premium volume.

The techniques of fraudsters within the P&C industry are varied. Among the most common are: • skimming or lapping premiums (funneling customer premiums into fake accounts); • fraudsters use their own money to create fake policies to score commissions, incentives, and bonuses, and then let the policies lapse; • forging policyholders’ signatures; and • churning (convincing customers to terminate their policies and buy new ones, collecting extra commission in the process).

In some instances, agents may potentially write policies for higher-risk customers at a reduced rate (rather than one that might make the customer walk away), thereby collecting commission on policies that expose the company to higher payouts and inaccurate risk management.

One challenge for insurers lies in the velocity, variety and volume of networked transactions, which increase the threat exposure. Another is using limited investigative or audit resources effectively. How do you find a needle when you’re not even sure in which haystack its buried?

August 2018 Canadian Underwriter 13

Feature l Fraud Fortunately, fraudulent activity leaves a data footprint that rings alarm bells in the analytical organization.

DATA FOOTPRINT The simplest definition of analytics is the process of turning data into insight. Sifting algorithmically through data, applying statistical principles, pattern recognition, data modelling, machine learning and other techniques, an analytics regimen can discover previously unknown connections that can predict outcomes, trace the symptoms of anomalies and help define more effective and efficient business rules.

If the sheer volume of data collection were the solution, we would be well on our way to a fraud-free world. The volume can be as much a liability as an asset, both in its sheer crushing weight and its bewildering variety: reports and spreadsheets, databases and time series, social media posts and email messages.

It takes powerful technology — and more importantly, powerfully attuned business and data sense — to filter that ocean into a drinkable glass of water.

HAYSTACK INTO HAY BALE There is a rich and deep catalogue of analytical techniques with a track record of preventing and predicting fraudulent activity. First steps need not be complex: good data, strong knowledge of business processes and simple business rules often find the low-hanging fruit. From there, an organization’s fraud analytics practice can grow in sophistication, balancing risk management and customer experience. Among those tools: Peer grouping with geospatial and other agency attributes Like-size agencies in similar geographies and demographics should have similar books. An agency that stands out for policies of particular advantage — for example, in professions that offer significant discounts or policy types that can reap better commissions and bonuses —merits further investigation.

14

Canadian Underwriter August 2018

“One personal and commercial insurer estimated that internal fraud might amount to as much as 10 per cent of premium volume.”

Anomaly detection Agencies that, for example, write a substantial amount of business outside their geographical area could be systematically flipping policies to increase commissions.

In this example, fraud may be detected through “unsupervised learning” by an analytics system (the application of statistical techniques and analysis).

There is also a category of “supervised learning,” which is taught through industry experience and a library of analytical precedent.

Target definition Three years of policy, quote and claims data, together with a history of agent gaming, is typically enough for an analytical system to use machine learning to create accurate predictive models.

Social network analysis Analytics systems can discover unexplained relationships of policy activity and entity — for example, apparently

unrelated policies linked to a common telephone number or email address.

Integrating these techniques into an overall analytics strategy can help flag gaming activity more often and more accurately, allowing investigative resources to be used in a more cost-effective manner.

ANALYTICS IN ACTION The risk management practice of one of the largest insurers in the United States faced a challenge policing its huge number of agents and policies. Collating the documentation for a single case took 17.5 hours and still returned a false positive rate of nearly 50 per cent.

The company’s strategy to develop an analytics-based approach to the problem was threefold: • Integrating policy, quote, claim and internal audit data, and then cleansing and standardizing it.

• Applying anomaly detection, predictive modeling and social network analysis to create an alert generation process.

• Creating a hybrid scoring system based on a combination of business rules and model and Social Network Analysis scores.

The result? Agent review time plunged from 17.5 hours to three. Having five times as much investigative time came in handy: the improved alert system flagged 10 times as many files.

BONUS POINTS Fraud detection isn’t the only area that can reap efficiencies from an analytics strategy. The side effects of an anti-fraud initiative can lead to less flashy improvements such as closing system loopholes, flagging poor business practices, enabling automated reporting and monitoring, and aligning compensation practices. All of that is reflected in the bottom line.

All these efficiencies are predicated on the collection and integration of data from across the organization. Data can overwhelm, or it can be mastered to improve the business. Advanced analytics is the key.

Feature l Claims

Where’s the Trust?

Behind enemy lines: a trial lawyer suggests ways for insurers to build trust with clients during the adversarial claims process.

Joseph Oppenheim Partner Carbert Waite LLP

I

n the movie As Good as it Gets, Jack Nicholson brilliantly plays a germophobic curmudgeon who is forced to take care of his neighbour’s incontinent dog, Verdell. They don’t like each other – Jack once tossed Verdell down the garbage chute after he caught Verdell peeing all over the apartment building – but fate has brought them together. When Verdell enters Jack’s apartment for the first time, Jack looks at him almost sympathetically; then, with a sinister smile, rhetorically asks: “Where’s the trust?”

Full disclosure: I am a trial lawyer who represents insured policyholders in claims against insurance companies. From my perspective, as with Jack and Verdell, I see little trust between insurers and third-party claimants, although admittedly comparisons to a curmudgeon and a dog are unfair to everyone involved. Also, I’m not suggesting that insurers harbour a personal animosity toward their clients.

That said, I’ve seen many claimants perceive the claims process as one in which the insurer is trying to take advantage of them. They are usually unaware of the legislation, regulations and professional ethics that govern the insurer’s behaviour. The result is that claimants become skeptical in dealing with adjusters, resulting in a form of paralysis of the claims process.

“From behind enemy lines,” as a trial lawyer, I can think of three ways that insurers can build trust with claimants.

Assume the claimant will be getting free legal advice.

There are too many lawyers. Everybody has a friend or a relative that is a lawyer. It is probably safe to assume that claimants will be getting some free legal advice. To the extent that a lawyer confirms the adjuster’s information is kosher, the adjuster’s credibility will be enhanced. This high-

August 2018 Canadian Underwriter 15

Feature l Claims lights the value of explaining the claims process to the claimant thoroughly from the beginning.

Explain the process before asking for information.

In my experience, many claimants know very little about the claims process. They don’t appreciate, for example, that: • it is inherently adversarial, • they are obligated to provide evidence in support of their claim, • they need to be transparent with respect to the treatment they receive, their medical history, their income, etc., or • limitation periods apply.

I have observed that when adjusters first take the time to educate claimants about the process, claimants are more likely to engage in it properly and transparently. My recommendation is to go through this information in some detail

before asking the claimants for information or consent to obtain their personal information. I also recommend that adjusters encourage claimants to seek legal advice. All of this will assist in building trust.

Make moderate requests for information.

I disagree with the practice of asking claimants to consent to the disclosure of all their medical records going back years before an accident. While it may be administratively efficient, such a request is often not appropriate for a particular case and can be seen as overly intrusive

and unjustified. When a claimant seeks legal advice about it, they will likely be advised to refuse. This tends to deepen the trust deficit.

Instead, I recommend that adjusters consider the nature of the claim on a case-by-case basis and take an incremental approach to information requests. Once an adjuster starts obtaining some information, it may well be the case that further requests are justified. If one proceeds in this fashion, claimants are more likely to cooperate, and claims will be more smoothly assessed.

Both sides benefit when a claim is adjusted smoothly, and when claimants are forthcoming with their information. In most cases, claimants are less sneaky than they are skeptical. A little understanding goes a long way. Bodily injury practices that emphasize transparency and moderation will more likely result in forthcoming and transparent claimants.

LOSS CONTROL INSPECTOR

16

Canadian Underwriter August 2018

Feature l Automotive

Next-Generation Safety First, there was the seatbelt. Next were driver-assist safety features. How will the third safety revolution affect underwriters?

A

second auto safety revolution is now upon us. Onboard vehicle safety features are no longer “passive,” in the sense that their job is merely to reduce accident severity. Rather, they are rapidly becoming “active” – designed to reduce accident probability (eg. frequency).

Today’s underwriter needs access to the Bruce Carrick data that underpins this reality. In auto Director of Product insurance, good predictive analytics must Marketing Solera Canada (Audatex) accommodate inputs and conditions that are more complex. From full VIN decoding to deep data science, it is clear one must invest in the resources, skills and partnerships that prioritize a world run on algorithms.

In this way, insurers will be prepared for a third auto safety revolution, which is rapidly approaching.

(NHTSA). The year 1972 holds the record for most U.S. motor vehicle fatalities (54,589), and it has fallen ever since. The Insurance Institute for Highway Safety (IIHS) reports that the rate of fatalities per hundred million miles travelled in the U.S. dropped over 63% (from 3.23 to 1.18) between 1976 and 2016, when both population and the total number of miles driven increased.

The insurance industry adapted. The math had changed after Volvo introduced its new seat belt technology. Whether or not the policyholder drove a Volvo mattered more.

Figure 1 (see Page 18) perhaps best illustrates progress in safety during the first revolution. As a test, the IIHS collided a 2009 Chevrolet Malibu with a 1959 Chevrolet Bel Air, with an unbelted test dummy behind the wheel. The impact of technology in keeping drivers safe over the years is self-evident.

THE FIRST SAFETY REVOLUTION: CURBING DEATH

THE HUMAN PROBLEM

The first 50 years in the life of the mass-produced automobile saw a huge increase in vehicle ownership, along with a steadily increasing rate of accident related deaths. Car crashes were simply part of the price society paid for the upside of a personalized, motorized solution.

Then came the first safety revolution. In 1959, Sweden’s Volvo became the first automaker in the world to include seatbelts as standard equipment. A decade or so later, the US government formed the National Highway Traffic Safety Administration

Numerous improvements have contributed to vehicle safety since the first revolution; one element that has proven to be difficult to re-engineer is the ‘nut behind the wheel.’ The inevitability of driver failures—thus crashes—was once considered a given. Therefore, design objectives centred on survivability, guided by a “passive” safety philosophy. In this approach, the onus is on the driver to be safe, and onboard safety features and systems are available if something goes wrong.

August 2018 Canadian Underwriter 17

Feature l Automotive to demonstrate before it’s even allowed to be put on the road.” Chen believes third parties should contribute to developing vehicle safety standards, and that these standards should be applied to all vehicle manufacturers and component suppliers. His point applies across the full spectrum of performance, not only to platform security.

Insurance underwriters could, and should, contribute to that exercise.

ROAD TO THIRD REVOLUTION: BETTER VIN DE-CODING Figure 1 – In this crash test involving two Chevrolets, the 2009 Malibu’s occupant compartment remained intact (above left) while the one in the 1959 BelAir (right) collapsed.

From an insurance underwriting perspective, little has changed since the early days. The basic model used to calculate risk relies on human factors derived from years of experience.

Gathering information such as gender, age, occupational status, years licensed, driving history, etc. remains the foundation of the process.

It is no longer enough.

SECOND SAFETY REVOLUTION: SUNSET ON COLLISIONS The digital age upends the philosophy of passive safety with an active approach.

Shepherded to light through advanced driver assistance technology, connected cars and artificial intelligence, modern solutions challenge the idea that crashes should be part of the narrative.

“Active” safety technologies measurably enhance both human and vehicle driving performance. They promise to reduce both accident severity but also accident frequency. For example, the U.S. Highway Loss Data Institute (HLDI) has found that vehicles equipped with forward-collision alert were 27% less likely to rear-end another vehicle. If also equipped with automated emergency braking, the figure rises to 50%.

Some active safety technologies are more effective than others. For instance, the HLDI found that lane-keeping as-

18

Canadian Underwriter August 2018

sist does not measurably reduce crashes.

Thus, it will be important to assess the impact of these features both individually and collectively as integrated systems.

Road travel risk may never be fully eliminated, but it could be driven downward to the point of near unthinkable rarity. Going forward, insurers must harness an increasing volume of data streams and revise their underwriting models to properly assess the changing nature of auto risk.

THIRD SAFETY REVOLUTION: DRIVEN BY DATA, LITERALLY In tomorrow’s world, evaluating vehicle system performance will be critical. As the importance of human performance declines relative to machine performance over time, underwriting models will need to shift. Gathering and analyzing data generated by these new vehicle systems will be critical to understanding the changing dynamic between machine and operator.

It will also be important to understand the relative performance of similar technologies offered by different manufacturers. BlackBerry CEO John Chen, when discussing his company’s growing presence in this arena, said: “The government needs to take a strong role in defining the minimum level of security that an autonomous platform needs

A practical challenge for underwriters involves determining a vehicle’s technology profile. Today, many active safety features are standard on high-end models, optional on mid-range cars, and often unavailable on the low end.

A logical step in the underwriting process is to fully decode a vehicle’s identification number (VIN). However, only some VIN decoders translate the full 17 characters to provide all the available information on vehicle model, including factory-installed options and equipment.

Unlike many passive safety features, active systems are far from ubiquitous.

Taking it a step further: when developing a new underwriting model, a reanalysis of past loss data (including a full VIN decode) might yield some important insights into the prevalence and effectiveness of various active safety technologies.

FINAL TAKEAWAY We’re in the middle of a second automotive safety revolution, with a third revolution on the horizon. Preparing and adapting for the current disruption in data management and interpretation is key for success now, and imperative for viability tomorrow.

Insurers should proactively seek new sources of data from third parties that open windows into these needs. Partnering with companies that can offer analytical tools and horsepower as well as global loss data will prove invaluable.

Oct 9 & 10 TH

TH

2018

HILTON LAC-LEAMY, GATINEAU, QC

Where Insurance Leaders & Innovators Meet to Create Opportunity & Growth InsurTech North provides attendees with an essential avenue to connect with experts in all key sectors important to profitable long-term growth – incumbents, entrepreneurs, venture capitalists, incubators, regulators and advisors. Come to InsurTech North to make deals, learn from others, and build relationships with peers and colleagues.

InsurTech North runs back-to-back with the National Insurance Conference of Canada (NICC) at the Hilton.

InsurTech North Oct 9-10

NICC Oct 10-12

Register for both & save $200

WOLF PACK

MARKETPLACE

EXPERT PANELS

Witness InsurTech North’s Startup Pitch Competition. Industry insiders put forth the best of their den. See which startup is strong enough to run with the pack .

Tell us who you want to meet and we’ll arrange a date! Private conversations open doors to future opportunities. Join a table where like-minded participants meet to hone in on areas of interest.

• State of the Union – Where Are

Things Going?

• Integration With Incumbents –

Breaking Cultural Logjams • Regulatory/Policymaker Roundtable –

Can Regulators Keep Pace?

Register now: www.insurtechnorth.com

Markel.

Expect more from your insurance carrier

Commercial general liability Cyber risks insurance Directors and officers liability Environmental impairment liability Life sciences Professional liability Property and inland marine Security and protection industry Umbrella and excess liability

Helping brokers with effective insurance solutions since 1966 Calgary Montreal Toronto Vancouver www.markelinternational.ca

2018 National Insurance Marketer

SPECIALTY MARKETS GUIDE THE RISE OF NICHE COVERAGE p.22 Discover how the vanilla CGL policy’s meltdown has changed the way you do business. It won’t be long before the many varieties and flavours of Specialty Lines become the new coverage standard.

OPPORTUNITY SPOTLIGHT We’ve approached P&C professionals for insights into what’s going on in some of the specialty market’s hottest lines. Here’s what you should know if you are interested in placing coverage in these markets.

Errors & Omissions

37

Financial/Legal

43

General Liability

51

Kidnap & Ransom

59

Marine

63

Pollution Liability

67

Sports & Recreation

71

Travel

75

PRODUCTS AND PROVIDERS Index

26

Product Directory*

31

Provider Contacts

84

* The Product Directory within the 2018 National Insurance Marketer is comprised of paid promotional listings. Other companies may offer similar insurance products. Participating companies supplied their listings information, which is current as of July 9, 2018.

For updated information, visit InsuranceMarketer.com.

August 2018 Canadian Underwriter

21

COVER STORY

Ubiquity of Specialty

Specialty ris Specialty Lines insurance is quickly becoming the new commercial standard, thanks to the meltdown of the vanilla CGL policy.

Here’s why you can expect to reach out to specialty markets more often in the future.

C

ommercial general liability (CGL) insurance is a must for just about any business client. But the bland vanilla flavour of CGL has so many limitations and exclusions that specialty risks such as cyber are increasingly tacked on to CGL’s standard coverage. As we move into an era that features cutomized coverage packages and more granular risk assessments, will everything soon start to look like a “specialty” risk? Will there be such thing as a “standard” CGL policy risk anymore?

WHAT’S SPECIAL ABOUT SPECIALTY?

The lines are already starting to blur. No black-and-white guide determines the difference between a standard insurance policy and a specialty policy. “There is not a set definition” of specialty insurance, says Dave Bresnahan, executive vice president of Boston-based Berkshire Hathaway Specialty Insurance, which entered the Canadian market in 2015.

Typically, a specialty coverage does not “fit in a box,” but rather “requires some tailoring of coverage” or changing terms and conditions to meet a client’s needs, he says.

22

Canadian Underwriter August 2018

es to the top “Specialty is a word that can mean different things depending on the insurance company you are dealing with,” says Brian Kelly, Montreal-based managing partner for risk management at BFL Canada Risk and Insurance Services.

For RenaissanceRe Holdings Ltd., specialty lines include those “that provide coverage for risks that are often unusual or difficult to place and do not fit the underwriting criteria of standard commercial products carriers,” as the company notes in its 2017 annual report.

Kelly cites as examples directors’ and officers’ [D&O] liability, employment practices liability, errors and omissions [E&O], crime, cyber and pollution.

VANILLA FLAVOUR

CGL’s “standard” insurance is intended to cover a company if it is found legally liable for an injury or property damage. It normally applies if a third party suffers a loss caused by the insured company’s operations, products or by accidents on company premises. “CGL is less sexy these days,” Kelly observes. “It’s a line of coverage that has been around forever.”

A CGL policy is commonly “a highly commoditized product,” says Wendy Sinclair, managing director of Jones Brown Inc. “It’s like cereal.” And, like some types of bland cereals, the standard CGL is not all things to all clients.

Many products offered in the industry today are an outgrowth of exclusions in the CGL policy. Examples include E&O policies, cyber liability and builder’s risk. “They became products because they were sort of filling the void in responding to claims situations that were getting knocked out by some of those CGL exclusions,” says Bresnahan.

For instance, CGL policies tend to exclude manufacturers’ E&O coverage. This type of policy covers manufacturers who have sold defective components to customers. These business clients cannot move their goods because they contain the malfunctioning parts purchased from the manufacturer.

BY GREG MECKBACH

23 August 2018 Canadian Underwriter 23

FEATURE STORY

Ubiquity of Specialty

CGL is becoming more like a “banner term” for a category of insurance, observes Gary Hirst, Torontobased CEO of managing general agent CHES Special Risk Inc. “So many extensions are being added to a general liability policy,” he says, citing as examples tenant’s legal liability and employers’ liability. Several insurers are starting to add professional liability coverage to their CGL policies. Extensions are being added because there is sometimes a “blurred line” between third-party liability and professional liability.

THE BLURRED LINE Take the example of a patient getting a massage at a clinic.

One of the legs on the tables breaks, causing the patient to fall and get injured. The patient sues the massage clinic, resulting in a liability claim.

In this scenario, Hirst notes, it’s unclear whether this is a case of negligence on the part of the company or professional negligence on the part of the masseuse.

“Is the claim because the table was broken and they didn’t do anything to repair it? Or is it because the person applying the massage was applying too much pressure and, in doing so, broke the table leg and injured the patron?”

Some Canadian insurers are starting to offer CGL policies with no aggregate limit. Aggregate limits may cause additional exposures for clients. For example, your client might have a CGL with a $2-million limit and a $5-million aggregate limit in a year. In this scenario, if there are three separate incidents in a year, each giving rise to a claim, the client could not get $6 million because the aggregate limit is only $5 million.

“CGL is still a valid, compelling and necessary product,” Sinclair says. “But I think its limitations are driven by the increasingly complex and changing world — a world that needs more than the CGL currently provides. Because of that, we have specialty coverage.”

Some exclusions in CGL policies are for risks that underwriters believe fall into a realm of business risk, as opposed to accidents. “There are definitely situations in which the customer will say, ‘Hey, I would like coverage for these things that aren’t necessarily

24

Canadian Underwriter August 2018

fortuitous or are not necessarily accidents – they are inherent risks to how we run and operate our business,’” Bresnahan says. In other words, business risks don’t necessarily relate to bodily injury or property damage.

For example, a common exclusion in a CGL policy is for damage to intangible property. In this situation, the policy does not cover financial loss if there is no bodily injury or property damage that led to the financial loss. When software development really started to take off in the late ‘80s and early ‘90s, insurers created CGL policy exclusions that would not cover property damage to components into which their product was inserted. Bresnahan cites the example of a silicon wafer being inserted into an electronic device. Although the circuit may not work, the wafer doesn’t “burn up and fry the inside of the device,” or otherwise cause “clear damage” to it, as Bresnahan notes. In this scenario, under the CGL policy, “the claims person would say, ‘No, sorry, you’ve got this impaired property exclusion,’” Bresnahan says.

To respond to such risks, insurers came up with technology E&O policies. These responded to the needs of software developers who had “clear risk and exposure to their product not functioning correctly, but that may not necessarily be covered under a CGL policy.”

Some people have a way with words, but we have a way with wordings!

Our ability to adapt and create insurance products that address emerging risks is what deďŹ nes us as a product leader. Our expertise enables us to craft thoughtful insurance solutions that meet the demands of a constantly changing world. Our speed and exibility are the key drivers of our value to brokers. This is what sets us apart, and we can help to set you apart too!

we quote more than Shakespeare ...

We doth quote at: info@cansure.com

www.cansure.com

2018 National Insurance Marketer

Category Index Air Conditioning ................................................32 Animals ............................................................32 Automobile .......................................................32 Aviation ............................................................33 Boiler & Machinery ...........................................34 Bonds ...............................................................34 Campgrounds ...................................................36 Captive .............................................................38 Carnivals & Fairgrounds ....................................38 Casino & Lawful Gaming ...................................38 Catastrophe ......................................................38 Charter Fare ......................................................38 Churches ..........................................................38 Computers ........................................................38 Course of Construction ......................................40 Credit Card .......................................................40 Credit Insurance................................................40 Creditor.............................................................40 Equipment (Excluding Computers) ....................... 40 Errors & Omissions, Malpractice, Professional Liability ......................................41

Product Index 8 on the Break ..................................................79 60 Amp Service ................................................76 100% U.S.A. Exports .........................................54 Above & Below Ground Storage.........................72 Abuse/Molestation ...........................................54 Access Providers ...............................................65 Accident ...........................................................79 Accident Death & Dismemberment ...................64 Accountants......................................................41 Accounts Receivable .........................................53 Actuaries ..........................................................41 Ad Agency .........................................................54 AD&D Only .......................................................78 Adjusters ..........................................................41 Administration ..................................................34 Adult Entertainment, Nightclubs ........................64 Advertiser................................................... 54, 73 Advertising Agencies..........................................73 Advertising Agents .............................................41 After the Event Legal Expense............................66 Agents & Brokers ..............................................41 Agri-Commercial ...............................................54 Agricultural Equipment ....................................66 Agricultural Machinery.......................................52 Agricultural Product ...........................................66 Agrologists ........................................................41 Air Cargo ...........................................................33 Aircraft ..............................................................33 Aircraft Hull .......................................................33 Aircraft Liability .................................................33 Aircraft Maintenance, Repairs and Hangars .......33 Air Flight Accident .............................................32 Airport/Air Meet Liability ...................................33 Airport Contractors ............................................33 Airport Premises................................................33 Air Show ...........................................................79 26

Canadian Underwriter August 2018

Farming ............................................................52 Financial & Legal ..............................................53 Fine Arts ...........................................................54 Floaters.............................................................54 General Liability ................................................54 Group ...............................................................64 Hospitality.........................................................64 Hospitals ..........................................................65 Individual Health ...............................................65 Internet .............................................................65 Jackpot Coverage ..............................................65 Kennels ............................................................66 Kidnap, Ransom & Extortion..............................66 Legal Expense Insurance ...................................66 Litigation Insurance ...........................................66 Mail Insurance ..................................................66 Manufacturing & Resources (Except Oil & Gas) .........................................66 Marine ..............................................................69 Miscellaneous Articles .......................................70 Municipal Schedules .........................................70 Municipalities ...................................................72 Museums ..........................................................72

Musical Instruments ..........................................72 Oil & Gas ..........................................................72 Overseas Exposures ..........................................73 Personal Injury ..................................................73 Political Risk .....................................................74 Pollution ...........................................................74 Property ............................................................76 Railway Rolling Stock ........................................77 Real Property ....................................................77 Renewable Energy.............................................78 Salons ..............................................................78 Schools ............................................................78 Sports & Entertainment.....................................78 Sports Promotion ..............................................79 Terrorism & Sabotage ........................................79 Travel ................................................................79 Trip Transit .........................................................80 Umbrella and Excess Liability ............................80 Utilities .............................................................80 Warehousing .....................................................80 Warranty ...........................................................80 Weather ............................................................80 Wholesale, Retail, Service .................................80

All Terrain Vehicles .............................................32 Amateur Sports Teams ......................................55 American Home ................................................80 Amusement Devices..........................................55 Amusement Equipment .....................................66 Amusement Parks .............................................55 Animal Air Cargo ...............................................33 Animal Rides ....................................................32 Antiques, Collector Cars ....................................32 Antiques, Hull and Liability ................................33 Appliance, Home...............................................80 Application Developers......................................65 Appraisers ........................................................41 Aqua Farms ......................................................52 Architects..........................................................41 Armored Car .....................................................53 Artisan’s Vehicles ..............................................32 Asbestos, Lead, Silica & Mould Remediation .....74 Asbestos Removal Consultants..........................41 Asbestos Removal Contractors ..........................41 Associated Liability ...........................................78 Associations .....................................................41 ATMs.......................................................... 76, 80 Auctioneers License ..........................................34 Audiologists ......................................................42 Auto Dealers Showroom ....................................80 Automobile .......................................................64 Automobile Dealers...........................................34 Automobile Repair Garages & Service Stations .............................................80 Auto Physical Damage.......................................32 Baggage ...........................................................80 Bailee’s Customers ...........................................53 Bailiff ................................................................34 Bands ...............................................................78 Bankers’ Blanket ...............................................34 Bankers Blanket Bonds .....................................53 Banks & Financial Institutions ...........................42

Bars, Sportsbars, Pubs, Lounges........................64 Basketball Shoot...............................................79 Bean Bag Toss ..................................................79 Bed & Breakfasts ..............................................64 Bid Bonds .........................................................73 Bingo ................................................................65 Bingo Halls .......................................................55 Biomass ...........................................................78 Biotechnology ...................................................66 Bison Ranches ..................................................32 Blanket Position ................................................34 Board of Education Liability Insurance...............78 Boat & Boat Supply Dealers..............................69 Boat Rental.......................................................69 Boiler & Machinery ...........................................73 Bonds ...............................................................38 Bonds-Private Investigation & Security Guards .............................................34 Book Publisher..................................................73 Borrowed/Rented, Legal Liability .......................33 Bowl .................................................................79 Bridges & Tunnels .............................................77 Broadcaster ............................................... 42, 55 Broadcasters/Podcasters ..................................65 Broadcasters, Radio & Television .......................73 Brokers’ Blanket ................................................34 Builders Risk .............................................. 69, 76 Building Centres................................................81 Building Supply Stores ......................................81 Burglar Alarm Installers .....................................42 Buses & Coaches..............................................32 Business Interruption ........................................72 Business/Medical/Excess Medical ....................80 Business Travel Accident ....................................64 Cablecaster................................................ 55, 73 Camera Floater .................................................54 Care, Custody & Control ....................................55 Career Counselors .............................................42

CONTACT INFO: PP. 84-86

Cargo ................................................................55 Cargo, Coastal...................................................70 Cargo, Contingent Insurance ..............................70 Cargo, Ocean ....................................................70 Carnet Bonds ....................................................34 Carnival and Circus ...........................................55 Casinos.............................................................55 Caterers ............................................................55 Cattle Farm .......................................................53 Cell Phone ........................................................40 Cemeteries, Morticians ......................................42 Central Alarm Monitoring Stations .....................42 CGL ..................................................................38 Charitable Institutions .......................................42 Chartered, Hull and Liability ..............................33 Charter Risks ....................................................70 Chemicals, High Hazard ....................................66 Church ..............................................................55 Claims Frequency..............................................76 Clinical Laboratories..........................................42 Clothing ............................................................66 Clubs & Community Associations ......................55 Coin Dealers .....................................................81 Collection Agents Bonds....................................34 Collections Agencies .........................................42 Commercial ......................................................64 Commercial Blanket ..........................................34 Commercial Equipment .....................................80 Complimentary Medical Practitioners ................42 Comprehensive .................................................34 Computer Consultants.......................................42 Computer Fraud ................................................38 Computer Professionals ....................................55 Computer Retailers ...........................................56 Computer Retailers or Wholesalers ....................81 Computer Service .............................................42 Concerts ...........................................................56 Concerts, Theatre ..............................................78 Condominiums, Directors & Officers ..................42 Condo Rental Protection ...................................76 Consignment Floater .........................................54 Construction of Plants .......................................78 Consultant ..................................................56, 74 Consumer Protection .........................................34 Container Handling Equipment ..........................40 Contents in Storage ..........................................76 Contingent Asset Indemnity ...............................66 Contingent Liabilities Indemnity.........................66 Contract Bond...................................................34 Contractors .................................... 40, 44, 56, 74 Contractors, All U.S. Risks ..................................56 Contractors, Blasting .........................................56 Contractors Bonus Incentives ............................79 Contractors, Demolition .....................................56 Contractors, Equipment ...............................54, 66 Contractors, Landscapers ..................................56 Contractors, Remediation ............................56, 74 Contractors, Roofing ..........................................56 Contractors, Spraying ........................................56 Contractor’s Vehicles .........................................32 Contractual Bonus/Incentive .............................78 Convenience Stores ..........................................81 Corporate Health Providers ................................44 Coupon Over Redemption .................................79

Courier Services ................................................32 Court ................................................................34 Crane Rentals ...................................................56 Credit Bureaus ..................................................44 Credit Card Companies .....................................44 Credit Card Processors ......................................44 Credit Insurance................................................53 Credit Unions ........................................34, 44, 56 Crew Personal AD&D .........................................70 Critical Illness ...................................................64 Crop Consultants ..............................................44 Crop Spraying ...................................................33 Crops, Standing Grain .......................................53 Crops, Tobacco ..................................................53 Crops, Vegetables ..............................................53 Customs, Excise ................................................34 Cyber Risks .......................................................65 Dams & Hydro Projects .....................................77 Dance Studio ..............................................44, 56 Data Fraud........................................................38 Data Processors ................................................44 Data Security ....................................................38 Day Cares .........................................................44 Day Nurseries....................................................56 Dealer Floor Plans .............................................81 Death & Disgrace..............................................78 Defendant’s Commercial Litigation Indemnity ..................................53, 66 Defense Base Act Liability .................................73 Delay Luggage...................................................40 Delivery Vehicles ...............................................32 Demolition Contractors......................................44 Demolition Derby ..............................................57 Dental...............................................................64 Dental Equipment Dealers ................................81 Design/Build ....................................................44 Developer/Sub Division ....................................34 Dice Roll ...........................................................38 Difference in Conditions ....................................76 Difficult To Define Trades and Professions ..........44 Digital Risks ......................................................44 Direct Mail Solicitation ......................................66 Direct Marketing................................................64 Directors & Officers ...........................................44 Direct Sales Agents ...........................................57 Disability.....................................................64, 73 Distilled Spirits..................................................80 Dogs, Full Mortality ...........................................32 Dogs, Named Perils ...........................................32 Drilling Equipment.............................................72 Driver Training Schools ......................................32 Driving Ranges ..................................................64 Drones ........................................................33, 57 Drugs, Pharmaceuticals, Perfumes, Cosmetics ...66 Earthquake .......................................................38 Eco-Adventure/Tourism .....................................79 EDP Equipment .................................................38 Educators .........................................................44 Electrical Contractors License ............................34 Electronic Equipment ........................................40 Electronics Manufacturer ...................................44 Employment Agencies, Counselors.....................45 Employment Practices .......................................45 Employment Practices Liability ..........................57

Engineers ..........................................................45 Engines, Rebuilt ................................................80 Entertainment ...................................................57 Envelope Draw ..................................................38 Environmental .............................................34, 74 Environmental Consultants ................................45 Environmental Contractors ................................57 Environmental Damage Liability.........................72 Equestrian ..................................................53, 57 Equestrian, Group .............................................57 Equestrian, Schools ..........................................57 Equipment Breakdown ......................................53 Equipment Dealers ...........................................81 Errors & Omissions .....................................64, 73 Esthetics ...........................................................57 Event Cancellation ............................................79 Event Planners ............................................45, 57 Excess ..............................................................74 Excess E&O, Malpractice and/or Professional Liability ......................................45 Excess Health ...................................................80 Excess Liability .........32, 33, 40, 57, 68, 72, 73, 78, 79, 80, 81 Excess Property ...........................................76, 78 Executors & Trustees .........................................45 Exhibition Floater ..............................................54 Exotic Animals...................................................32 Expatriate .........................................................64 Expatriate Term Life Including War Risk ..............80 Explosives .........................................................68 Explosives & Powderman ..................................57 Extended Care for New and Used Auto ..............80 Extended Product ..............................................80 Extended Warranties..........................................40 Extortion ...........................................................38 Facturing ...........................................................72 Family Farm Package ........................................53 Family Restaurants............................................64 Farm .................................................................57 Farm Equipment Dealers ...................................81 Farm Equipment & Machinery ...........................40 Farmer Disability ...............................................53 Feed Mills .............................................57, 68, 81 Ferries ..............................................................70 Festivals............................................................57 Fibre Optics Cable ............................................78 Fidelity ..............................................................34 Fiduciary.....................................................34, 45 Film and Entertainment .....................................79 Film Producers ..................................................45 Financial Guarantee ....................................34, 73 Fine Arts ...........................................................81 Fine Dining Restaurants ....................................64 Fireworks ..........................................................68 Fireworks Display ..............................................57 Fish Farms ........................................................57 Fishing Vessels ..................................................70 Fish Weight .......................................................79 Fitness Instructors.............................................45 Fitness Trainers .................................................57 Fixed Facilities ..................................................74 Fleets................................................................32 Flight Delay .......................................................40 Flood ................................................................38

August 2018 Canadian Underwriter 27

2018 National Insurance Marketer Florida Coverage ...............................................70 Florists ..............................................................81 Flying Club, Hull and Liability .............................33 Foodborne Illness .............................................65 Food Processing................................................68 Football Field Goal ............................................79 Forced Landing .................................................33 Foreign Property/GL & DIC ................................73 Foreign Risks ............................................. 32, 33 Foreign/U.S.A. Sales .........................................81 Foreign Voluntary Workers Compensation...........73 Forestry Equipment ...........................................40 Formation .........................................................38 Franchiser .........................................................45 Freight Forwarders.............................................45 Fronting Arrangements ......................................38 Fueling, Maintaining or Servicing Aircraft ...........33 Fuel Tax Bonds, U.S.A. .......................................36 Full Mortality, Horses (Other Than Farm Animals) .............................32 Full Mortality, Livestock......................................32 Fur Bearing Animals, Named Perils ....................32 Furriers .............................................................76 Furriers Block ....................................................81 Gap ..................................................................32 Garage Dealers .................................................57 Garage Repairs Operations................................32 Garbage Collection..................................... 58, 74 Garment Contractors .........................................68 Gas Plants ........................................................72 General .............................................................80 General Contractors ..........................................64 Geophysical Equipment.....................................40 Glass ................................................................32 Global Master Controlled Programs ...................73 Golf Courses .................................. 58, 65, 76, 79 Grain Dealers ....................................................36 Grain Elevators ..................................................80 Grain Farm ........................................................53 Graphic Design .................................................45 Greenhouses.............................................. 53, 76 Ground Cover ....................................................33 Group Creditor ..................................................64 Group Term Life .................................................58 Guardianship ....................................................36 Hail...................................................................38 Hail On Crops....................................................53 Hairdressers, Barbers & Beauty Shops ..............45 Hangar Keepers ................................................58 Hangar Keepers, Hull and Liability .....................33 Hangars ............................................................33 Hard to Place Homeowners ...............................76 Hardware Manufactures ....................................40 Health........................................................ 64, 80 Health Clubs/Fitness Centres ..................... 45, 58 Helicopter, Accident ..........................................33 Helicopter, Hull and Liability ..............................33 Highly Protected Manufacturing Risks ......... 68, 76 High Net Worth Homeowners .............................76 High Performance/Cigarette Boats ....................70 High Risk Auto...................................................32 High Risk Auto – Class 35 & 36 Private Passenger ...........................................32 High Value Property ...........................................76 28

Canadian Underwriter August 2018

High Value Vehicles ...........................................32 High Value Yachts ..............................................70 Hobby Farms.....................................................53 Hockey Goal......................................................79 Hog Farms ........................................................53 Hog Producers ..................................................32 Hoisting Engineers ............................................58 Hole in One.......................................... 38, 66, 79 Home Closing Delay ..........................................76 Home Employed ................................................58 Homeowners .....................................................64 Homeowners with Boarders ...............................76 Homestays ........................................................65 Horse Racing Associations ................................38 Horses, Named Perils ........................................32 Horse Track Racing ............................................79 Hospital ............................................................58 Hospital Executives ...........................................46 Hospital Personnel ............................................46 Host Liquor .......................................................58 Hot Air Balloons ................................................33 Hotel/Motel ......................................................65 Hotel/Motel Theft ..............................................40 House Boats .....................................................70 Hovercraft (Air Cushion Vehicles), Hull and Liability ............................................33 Hull & Machinery ..............................................70 Hurricane ..........................................................38 Hydro Electric....................................................78 Identity Fraud Expense ......................................53 Identity Theft .....................................................40 Incidental Exposures .........................................73 Independent Schools ........................................46 Independent Schools/Day Cares .......................76 Industrial Electricians ........................................58 Information Technology .....................................46 Inland Waterway Vessels ....................................70 Installation Floater ............................................54 Installation Risks...............................................78 Insurance Brokers/Agents .................................46 Insurance Company ..........................................36 Insurers.............................................................46 Intellectual Property ..........................................58 Interior Designers ..............................................46 International Employee Benefits ........................73 Internet .............................................................58 Internet Liability ................................................73 Internet Service Provider ............................ 46, 74 Investment Counselors ......................................46 Investment Managers ........................................46 IPO ...................................................................46 Janitorial Bonds ................................................36 Jet Ski ...............................................................70 Jewellers Block ..................................................81 Jewellery ...........................................................76 Jewellery Floater................................................54 Jockey, Accident & Weekly Indemnity .................79 Joint Ventures ....................................................46 Judicial Delay ....................................................66 Judicial Delay Cover ..........................................53 Kennels ............................................................58 Kidnap and Ransom .................................. 64, 80 Lacrosse Target..................................................79 Landfill Transfer Stations ............................ 58, 74

Landscape Architects ........................................46 Land Surveyors .................................................46 Laser Treatments ...............................................58 Laundry/Dry Cleaners .......................................82 Law Enforcement Officers ..................................46 Lawyers .............................................................46 Leased Vehicles, Long Term ...............................32 Leased Vehicles, Short Term ..............................32 Legal Benefits ...................................................64 Legal Expense ..............32, 33, 40, 46, 53, 65, 76 Liability ................................................ 38, 64, 73 Liability, Corporate Aircraft .................................33 Liability Insurance .............................................46 Libel, Slander ....................................................74 License Permit ..................................................36 Life ...................................................................64 Life Agents Professional ....................................48 Life & Disability Creditor Lease..........................53 Light Industry ....................................................68 Limited Depreciation .........................................80 Liquor, Bars & Clubs .........................................58 Liquor, Retail Sales ...........................................58 Livestock Cargo .................................................32 Livestock, Named Perils.....................................32 Living Benefits ..................................................64 Local Cartage ....................................................32 Lodges, Fishing Camps......................................65 Logging .............................................................60 Logging Operations (and Brush Clearing Equipment) ....................................................68 Logging Trucks ...................................................32 Log Home Builders ............................................58 Long Haul Trucking Fleets ..................................32 Long Term Healthcare Facilities..........................60 Loss of Use Cover .............................................79 Lost Document..................................................36 Lost Document Bonds .......................................36 Lost Luggage .....................................................40 Lottery ..............................................................66 Lottery Bonds ...................................................36 Lucky Key Pick ..................................................79 Machinery.........................................................68 Machine Shops .................................................68 Magazine Publishers .........................................74 Maintenance Insurance .............................. 40, 41 Management.....................................................38 Management Consultants..................................48 Manicurist, Esthetician, Electrolysis ...................48 Manufactured Home Warranty ...........................80 Manufacturers...................................................48 Manufacturers’ Output.......................................68 Manufacturing, Hazardous Materials..................60 Marinas ............................................................70 Marine ..............................................................60 Marine Architects ..............................................48 Marine Cargo ....................................................73 Marine Craft ......................................................80 Martial Arts Studio ..................................... 48, 60 Massage ...........................................................60 Media Holding Companies ................................74 Medical...................................................... 48, 73 Medical Equipment ...........................................41 Medical Malpractice..........................................79 Medical Marijuana ............................................53

CONTACT INFO: PP. 84-86

Medical Products ..............................................68 Mercentile Risks................................................82 Metal Products (Auto Parts) ..............................68 Metal Products (Excluding Aircraft and Auto Parts) ..............................................68 Milk Farm/Dairy Farm .......................................53 Mining ..............................................................60 Mining Operations .............................................69 Ministers & Pastors ...........................................48 Miscellaneous Bonds ........................................36 Miscellaneous Property Floater..........................54 Mobile Homes (Non-Motorized).........................76 Money In Transit ................................................53 Mortgage ..........................................................53 Mortgage Broker................................................53 Mortgagee In Possession ...................................76 Mortgage Impairment ........................................53 Motorcycle Dealers ...........................................82 Motorcycles ......................................................33 Motor Homes ....................................................32 Motorsports ......................................................60 Motor Truck Cargo ...................................... 33, 60 Motor Truck Cargo Legal Liability ........................70 Multimedia Companies .....................................48 Multinational Benefits .......................................64 Municipal Architects, Engineers .........................48 Municipalities, Indemnity Bonds ........................36 Municipality ......................................................60 Municipality, Small ............................................60 Music Promoters ...............................................60 Mutual Fund Dealers .........................................48 Mutual Fund Managers .....................................48 Nail Salons .......................................................60 Network Breach Business Interruption & Crisis Management .....................................77 New Buildings ...................................................80 New Home Construction and Deposit Protection...................................80 New Home Warranty Program Bonds .................48 Newspaper Carriers ...........................................74 Newspapers ......................................................74 Non-Appearance ...............................................79 Non-CSA Woodburners ......................................77 Non-Destructive Testing .....................................48 Non-Ownership Pilot Liability .............................33 Non-Profit Media ...............................................74 Non-Profit Organizations, Directors & Officers ....48 Number Match ..................................................79 Nurseries ..........................................................77 Nursery/Garden Centre .....................................82 Occupational AD&D ..........................................79 Ocean Marine ...................................................70 Offshore Drilling ......................................... 70, 72 Oilfield Welding .................................................72 Oil & Gas Consultants .......................................73 Oil & Gas Hauling .............................................33 Online Rating Site .............................................65 Onshore Oil Well Drilling ....................................72 Opponents’ Cost Indemnity ...............................66 Opticians ..........................................................48 Optometrists .....................................................49 Orthopedists .....................................................49 Ostriches ..........................................................32 Ostrich Farm .....................................................53

Outbreak Extra Expense (Contagion Insurance Risk) ..............................................77 Outfitters & Guides ...........................................60 Out of Country Emergency Medical ............. 78, 80 Outstanding Balance.........................................40 Owner Occupied Dwellings ................................60 Owner Operated Long Haul ...............................33 Oxygen Bars ......................................................60 Packer Coverage................................................32 Paper Airplane Toss ...........................................79 Paper Products .................................................69 Passenger Personal AD&D .................................70 Patent and Trademark Agents ............................49 Pay Day Loans...................................................82 Penal Defense Cost ...........................................49 Pension Consultants..........................................49 Pension Trusts ...................................................49 Performance .....................................................36 Performance Bonds...........................................73 Permanent Make-Up .........................................60 Personal Computers ..........................................40 Personal Effects ................................................40 Personal Excess Liability....................................64 Personal Trainer .................................................49 Personal Training Studios...................................61 Pesticide Liability ..............................................74 Pet Insurance ....................................................32 Pet Insurance, Mortality Show Dogs ...................32 Petroleum, Natural Gas, Well Lease Property ......72 Pharmacists ......................................................49 Photo Voltaic .....................................................78 Piers and Docks ................................................78 Pilot Accident ....................................................33 Pilot Disability ...................................................33 Pilot Loss of License .........................................33 Pipelines ...........................................................78 Plaintiff’s Cost Indemnity ...................................53 Plantiffs Costs Indemnity ...................................66 Plastics, Synthetic Resins & Fibers ....................69 Player Participation ...........................................79 Pleasure Craft ...................................................70 Plumbing, Electrical Installations, Heating .........80 Pollution ...........................................................72 Pollution Consultants ........................................49 Portable Sawmills .............................................69 Poultry Farm .....................................................53 Poultry, Named Perils ........................................32 Power Generation ..............................................78 Premium Financing Companies .........................49 Premium Insurance ...........................................53 Primary or Excess Placements ...........................77 Printers .............................................................49 Printing Operations ...........................................69 Privacy Compliance ...........................................49 Private Investigators ..........................................49 Private School Tuition Fee ........................... 53, 64 Private Vocational Schools.................................36 Prize Indemnity .......................................... 38, 79 Prize Indemnity Bingo ........................................38 Prize Indemnity Internet Promotions ..................38 Prize Indemnity Lotteries ...................................38 Prize Indemnity Poker ........................................38 Prize Indemnity Slots.........................................38 Pro Athletes Life & Disability .............................79

Producer/Distributor Entertainment)..................61 Producers Errors & Omissions ...........................74 Product Contamination (Malicious) ...................69 Product Recall ..................................................69 Product Runoff ..................................................61 Project Managers ..............................................49 Promotion Incentives.........................................79 Property ............................................................73 Property Managers ............................................49 Protective Services ............................................61 Protective Services Industry ..............................82 Provincial License .............................................36 Psychiatrists......................................................49 Psychologists ....................................................49 Public Officials Liability .....................................49 Public Relations & Promotions ..........................50 Publishers .........................................................50 Purchase Protection ..........................................40 Quantity Surveyors ............................................50 Quasi Medical ...................................................50 Racing ..............................................................33 Racing Events ...................................................61 Racing, Spectator Liability .................................33 Radiologists ......................................................50 Radio Promo .....................................................79 Radio & Television .............................................61 Radio & Television Towers & Equipment .............78 Radio, TV and Film ............................................74 Radio & TV Broadcast Equipment ......................41 Railways & Rail Operations ...............................61 Real Estate .......................................................74 Real Estate Agents ............................................50 Real Estate Brokers, Salesperson ......................36 Recreation Vehicle Extended Warranties.............80 Recycling Centres..............................................61 Recylers ............................................................61 Refineries, Property & Liability ...........................72 Reimbursement for Educational Institutions.......50 Reinsurance ......................................................38 Rental Equipment Dealers .................................82 Rental Property .................................................77 Representations & Warranties ...........................53 Residential Stratas ............................................77 Resorts .............................................................65 Retail Chain Package ........................................82 Retail Flower Shops...........................................77 Retail Sales Promotion ......................................79 RIBO Bonds ......................................................36 Riding Academies/Stables ................................61 Riding Instructors, Accident and Weekly Indemnity ....................................79 Rodeos .............................................................61 Rooming & Boarding Houses ............................65 Royal Canadian Legions ....................................65 Rubber Recycling & Remanufacture ..................69 RV Dealers ........................................................82 Safety Deposit Boxes ........................................82 Safety Deposit Vault & Valuable Papers .............53 Safety Equipment .............................................69 Sales Tax ...........................................................36 Sand & Gravel Hauling ......................................33 Sawmills .................................................... 69, 77 Scientific Instruments .......................................41 Scrap/Wrecking Yards .......................................61 August 2018 Canadian Underwriter 29

2018 National Insurance Marketer Scratch and Dent ..............................................80 Scratch Cards ...................................................66 Seasonal Risks (Ski Lifts, Water Slides, Skating, Etc.) .................................................61 Securities Act ....................................................36 Security Guards ................................................50 Seed Cleaners ..................................................50 Seedsmen ........................................................50 Seismic.............................................................72 Self Storage Facilities ........................................82 Service Contractors ...........................................72 Shareholders Lost Instrument............................53 Ship Repair .......................................................61 Ship Repairers Legal Liability.............................70 Short Term Events (Sporting Events, Trade Shows) .................................................61 Short Term Rentals ............................................77 Silva Farms .......................................................53 Silverware .........................................................77 Single Projects ..................................................50 Site Preparation ................................................72 Skeet Perfect Game ..........................................79 Slots .................................................................66 Small Commercial.............................................61 Small Contractors .............................................36 Snowmobiles ....................................................33 Social Workers ..................................................50 Societies & Associations ...................................74 Software/Hardware ...........................................69 Software/Hardware Developers .........................50 Solar Power .......................................................78 Spas .......................................................... 50, 61 Spec House for Sale .........................................77 Special Events ..................................................61 Special Risks ....................................................33 Specie ..............................................................82 Spectator Liability .............................................61 Sporting Goods .................................................69 Sports, Accident and Liability ............................79 Sports Associations...........................................79 Sports Book ......................................................66 Sports Facilities & Arenas .................................62 Sports & Fitness Insurance ...............................52 Sprinkler & Fire Protection Installers..................50 Stand Alone Cyber Liability ................................62 Stand Alone Personal Lines ...............................80 Stand Alone Seasonals .....................................77 Standing Timber ................................................53 Statutory Defence & Reimbursement Program ...69 Stockbrokers .....................................................50 Stock Through-Put .............................................70 Stock Transfer Agents ........................................50 Stop-Loss (Health Benefits) ..............................64 Storage Risks ....................................................72 Storage Tank Liability.........................................76 Storage Tanks ....................................................78 Strikes, Riots and Civil Commotion ....................80 Student Accident...............................................78 Student Dwellings .............................................77 Student Medical ...............................................80 Substandard Property .......................................77

30

Canadian Underwriter August 2018

Substandard Risk....................................... 53, 65 Substandard & Surcharged ...............................33 Suntanning Salons ..................................... 50, 62 Surcharged Private Passenger Auto ....................33 Surety ...............................................................36 Surety Bonds ....................................................73 Tag Fish ............................................................79 Tattoo & Body Piercing ............................... 52, 62 Taxis..................................................................33 Tax Liability .......................................................53 Telecommunications..........................................52 Telephone Answering Services ...........................52 Tenant User Programs .......................................62 Terminal Operators ............................................70 Terminals ..........................................................38 Terrorism ........................................ 38, 62, 73, 77 Theatre .............................................................62 Theological Counselors......................................52 Timber Floater ...................................................54 Tire & Rim.........................................................77 Title Abstractors ................................................52 Title Insurance ..................................................54 Tobacco Tax .......................................................36 Toll Highways.....................................................78 Tombstone Floater.............................................54 Tornado ............................................................38 Tour Boats.........................................................70 Town Planners ...................................................52 Toys ..................................................................69 Transportation – Contingent Pollution.................33 Trade Disruption ................................................73 Trailers (Non-Commercial) .................................33 Translators ........................................................52 Transportation ...................................................76 Transportation Floater........................................54 Travel Agency.....................................................36 Travel Agents .....................................................52 Travel Insurance ................................................64 Travelling Athletes ..............................................79 Travel TI/TC/Med ...............................................40 Trial Disruption Indemnity ..................................66 Trip Cancellation ...............................................80 Truckmen’s Liability ...........................................62 Trucks ...............................................................33 Trust Companies ...............................................52 Trustee in Bankruptcy ........................................52 Trust Funds .......................................................52 Tugs, Barges ......................................................70 Tuition Expense Protection .................................78 UAS,UAV, Unmanned Aircraft..............................40 Umbrella ...........................................................52 Umbrella Liability ..............................................73 Underwater Marine Equipment ..........................41 Unions ..............................................................62 Unlicensed Vehicles ..........................................33 Unusual Buildings .............................................77 U.S. Bonds ........................................................36 U.S. Domiciled Risks .........................................73 Used Auto .........................................................80 Used Car Dealer................................................36 Used Car Dealers ..............................................33

U.S. Exposures ..................................................52 U.S. Insurance, All Lines, All States ....................32 U.S. Products Liability ........................................73 U.S. Risk ....................................... 72, 76, 78, 82, U.S. Sales .................................................. 62, 70 U.S. Workers Compensation ...............................73 Vacant House for Sale .......................................77 Vacant & Idle Buildings .....................................77 Vacation Rental/Security Deposit Insurance ......80 Vending Machine Floater ...................................54 Vending Machines .............................................77 Venture Capital .................................................52 Veterinarian................................................ 52, 62 Video Lottery Terminals .....................................82 Video Poker.......................................................66 Visitors Medical ................................................80 Visitors to Canada Medical ...............................64 Waiver of Probate ..............................................36 War ...................................................... 33, 38, 73 Warehouseman .................................................62 War Risk, AD&D ................................................73 War Risks ..........................................................62 War Risk, Term Life ............................................73 Water Theme Parks ............................................62 Water Transport Services ...................................70 Wave Pools .......................................................62 Weather Insurance ............................................53 Weather Promos................................................79 Web Design.......................................................65 Website Security ...............................................52 Wedding .................................................... 62, 77 Welding Contractors ..........................................62 Well Blow Out (Cost Of Control) .........................72 Wellness Clinics ......................................... 52, 62 Wharf & Waterfront Property ..............................70 Wind Farms ......................................................73 Wind Turbines ...................................................78 Wireline Logging................................................73 Wooden Boats ..................................................70 Woodland Equipment Floaters ...........................54 Woodworking Shops ..........................................69 Workers’ Compensation .....................................62 Workers Compensation Replacement ................64 World Wide Product Liability ..............................73 Wrap Up ...........................................................62 Wreckers ...........................................................33 Yacht Clubs .......................................................70 Youth Camps.....................................................64 Zoo Animals, Named Perils ................................32

SEE PAGES 84-86 For Company Contact Information

SEE PAGES ??

For Company Contact Information

2018 National Insurance Marketer AIR CONDITIONING A.M. Fredericks Underwriting Agile Underwriting Solutions Approved Surety & Casualty Inc. April Canada Inc. BI&I Burns & Wilcox Canada CHES Special Risk Inc. Chutter Underwriting Services Coachman Insurance Company Echelon Insurance ENCON Group Inc. Evolution Insurance Inc. GroupOne Insurance Services Liberty International Milnco Insurance Northbridge Insurance SGI Canada Trinity Underwriting Managers

ANIMALS

Animal Rides A.M. Fredericks Underwriting South Western Group SUM Totten Insurance Group

Bison Ranches Burns & Wilcox Canada CHES Special Risk Inc.

Dogs, Full Mortality CHES Special Risk Inc.

Dogs, Named Perils

Northbridge Insurance SGI Canada South Western Group

Livestock, Named Perils Burns & Wilcox Canada CHES Special Risk Inc. Economical Insurance Northbridge Insurance Totten Insurance Group

Ostriches

Courier Services

Poultry, Named Perils

Can-Sure Underwriting Ltd. Eagle Underwriting Group Inc.

Pet Insurance CHES Special Risk Inc.

Burns & Wilcox Canada CHES Special Risk Inc. Economical Insurance Northbridge Insurance

U.S. Insurance, All Lines, All States Burns & Wilcox Canada CHES Special Risk Inc.

Zoo Animals, Named Perils Burns & Wilcox Canada CHES Special Risk Inc.

Air Flight Accident

Burns & Wilcox Canada CHES Special Risk Inc.

Burns & Wilcox Canada CHES Special Risk Inc.

Full Mortality, Horses (Other Than Farm Animals)

All Terrain Vehicles

Burns & Wilcox Canada CHES Special Risk Inc. K&K Canada Totten Insurance Group

Full Mortality, Livestock

Antiques, Collector Cars

Burns & Wilcox Canada CHES Special Risk Inc.

Burns & Wilcox Canada CHES Special Risk Inc. Eagle Underwriting Group Inc. Echelon Insurance The Guarantee South Western Group Travelers Canada

Artisan’s Vehicles

Burns & Wilcox Canada CHES Special Risk Inc. Totten Insurance Group

Burns & Wilcox Canada Echelon Insurance Economical Insurance Northbridge Insurance South Western Group Travelers Canada

Livestock Cargo

Auto Physical Damage

April Canada Inc. Aurora Underwriting Services Burns & Wilcox Canada CHES Special Risk Inc. Coachman Insurance Company Eagle Underwriting Group Inc.

April Canada Inc. Burns & Wilcox Canada CHES Special Risk Inc. Eagle Underwriting Group Inc. Echelon Insurance Economical Insurance

Horses, Named Perils

32

Canadian Underwriter August 2018

Delivery Vehicles April Canada Inc. Eagle Underwriting Group Inc. Echelon Insurance Economical Insurance Liberty International Northbridge Insurance Travelers Canada

Garage Repairs Operations April Canada Inc. Can-Sure Underwriting Ltd. Chutter Underwriting Services Echelon Insurance Economical Insurance Liberty International Northbridge Insurance SGI Canada SUM Totten Insurance Group Travelers Canada

Glass Echelon Insurance Travelers Canada

High Risk Auto Echelon Insurance Liberty International

High Risk Auto - Class 35 & 36 Private Passenger April Canada Inc. Coachman Insurance Company Echelon Insurance Liberty International

High Value Vehicles Echelon Insurance The Guarantee Liberty International South Western Group Travelers Canada

Driver Training Schools

Leased Vehicles, Long Term

A.M. Fredericks Underwriting Echelon Insurance SUM

Echelon Insurance Liberty International Northbridge Insurance Travelers Canada XL Catlin

Excess Liability

Echelon Insurance Economical Insurance The Guarantee Northbridge Insurance Travelers Canada

Burns & Wilcox Canada CHES Special Risk Inc.

Contractor’s Vehicles

CHES Special Risk Inc.

CHES Special Risk Inc.

Exotic Animals

Hog Producers

Northbridge Insurance Travelers Canada

Pet Insurance, Mortality Show Dogs

Packer Coverage

AUTOMOBILE

Burns & Wilcox Canada CHES Special Risk Inc.

Buses & Coaches

April Canada Inc. Can-Sure Underwriting Ltd. CHES Special Risk Inc. Echelon Insurance Economical Insurance Frank Cowan Company Liberty International Northbridge Insurance South Western Group Travelers Canada

Burns & Wilcox Canada CHES Special Risk Inc.

CHES Special Risk Inc.

Fur Bearing Animals, Named Perils

Frank Cowan Company Liberty International Northbridge Insurance Totten Insurance Group Travelers Canada

Agile Underwriting Solutions Burns & Wilcox Canada Can-Sure Underwriting Ltd. CHES Special Risk Inc. Chutter Underwriting Services Eagle Underwriting Group Inc. Frank Cowan Company Markel Northbridge Insurance South Western Group SUM XL Catlin

Fleets Burns & Wilcox Canada CHES Special Risk Inc. Eagle Underwriting Group Inc. Echelon Insurance Economical Insurance Frank Cowan Company The Guarantee Liberty International Northbridge Insurance SUM Travelers Canada XL Catlin

Foreign Risks Burns & Wilcox Canada Can-Sure Underwriting Ltd. South Western Group

Gap Burns & Wilcox Canada

Leased Vehicles, Short Term Liberty International

Legal Expense Burns & Wilcox Canada DAS Legal Protection Inc.

Local Cartage A.M. Fredericks Underwriting April Canada Inc. Echelon Insurance Economical Insurance Northbridge Insurance Travelers Canada

Logging Trucks A.M. Fredericks Underwriting April Canada Inc. Burns & Wilcox Canada CHES Special Risk Inc. Northbridge Insurance

Long Haul Trucking Fleets Burns & Wilcox Canada Echelon Insurance Economical Insurance The Guarantee Markel Northbridge Insurance SUM

Motor Homes Echelon Insurance Economical Insurance

CONTACT INFO: PP. 84-86

The Guarantee Travelers Canada

Motor Truck Cargo A.M. Fredericks Underwriting Agile Underwriting Solutions April Canada Inc. Burns & Wilcox Canada Can-Sure Underwriting Ltd. Coachman Insurance Company Eagle Underwriting Group Inc. Echelon Insurance Economical Insurance The Guarantee Northbridge Insurance SGI Canada South Western Group SUM Travelers Canada

Motorcycles Echelon Insurance The Guarantee Travelers Canada

Oil & Gas Hauling Burns & Wilcox Canada Liberty International SGI Canada SUM

Owner Operated Long Haul April Canada Inc. Burns & Wilcox Canada Can-Sure Underwriting Ltd. Echelon Insurance Economical Insurance Northbridge Insurance SGI Canada

Racing K&K Canada

Racing, Spectator Liability Can-Sure Underwriting Ltd. CHES Special Risk Inc. K&K Canada SUM

Sand & Gravel Hauling Burns & Wilcox Canada Can-Sure Underwriting Ltd. Economical Insurance Northbridge Insurance SGI Canada Travelers Canada

Snowmobiles Echelon Insurance Economical Insurance The Guarantee

Substandard & Surcharged April Canada Inc. Burns & Wilcox Canada Echelon Insurance

Surcharged Private Passenger Auto April Canada Inc. Echelon Insurance Economical Insurance

Taxis April Canada Inc.

Transportation – Contingent Pollution Can-Sure Underwriting Ltd.

Trailers (Non-Commercial) Burns & Wilcox Canada Can-Sure Underwriting Ltd. Echelon Insurance Economical Insurance Liberty International Travelers Canada

Trucks April Canada Inc. Burns & Wilcox Canada Can-Sure Underwriting Ltd. Echelon Insurance Economical Insurance The Guarantee Liberty International Northbridge Insurance Travelers Canada

Burns & Wilcox Canada CHES Special Risk Inc. Eagle Underwriting Group Inc. Totten Insurance Group

Fueling, Maintaining or Servicing Aircraft

Aircraft Maintenance, Repairs and Hangars

Eagle Underwriting Group Inc.

CHES Special Risk Inc. Eagle Underwriting Group Inc. Totten Insurance Group

Airport Contractors CHES Special Risk Inc. Chutter Underwriting Services Eagle Underwriting Group Inc. GroupOne Insurance Services SUM Totten Insurance Group

Unlicensed Vehicles

Airport Premises

A.M. Fredericks Underwriting Agile Underwriting Solutions Can-Sure Underwriting Ltd. Chutter Underwriting Services Eagle Underwriting Group Inc. SUM

CHES Special Risk Inc. Eagle Underwriting Group Inc. GroupOne Insurance Services Totten Insurance Group

Used Car Dealers A.M. Fredericks Underwriting Agile Underwriting Solutions April Canada Inc. CHES Special Risk Inc. Chutter Underwriting Services Economical Insurance Northbridge Insurance SGI Canada SUM Totten Insurance Group Travelers Canada

Airport/Air Meet Liability CHES Special Risk Inc. Eagle Underwriting Group Inc. Totten Insurance Group

Animal Air Cargo CHES Special Risk Inc. Eagle Underwriting Group Inc. SUM

Antiques, Hull and Liability CHES Special Risk Inc.

Eagle Underwriting Group Inc.

Ground Cover Hangar Keepers, Hull and Liability Burns & Wilcox Canada CHES Special Risk Inc. Eagle Underwriting Group Inc. GroupOne Insurance Services

Hangars April Canada Inc. Burns & Wilcox Canada Eagle Underwriting Group Inc. GroupOne Insurance Services Milnco Insurance

Helicopter, Hull and Liability Burns & Wilcox Canada CHES Special Risk Inc. Eagle Underwriting Group Inc. Evolution Insurance Inc.

Helicopter, Accident Burns & Wilcox Canada CHES Special Risk Inc. Eagle Underwriting Group Inc. Sutton Special Risk

Hot Air Balloons Burns & Wilcox Canada

Hovercraft (Air Cushion Vehicles), Hull and Liability

Borrowed/Rented, Legal Liability

Burns & Wilcox Canada

CHES Special Risk Inc. Eagle Underwriting Group Inc.

Burns & Wilcox Canada

A.M. Fredericks Underwriting April Canada Inc. Burns & Wilcox Canada Chutter Underwriting Services GroupOne Insurance Services SUM

Chartered, Hull and Liability

CHES Special Risk Inc. Eagle Underwriting Group Inc.

AVIATION

Crop Spraying

Wreckers

Air Cargo Aurora Underwriting Services Burns & Wilcox Canada CHES Special Risk Inc. Eagle Underwriting Group Inc. Evolution Insurance Inc. Markel South Western Group SUM Totten Insurance Group Travelers Canada

Aircraft Burns & Wilcox Canada CHES Special Risk Inc. Eagle Underwriting Group Inc. Totten Insurance Group

Aircraft Hull

CHES Special Risk Inc. Eagle Underwriting Group Inc. Evolution Insurance Inc. SUM Totten Insurance Group CHES Special Risk Inc. Eagle Underwriting Group Inc. GroupOne Insurance Services

Drones A.M. Fredericks Underwriting Eagle Underwriting Group Inc. Frank Cowan Company

Excess Liability Burns & Wilcox Canada CHES Special Risk Inc. Eagle Underwriting Group Inc. South Western Group Totten Insurance Group

Flying Club, Hull and Liability CHES Special Risk Inc. Eagle Underwriting Group Inc. GroupOne Insurance Services

Burns & Wilcox Canada Eagle Underwriting Group Inc. Totten Insurance Group

Forced Landing

Aircraft Liability

Eagle Underwriting Group Inc. South Western Group

Agile Underwriting Solutions

Legal Expense Liability, Corporate Aircraft

Non-Ownership Pilot Liability Eagle Underwriting Group Inc. Evolution Insurance Inc.

Pilot Accident Burns & Wilcox Canada CHES Special Risk Inc. Sutton Special Risk

Pilot Disability Burns & Wilcox Canada CHES Special Risk Inc. Sutton Special Risk

Pilot Loss of License Burns & Wilcox Canada CHES Special Risk Inc. Product Liability Burns & Wilcox Canada CHES Special Risk Inc. Eagle Underwriting Group Inc. Totten Insurance Group

Special Risks Burns & Wilcox Canada Eagle Underwriting Group Inc. Sutton Special Risk

Eagle Underwriting Group Inc.

War

Foreign Risks

Burns & Wilcox Canada Eagle Underwriting Group Inc. Sutton Special Risk August 2018 Canadian Underwriter 33

2018 National Insurance Marketer BOILER & MACHINERY A.M. Fredericks Underwriting Agile Underwriting Solutions April Canada Inc. Aurora Underwriting Services BI&I Burns & Wilcox Canada Can-Sure Underwriting Ltd. CHES Special Risk Inc. Chutter Underwriting Services Coachman Insurance Company Echelon Insurance Evolution Insurance Inc. Frank Cowan Company GROUPASSUR Canada GroupOne Insurance Services Liberty International Markel Milnco Insurance Northbridge Insurance SGI Canada South Western Group SUM Totten Insurance Group Travelers Canada Trinity Underwriting Managers XL Catlin

BONDS

Automobile Dealers Approved Surety & Casualty Inc. Burns & Wilcox Canada Coachman Insurance Company Economical Insurance The Guarantee Liberty International Milnco Insurance SGI Canada South Western Group Travelers Canada Trisura

Bailiff Approved Surety & Casualty Inc. Burns & Wilcox Canada Economical Insurance The Guarantee Milnco Insurance South Western Group Travelers Canada

Bankers’ Blanket Approved Surety & Casualty Inc. Burns & Wilcox Canada The Guarantee Ironshore Canada

Blanket Position A.M. Fredericks Underwriting Approved Surety & Casualty Inc. Burns & Wilcox Canada The Guarantee SGI Canada

Bonds-Private Investigation and Security Guards

Full-service Surety Solutions echeloninsurance.ca/surety

Approved Surety & Casualty Inc. Burns & Wilcox Canada Coachman Insurance Company Economical Insurance The Guarantee SGI Canada South Western Group Travelers Canada Trisura

Brokers’ Blanket Administration Approved Surety & Casualty Inc. Burns & Wilcox Canada Coachman Insurance Company Echelon Insurance Economical Insurance The Guarantee Liberty International Milnco Insurance SGI Canada South Western Group Travelers Canada Trisura

Auctioneers License Approved Surety & Casualty Inc. Burns & Wilcox Canada Coachman Insurance Company Economical Insurance The Guarantee Milnco Insurance SGI Canada South Western Group Travelers Canada Trisura 34

Canadian Underwriter August 2018

Approved Surety & Casualty Inc. Burns & Wilcox Canada Can-Sure Underwriting Ltd. Coachman Insurance Company The Guarantee SGI Canada South Western Group Trisura

Carnet Bonds Approved Surety & Casualty Inc. Burns & Wilcox Canada Coachman Insurance Company Eagle Underwriting Group Inc. Economical Insurance The Guarantee Liberty International SGI Canada South Western Group Travelers Canada Trisura

Collection Agents Bonds Approved Surety & Casualty Inc. Burns & Wilcox Canada Economical Insurance The Guarantee

Liberty International SGI Canada South Western Group Travelers Canada Trisura

Commercial Blanket A.M. Fredericks Underwriting Approved Surety & Casualty Inc. Burns & Wilcox Canada Can-Sure Underwriting Ltd. The Guarantee Ironshore Canada Liberty International Milnco Insurance Northbridge Insurance SGI Canada South Western Group Travelers Canada Trisura

Comprehensive A.M. Fredericks Underwriting Approved Surety & Casualty Inc. Burns & Wilcox Canada The Guarantee Ironshore Canada Northbridge Insurance South Western Group Trisura

Consumer Protection Approved Surety & Casualty Inc. Burns & Wilcox Canada Economical Insurance The Guarantee Milnco Insurance SGI Canada South Western Group Sports & Fitness Insurance Travelers Canada Trisura

Contract Bond Approved Surety & Casualty Inc. Burns & Wilcox Canada Coachman Insurance Company Echelon Insurance Economical Insurance The Guarantee Liberty International Milnco Insurance SGI Canada South Western Group Travelers Canada Trisura

Court Approved Surety & Casualty Inc. Burns & Wilcox Canada Economical Insurance The Guarantee Liberty International SGI Canada Travelers Canada Trisura

Credit Unions Approved Surety & Casualty Inc. Burns & Wilcox Canada Ironshore Canada Travelers Canada Trisura

Customs, Excise Approved Surety & Casualty Inc. Burns & Wilcox Canada Eagle Underwriting Group Inc. Echelon Insurance Economical Insurance The Guarantee Liberty International Milnco Insurance SGI Canada South Western Group Travelers Canada Trisura

Developer/Sub Division Approved Surety & Casualty Inc. Burns & Wilcox Canada The Guarantee Liberty International Trisura

Electrical Contractors License Approved Surety & Casualty Inc. Burns & Wilcox Canada Economical Insurance The Guarantee Liberty International SGI Canada Travelers Canada Trisura

Environmental Approved Surety & Casualty Inc. Burns & Wilcox Canada The Guarantee Liberty International Trisura

Fidelity A.M. Fredericks Underwriting Approved Surety & Casualty Inc. Burns & Wilcox Canada Coachman Insurance Company GroupOne Insurance Services The Guarantee Ironshore Canada Liberty International Milnco Insurance Northbridge Insurance SGI Canada South Western Group Totten Insurance Group Travelers Canada Trisura

Fiduciary Approved Surety & Casualty Inc. Burns & Wilcox Canada Coachman Insurance Company Echelon Insurance Economical Insurance The Guarantee Liberty International Milnco Insurance SGI Canada South Western Group Totten Insurance Group Travelers Canada Trisura

Financial Guarantee Approved Surety & Casualty Inc. Burns & Wilcox Canada Coachman Insurance Company Liberty International

Peace of mind coverage, DAY AND NIGHT.

At A.M. Fredericks Underwriting Management Ltd., we believe that experience makes all the difference. That is why you can count on XV WR SURYLGH SHDFH RI PLQG FRYHUDJH IRU DOO \RXU FOLHQWV· QHHGV $V RQH RI &DQDGD·V OHDGLQJ IHGHUDOO\ OLFHQVHG 0DQDJLQJ *HQHUDO Underwriters, our national expertise in niche and non-standard commercial liability, professional liability and property risks is second to none.

Visit us at www.amfredericks.com to learn more!

2018 National Insurance Marketer SGI Canada South Western Group Travelers Canada

Fuel Tax Bonds, U.S.A. Approved Surety & Casualty Inc. Burns & Wilcox Canada Coachman Insurance Company The Guarantee Liberty International SGI Canada Travelers Canada Trisura

Grain Dealers Approved Surety & Casualty Inc. Burns & Wilcox Canada Coachman Insurance Company The Guarantee Liberty International SGI Canada Travelers Canada Trisura

Guardianship Approved Surety & Casualty Inc. Burns & Wilcox Canada Coachman Insurance Company Echelon Insurance Economical Insurance The Guarantee Milnco Insurance SGI Canada South Western Group Travelers Canada Trisura

Insurance Company Approved Surety & Casualty Inc. Burns & Wilcox Canada Coachman Insurance Company The Guarantee Ironshore Canada Liberty International SGI Canada Travelers Canada Trisura

Janitorial Bonds A.M. Fredericks Underwriting Approved Surety & Casualty Inc. Burns & Wilcox Canada Can-Sure Underwriting Ltd. Coachman Insurance Company The Guarantee Milnco Insurance SGI Canada Trisura

License Permit Approved Surety & Casualty Inc. Burns & Wilcox Canada Coachman Insurance Company Economical Insurance The Guarantee Liberty International Milnco Insurance SGI Canada South Western Group Travelers Canada Trisura

Lost Document Approved Surety & Casualty Inc. Burns & Wilcox Canada 36

Canadian Underwriter August 2018

Coachman Insurance Company The Guarantee Liberty International Milnco Insurance SGI Canada South Western Group Travelers Canada Trisura

Lost Document Bonds Approved Surety & Casualty Inc. Burns & Wilcox Canada Coachman Insurance Company Economical Insurance The Guarantee Liberty International Milnco Insurance SGI Canada South Western Group Travelers Canada Trisura

Lottery Bonds Approved Surety & Casualty Inc. Burns & Wilcox Canada Travelers Canada Trisura

Miscellaneous Bonds Approved Surety & Casualty Inc. Burns & Wilcox Canada Can-Sure Underwriting Ltd. Coachman Insurance Company Eagle Underwriting Group Inc. Economical Insurance The Guarantee Ironshore Canada Liberty International Milnco Insurance Northbridge Insurance SGI Canada South Western Group Travelers Canada Trisura

Municipalities, Indemnity Bonds Approved Surety & Casualty Inc. Burns & Wilcox Canada Coachman Insurance Company The Guarantee Liberty International SGI Canada Travelers Canada

Performance Approved Surety & Casualty Inc. Burns & Wilcox Canada Coachman Insurance Company Echelon Insurance Economical Insurance The Guarantee Liberty International Milnco Insurance SGI Canada South Western Group Travelers Canada Trisura

Private Vocational Schools Approved Surety & Casualty Inc. Burns & Wilcox Canada Coachman Insurance Company Echelon Insurance Economical Insurance

SGI Canada Travelers Canada Trisura

Provincial License Approved Surety & Casualty Inc. Burns & Wilcox Canada Coachman Insurance Company Economical Insurance The Guarantee Liberty International SGI Canada Travelers Canada Trisura

Real Estate Brokers, Salesperson Approved Surety & Casualty Inc. Burns & Wilcox Canada Coachman Insurance Company Economical Insurance The Guarantee SGI Canada South Western Group Travelers Canada Trisura

RIBO Bonds Approved Surety & Casualty Inc. Burns & Wilcox Canada Economical Insurance The Guarantee South Western Group Travelers Canada Trisura

Sales Tax Approved Surety & Casualty Inc. Burns & Wilcox Canada Coachman Insurance Company The Guarantee Liberty International SGI Canada South Western Group Travelers Canada Trisura

Securities Act Approved Surety & Casualty Inc. Burns & Wilcox Canada Coachman Insurance Company The Guarantee SGI Canada South Western Group Travelers Canada Trisura

Northbridge Insurance SGI Canada South Western Group Travelers Canada Trisura

Tobacco Tax Approved Surety & Casualty Inc. Burns & Wilcox Canada Coachman Insurance Company Economical Insurance The Guarantee Liberty International Milnco Insurance SGI Canada Travelers Canada Trisura

Travel Agency Approved Surety & Casualty Inc. Burns & Wilcox Canada Economical Insurance The Guarantee South Western Group Travelers Canada Trisura

U.S. Bonds Approved Surety & Casualty Inc. Burns & Wilcox Canada Coachman Insurance Company The Guarantee Liberty International SGI Canada Totten Insurance Group Travelers Canada

Used Car Dealer Approved Surety & Casualty Inc. Burns & Wilcox Canada Economical Insurance The Guarantee Milnco Insurance South Western Group Travelers Canada Trisura

Waiver of Probate Burns & Wilcox Canada The Guarantee Travelers Canada Trisura

Small Contractors Approved Surety & Casualty Inc. Burns & Wilcox Canada Coachman Insurance Company Echelon Insurance Economical Insurance Ironshore Canada Liberty International Milnco Insurance Northbridge Insurance SGI Canada Trisura

Surety Approved Surety & Casualty Inc. Burns & Wilcox Canada Coachman Insurance Company Echelon Insurance The Guarantee Liberty International Milnco Insurance

CAMPGROUNDS A.M. Fredericks Underwriting Agile Underwriting Solutions April Canada Inc. Aurora Underwriting Services Burns & Wilcox Canada Can-Sure Underwriting Ltd. CHES Special Risk Inc. Chutter Underwriting Services Coachman Insurance Company Echelon Insurance ENCON Group Inc. GameDay Insurance Inc. GROUPASSUR Canada GroupOne Insurance Services K&K Canada Markel Milnco Insurance

Spotlight On | Errors and Omissions (E&O)

A

n emerging class of professional consultants is a new area of opportunity for brokers seeking to place errors and omissions insurance.

“We as a society have changed to become more service-oriented,” says Marilyn vanGansewinkel, vice president of specialty insurance solutions at Trisura Guarantee Insurance Company.

“Where we used to do things ourselves a little more often, we’re more likely to hire someone who knows what they are doing to provide those services for us.”

Specifically, vanGansewinkel sees three new areas of growth for E&O – technology, health care (particularly in the care of the elderly), and in the environmental field (climate change and consciousness). And who knows what sorts of professional business consultants may arise after cannabis officially goes to market on October 17?

In the IT space, as we move towards artificial intelligence and insurtechs, “you are going to see a lot of professionals who are required to do the programming be-

hind the scenes, and fix things when they don’t work out well,” says vanGansewinkel. Also, the role of system database management is expected to grow.

In health care, Canada’s aging population of Boomers will accentuate the need for health care services to be provided in specialized care facilities, as well as through home care assistance.

Canada’s 2016 census showed there are 5.9 million Canadians older than 65 and 5.8 million Canadians 14 and younger. For the first time, seniors have outnumbered children in Canada.

“I think we are going to have a lot of opportunity in the aging population’s health care,” says vanGansewinkel. Different classes of workers will need E&O coverage, including aid workers, physical therapists, health care providers, workers in retirement homes, registered nurses (RNs), and people who assist aging people to stay in their homes longer.

In the environmental space, a new breed of professional is expected to arise out of concerns people have about

the environment. Consultants are expected to advise on emerging issues in the handling of recycling, for example, or on carbon tax, or the looming water shortage. Underwriters in this area will be looking at an environmental professional’s experience in the field, relevant education or certifications, business skills, and so on.

Quick Facts In professional liability lines, Canadian P&C insurers underwrote just over $1 billion in direct premiums in 2017, up from $986 million in 2016 – an increase of 3.8 per cent.

August 2018 Canadian Underwriter 37

2018 National Insurance Marketer SGI Canada South Western Group Underwriting Solutions LP

Horse Racing Associations

Liability

A.M. Fredericks Underwriting Travelers Canada

Burns & Wilcox Canada CHES Special Risk Inc. Chutter Underwriting Services Ironshore Canada SUM

Prize Indemnity CAPTIVE

Formation SUM

Fronting Arrangements

Burns & Wilcox Canada Echelon Insurance South Western Group Sutton Special Risk Totten Insurance Group

Terminals Burns & Wilcox Canada CHES Special Risk Inc.

A.M. Fredericks Underwriting Liberty International Northbridge Insurance SUM Trisura

Prize Indemnity Bingo

Terrorism

Burns & Wilcox Canada Echelon Insurance South Western Group Sutton Special Risk

Management

Prize Indemnity Internet Promotions

April Canada Inc. Burns & Wilcox Canada CHES Special Risk Inc. Eagle Underwriting Group Inc. Ironshore Canada Liberty International Markel Sutton Special Risk Totten Insurance Group

A.M. Fredericks Underwriting

Reinsurance Burns & Wilcox Canada GroupOne Insurance Services SUM

CARNIVALS & FAIRGROUNDS A.M. Fredericks Underwriting Agile Underwriting Solutions Burns & Wilcox Canada Can-Sure Underwriting Ltd. Chutter Underwriting Services Evolution Insurance Inc. GroupOne Insurance Services K&K Canada Markel South Western Group SUM

Burns & Wilcox Canada Echelon Insurance South Western Group Sutton Special Risk Totten Insurance Group

Prize Indemnity Lotteries Burns & Wilcox Canada South Western Group Sutton Special Risk

Prize Indemnity Poker Burns & Wilcox Canada Echelon Insurance South Western Group Sutton Special Risk

Tornado Burns & Wilcox Canada CHES Special Risk Inc. Ironshore Canada Liberty International

War Burns & Wilcox Canada Eagle Underwriting Group Inc. Ironshore Canada Sutton Special Risk

Prize Indemnity Slots

CHARTER FARE

South Western Group Sutton Special Risk

A.M. Fredericks Underwriting Burns & Wilcox Canada

CATASTROPHE

CHURCHES

CASINO & LAWFUL GAMING

Bonds

CGL

A.M. Fredericks Underwriting Agile Underwriting Solutions April Canada Inc. Burns & Wilcox Canada CHES Special Risk Inc. Ironshore Canada Liberty International Totten Insurance Group Trinity Underwriting Managers

A.M. Fredericks Underwriting Agile Underwriting Solutions Aurora Underwriting Services BI&I Burns & Wilcox Canada Can-Sure Underwriting Ltd. CHES Special Risk Inc. Chutter Underwriting Services Coachman Insurance Company Ecclesiastical Insurance Evolution Insurance Inc. Northbridge Insurance SGI Canada South Western Group Totten Insurance Group

A.M. Fredericks Underwriting Agile Underwriting Solutions April Canada Inc. Can-Sure Underwriting Ltd. CHES Special Risk Inc. K&K Canada Liberty International Markel SUM Sutton Special Risk Totten Insurance Group Travelers Canada

Burns & Wilcox Canada

Earthquake

Flood

Burns & Wilcox Canada Echelon Insurance South Western Group Sutton Special Risk

A.M. Fredericks Underwriting Agile Underwriting Solutions April Canada Inc. Burns & Wilcox Canada CHES Special Risk Inc. Ironshore Canada Liberty International Totten Insurance Group Trinity Underwriting Managers

Envelope Draw

Hail

Burns & Wilcox Canada Echelon Insurance South Western Group Sutton Special Risk

Burns & Wilcox Canada CHES Special Risk Inc. Liberty International

Hole in One

Burns & Wilcox Canada CHES Special Risk Inc. Ironshore Canada Liberty International

Dice Roll

Burns & Wilcox Canada Echelon Insurance Sutton Special Risk 38

Canadian Underwriter August 2018

Hurricane

COMPUTERS

Computer Fraud A.M. Fredericks Underwriting Agile Underwriting Solutions Burns & Wilcox Canada CHES Special Risk Inc. Frank Cowan Company GROUPASSUR Canada The Guarantee Ironshore Canada Liberty International Milnco Insurance SUM Sutton Special Risk Totten Insurance Group

Travelers Canada Trinity Underwriting Managers Trisura

Data Fraud A.M. Fredericks Underwriting Agile Underwriting Solutions BI&I Burns & Wilcox Canada CHES Special Risk Inc. Frank Cowan Company GROUPASSUR Canada Ironshore Canada Liberty International Milnco Insurance SUM Sutton Special Risk Totten Insurance Group Travelers Canada Trinity Underwriting Managers

Data Security A.M. Fredericks Underwriting Agile Underwriting Solutions BI&I Burns & Wilcox Canada CHES Special Risk Inc. Eagle Underwriting Group Inc. ENCON Group Inc. Frank Cowan Company GROUPASSUR Canada Ironshore Canada Liberty International Markel Milnco Insurance Northbridge Insurance SUM Totten Insurance Group Travelers Canada Trinity Underwriting Managers Trisura

EDP Equipment A.M. Fredericks Underwriting Agile Underwriting Solutions April Canada Inc. Burns & Wilcox Canada Can-Sure Underwriting Ltd. CHES Special Risk Inc. Coachman Insurance Company Economical Insurance Frank Cowan Company GROUPASSUR Canada GroupOne Insurance Services Liberty International Markel Milnco Insurance Northbridge Insurance SGI Canada South Western Group SUM Travelers Canada Trinity Underwriting Managers

Extortion Burns & Wilcox Canada CHES Special Risk Inc. Frank Cowan Company GROUPASSUR Canada Ironshore Canada Liberty International Milnco Insurance Sutton Special Risk

www.suminsurance.ca Commercial General Liability Product Recall

•

•

Umbrella & Excess Liability

Property & Inland Marine

Cyber & Intellectual Property

•

•

Professional Liability

Cannabis Industry

•

•

Environmental Liability

•

Lifesciences

Marine & Logistics

• •

•

Property Facility

Security & Protection Programme +PYLJ[VYZ 6MÄ JLYZ 3PHIPSP[`

2018 National Insurance Marketer Totten Insurance Group Travelers Canada Trinity Underwriting Managers

Hardware Manufactures A.M. Fredericks Underwriting Agile Underwriting Solutions April Canada Inc. CHES Special Risk Inc. ENCON Group Inc. GROUPASSUR Canada GroupOne Insurance Services Liberty International Northbridge Insurance SUM Trinity Underwriting Managers

Identity Theft A.M. Fredericks Underwriting Agile Underwriting Solutions BI&I CHES Special Risk Inc. Frank Cowan Company GROUPASSUR Canada Liberty International Milnco Insurance SUM Totten Insurance Group Travelers Canada Trinity Underwriting Managers Trisura

Coachman Insurance Company Echelon Insurance ENCON Group Inc. Evolution Insurance Inc. Frank Cowan Company GROUPASSUR Canada GroupOne Insurance Services Ironshore Canada Liberty International Markel Milnco Insurance Northbridge Insurance SGI Canada South Western Group SUM Totten Insurance Group Travelers Canada Underwriting Solutions LP XL Catlin

CREDIT CARD

Cell Phone Burns & Wilcox Canada CHES Special Risk Inc.

Delay Luggage Burns & Wilcox Canada CHES Special Risk Inc.

Maintenance Insurance

Extended Warranties

Agile Underwriting Solutions Travelers Canada Trinity Underwriting Managers

Burns & Wilcox Canada CHES Special Risk Inc.

Flight Delay

Personal Computers

Burns & Wilcox Canada CHES Special Risk Inc.

A.M. Fredericks Underwriting Agile Underwriting Solutions Burns & Wilcox Canada CHES Special Risk Inc. Economical Insurance Evolution Insurance Inc. Liberty International Milnco Insurance Travelers Canada Trinity Underwriting Managers

UAS,UAV, Unmanned Aircraft A.M. Fredericks Underwriting Agile Underwriting Solutions Burns & Wilcox Canada Chutter Underwriting Services Eagle Underwriting Group Inc. Frank Cowan Company GroupOne Insurance Services Liberty International Milnco Insurance Trinity Underwriting Managers

COURSE OF CONSTRUCTION A.M. Fredericks Underwriting Agile Underwriting Solutions Approved Surety & Casualty Inc. April Canada Inc. Aurora Underwriting Services BI&I Burns & Wilcox Canada Can-Sure Underwriting Ltd. CHES Special Risk Inc. Chutter Underwriting Services 40

Canadian Underwriter August 2018

Hotel/Motel Theft Burns & Wilcox Canada CHES Special Risk Inc.

Legal Expense Burns & Wilcox Canada CHES Special Risk Inc. DAS Legal Protection Inc.

Lost Luggage Burns & Wilcox Canada CHES Special Risk Inc.

Outstanding Balance CHES Special Risk Inc.

Personal Effects Burns & Wilcox Canada CHES Special Risk Inc.

Purchase Protection Burns & Wilcox Canada CHES Special Risk Inc.

Travel TI/TC/Med Burns & Wilcox Canada CHES Special Risk Inc.

CREDIT INSURANCE Approved Surety & Casualty Inc. Burns & Wilcox Canada Echelon Insurance The Guarantee Ironshore Canada Markel XL Catlin

CREDITOR Approved Surety & Casualty Inc. Burns & Wilcox Canada Echelon Insurance

EQUIPMENT

(EXCLUDING COMPUTERS)

Container Handling Equipment A.M. Fredericks Underwriting Agile Underwriting Solutions April Canada Inc. Aurora Underwriting Services Burns & Wilcox Canada Can-Sure Underwriting Ltd. CHES Special Risk Inc. Chutter Underwriting Services Eagle Underwriting Group Inc. Evolution Insurance Inc. GroupOne Insurance Services Markel Milnco Insurance South Western Group SUM

Contractors A.M. Fredericks Underwriting Agile Underwriting Solutions April Canada Inc. Aurora Underwriting Services Burns & Wilcox Canada Can-Sure Underwriting Ltd. CHES Special Risk Inc. Chutter Underwriting Services Coachman Insurance Company Eagle Underwriting Group Inc. Echelon Insurance Economical Insurance Evolution Insurance Inc. GROUPASSUR Canada GroupOne Insurance Services Markel Milnco Insurance Northbridge Insurance SGI Canada South Western Group SUM Totten Insurance Group Travelers Canada Trinity Underwriting Managers Underwriting Solutions LP

Electronic Equipment A.M. Fredericks Underwriting Agile Underwriting Solutions April Canada Inc. Aurora Underwriting Services BI&I Burns & Wilcox Canada Can-Sure Underwriting Ltd. CHES Special Risk Inc. Chutter Underwriting Services Coachman Insurance Company Eagle Underwriting Group Inc. Economical Insurance Evolution Insurance Inc. GROUPASSUR Canada GroupOne Insurance Services Markel Milnco Insurance Northbridge Insurance

SGI Canada South Western Group SUM Totten Insurance Group Travelers Canada Trinity Underwriting Managers Underwriting Solutions LP

Excess Liability A.M. Fredericks Underwriting Agile Underwriting Solutions April Canada Inc. Burns & Wilcox Canada Can-Sure Underwriting Ltd. CHES Special Risk Inc. Chutter Underwriting Services Evolution Insurance Inc. GROUPASSUR Canada GroupOne Insurance Services Ironshore Canada Liberty International Milnco Insurance South Western Group SUM Totten Insurance Group

Farm Equipment & Machinery A.M. Fredericks Underwriting Agile Underwriting Solutions April Canada Inc. BI&I Burns & Wilcox Canada Can-Sure Underwriting Ltd. CHES Special Risk Inc. Chutter Underwriting Services Coachman Insurance Company Eagle Underwriting Group Inc. Economical Insurance Evolution Insurance Inc. Milnco Insurance Northbridge Insurance SGI Canada South Western Group SUM Totten Insurance Group Underwriting Solutions LP

Forestry Equipment A.M. Fredericks Underwriting Agile Underwriting Solutions April Canada Inc. Aurora Underwriting Services Burns & Wilcox Canada Can-Sure Underwriting Ltd. CHES Special Risk Inc. Chutter Underwriting Services Eagle Underwriting Group Inc. Evolution Insurance Inc. GroupOne Insurance Services Northbridge Insurance South Western Group Totten Insurance Group

Geophysical Equipment A.M. Fredericks Underwriting Agile Underwriting Solutions April Canada Inc. BI&I Burns & Wilcox Canada CHES Special Risk Inc. Chutter Underwriting Services Eagle Underwriting Group Inc. Evolution Insurance Inc.

CONTACT INFO: PP. 84-86

GroupOne Insurance Services Markel Milnco Insurance Totten Insurance Group Travelers Canada

Maintenance Insurance

South Western Group Totten Insurance Group

ERRORS & OMISSIONS, MALPRACTICE, PROFESSIONAL LIABILITY

Agile Underwriting Solutions Aurora Underwriting Services South Western Group

Medical Equipment A.M. Fredericks Underwriting Agile Underwriting Solutions April Canada Inc. Aurora Underwriting Services BI&I Burns & Wilcox Canada CHES Special Risk Inc. Chutter Underwriting Services Eagle Underwriting Group Inc. Evolution Insurance Inc. GROUPASSUR Canada GroupOne Insurance Services Markel SUM Totten Insurance Group Trinity Underwriting Managers

Radio & TV Broadcast Equipment A.M. Fredericks Underwriting Agile Underwriting Solutions April Canada Inc. BI&I Burns & Wilcox Canada CHES Special Risk Inc. Coachman Insurance Company Eagle Underwriting Group Inc. Evolution Insurance Inc. GroupOne Insurance Services Markel SGI Canada South Western Group Totten Insurance Group Trinity Underwriting Managers

Scientific Instruments A.M. Fredericks Underwriting Agile Underwriting Solutions April Canada Inc. Aurora Underwriting Services BI&I Burns & Wilcox Canada CHES Special Risk Inc. Chutter Underwriting Services Eagle Underwriting Group Inc. Evolution Insurance Inc. GroupOne Insurance Services Markel SUM Totten Insurance Group Trinity Underwriting Managers

Underwater Marine Equipment A.M. Fredericks Underwriting April Canada Inc. Aurora Underwriting Services Burns & Wilcox Canada CHES Special Risk Inc. Eagle Underwriting Group Inc. GroupOne Insurance Services Markel

“Peace of mind coverage, day and night�. email: quotes@amfredericks.com

Accountants A.M. Fredericks Underwriting Approved Surety & Casualty Inc. April Canada Inc. Burns & Wilcox Canada Can-Sure Underwriting Ltd. CHES Special Risk Inc. Chutter Underwriting Services ENCON Group Inc. Evolution Insurance Inc. GROUPASSUR Canada GroupOne Insurance Services Ironshore Canada Milnco Insurance South Western Group Totten Insurance Group Travelers Canada Trinity Underwriting Managers Trisura Underwriting Solutions LP XL Catlin

Actuaries A.M. Fredericks Underwriting Approved Surety & Casualty Inc. Burns & Wilcox Canada Can-Sure Underwriting Ltd. CHES Special Risk Inc. ENCON Group Inc. GroupOne Insurance Services South Western Group SUM Totten Insurance Group Travelers Canada Trisura Underwriting Solutions LP

Adjusters A.M. Fredericks Underwriting Approved Surety & Casualty Inc. Aurora Underwriting Services Burns & Wilcox Canada Can-Sure Underwriting Ltd. CHES Special Risk Inc. ENCON Group Inc. Evolution Insurance Inc. GroupOne Insurance Services Markel Milnco Insurance Northbridge Insurance South Western Group

SUM Totten Insurance Group Travelers Canada Trinity Underwriting Managers Trisura Underwriting Solutions LP

Advertising Agents A.M. Fredericks Underwriting Approved Surety & Casualty Inc. April Canada Inc. Burns & Wilcox Canada Can-Sure Underwriting Ltd. CHES Special Risk Inc. Chutter Underwriting Services ENCON Group Inc. Evolution Insurance Inc. GROUPASSUR Canada GroupOne Insurance Services Liberty International Markel Northbridge Insurance South Western Group SUM Totten Insurance Group Travelers Canada Trinity Underwriting Managers Trisura Underwriting Solutions LP

Agents & Brokers A.M. Fredericks Underwriting Approved Surety & Casualty Inc. Aurora Underwriting Services Burns & Wilcox Canada Can-Sure Underwriting Ltd. CHES Special Risk Inc. ENCON Group Inc. Evolution Insurance Inc. GroupOne Insurance Services Liberty International Markel Milnco Insurance Northbridge Insurance SGI Canada South Western Group SUM Totten Insurance Group Travelers Canada Trisura Underwriting Solutions LP

Agrologists A.M. Fredericks Underwriting Approved Surety & Casualty Inc. April Canada Inc. Aurora Underwriting Services Burns & Wilcox Canada CHES Special Risk Inc. Chutter Underwriting Services ENCON Group Inc. Evolution Insurance Inc. Markel South Western Group SUM Totten Insurance Group Trinity Underwriting Managers Trisura

Appraisers A.M. Fredericks Underwriting Approved Surety & Casualty Inc. April Canada Inc.

Burns & Wilcox Canada Can-Sure Underwriting Ltd. CHES Special Risk Inc. Economical Insurance ENCON Group Inc. GROUPASSUR Canada GroupOne Insurance Services Markel Northbridge Insurance South Western Group SUM Totten Insurance Group Travelers Canada Trinity Underwriting Managers Trisura

Architects A.M. Fredericks Underwriting Approved Surety & Casualty Inc. April Canada Inc. Aurora Underwriting Services Burns & Wilcox Canada Can-Sure Underwriting Ltd. CHES Special Risk Inc. Chutter Underwriting Services ENCON Group Inc. Evolution Insurance Inc. GROUPASSUR Canada GroupOne Insurance Services Ironshore Canada Liberty International Markel South Western Group SUM Totten Insurance Group Underwriting Solutions LP

Asbestos Removal Consultants A.M. Fredericks Underwriting Approved Surety & Casualty Inc. Burns & Wilcox Canada Can-Sure Underwriting Ltd. CHES Special Risk Inc. ENCON Group Inc. Evolution Insurance Inc. Ironshore Canada Markel South Western Group SUM Trinity Underwriting Managers

Asbestos Removal Contractors Approved Surety & Casualty Inc. Burns & Wilcox Canada Can-Sure Underwriting Ltd. CHES Special Risk Inc. ENCON Group Inc. Markel SUM Trinity Underwriting Managers

Associations A.M. Fredericks Underwriting Approved Surety & Casualty Inc. April Canada Inc. Aurora Underwriting Services Burns & Wilcox Canada Can-Sure Underwriting Ltd. CHES Special Risk Inc. ENCON Group Inc. Evolution Insurance Inc. Frank Cowan Company GROUPASSUR Canada August 2018 Canadian Underwriter 41

2018 National Insurance Marketer GroupOne Insurance Services The Guarantee Ironshore Canada Liberty International Markel MedThree Insurance Group Northbridge Insurance South Western Group SUM Totten Insurance Group Travelers Canada Trinity Underwriting Managers Trisura

Audiologists A.M. Fredericks Underwriting Approved Surety & Casualty Inc. April Canada Inc. Aurora Underwriting Services Burns & Wilcox Canada Can-Sure Underwriting Ltd. CHES Special Risk Inc. Economical Insurance ENCON Group Inc. GROUPASSUR Canada GroupOne Insurance Services Markel MedThree Insurance Group Northbridge Insurance South Western Group SUM Totten Insurance Group Trinity Underwriting Managers Trisura

Banks & Financial Institutions A.M. Fredericks Underwriting April Canada Inc. Burns & Wilcox Canada CHES Special Risk Inc. Evolution Insurance Inc. Ironshore Canada Liberty International South Western Group Totten Insurance Group Travelers Canada

Broadcasters A.M. Fredericks Underwriting Approved Surety & Casualty Inc. April Canada Inc. Burns & Wilcox Canada Can-Sure Underwriting Ltd. CHES Special Risk Inc. Evolution Insurance Inc. Markel Northbridge Insurance South Western Group SUM Totten Insurance Group Travelers Canada Trisura

Burglar Alarm Installers A.M. Fredericks Underwriting Approved Surety & Casualty Inc. Burns & Wilcox Canada Can-Sure Underwriting Ltd. CHES Special Risk Inc. Evolution Insurance Inc. GROUPASSUR Canada GroupOne Insurance Services Markel 42

Canadian Underwriter August 2018

South Western Group SUM Totten Insurance Group Trinity Underwriting Managers

Career Counselors A.M. Fredericks Underwriting Approved Surety & Casualty Inc. April Canada Inc. Burns & Wilcox Canada Can-Sure Underwriting Ltd. CHES Special Risk Inc. Chutter Underwriting Services Economical Insurance ENCON Group Inc. Evolution Insurance Inc. Frank Cowan Company GROUPASSUR Canada GroupOne Insurance Services Ironshore Canada Liberty International Markel Northbridge Insurance South Western Group SUM Totten Insurance Group Travelers Canada Trinity Underwriting Managers Trisura Underwriting Solutions LP

Cemeteries, Morticians A.M. Fredericks Underwriting Approved Surety & Casualty Inc. April Canada Inc. Burns & Wilcox Canada Can-Sure Underwriting Ltd. CHES Special Risk Inc. Coachman Insurance Company Ecclesiastical Insurance Economical Insurance Evolution Insurance Inc. Liberty International Markel Northbridge Insurance SGI Canada South Western Group SUM Trinity Underwriting Managers

Central Alarm Monitoring Stations A.M. Fredericks Underwriting Approved Surety & Casualty Inc. Burns & Wilcox Canada Can-Sure Underwriting Ltd. CHES Special Risk Inc. GROUPASSUR Canada GroupOne Insurance Services Ironshore Canada Markel South Western Group SUM Totten Insurance Group Trinity Underwriting Managers

Charitable Institutions A.M. Fredericks Underwriting Approved Surety & Casualty Inc. April Canada Inc. Burns & Wilcox Canada CHES Special Risk Inc. Chutter Underwriting Services

Ecclesiastical Insurance ENCON Group Inc. Frank Cowan Company GroupOne Insurance Services The Guarantee Ironshore Canada Liberty International Markel Northbridge Insurance South Western Group SUM Travelers Canada Trinity Underwriting Managers Trisura Underwriting Solutions LP

Clinical Laboratories A.M. Fredericks Underwriting Approved Surety & Casualty Inc. April Canada Inc. Aurora Underwriting Services Burns & Wilcox Canada Can-Sure Underwriting Ltd. CHES Special Risk Inc. ENCON Group Inc. GROUPASSUR Canada Markel MedThree Insurance Group South Western Group SUM Trinity Underwriting Managers

Collections Agencies A.M. Fredericks Underwriting Approved Surety & Casualty Inc. April Canada Inc. Burns & Wilcox Canada Can-Sure Underwriting Ltd. CHES Special Risk Inc. Chutter Underwriting Services ENCON Group Inc. GROUPASSUR Canada GroupOne Insurance Services Ironshore Canada Liberty International South Western Group SUM Totten Insurance Group Travelers Canada Trisura

Complimentary Medical Practitioners A.M. Fredericks Underwriting Approved Surety & Casualty Inc. April Canada Inc. Aurora Underwriting Services Burns & Wilcox Canada Can-Sure Underwriting Ltd. CHES Special Risk Inc. ENCON Group Inc. GROUPASSUR Canada GroupOne Insurance Services Liberty International Markel MedThree Insurance Group South Western Group SUM Totten Insurance Group Trinity Underwriting Managers Trisura Underwriting Solutions LP

Computer Consultants A.M. Fredericks Underwriting Approved Surety & Casualty Inc. April Canada Inc. Aurora Underwriting Services Burns & Wilcox Canada Can-Sure Underwriting Ltd. CHES Special Risk Inc. ENCON Group Inc. Evolution Insurance Inc. GROUPASSUR Canada GroupOne Insurance Services Ironshore Canada Liberty International Markel Milnco Insurance Northbridge Insurance South Western Group SUM Totten Insurance Group Travelers Canada Trinity Underwriting Managers Trisura Underwriting Solutions LP

Computer Service A.M. Fredericks Underwriting Approved Surety & Casualty Inc. April Canada Inc. Aurora Underwriting Services Burns & Wilcox Canada Can-Sure Underwriting Ltd. CHES Special Risk Inc. ENCON Group Inc. Evolution Insurance Inc. GROUPASSUR Canada GroupOne Insurance Services Liberty International Markel Milnco Insurance Northbridge Insurance South Western Group SUM Totten Insurance Group Travelers Canada Trinity Underwriting Managers Trisura Underwriting Solutions LP

Condominiums, Directors & Officers A.M. Fredericks Underwriting Approved Surety & Casualty Inc. April Canada Inc. Aurora Underwriting Services Burns & Wilcox Canada Can-Sure Underwriting Ltd. CHES Special Risk Inc. Coachman Insurance Company Economical Insurance ENCON Group Inc. GROUPASSUR Canada GroupOne Insurance Services Ironshore Canada Markel Milnco Insurance Northbridge Insurance SGI Canada South Western Group SUM Totten Insurance Group Travelers Canada

Spotlight On | Financial/Legal

I

n financial and legal lines of commercial insurance, the Canadian property and casualty insurance market has shown a greater willingness to serve clients who are engaged in mergers and acquisitions (M&A).

Representations and warranties (R&W) insurance is a type of financial-legal insurance used when one company is buying another in a merger or acquisition. It is intended to protect the buyer if a statement made by the seller turns out to be false. False or misleading statements during the M&A process can lead to a loss for the buyer if it assumes unanticipated liabilities.

In a brochure on R&W insurance, American International Group (AIG) Inc. cites an example of an unnamed U.S.-based buyer facing allegations of price fixing by employees of the firm that it had just acquired. The allegations surfaced after the deal had closed.

R&W “used to be so specialized, it was getting underwritten out of London or New York,” says Brian Kelly,

Montreal-based managing partner for risk management at BFL Canada Risk and Insurance Services.

But recently the R&W market in Canada “has really expanded,” Kelly says.

“There are more insurers and we are also able to do bilingual deals.”

One issue with R&W is that the underwriting “gets very, very intense as the deal draws to a close,” Kelly observes. This is because there is a lot of “back-and-forth” involving the broker, er, client and underwriter.

The underwriter needs to know what hat “representations” the seller is making ng about his or her company. So if the unnderwriter is based in London, England d– six hours ahead of Eastern Standard Time me - and the deal is taking place in Canada, da, someone needs to be on the phone either early in the morning or late at night. ht.

Other financial and legal lines of innsurance include crime coverage. Social ial engineering, a type of cyber crime, is normally covered under a crime policy. cy.

An example is when a fraudster impersonn-

ates someone at a company, and thereby convinces an employee to transfer money to a fictious supplier.

“For smaller and medium-sized organizations we see a benefit to actually including [social engineering] under a cyber policy as well,” Kelly says. “Computer hacking is a highly lucrative business. It’s a lot easier to commit a cyber crime than to rob a bank, and it can be a lot more lucrative.

Quick Facts Since 1985, more than 63,413 mergers & acquisitions transactions have been announced in Canada with a known value of almost $4.8 trillion.

August 2018 Canadian Underwriter 43

2018 National Insurance Marketer Trisura Underwriting Solutions LP

Contractors A.M. Fredericks Underwriting Approved Surety & Casualty Inc. April Canada Inc. Burns & Wilcox Canada Can-Sure Underwriting Ltd. CHES Special Risk Inc. Chutter Underwriting Services ENCON Group Inc. Evolution Insurance Inc. GROUPASSUR Canada GroupOne Insurance Services Ironshore Canada Liberty International Markel Northbridge Insurance South Western Group SUM Totten Insurance Group Travelers Canada Trinity Underwriting Managers Underwriting Solutions LP

Corporate Health Providers A.M. Fredericks Underwriting Approved Surety & Casualty Inc. April Canada Inc. Burns & Wilcox Canada Can-Sure Underwriting Ltd. CHES Special Risk Inc. ENCON Group Inc. GROUPASSUR Canada Markel MedThree Insurance Group South Western Group SUM Trinity Underwriting Managers Trisura

Credit Bureaus A.M. Fredericks Underwriting Approved Surety & Casualty Inc. Burns & Wilcox Canada CHES Special Risk Inc. ENCON Group Inc. GROUPASSUR Canada SUM Trisura

Credit Card Companies A.M. Fredericks Underwriting Approved Surety & Casualty Inc. April Canada Inc. Burns & Wilcox Canada Can-Sure Underwriting Ltd. CHES Special Risk Inc. SUM

Credit Card Processors A.M. Fredericks Underwriting Approved Surety & Casualty Inc. Burns & Wilcox Canada CHES Special Risk Inc. SUM

Credit Unions A.M. Fredericks Underwriting Approved Surety & Casualty Inc. Burns & Wilcox Canada CHES Special Risk Inc. Ironshore Canada Travelers Canada 44

Canadian Underwriter August 2018

Crop Consultants

Demolition Contractors

A.M. Fredericks Underwriting Approved Surety & Casualty Inc. Aurora Underwriting Services Burns & Wilcox Canada Can-Sure Underwriting Ltd. CHES Special Risk Inc. ENCON Group Inc. Ironshore Canada Milnco Insurance South Western Group SUM Totten Insurance Group Trinity Underwriting Managers Trisura

A.M. Fredericks Underwriting Approved Surety & Casualty Inc. April Canada Inc. Burns & Wilcox Canada Can-Sure Underwriting Ltd. CHES Special Risk Inc. Chutter Underwriting Services ENCON Group Inc. Evolution Insurance Inc. Liberty International Markel South Western Group SUM Trinity Underwriting Managers Underwriting Solutions LP

Dance Studio

Design/Build

A.M. Fredericks Underwriting Approved Surety & Casualty Inc. April Canada Inc. Burns & Wilcox Canada Can-Sure Underwriting Ltd. CHES Special Risk Inc. Evolution Insurance Inc. GROUPASSUR Canada Ironshore Canada K&K Canada Markel Northbridge Insurance South Western Group Sports & Fitness Insurance SUM Totten Insurance Group Trinity Underwriting Managers

A.M. Fredericks Underwriting Approved Surety & Casualty Inc. April Canada Inc. Aurora Underwriting Services Burns & Wilcox Canada Can-Sure Underwriting Ltd. CHES Special Risk Inc. Chutter Underwriting Services ENCON Group Inc. Evolution Insurance Inc. GROUPASSUR Canada GroupOne Insurance Services Ironshore Canada Liberty International Markel South Western Group SUM Totten Insurance Group Trinity Underwriting Managers Underwriting Solutions LP

Data Processors A.M. Fredericks Underwriting Approved Surety & Casualty Inc. April Canada Inc. Aurora Underwriting Services Burns & Wilcox Canada Can-Sure Underwriting Ltd. CHES Special Risk Inc. ENCON Group Inc. Evolution Insurance Inc. GROUPASSUR Canada GroupOne Insurance Services Ironshore Canada Liberty International Markel Northbridge Insurance South Western Group SUM Totten Insurance Group Trinity Underwriting Managers Trisura Underwriting Solutions LP

Day Cares A.M. Fredericks Underwriting Approved Surety & Casualty Inc. Burns & Wilcox Canada CHES Special Risk Inc. Ecclesiastical Insurance Frank Cowan Company GROUPASSUR Canada Markel Northbridge Insurance South Western Group SUM

Difficult To Define Trades and Professions A.M. Fredericks Underwriting Approved Surety & Casualty Inc. April Canada Inc. Aurora Underwriting Services Burns & Wilcox Canada CHES Special Risk Inc. Chutter Underwriting Services ENCON Group Inc. Ironshore Canada Liberty International Markel Northbridge Insurance South Western Group SUM Totten Insurance Group Travelers Canada Trinity Underwriting Managers Trisura

Digital Risks A.M. Fredericks Underwriting Approved Surety & Casualty Inc. April Canada Inc. Burns & Wilcox Canada Can-Sure Underwriting Ltd. CHES Special Risk Inc. ENCON Group Inc. GROUPASSUR Canada Ironshore Canada Liberty International Milnco Insurance SUM

Totten Insurance Group Trinity Underwriting Managers

Directors & Officers A.M. Fredericks Underwriting Approved Surety & Casualty Inc. April Canada Inc. Aurora Underwriting Services Burns & Wilcox Canada Can-Sure Underwriting Ltd. CHES Special Risk Inc. Eagle Underwriting Group Inc. Ecclesiastical Insurance Echelon Insurance ENCON Group Inc. Evolution Insurance Inc. Frank Cowan Company GROUPASSUR Canada GroupOne Insurance Services The Guarantee Ironshore Canada Liberty International Markel Milnco Insurance Northbridge Insurance South Western Group SUM Totten Insurance Group Travelers Canada Trinity Underwriting Managers Trisura Underwriting Solutions LP XL Catlin

Educators A.M. Fredericks Underwriting Approved Surety & Casualty Inc. April Canada Inc. Aurora Underwriting Services Burns & Wilcox Canada Can-Sure Underwriting Ltd. CHES Special Risk Inc. Ecclesiastical Insurance Frank Cowan Company GROUPASSUR Canada GroupOne Insurance Services Ironshore Canada Liberty International Northbridge Insurance South Western Group SUM Totten Insurance Group Travelers Canada Trinity Underwriting Managers Trisura Underwriting Solutions LP

Electronics Manufacturer A.M. Fredericks Underwriting Approved Surety & Casualty Inc. April Canada Inc. Burns & Wilcox Canada CHES Special Risk Inc. ENCON Group Inc. Evolution Insurance Inc. GROUPASSUR Canada GroupOne Insurance Services Ironshore Canada Liberty International Markel Northbridge Insurance South Western Group

CONTACT INFO: PP. 84-86

SUM Trinity Underwriting Managers

Trinity Underwriting Managers Underwriting Solutions LP

Employment Agencies, Counselors

Environmental Consultants

A.M. Fredericks Underwriting Approved Surety & Casualty Inc. April Canada Inc. Aurora Underwriting Services Burns & Wilcox Canada Can-Sure Underwriting Ltd. CHES Special Risk Inc. Chutter Underwriting Services ENCON Group Inc. GROUPASSUR Canada GroupOne Insurance Services Ironshore Canada Liberty International Markel Milnco Insurance Northbridge Insurance South Western Group SUM Totten Insurance Group Travelers Canada Trinity Underwriting Managers Trisura Underwriting Solutions LP

Employment Practices A.M. Fredericks Underwriting Approved Surety & Casualty Inc. April Canada Inc. Aurora Underwriting Services Burns & Wilcox Canada Can-Sure Underwriting Ltd. CHES Special Risk Inc. Eagle Underwriting Group Inc. ENCON Group Inc. Evolution Insurance Inc. GROUPASSUR Canada Ironshore Canada Liberty International Markel Northbridge Insurance South Western Group SUM Totten Insurance Group Travelers Canada Trinity Underwriting Managers Trisura

Engineers A.M. Fredericks Underwriting Approved Surety & Casualty Inc. April Canada Inc. Aurora Underwriting Services Burns & Wilcox Canada Can-Sure Underwriting Ltd. CHES Special Risk Inc. Chutter Underwriting Services ENCON Group Inc. Evolution Insurance Inc. Frank Cowan Company GROUPASSUR Canada GroupOne Insurance Services Ironshore Canada Liberty International Markel South Western Group SUM Totten Insurance Group

A.M. Fredericks Underwriting Approved Surety & Casualty Inc. April Canada Inc. Aurora Underwriting Services Burns & Wilcox Canada Can-Sure Underwriting Ltd. CHES Special Risk Inc. Chutter Underwriting Services ENCON Group Inc. Evolution Insurance Inc. GROUPASSUR Canada GroupOne Insurance Services Ironshore Canada Liberty International Markel South Western Group SUM Totten Insurance Group Trinity Underwriting Managers Underwriting Solutions LP

Event Planners A.M. Fredericks Underwriting April Canada Inc. Burns & Wilcox Canada Chutter Underwriting Services Evolution Insurance Inc. GROUPASSUR Canada Ironshore Canada Liberty International Markel Northbridge Insurance South Western Group Totten Insurance Group Trinity Underwriting Managers

Excess E&O, Malpractice and/ or Professional Liability A.M. Fredericks Underwriting Approved Surety & Casualty Inc. April Canada Inc. Aurora Underwriting Services Burns & Wilcox Canada Can-Sure Underwriting Ltd. CHES Special Risk Inc. ENCON Group Inc. Evolution Insurance Inc. GROUPASSUR Canada GroupOne Insurance Services Ironshore Canada Liberty International Markel MedThree Insurance Group Milnco Insurance Northbridge Insurance South Western Group SUM Totten Insurance Group Travelers Canada Trinity Underwriting Managers Trisura

Executors & Trustees A.M. Fredericks Underwriting Approved Surety & Casualty Inc. April Canada Inc. Burns & Wilcox Canada Can-Sure Underwriting Ltd. CHES Special Risk Inc.

Evolution Insurance Inc. GROUPASSUR Canada The Guarantee Ironshore Canada Liberty International South Western Group SUM Totten Insurance Group Trinity Underwriting Managers Trisura

Fiduciary A.M. Fredericks Underwriting Approved Surety & Casualty Inc. April Canada Inc. Burns & Wilcox Canada CHES Special Risk Inc. Eagle Underwriting Group Inc. ENCON Group Inc. Evolution Insurance Inc. The Guarantee Ironshore Canada Liberty International South Western Group SUM Totten Insurance Group Travelers Canada Trinity Underwriting Managers Trisura XL Catlin

Film Producers A.M. Fredericks Underwriting Approved Surety & Casualty Inc. April Canada Inc. Burns & Wilcox Canada Can-Sure Underwriting Ltd. CHES Special Risk Inc. ENCON Group Inc. Evolution Insurance Inc. GROUPASSUR Canada Liberty International South Western Group SUM Totten Insurance Group Travelers Canada

Fitness Instructors A.M. Fredericks Underwriting April Canada Inc. Burns & Wilcox Canada Evolution Insurance Inc. GROUPASSUR Canada South Western Group Sports & Fitness Insurance Totten Insurance Group Trinity Underwriting Managers

Franchiser A.M. Fredericks Underwriting Approved Surety & Casualty Inc. April Canada Inc. Burns & Wilcox Canada CHES Special Risk Inc. Chutter Underwriting Services GROUPASSUR Canada Markel South Western Group SUM Trisura

Freight Forwarders A.M. Fredericks Underwriting Approved Surety & Casualty Inc.

April Canada Inc. Aurora Underwriting Services Burns & Wilcox Canada Can-Sure Underwriting Ltd. CHES Special Risk Inc. Chutter Underwriting Services Eagle Underwriting Group Inc. Evolution Insurance Inc. GROUPASSUR Canada GroupOne Insurance Services Northbridge Insurance South Western Group SUM Totten Insurance Group Travelers Canada Trisura

Graphic Design A.M. Fredericks Underwriting Approved Surety & Casualty Inc. April Canada Inc. Burns & Wilcox Canada Can-Sure Underwriting Ltd. CHES Special Risk Inc. Chutter Underwriting Services ENCON Group Inc. Evolution Insurance Inc. GROUPASSUR Canada GroupOne Insurance Services Ironshore Canada Liberty International Markel Milnco Insurance Northbridge Insurance South Western Group SUM Totten Insurance Group Travelers Canada Trinity Underwriting Managers Trisura Underwriting Solutions LP

Hairdressers, Barbers & Beauty Shops A.M. Fredericks Underwriting Approved Surety & Casualty Inc. April Canada Inc. Aurora Underwriting Services Burns & Wilcox Canada Can-Sure Underwriting Ltd. CHES Special Risk Inc. Coachman Insurance Company Echelon Insurance Economical Insurance Evolution Insurance Inc. GROUPASSUR Canada GroupOne Insurance Services Markel Milnco Insurance Northbridge Insurance SGI Canada South Western Group Sports & Fitness Insurance SUM Totten Insurance Group Trinity Underwriting Managers

Health Clubs A.M. Fredericks Underwriting Approved Surety & Casualty Inc. April Canada Inc. Burns & Wilcox Canada Can-Sure Underwriting Ltd. August 2018 Canadian Underwriter 45

2018 National Insurance Marketer CHES Special Risk Inc. Evolution Insurance Inc. GROUPASSUR Canada GroupOne Insurance Services Markel Milnco Insurance South Western Group Sports & Fitness Insurance SUM Totten Insurance Group

Hospital Executives A.M. Fredericks Underwriting Approved Surety & Casualty Inc. April Canada Inc. Burns & Wilcox Canada Can-Sure Underwriting Ltd. CHES Special Risk Inc. ENCON Group Inc. South Western Group SUM

Hospital Personnel A.M. Fredericks Underwriting Approved Surety & Casualty Inc. April Canada Inc. Burns & Wilcox Canada Can-Sure Underwriting Ltd. CHES Special Risk Inc. ENCON Group Inc. MedThree Insurance Group South Western Group SUM

Independent Schools A.M. Fredericks Underwriting Approved Surety & Casualty Inc. April Canada Inc. Burns & Wilcox Canada CHES Special Risk Inc. Ecclesiastical Insurance Frank Cowan Company GROUPASSUR Canada Northbridge Insurance South Western Group SUM Totten Insurance Group Travelers Canada Trinity Underwriting Managers Trisura

Information Technology A.M. Fredericks Underwriting Approved Surety & Casualty Inc. April Canada Inc. Burns & Wilcox Canada ENCON Group Inc. Evolution Insurance Inc. GROUPASSUR Canada Ironshore Canada Liberty International Milnco Insurance Northbridge Insurance South Western Group SUM Trinity Underwriting Managers

Insurance Brokers/Agents A.M. Fredericks Underwriting Approved Surety & Casualty Inc. Aurora Underwriting Services Burns & Wilcox Canada Can-Sure Underwriting Ltd. CHES Special Risk Inc. 46

Canadian Underwriter August 2018

Chutter Underwriting Services ENCON Group Inc. GroupOne Insurance Services Ironshore Canada Liberty International Markel Milnco Insurance Northbridge Insurance SGI Canada South Western Group SUM Travelers Canada Trisura

Insurers A.M. Fredericks Underwriting Approved Surety & Casualty Inc. Aurora Underwriting Services Burns & Wilcox Canada CHES Special Risk Inc. GroupOne Insurance Services Ironshore Canada Liberty International Markel South Western Group Travelers Canada Trisura

Interior Designers A.M. Fredericks Underwriting Approved Surety & Casualty Inc. April Canada Inc. Aurora Underwriting Services Burns & Wilcox Canada Can-Sure Underwriting Ltd. CHES Special Risk Inc. Chutter Underwriting Services Economical Insurance ENCON Group Inc. Evolution Insurance Inc. GROUPASSUR Canada GroupOne Insurance Services Ironshore Canada Liberty International Markel Milnco Insurance Northbridge Insurance South Western Group SUM Totten Insurance Group Travelers Canada Trinity Underwriting Managers Underwriting Solutions LP

Internet Service Provider A.M. Fredericks Underwriting Approved Surety & Casualty Inc. Burns & Wilcox Canada Can-Sure Underwriting Ltd. CHES Special Risk Inc. ENCON Group Inc. Evolution Insurance Inc. GROUPASSUR Canada Ironshore Canada Liberty International Markel Milnco Insurance South Western Group SUM Totten Insurance Group Travelers Canada Trinity Underwriting Managers Trisura

Investment Counselors

Landscape Architects

A.M. Fredericks Underwriting Approved Surety & Casualty Inc. Burns & Wilcox Canada Can-Sure Underwriting Ltd. CHES Special Risk Inc. Ironshore Canada South Western Group SUM Travelers Canada Trinity Underwriting Managers Trisura

A.M. Fredericks Underwriting Approved Surety & Casualty Inc. April Canada Inc. Aurora Underwriting Services Burns & Wilcox Canada Can-Sure Underwriting Ltd. CHES Special Risk Inc. Chutter Underwriting Services Economical Insurance ENCON Group Inc. Evolution Insurance Inc. GROUPASSUR Canada GroupOne Insurance Services Ironshore Canada Liberty International Markel South Western Group SUM Totten Insurance Group Trinity Underwriting Managers Underwriting Solutions LP

Investment Managers A.M. Fredericks Underwriting Approved Surety & Casualty Inc. Burns & Wilcox Canada Can-Sure Underwriting Ltd. CHES Special Risk Inc. Ironshore Canada Liberty International South Western Group Travelers Canada Trinity Underwriting Managers Trisura

IPO Approved Surety & Casualty Inc. Burns & Wilcox Canada CHES Special Risk Inc. Evolution Insurance Inc. Ironshore Canada SUM Travelers Canada

Joint Ventures A.M. Fredericks Underwriting Approved Surety & Casualty Inc. Burns & Wilcox Canada CHES Special Risk Inc. ENCON Group Inc. Evolution Insurance Inc. Ironshore Canada Liberty International Markel SUM Totten Insurance Group Trinity Underwriting Managers Trisura

Land Surveyors A.M. Fredericks Underwriting Approved Surety & Casualty Inc. April Canada Inc. Aurora Underwriting Services Burns & Wilcox Canada Can-Sure Underwriting Ltd. CHES Special Risk Inc. Chutter Underwriting Services ENCON Group Inc. Evolution Insurance Inc. GROUPASSUR Canada GroupOne Insurance Services Ironshore Canada Liberty International Markel South Western Group SUM Totten Insurance Group Travelers Canada Trinity Underwriting Managers Underwriting Solutions LP

Law Enforcement Officers A.M. Fredericks Underwriting Approved Surety & Casualty Inc. Burns & Wilcox Canada CHES Special Risk Inc. SUM

Lawyers Approved Surety & Casualty Inc. Burns & Wilcox Canada Can-Sure Underwriting Ltd. CHES Special Risk Inc. ENCON Group Inc. Evolution Insurance Inc. Ironshore Canada Liberty International Northbridge Insurance South Western Group SUM Travelers Canada Underwriting Solutions LP

Legal Expense A.M. Fredericks Underwriting Aurora Underwriting Services Burns & Wilcox Canada CHES Special Risk Inc. DAS Legal Protection Inc. ENCON Group Inc. Frank Cowan Company Ironshore Canada South Western Group Trinity Underwriting Managers Underwriting Solutions LP

Liability Insurance A.M. Fredericks Underwriting Approved Surety & Casualty Inc. Burns & Wilcox Canada Can-Sure Underwriting Ltd. CHES Special Risk Inc. Chutter Underwriting Services Eagle Underwriting Group Inc. ENCON Group Inc. Frank Cowan Company GROUPASSUR Canada Ironshore Canada Liberty International Markel MedThree Insurance Group

EXPERTISE inspires

CONFIDENCE

Totten Insurance Group has the expertise to handle challenging accounts, as well as specialty risks. With offices across Canada, Totten supports the broker community in key segments, including Commercial Property, Commercial Casualty, Healthcare, Hospitality, Forestry, Mining, Professional Liability and Personal Lines.

Learn more at www.tottengroup.com

Totten Corporate : 20 Dundas St. W. Suite 910, Toronto, Ontario M5G 2C2

1- 888.868.8367

2018 National Insurance Marketer South Western Group SUM Totten Insurance Group Travelers Canada Trinity Underwriting Managers Trisura

Life Agents Professional A.M. Fredericks Underwriting Burns & Wilcox Canada Can-Sure Underwriting Ltd. CHES Special Risk Inc. Ironshore Canada South Western Group SUM Trinity Underwriting Managers Trisura

Management Consultants A.M. Fredericks Underwriting Approved Surety & Casualty Inc. April Canada Inc. Aurora Underwriting Services Burns & Wilcox Canada Can-Sure Underwriting Ltd. CHES Special Risk Inc. Chutter Underwriting Services Economical Insurance ENCON Group Inc. Evolution Insurance Inc. GROUPASSUR Canada GroupOne Insurance Services Ironshore Canada Liberty International Markel Milnco Insurance Northbridge Insurance South Western Group SUM Totten Insurance Group Travelers Canada Trinity Underwriting Managers Trisura Underwriting Solutions LP

Manicurist, Esthetician, Electrolysis A.M. Fredericks Underwriting Approved Surety & Casualty Inc. April Canada Inc. Aurora Underwriting Services Burns & Wilcox Canada Can-Sure Underwriting Ltd. CHES Special Risk Inc. Coachman Insurance Company Economical Insurance Evolution Insurance Inc. GROUPASSUR Canada Markel MedThree Insurance Group Milnco Insurance Northbridge Insurance South Western Group Sports & Fitness Insurance SUM Totten Insurance Group Trinity Underwriting Managers

Manufacturers A.M. Fredericks Underwriting Approved Surety & Casualty Inc. April Canada Inc. Burns & Wilcox Canada 48

Canadian Underwriter August 2018

Can-Sure Underwriting Ltd. CHES Special Risk Inc. Chutter Underwriting Services Evolution Insurance Inc. GROUPASSUR Canada GroupOne Insurance Services Liberty International Markel Northbridge Insurance South Western Group SUM Trinity Underwriting Managers

Marine Architects A.M. Fredericks Underwriting Approved Surety & Casualty Inc. April Canada Inc. Burns & Wilcox Canada Can-Sure Underwriting Ltd. CHES Special Risk Inc. ENCON Group Inc. Evolution Insurance Inc. Ironshore Canada South Western Group SUM Totten Insurance Group

Martial Arts Studio A.M. Fredericks Underwriting Approved Surety & Casualty Inc. April Canada Inc. Burns & Wilcox Canada CHES Special Risk Inc. Evolution Insurance Inc. GROUPASSUR Canada K&K Canada Markel South Western Group Sports & Fitness Insurance SUM Totten Insurance Group Trinity Underwriting Managers

Medical A.M. Fredericks Underwriting Approved Surety & Casualty Inc. April Canada Inc. Aurora Underwriting Services Burns & Wilcox Canada Can-Sure Underwriting Ltd. CHES Special Risk Inc. Chutter Underwriting Services Economical Insurance ENCON Group Inc. Evolution Insurance Inc. Frank Cowan Company GROUPASSUR Canada Liberty International Markel MedThree Insurance Group South Western Group SUM Totten Insurance Group Trinity Underwriting Managers

Ministers & Pastors A.M. Fredericks Underwriting Burns & Wilcox Canada CHES Special Risk Inc. Coachman Insurance Company Ecclesiastical Insurance Markel Northbridge Insurance

South Western Group SUM Totten Insurance Group Trisura

Multimedia Companies A.M. Fredericks Underwriting Approved Surety & Casualty Inc. April Canada Inc. Aurora Underwriting Services Burns & Wilcox Canada CHES Special Risk Inc. ENCON Group Inc. Evolution Insurance Inc. GROUPASSUR Canada GroupOne Insurance Services Ironshore Canada Liberty International Markel Milnco Insurance Northbridge Insurance South Western Group SUM Totten Insurance Group Trinity Underwriting Managers Trisura Underwriting Solutions LP

Municipal Architects, Engineers A.M. Fredericks Underwriting Approved Surety & Casualty Inc. April Canada Inc. Burns & Wilcox Canada CHES Special Risk Inc. Chutter Underwriting Services ENCON Group Inc. Evolution Insurance Inc. GROUPASSUR Canada GroupOne Insurance Services Ironshore Canada Liberty International South Western Group SUM Totten Insurance Group Trinity Underwriting Managers Underwriting Solutions LP

Mutual Fund Dealers Approved Surety & Casualty Inc. Burns & Wilcox Canada CHES Special Risk Inc. Ironshore Canada South Western Group Travelers Canada

Mutual Fund Managers A.M. Fredericks Underwriting Approved Surety & Casualty Inc. Burns & Wilcox Canada CHES Special Risk Inc. Ironshore Canada Liberty International South Western Group Travelers Canada

New Home Warranty Program Bonds A.M. Fredericks Underwriting Approved Surety & Casualty Inc. Burns & Wilcox Canada CHES Special Risk Inc. Trisura

Non-Destructive Testing A.M. Fredericks Underwriting

Approved Surety & Casualty Inc. Aurora Underwriting Services Burns & Wilcox Canada Can-Sure Underwriting Ltd. CHES Special Risk Inc. Chutter Underwriting Services Economical Insurance ENCON Group Inc. Evolution Insurance Inc. GROUPASSUR Canada GroupOne Insurance Services Ironshore Canada Markel Northbridge Insurance SUM Totten Insurance Group Trinity Underwriting Managers

Non-Profit Organizations, Directors & Officers A.M. Fredericks Underwriting Approved Surety & Casualty Inc. April Canada Inc. Aurora Underwriting Services Burns & Wilcox Canada Can-Sure Underwriting Ltd. CHES Special Risk Inc. Ecclesiastical Insurance Economical Insurance ENCON Group Inc. Evolution Insurance Inc. Frank Cowan Company GameDay Insurance Inc. GROUPASSUR Canada GroupOne Insurance Services The Guarantee Ironshore Canada K&K Canada Liberty International Markel Milnco Insurance Northbridge Insurance SGI Canada South Western Group SUM Totten Insurance Group Travelers Canada Trinity Underwriting Managers Trisura Underwriting Solutions LP

Opticians A.M. Fredericks Underwriting Approved Surety & Casualty Inc. April Canada Inc. Aurora Underwriting Services Burns & Wilcox Canada Can-Sure Underwriting Ltd. CHES Special Risk Inc. Coachman Insurance Company Echelon Insurance Economical Insurance ENCON Group Inc. GROUPASSUR Canada GroupOne Insurance Services Markel MedThree Insurance Group Northbridge Insurance SGI Canada South Western Group SUM Travelers Canada

CONTACT INFO: PP. 84-86

Trinity Underwriting Managers Underwriting Solutions LP

Optometrists A.M. Fredericks Underwriting Approved Surety & Casualty Inc. April Canada Inc. Aurora Underwriting Services Burns & Wilcox Canada Can-Sure Underwriting Ltd. CHES Special Risk Inc. Economical Insurance ENCON Group Inc. GROUPASSUR Canada GroupOne Insurance Services Markel MedThree Insurance Group Northbridge Insurance South Western Group SUM Travelers Canada Trinity Underwriting Managers Underwriting Solutions LP

Orthopedists A.M. Fredericks Underwriting Approved Surety & Casualty Inc. April Canada Inc. Aurora Underwriting Services Burns & Wilcox Canada Can-Sure Underwriting Ltd. CHES Special Risk Inc. ENCON Group Inc. GROUPASSUR Canada GroupOne Insurance Services Markel MedThree Insurance Group Northbridge Insurance South Western Group SUM Trinity Underwriting Managers

Patent and Trademark Agents A.M. Fredericks Underwriting Approved Surety & Casualty Inc. Burns & Wilcox Canada CHES Special Risk Inc. ENCON Group Inc. GROUPASSUR Canada GroupOne Insurance Services South Western Group SUM Totten Insurance Group

Penal Defense Cost Approved Surety & Casualty Inc. Burns & Wilcox Canada CHES Special Risk Inc. Evolution Insurance Inc. The Guarantee SUM Travelers Canada Trisura

Pension Consultants A.M. Fredericks Underwriting Approved Surety & Casualty Inc. Burns & Wilcox Canada Can-Sure Underwriting Ltd. CHES Special Risk Inc. Ironshore Canada Northbridge Insurance Totten Insurance Group Trisura

Pension Trusts A.M. Fredericks Underwriting Approved Surety & Casualty Inc. Burns & Wilcox Canada CHES Special Risk Inc. Evolution Insurance Inc. Ironshore Canada Liberty International Totten Insurance Group

Personal Trainer A.M. Fredericks Underwriting Approved Surety & Casualty Inc. April Canada Inc. Aurora Underwriting Services Burns & Wilcox Canada Can-Sure Underwriting Ltd. CHES Special Risk Inc. ENCON Group Inc. Evolution Insurance Inc. GROUPASSUR Canada GroupOne Insurance Services Ironshore Canada Markel Northbridge Insurance South Western Group Sports & Fitness Insurance SUM Totten Insurance Group Trinity Underwriting Managers

Pharmacists A.M. Fredericks Underwriting Approved Surety & Casualty Inc. April Canada Inc. Burns & Wilcox Canada Can-Sure Underwriting Ltd. CHES Special Risk Inc. Coachman Insurance Company Echelon Insurance Economical Insurance ENCON Group Inc. Evolution Insurance Inc. GROUPASSUR Canada Markel MedThree Insurance Group Northbridge Insurance SGI Canada South Western Group SUM Travelers Canada Trinity Underwriting Managers Trisura

Pollution Consultants A.M. Fredericks Underwriting Approved Surety & Casualty Inc. Burns & Wilcox Canada Can-Sure Underwriting Ltd. CHES Special Risk Inc. ENCON Group Inc. GROUPASSUR Canada Ironshore Canada Liberty International Markel South Western Group SUM Totten Insurance Group Trinity Underwriting Managers

Premium Financing Companies A.M. Fredericks Underwriting Approved Surety & Casualty Inc.

Burns & Wilcox Canada CHES Special Risk Inc. ENCON Group Inc. GroupOne Insurance Services Ironshore Canada South Western Group SUM Travelers Canada

Printers A.M. Fredericks Underwriting Approved Surety & Casualty Inc. April Canada Inc. Burns & Wilcox Canada Can-Sure Underwriting Ltd. CHES Special Risk Inc. ENCON Group Inc. Evolution Insurance Inc. GROUPASSUR Canada GroupOne Insurance Services Ironshore Canada Liberty International Markel Milnco Insurance Northbridge Insurance South Western Group SUM Totten Insurance Group Travelers Canada Trisura Underwriting Solutions LP

Privacy Compliance A.M. Fredericks Underwriting Approved Surety & Casualty Inc. Burns & Wilcox Canada CHES Special Risk Inc. GROUPASSUR Canada Ironshore Canada Liberty International SUM Trinity Underwriting Managers Trisura

Private Investigators A.M. Fredericks Underwriting Approved Surety & Casualty Inc. April Canada Inc. Burns & Wilcox Canada CHES Special Risk Inc. Chutter Underwriting Services ENCON Group Inc. Evolution Insurance Inc. GROUPASSUR Canada GroupOne Insurance Services Markel South Western Group SUM Totten Insurance Group Trinity Underwriting Managers Trisura

Project Managers A.M. Fredericks Underwriting Approved Surety & Casualty Inc. April Canada Inc. Aurora Underwriting Services Burns & Wilcox Canada Can-Sure Underwriting Ltd. CHES Special Risk Inc. Chutter Underwriting Services ENCON Group Inc. Evolution Insurance Inc.

GROUPASSUR Canada GroupOne Insurance Services Ironshore Canada Liberty International Markel Northbridge Insurance South Western Group SUM Totten Insurance Group Travelers Canada Trinity Underwriting Managers Trisura Underwriting Solutions LP

Property Managers A.M. Fredericks Underwriting Approved Surety & Casualty Inc. April Canada Inc. Aurora Underwriting Services Burns & Wilcox Canada Can-Sure Underwriting Ltd. CHES Special Risk Inc. Evolution Insurance Inc. GROUPASSUR Canada GroupOne Insurance Services Ironshore Canada Liberty International Markel Milnco Insurance Northbridge Insurance South Western Group SUM Totten Insurance Group Travelers Canada Trinity Underwriting Managers Trisura Underwriting Solutions LP

Psychiatrists A.M. Fredericks Underwriting Approved Surety & Casualty Inc. April Canada Inc. Burns & Wilcox Canada Can-Sure Underwriting Ltd. CHES Special Risk Inc. ENCON Group Inc. GROUPASSUR Canada Markel MedThree Insurance Group South Western Group SUM Trinity Underwriting Managers

Psychologists A.M. Fredericks Underwriting Approved Surety & Casualty Inc. April Canada Inc. Burns & Wilcox Canada Can-Sure Underwriting Ltd. CHES Special Risk Inc. Economical Insurance ENCON Group Inc. GROUPASSUR Canada Markel MedThree Insurance Group Northbridge Insurance South Western Group SUM Trinity Underwriting Managers Trisura

Public Officials Liability A.M. Fredericks Underwriting August 2018 Canadian Underwriter 49

2018 National Insurance Marketer Approved Surety & Casualty Inc. Burns & Wilcox Canada Can-Sure Underwriting Ltd. CHES Special Risk Inc. Frank Cowan Company Ironshore Canada South Western Group SUM Travelers Canada

Public Relations & Promotions A.M. Fredericks Underwriting Approved Surety & Casualty Inc. April Canada Inc. Burns & Wilcox Canada Can-Sure Underwriting Ltd. CHES Special Risk Inc. Chutter Underwriting Services ENCON Group Inc. Evolution Insurance Inc. GROUPASSUR Canada Ironshore Canada Liberty International Markel Northbridge Insurance South Western Group SUM Travelers Canada Trinity Underwriting Managers Trisura Underwriting Solutions LP

Publishers A.M. Fredericks Underwriting Approved Surety & Casualty Inc. April Canada Inc. Burns & Wilcox Canada Can-Sure Underwriting Ltd. CHES Special Risk Inc. ENCON Group Inc. Evolution Insurance Inc. GROUPASSUR Canada GroupOne Insurance Services Ironshore Canada Liberty International Markel Northbridge Insurance South Western Group SUM Totten Insurance Group Travelers Canada Trinity Underwriting Managers Trisura Underwriting Solutions LP

Quantity Surveyors A.M. Fredericks Underwriting Approved Surety & Casualty Inc. Burns & Wilcox Canada Can-Sure Underwriting Ltd. CHES Special Risk Inc. ENCON Group Inc. GROUPASSUR Canada GroupOne Insurance Services Ironshore Canada Liberty International Markel Northbridge Insurance South Western Group SUM Totten Insurance Group Trinity Underwriting Managers 50

Canadian Underwriter August 2018

Quasi Medical A.M. Fredericks Underwriting Approved Surety & Casualty Inc. April Canada Inc. Aurora Underwriting Services Burns & Wilcox Canada Can-Sure Underwriting Ltd. CHES Special Risk Inc. ENCON Group Inc. Evolution Insurance Inc. Frank Cowan Company GROUPASSUR Canada Liberty International Markel MedThree Insurance Group South Western Group SUM Trinity Underwriting Managers Trisura Underwriting Solutions LP

Radiologists A.M. Fredericks Underwriting Approved Surety & Casualty Inc. April Canada Inc. Burns & Wilcox Canada Can-Sure Underwriting Ltd. CHES Special Risk Inc. ENCON Group Inc. GROUPASSUR Canada Markel MedThree Insurance Group South Western Group SUM Trinity Underwriting Managers

Real Estate Agents A.M. Fredericks Underwriting Approved Surety & Casualty Inc. April Canada Inc. Aurora Underwriting Services Burns & Wilcox Canada Can-Sure Underwriting Ltd. CHES Special Risk Inc. GROUPASSUR Canada GroupOne Insurance Services Ironshore Canada Northbridge Insurance South Western Group Travelers Canada Trisura

Reimbursement for Educational Institutions A.M. Fredericks Underwriting Approved Surety & Casualty Inc. Burns & Wilcox Canada CHES Special Risk Inc. Travelers Canada Trisura

Security Guards A.M. Fredericks Underwriting Approved Surety & Casualty Inc. Burns & Wilcox Canada Can-Sure Underwriting Ltd. CHES Special Risk Inc. Evolution Insurance Inc. GROUPASSUR Canada GroupOne Insurance Services Ironshore Canada Markel South Western Group

SUM Totten Insurance Group Trinity Underwriting Managers

Seed Cleaners A.M. Fredericks Underwriting Approved Surety & Casualty Inc. April Canada Inc. Burns & Wilcox Canada CHES Special Risk Inc. ENCON Group Inc. Northbridge Insurance South Western Group SUM Totten Insurance Group

Seedsmen A.M. Fredericks Underwriting Approved Surety & Casualty Inc. April Canada Inc. Burns & Wilcox Canada CHES Special Risk Inc. Economical Insurance Northbridge Insurance South Western Group SUM Totten Insurance Group

Single Projects A.M. Fredericks Underwriting Approved Surety & Casualty Inc. April Canada Inc. Burns & Wilcox Canada Can-Sure Underwriting Ltd. CHES Special Risk Inc. ENCON Group Inc. Evolution Insurance Inc. GROUPASSUR Canada Ironshore Canada Liberty International Markel South Western Group SUM Totten Insurance Group Trisura

Social Workers A.M. Fredericks Underwriting Approved Surety & Casualty Inc. Burns & Wilcox Canada CHES Special Risk Inc. Ecclesiastical Insurance Economical Insurance ENCON Group Inc. Evolution Insurance Inc. GROUPASSUR Canada Liberty International Markel MedThree Insurance Group Milnco Insurance Northbridge Insurance South Western Group SUM Totten Insurance Group Travelers Canada Trinity Underwriting Managers Trisura Underwriting Solutions LP

Software/Hardware Developers A.M. Fredericks Underwriting Approved Surety & Casualty Inc. April Canada Inc.

Burns & Wilcox Canada Can-Sure Underwriting Ltd. CHES Special Risk Inc. ENCON Group Inc. Evolution Insurance Inc. GROUPASSUR Canada GroupOne Insurance Services Ironshore Canada Liberty International Markel Milnco Insurance Northbridge Insurance South Western Group SUM Totten Insurance Group Travelers Canada Trinity Underwriting Managers Trisura

Spas A.M. Fredericks Underwriting April Canada Inc. Burns & Wilcox Canada Chutter Underwriting Services Evolution Insurance Inc. GROUPASSUR Canada Markel Milnco Insurance South Western Group Sports & Fitness Insurance SUM Trinity Underwriting Managers

Sprinkler & Fire Protection Installers A.M. Fredericks Underwriting Approved Surety & Casualty Inc. Burns & Wilcox Canada Can-Sure Underwriting Ltd. CHES Special Risk Inc. Evolution Insurance Inc. GroupOne Insurance Services Ironshore Canada Markel South Western Group SUM Totten Insurance Group

Stockbrokers Approved Surety & Casualty Inc. Burns & Wilcox Canada CHES Special Risk Inc. South Western Group SUM

Stock Transfer Agents A.M. Fredericks Underwriting Approved Surety & Casualty Inc. Burns & Wilcox Canada CHES Special Risk Inc. South Western Group SUM

Suntanning Salons A.M. Fredericks Underwriting Approved Surety & Casualty Inc. April Canada Inc. Burns & Wilcox Canada CHES Special Risk Inc. Evolution Insurance Inc. Markel MedThree Insurance Group South Western Group Sports & Fitness Insurance

Spotlight On | General Liability

I

n general liability lines, where pricing and competition are still healthy, brokers are more likely to notice windows of opportunity starting to close – particularly in the hot tar and hospitality lines.

“Competition is out there, capacity is still out there, and a lot of markets are still quoting on the types of risks we see,” reports Tyson Peel, national property and casualty manager at Burns & Wilcox Canada. “But we are just starting to see the trend of a few specific operations or classes of business turn a little bit hard, which might see companies trend different ways on the premium.”

One specific example is hot tar, or torch work on a roof. The Toronto Star reported an incident in April 2018 in which two eight-year-boys in a Toronto school were sent to hospital after hot tar fell through the school roof and burned them while they were in gym class.

Peel says it has become extremely difficult for brokers to get capacity or pricing on these types of accounts, and the Lloyd’s market is starting to clamp down on writing these types of risks.

“I think it’s a culmination of larger losses that they’ve picked up throughout the past year,” Peel says. “For example, we’ve had renewal premiums on accounts with $10 million limits at $30,000, and the market comes back and says, ‘The max I can give you is $2 million, and now it’s $100,000 [premium].’ It’s a big change and an eyeopener for that class of business.”

Hospitality is another rough one.

Capacity is drying up for night clubs, bars, restaurants and lounges. Common claims liability exposures include failure to request ID, activity hazards (bar fights, falling off of mechanical bulls or bar stools), blocked or malfunctioning exits, flammable decorations, or – the big one – over-serving customers.

“I know they are all ‘smart serve,’ and they all like to say they all do that, but I think everyone can attest to going to a bar and seeing over-serving happening all the time,” Peel says. “They want to continue the business, but they want to be responsible. It’s a fine balance they have to walk.”

Quick Facts In comprehensive general liability lines (with products), Canadian property and casualty insurers took in direct premiums written of $3.2 billion, up from $3.1 billion in 2016 – a 3.1 per cent increase.

August 2018 Canadian Underwriter 51

2018 National Insurance Marketer SUM Totten Insurance Group Trinity Underwriting Managers

Tattoo and Body Piercing A.M. Fredericks Underwriting Approved Surety & Casualty Inc. April Canada Inc. Burns & Wilcox Canada CHES Special Risk Inc. Chutter Underwriting Services Evolution Insurance Inc. Markel MedThree Insurance Group South Western Group

Telecommunications A.M. Fredericks Underwriting Approved Surety & Casualty Inc. Burns & Wilcox Canada CHES Special Risk Inc. Chutter Underwriting Services ENCON Group Inc. Evolution Insurance Inc. GROUPASSUR Canada Ironshore Canada Liberty International Markel South Western Group SUM Totten Insurance Group Travelers Canada

Telephone Answering Services A.M. Fredericks Underwriting Approved Surety & Casualty Inc. April Canada Inc. Burns & Wilcox Canada Can-Sure Underwriting Ltd. CHES Special Risk Inc. Economical Insurance ENCON Group Inc. Evolution Insurance Inc. GROUPASSUR Canada GroupOne Insurance Services Ironshore Canada Liberty International Markel Northbridge Insurance South Western Group SUM Totten Insurance Group Travelers Canada Trinity Underwriting Managers Trisura

Theological Counselors A.M. Fredericks Underwriting Approved Surety & Casualty Inc. Burns & Wilcox Canada Can-Sure Underwriting Ltd. CHES Special Risk Inc. Ecclesiastical Insurance Economical Insurance GROUPASSUR Canada Markel Northbridge Insurance South Western Group SUM Totten Insurance Group Trinity Underwriting Managers Trisura 52

Canadian Underwriter August 2018

Title Abstractors A.M. Fredericks Underwriting Approved Surety & Casualty Inc. Burns & Wilcox Canada CHES Special Risk Inc. ENCON Group Inc. Markel SUM Totten Insurance Group Trisura

Town Planners A.M. Fredericks Underwriting Approved Surety & Casualty Inc. April Canada Inc. Burns & Wilcox Canada Can-Sure Underwriting Ltd. CHES Special Risk Inc. ENCON Group Inc. Evolution Insurance Inc. Ironshore Canada Liberty International Markel South Western Group SUM Totten Insurance Group Trisura

Translators A.M. Fredericks Underwriting Approved Surety & Casualty Inc. April Canada Inc. Burns & Wilcox Canada Can-Sure Underwriting Ltd. CHES Special Risk Inc. Chutter Underwriting Services Economical Insurance ENCON Group Inc. GROUPASSUR Canada GroupOne Insurance Services Ironshore Canada Liberty International Markel Milnco Insurance Northbridge Insurance South Western Group SUM Totten Insurance Group Travelers Canada Trinity Underwriting Managers Trisura

Travel Agents A.M. Fredericks Underwriting Approved Surety & Casualty Inc. April Canada Inc. Burns & Wilcox Canada Can-Sure Underwriting Ltd. CHES Special Risk Inc. Chutter Underwriting Services Economical Insurance Evolution Insurance Inc. Ironshore Canada Liberty International Markel Milnco Insurance Northbridge Insurance South Western Group SUM Totten Insurance Group Travelers Canada Trinity Underwriting Managers

Trisura Underwriting Solutions LP

Travelers Canada Trisura

Trust Companies

Veterinarian

A.M. Fredericks Underwriting Approved Surety & Casualty Inc. Burns & Wilcox Canada CHES Special Risk Inc. Ironshore Canada Travelers Canada

A.M. Fredericks Underwriting Approved Surety & Casualty Inc. April Canada Inc. Aurora Underwriting Services Burns & Wilcox Canada Can-Sure Underwriting Ltd. CHES Special Risk Inc. Coachman Insurance Company Economical Insurance ENCON Group Inc. GROUPASSUR Canada Markel MedThree Insurance Group Northbridge Insurance SGI Canada SUM Trisura

Trust Funds A.M. Fredericks Underwriting Approved Surety & Casualty Inc. Burns & Wilcox Canada CHES Special Risk Inc. Ironshore Canada Totten Insurance Group Travelers Canada Trisura

Trustee in Bankruptcy A.M. Fredericks Underwriting Approved Surety & Casualty Inc. Burns & Wilcox Canada CHES Special Risk Inc. Evolution Insurance Inc. Ironshore Canada South Western Group SUM Travelers Canada Trisura

U.S. Exposures A.M. Fredericks Underwriting Approved Surety & Casualty Inc. Burns & Wilcox Canada CHES Special Risk Inc. Chutter Underwriting Services ENCON Group Inc. Evolution Insurance Inc. GROUPASSUR Canada Ironshore Canada Markel South Western Group SUM Totten Insurance Group Travelers Canada Trinity Underwriting Managers

Umbrella A.M. Fredericks Underwriting Approved Surety & Casualty Inc. April Canada Inc. Burns & Wilcox Canada Can-Sure Underwriting Ltd. CHES Special Risk Inc. ENCON Group Inc. Evolution Insurance Inc. GROUPASSUR Canada Ironshore Canada Liberty International Northbridge Insurance South Western Group SUM Trinity Underwriting Managers

Venture Capital A.M. Fredericks Underwriting Approved Surety & Casualty Inc. Burns & Wilcox Canada CHES Special Risk Inc. Evolution Insurance Inc. Ironshore Canada Liberty International

Website Security A.M. Fredericks Underwriting Approved Surety & Casualty Inc. Burns & Wilcox Canada Can-Sure Underwriting Ltd. CHES Special Risk Inc. ENCON Group Inc. Evolution Insurance Inc. Ironshore Canada Liberty International Northbridge Insurance South Western Group SUM Trinity Underwriting Managers Trisura

Wellness Clinics A.M. Fredericks Underwriting April Canada Inc. Burns & Wilcox Canada Chutter Underwriting Services GROUPASSUR Canada Liberty International Markel

Sports & Fitness Insurance SUM Trinity Underwriting Managers

FARMING

Agricultural Machinery A.M. Fredericks Underwriting Agile Underwriting Solutions Aurora Underwriting Services Burns & Wilcox Canada Can-Sure Underwriting Ltd. CHES Special Risk Inc. Chutter Underwriting Services Eagle Underwriting Group Inc. Economical Insurance Liberty International Markel Milnco Insurance Northbridge Insurance SGI Canada South Western Group SUM

Aqua Farms A.M. Fredericks Underwriting Burns & Wilcox Canada

CONTACT INFO: PP. 84-86

CHES Special Risk Inc. Liberty International

Economical Insurance

Cattle Farm

Burns & Wilcox Canada CHES Special Risk Inc.

A.M. Fredericks Underwriting Aurora Underwriting Services Burns & Wilcox Canada CHES Special Risk Inc. Economical Insurance Milnco Insurance Northbridge Insurance SGI Canada

Crops, Standing Grain A.M. Fredericks Underwriting Burns & Wilcox Canada CHES Special Risk Inc. Economical Insurance Milnco Insurance SGI Canada

Crops, Tobacco Burns & Wilcox Canada CHES Special Risk Inc. Economical Insurance South Western Group

Crops, Vegetables A.M. Fredericks Underwriting Burns & Wilcox Canada CHES Special Risk Inc. Chutter Underwriting Services Economical Insurance Liberty International Milnco Insurance

Equestrian Burns & Wilcox Canada CHES Special Risk Inc. Echelon Insurance K&K Canada

Equipment Breakdown Agile Underwriting Solutions BI&I Burns & Wilcox Canada Economical Insurance

Family Farm Package A.M. Fredericks Underwriting Agile Underwriting Solutions Aurora Underwriting Services Burns & Wilcox Canada Can-Sure Underwriting Ltd. CHES Special Risk Inc. Milnco Insurance

Hail On Crops

Hobby Farms A.M. Fredericks Underwriting Agile Underwriting Solutions Aurora Underwriting Services Burns & Wilcox Canada Can-Sure Underwriting Ltd. CHES Special Risk Inc. Echelon Insurance Economical Insurance GroupOne Insurance Services K&K Canada Milnco Insurance Underwriting Solutions LP

Hog Farms Burns & Wilcox Canada Can-Sure Underwriting Ltd. CHES Special Risk Inc. Northbridge Insurance

Legal Expense Burns & Wilcox Canada CHES Special Risk Inc. DAS Legal Protection Inc.

Medical Marijuana Burns & Wilcox Canada SUM

Milk Farm/Dairy Farm A.M. Fredericks Underwriting Burns & Wilcox Canada Can-Sure Underwriting Ltd. Chutter Underwriting Services Economical Insurance Milnco Insurance Northbridge Insurance Underwriting Solutions LP

Ostrich Farm A.M. Fredericks Underwriting Burns & Wilcox Canada CHES Special Risk Inc.

Poultry Farm

Burns & Wilcox Canada CHES Special Risk Inc.

A.M. Fredericks Underwriting Burns & Wilcox Canada Can-Sure Underwriting Ltd. CHES Special Risk Inc. Chutter Underwriting Services Economical Insurance Liberty International Milnco Insurance Northbridge Insurance

Grain Farm

Silva Farms

Farmer Disability

A.M. Fredericks Underwriting Burns & Wilcox Canada Can-Sure Underwriting Ltd. CHES Special Risk Inc. Economical Insurance Milnco Insurance Northbridge Insurance Underwriting Solutions LP

A.M. Fredericks Underwriting Burns & Wilcox Canada CHES Special Risk Inc. Chutter Underwriting Services

Standing Timber A.M. Fredericks Underwriting Burns & Wilcox Canada CHES Special Risk Inc.

Greenhouses

Substandard Risk

Agile Underwriting Solutions Burns & Wilcox Canada Can-Sure Underwriting Ltd. CHES Special Risk Inc. Chutter Underwriting Services

A.M. Fredericks Underwriting Agile Underwriting Solutions Burns & Wilcox Canada Can-Sure Underwriting Ltd. CHES Special Risk Inc.

GroupOne Insurance Services South Western Group SUM

Weather Insurance Approved Surety & Casualty Inc. Burns & Wilcox Canada CHES Special Risk Inc.

April Canada Inc. Burns & Wilcox Canada DAS Legal Protection Inc. Echelon Insurance Liberty International South Western Group Totten Insurance Group Trinity Underwriting Managers

FINANCIAL & LEGAL

Life & Disability Creditor Lease

Accounts Receivable

Approved Surety & Casualty Inc. Burns & Wilcox Canada

A.M. Fredericks Underwriting Approved Surety & Casualty Inc. April Canada Inc. Burns & Wilcox Canada Can-Sure Underwriting Ltd. Coachman Insurance Company The Guarantee Markel Northbridge Insurance SGI Canada South Western Group SUM

Armored Car A.M. Fredericks Underwriting Approved Surety & Casualty Inc. Burns & Wilcox Canada CHES Special Risk Inc. SUM

Bailee’s Customers

Money In Transit Approved Surety & Casualty Inc. April Canada Inc. Burns & Wilcox Canada CHES Special Risk Inc. Liberty International Travelers Canada

Mortgage Approved Surety & Casualty Inc. Burns & Wilcox Canada Can-Sure Underwriting Ltd.

Mortgage Broker A.M. Fredericks Underwriting Approved Surety & Casualty Inc. Burns & Wilcox Canada Can-Sure Underwriting Ltd. Trinity Underwriting Managers

A.M. Fredericks Underwriting Approved Surety & Casualty Inc. April Canada Inc. Burns & Wilcox Canada Can-Sure Underwriting Ltd. Coachman Insurance Company Northbridge Insurance SUM

Mortgage Impairment

Bankers Blanket Bonds

Premium Insurance

Approved Surety & Casualty Inc. Burns & Wilcox Canada CHES Special Risk Inc. Ironshore Canada Liberty International Travelers Canada Trisura

Credit Insurance Approved Surety & Casualty Inc. Burns & Wilcox Canada Eagle Underwriting Group Inc. The Guarantee

Defendant’s Commercial Litigation Indemnity Approved Surety & Casualty Inc. Burns & Wilcox Canada

Identity Fraud Expense Approved Surety & Casualty Inc. April Canada Inc. Burns & Wilcox Canada Travelers Canada Trisura

Judicial Delay Cover Approved Surety & Casualty Inc. Burns & Wilcox Canada Sutton Special Risk

Legal Expense Approved Surety & Casualty Inc.

Approved Surety & Casualty Inc. Burns & Wilcox Canada South Western Group

Plaintiff’s Cost Indemnity Approved Surety & Casualty Inc. Burns & Wilcox Canada Approved Surety & Casualty Inc. Burns & Wilcox Canada

Private School Tuition Fee A.M. Fredericks Underwriting Approved Surety & Casualty Inc. Burns & Wilcox Canada Can-Sure Underwriting Ltd. Ecclesiastical Insurance Northbridge Insurance Sutton Special Risk

Representations & Warranties Burns & Wilcox Canada Ironshore Canada Liberty International

Safety Deposit Vault & Valuable Papers Approved Surety & Casualty Inc. Burns & Wilcox Canada SGI Canada

Shareholders Lost Instrument Approved Surety & Casualty Inc. Burns & Wilcox Canada The Guarantee Trisura

Tax Liability Burns & Wilcox Canada Ironshore Canada August 2018 Canadian Underwriter 53

2018 National Insurance Marketer Title Insurance Approved Surety & Casualty Inc. Burns & Wilcox Canada Travelers Canada

FINE ARTS A.M. Fredericks Underwriting Agile Underwriting Solutions April Canada Inc. Aurora Underwriting Services Burns & Wilcox Canada CHES Special Risk Inc. Coachman Insurance Company Eagle Underwriting Group Inc. Ecclesiastical Insurance Evolution Insurance Inc. Frank Cowan Company GroupOne Insurance Services Ironshore Canada Liberty International Northbridge Insurance SGI Canada South Western Group SUM Totten Insurance Group Trinity Underwriting Managers XL Catlin

Northbridge Insurance SGI Canada South Western Group Totten Insurance Group Travelers Canada Trinity Underwriting Managers Underwriting Solutions LP

Exhibition Floater A.M. Fredericks Underwriting Agile Underwriting Solutions April Canada Inc. Burns & Wilcox Canada Can-Sure Underwriting Ltd. CHES Special Risk Inc. Chutter Underwriting Services Eagle Underwriting Group Inc. Economical Insurance Evolution Insurance Inc. Frank Cowan Company GROUPASSUR Canada GroupOne Insurance Services Markel Milnco Insurance Northbridge Insurance South Western Group Travelers Canada Trinity Underwriting Managers

Installation Floater FLOATERS

Camera Floater A.M. Fredericks Underwriting Agile Underwriting Solutions April Canada Inc. Aurora Underwriting Services Burns & Wilcox Canada Can-Sure Underwriting Ltd. CHES Special Risk Inc. Chutter Underwriting Services Eagle Underwriting Group Inc. Markel Milnco Insurance Trinity Underwriting Managers

Consignment Floater A.M. Fredericks Underwriting Agile Underwriting Solutions April Canada Inc. Burns & Wilcox Canada CHES Special Risk Inc. Eagle Underwriting Group Inc. Markel

Contractors, Equipment A.M. Fredericks Underwriting Agile Underwriting Solutions Approved Surety & Casualty Inc. April Canada Inc. Aurora Underwriting Services Burns & Wilcox Canada Can-Sure Underwriting Ltd. CHES Special Risk Inc. Chutter Underwriting Services Coachman Insurance Company Eagle Underwriting Group Inc. Economical Insurance Evolution Insurance Inc. GROUPASSUR Canada GroupOne Insurance Services Markel Milnco Insurance 54

Canadian Underwriter August 2018

A.M. Fredericks Underwriting Agile Underwriting Solutions April Canada Inc. Burns & Wilcox Canada Can-Sure Underwriting Ltd. CHES Special Risk Inc. Chutter Underwriting Services Coachman Insurance Company Eagle Underwriting Group Inc. Economical Insurance Evolution Insurance Inc. Frank Cowan Company GROUPASSUR Canada GroupOne Insurance Services Markel Milnco Insurance Northbridge Insurance SGI Canada South Western Group Totten Insurance Group Travelers Canada Trinity Underwriting Managers Underwriting Solutions LP

Jewellery Floater Agile Underwriting Solutions April Canada Inc. Aurora Underwriting Services Burns & Wilcox Canada CHES Special Risk Inc.

Miscellaneous Property Floater A.M. Fredericks Underwriting Agile Underwriting Solutions April Canada Inc. Aurora Underwriting Services Burns & Wilcox Canada Can-Sure Underwriting Ltd. CHES Special Risk Inc. Chutter Underwriting Services Coachman Insurance Company Eagle Underwriting Group Inc. Economical Insurance

Frank Cowan Company GROUPASSUR Canada GroupOne Insurance Services Markel Milnco Insurance Northbridge Insurance SGI Canada South Western Group Totten Insurance Group Travelers Canada Trinity Underwriting Managers Underwriting Solutions LP

Timber Floater A.M. Fredericks Underwriting Agile Underwriting Solutions Approved Surety & Casualty Inc. Burns & Wilcox Canada CHES Special Risk Inc. Evolution Insurance Inc. South Western Group

Tombstone Floater A.M. Fredericks Underwriting Agile Underwriting Solutions CHES Special Risk Inc. Milnco Insurance

Transportation Floater A.M. Fredericks Underwriting Agile Underwriting Solutions April Canada Inc. Burns & Wilcox Canada Can-Sure Underwriting Ltd. CHES Special Risk Inc. Chutter Underwriting Services Eagle Underwriting Group Inc. Economical Insurance Evolution Insurance Inc. Frank Cowan Company GroupOne Insurance Services Markel Milnco Insurance Northbridge Insurance Travelers Canada Trinity Underwriting Managers

Vending Machine Floater A.M. Fredericks Underwriting Agile Underwriting Solutions Burns & Wilcox Canada Can-Sure Underwriting Ltd. CHES Special Risk Inc. Chutter Underwriting Services Markel Trinity Underwriting Managers

Woodland Equipment Floaters A.M. Fredericks Underwriting Agile Underwriting Solutions Approved Surety & Casualty Inc. Burns & Wilcox Canada Can-Sure Underwriting Ltd. CHES Special Risk Inc. Eagle Underwriting Group Inc. Markel South Western Group Totten Insurance Group

GENERAL LIABILITY

100% U.S.A. Exports A.M. Fredericks Underwriting April Canada Inc.

Aurora Underwriting Services Burns & Wilcox Canada CHES Special Risk Inc. Chutter Underwriting Services ENCON Group Inc. Evolution Insurance Inc. GROUPASSUR Canada GroupOne Insurance Services Ironshore Canada Liberty International Markel SUM Totten Insurance Group Trinity Underwriting Managers

Abuse/Molestation Aurora Underwriting Services Burns & Wilcox Canada CHES Special Risk Inc. Ecclesiastical Insurance Frank Cowan Company Ironshore Canada Markel Northbridge Insurance South Western Group SUM Totten Insurance Group

Ad Agency A.M. Fredericks Underwriting Approved Surety & Casualty Inc. April Canada Inc. Burns & Wilcox Canada Can-Sure Underwriting Ltd. CHES Special Risk Inc. ENCON Group Inc. GroupOne Insurance Services Markel South Western Group SUM Totten Insurance Group Travelers Canada Trinity Underwriting Managers

Advertiser A.M. Fredericks Underwriting Approved Surety & Casualty Inc. April Canada Inc. Burns & Wilcox Canada Can-Sure Underwriting Ltd. CHES Special Risk Inc. ENCON Group Inc. GroupOne Insurance Services Markel South Western Group SUM Totten Insurance Group Travelers Canada Trinity Underwriting Managers

Agri-Commercial A.M. Fredericks Underwriting Approved Surety & Casualty Inc. Aurora Underwriting Services Burns & Wilcox Canada Can-Sure Underwriting Ltd. CHES Special Risk Inc. Chutter Underwriting Services Economical Insurance Ironshore Canada Markel Milnco Insurance Northbridge Insurance

CONTACT INFO: PP. 84-86

SUM Totten Insurance Group Trinity Underwriting Managers

Amateur Sports Teams A.M. Fredericks Underwriting Burns & Wilcox Canada ENCON Group Inc. GameDay Insurance Inc. K&K Canada Markel Sports & Fitness Insurance SUM Underwriting Solutions LP

Amusement Devices A.M. Fredericks Underwriting Approved Surety & Casualty Inc. Burns & Wilcox Canada CHES Special Risk Inc. ENCON Group Inc. GROUPASSUR Canada GroupOne Insurance Services Markel South Western Group SUM Totten Insurance Group

Amusement Parks A.M. Fredericks Underwriting Approved Surety & Casualty Inc. Burns & Wilcox Canada Can-Sure Underwriting Ltd. ENCON Group Inc. GroupOne Insurance Services K&K Canada Markel South Western Group SUM Totten Insurance Group

Bingo Halls A.M. Fredericks Underwriting Approved Surety & Casualty Inc. April Canada Inc. Burns & Wilcox Canada CHES Special Risk Inc. Chutter Underwriting Services ENCON Group Inc. GROUPASSUR Canada GroupOne Insurance Services Markel Northbridge Insurance South Western Group SUM Totten Insurance Group Travelers Canada

Broadcaster A.M. Fredericks Underwriting Approved Surety & Casualty Inc. April Canada Inc. Burns & Wilcox Canada Can-Sure Underwriting Ltd. CHES Special Risk Inc. ENCON Group Inc. GroupOne Insurance Services Liberty International Markel South Western Group SUM

Cablecaster A.M. Fredericks Underwriting Approved Surety & Casualty Inc.

April Canada Inc. Burns & Wilcox Canada Can-Sure Underwriting Ltd. CHES Special Risk Inc. ENCON Group Inc. Markel South Western Group SUM

GroupOne Insurance Services Markel Northbridge Insurance SGI Canada South Western Group SUM Totten Insurance Group Travelers Canada

Care, Custody & Control

Church

A.M. Fredericks Underwriting Approved Surety & Casualty Inc. April Canada Inc. Burns & Wilcox Canada Can-Sure Underwriting Ltd. CHES Special Risk Inc. Eagle Underwriting Group Inc. GROUPASSUR Canada Markel Milnco Insurance South Western Group Totten Insurance Group Trinity Underwriting Managers

A.M. Fredericks Underwriting Approved Surety & Casualty Inc. Burns & Wilcox Canada Can-Sure Underwriting Ltd. CHES Special Risk Inc. Chutter Underwriting Services Coachman Insurance Company Ecclesiastical Insurance Economical Insurance ENCON Group Inc. Frank Cowan Company Markel Northbridge Insurance SGI Canada South Western Group SUM Totten Insurance Group Travelers Canada

Cargo A.M. Fredericks Underwriting April Canada Inc. Burns & Wilcox Canada CHES Special Risk Inc. Coachman Insurance Company Eagle Underwriting Group Inc. Ironshore Canada SGI Canada SUM

Clubs & Community Associations A.M. Fredericks Underwriting Approved Surety & Casualty Inc. April Canada Inc.

Aurora Underwriting Services Burns & Wilcox Canada Can-Sure Underwriting Ltd. CHES Special Risk Inc. Chutter Underwriting Services Echelon Insurance ENCON Group Inc. Frank Cowan Company GameDay Insurance Inc. GroupOne Insurance Services The Guarantee Liberty International Markel Northbridge Insurance SGI Canada South Western Group SUM Totten Insurance Group Travelers Canada Trinity Underwriting Managers Underwriting Solutions LP

Computer Professionals A.M. Fredericks Underwriting Approved Surety & Casualty Inc. April Canada Inc. Aurora Underwriting Services Burns & Wilcox Canada Can-Sure Underwriting Ltd. CHES Special Risk Inc. ENCON Group Inc. GROUPASSUR Canada GroupOne Insurance Services Liberty International

Carnival and Circus A.M. Fredericks Underwriting Approved Surety & Casualty Inc. Burns & Wilcox Canada CHES Special Risk Inc. ENCON Group Inc. GroupOne Insurance Services K&K Canada Markel South Western Group SUM

Casinos A.M. Fredericks Underwriting Approved Surety & Casualty Inc. April Canada Inc. Burns & Wilcox Canada Can-Sure Underwriting Ltd. CHES Special Risk Inc. Chutter Underwriting Services ENCON Group Inc. K&K Canada Liberty International Markel South Western Group SUM Totten Insurance Group Travelers Canada

Caterers A.M. Fredericks Underwriting Approved Surety & Casualty Inc. April Canada Inc. Burns & Wilcox Canada Can-Sure Underwriting Ltd. CHES Special Risk Inc. Coachman Insurance Company ENCON Group Inc. GROUPASSUR Canada

Want something real?

Real people. Real relationships. Real expertise.

Find out more about our specialty insurance, warranty and surety solutions.

Visit www.trisura.com a step above

Trisura Guarantee Insurance Company is a Canadian owned and operated Property and Casualty ĜĹŸƚų±ĹÏå ÏŅĵޱĹƼ ŸŞåÏĜ±ĬĜDŽĜĹč ĜĹƤĹĜÏĘå ĜĹŸƚų±ĹÏå ±ĹÚ ŸƚųåƋƼ ŞųŅÚƚÏƋŸţ å ±ųå ± ŞųŅƚÚ ŸƚŞŞŅųƋåų Ņü ƋĘå FĹŸƚų±ĹÏå ųŅĩåųŸ eŸŸŅÏĜ±ƋĜŅĹ Ņü ±Ĺ±Ú±ţ

August 2018 Canadian Underwriter 55

2018 National Insurance Marketer Markel Northbridge Insurance South Western Group SUM Totten Insurance Group Travelers Canada Trinity Underwriting Managers Trisura

Computer Retailers A.M. Fredericks Underwriting Approved Surety & Casualty Inc. April Canada Inc. Aurora Underwriting Services Burns & Wilcox Canada Can-Sure Underwriting Ltd. CHES Special Risk Inc. Chutter Underwriting Services Coachman Insurance Company ENCON Group Inc. GROUPASSUR Canada GroupOne Insurance Services Markel Milnco Insurance Northbridge Insurance SGI Canada South Western Group SUM Totten Insurance Group Travelers Canada Trinity Underwriting Managers

Concerts A.M. Fredericks Underwriting Approved Surety & Casualty Inc. Burns & Wilcox Canada CHES Special Risk Inc. Echelon Insurance ENCON Group Inc. GROUPASSUR Canada GroupOne Insurance Services K&K Canada Markel South Western Group SUM Totten Insurance Group Travelers Canada

Consultants A.M. Fredericks Underwriting Approved Surety & Casualty Inc. April Canada Inc. Burns & Wilcox Canada CHES Special Risk Inc. Chutter Underwriting Services ENCON Group Inc. GROUPASSUR Canada GroupOne Insurance Services Ironshore Canada Liberty International Markel Milnco Insurance South Western Group SUM Totten Insurance Group Trinity Underwriting Managers Trisura Underwriting Solutions LP

Contractors A.M. Fredericks Underwriting Approved Surety & Casualty Inc. April Canada Inc. 56

Canadian Underwriter August 2018

Aurora Underwriting Services Burns & Wilcox Canada Can-Sure Underwriting Ltd. CHES Special Risk Inc. Chutter Underwriting Services Coachman Insurance Company Echelon Insurance Economical Insurance ENCON Group Inc. Evolution Insurance Inc. GROUPASSUR Canada GroupOne Insurance Services Ironshore Canada Liberty International Markel Milnco Insurance Northbridge Insurance SGI Canada South Western Group SUM Totten Insurance Group Travelers Canada Trinity Underwriting Managers Underwriting Solutions LP

Contractors, All U.S. Risks A.M. Fredericks Underwriting Approved Surety & Casualty Inc. Burns & Wilcox Canada Can-Sure Underwriting Ltd. CHES Special Risk Inc. Evolution Insurance Inc. GROUPASSUR Canada Ironshore Canada Liberty International South Western Group Totten Insurance Group Travelers Canada

Contractors, Blasting A.M. Fredericks Underwriting Approved Surety & Casualty Inc. April Canada Inc. Burns & Wilcox Canada Can-Sure Underwriting Ltd. CHES Special Risk Inc. Chutter Underwriting Services ENCON Group Inc. Evolution Insurance Inc. GROUPASSUR Canada GroupOne Insurance Services Ironshore Canada Markel South Western Group SUM Totten Insurance Group Trinity Underwriting Managers

Contractors, Demolition A.M. Fredericks Underwriting Approved Surety & Casualty Inc. April Canada Inc. Burns & Wilcox Canada Can-Sure Underwriting Ltd. CHES Special Risk Inc. Chutter Underwriting Services ENCON Group Inc. Evolution Insurance Inc. GROUPASSUR Canada GroupOne Insurance Services Ironshore Canada Markel South Western Group

SUM Totten Insurance Group Trinity Underwriting Managers Underwriting Solutions LP

Contractors, Landscapers A.M. Fredericks Underwriting Approved Surety & Casualty Inc. April Canada Inc. Aurora Underwriting Services Burns & Wilcox Canada Can-Sure Underwriting Ltd. CHES Special Risk Inc. Chutter Underwriting Services Coachman Insurance Company Echelon Insurance Economical Insurance ENCON Group Inc. Evolution Insurance Inc. GROUPASSUR Canada GroupOne Insurance Services Markel Milnco Insurance Northbridge Insurance SGI Canada South Western Group SUM Totten Insurance Group Travelers Canada Trinity Underwriting Managers Underwriting Solutions LP

Contractors, Remediation A.M. Fredericks Underwriting Approved Surety & Casualty Inc. April Canada Inc. Burns & Wilcox Canada Can-Sure Underwriting Ltd. CHES Special Risk Inc. ENCON Group Inc. Evolution Insurance Inc. GROUPASSUR Canada GroupOne Insurance Services Ironshore Canada Markel South Western Group SUM Totten Insurance Group Underwriting Solutions LP

Contractors, Roofing A.M. Fredericks Underwriting Approved Surety & Casualty Inc. April Canada Inc. Burns & Wilcox Canada Can-Sure Underwriting Ltd. CHES Special Risk Inc. Chutter Underwriting Services Economical Insurance Evolution Insurance Inc. GROUPASSUR Canada GroupOne Insurance Services SGI Canada South Western Group SUM Totten Insurance Group Underwriting Solutions LP

Contractors, Spraying A.M. Fredericks Underwriting Approved Surety & Casualty Inc. April Canada Inc. Burns & Wilcox Canada

Can-Sure Underwriting Ltd. CHES Special Risk Inc. Chutter Underwriting Services Echelon Insurance ENCON Group Inc. Evolution Insurance Inc. GROUPASSUR Canada GroupOne Insurance Services Markel Milnco Insurance South Western Group SUM Totten Insurance Group Trinity Underwriting Managers

Crane Rentals A.M. Fredericks Underwriting Approved Surety & Casualty Inc. April Canada Inc. Burns & Wilcox Canada Can-Sure Underwriting Ltd. CHES Special Risk Inc. Chutter Underwriting Services Coachman Insurance Company ENCON Group Inc. Evolution Insurance Inc. GROUPASSUR Canada Ironshore Canada Markel Northbridge Insurance SGI Canada South Western Group SUM Totten Insurance Group

Credit Unions A.M. Fredericks Underwriting Approved Surety & Casualty Inc. Burns & Wilcox Canada CHES Special Risk Inc. Coachman Insurance Company SGI Canada South Western Group SUM Travelers Canada

Dance Studio A.M. Fredericks Underwriting Approved Surety & Casualty Inc. April Canada Inc. Aurora Underwriting Services Burns & Wilcox Canada CHES Special Risk Inc. Coachman Insurance Company Echelon Insurance Economical Insurance ENCON Group Inc. GameDay Insurance Inc. GROUPASSUR Canada GroupOne Insurance Services K&K Canada Markel Northbridge Insurance SGI Canada South Western Group Sports & Fitness Insurance SUM Totten Insurance Group Underwriting Solutions LP

Day Nurseries A.M. Fredericks Underwriting Approved Surety & Casualty Inc.

CONTACT INFO: PP. 84-86

Burns & Wilcox Canada CHES Special Risk Inc. Coachman Insurance Company Ecclesiastical Insurance Economical Insurance ENCON Group Inc. GROUPASSUR Canada Markel Northbridge Insurance SGI Canada SUM

ENCON Group Inc. GROUPASSUR Canada GroupOne Insurance Services Ironshore Canada Markel Milnco Insurance South Western Group SUM Totten Insurance Group Trinity Underwriting Managers Underwriting Solutions LP

Demolition Derby

Equestrian

A.M. Fredericks Underwriting Approved Surety & Casualty Inc. CHES Special Risk Inc. South Western Group SUM Totten Insurance Group

Approved Surety & Casualty Inc. Burns & Wilcox Canada CHES Special Risk Inc. Echelon Insurance K&K Canada South Western Group

Direct Sales Agents

Equestrian, Group

A.M. Fredericks Underwriting Burns & Wilcox Canada ENCON Group Inc. SUM

Approved Surety & Casualty Inc. Burns & Wilcox Canada CHES Special Risk Inc. Echelon Insurance K&K Canada South Western Group

Drones A.M. Fredericks Underwriting Burns & Wilcox Canada CHES Special Risk Inc. Chutter Underwriting Services Eagle Underwriting Group Inc. Milnco Insurance Trinity Underwriting Managers

Employment Practices Liability A.M. Fredericks Underwriting Approved Surety & Casualty Inc. Burns & Wilcox Canada Can-Sure Underwriting Ltd. CHES Special Risk Inc. Eagle Underwriting Group Inc. ENCON Group Inc. Frank Cowan Company GROUPASSUR Canada Ironshore Canada Markel Milnco Insurance South Western Group SUM Totten Insurance Group Trinity Underwriting Managers Trisura

Entertainment A.M. Fredericks Underwriting Approved Surety & Casualty Inc. Burns & Wilcox Canada CHES Special Risk Inc. Echelon Insurance ENCON Group Inc. GROUPASSUR Canada Markel South Western Group SUM Totten Insurance Group Travelers Canada

Environmental Contractors A.M. Fredericks Underwriting Approved Surety & Casualty Inc. April Canada Inc. Burns & Wilcox Canada Can-Sure Underwriting Ltd. CHES Special Risk Inc.

Equestrian, Schools A.M. Fredericks Underwriting Approved Surety & Casualty Inc. Burns & Wilcox Canada CHES Special Risk Inc. Echelon Insurance K&K Canada South Western Group

Esthetics A.M. Fredericks Underwriting Approved Surety & Casualty Inc. April Canada Inc. Burns & Wilcox Canada Can-Sure Underwriting Ltd. CHES Special Risk Inc. Economical Insurance ENCON Group Inc. GROUPASSUR Canada Markel Milnco Insurance Northbridge Insurance SGI Canada South Western Group Sports & Fitness Insurance SUM Totten Insurance Group

Event Planners A.M. Fredericks Underwriting Approved Surety & Casualty Inc. April Canada Inc. Aurora Underwriting Services Burns & Wilcox Canada Can-Sure Underwriting Ltd. CHES Special Risk Inc. Economical Insurance ENCON Group Inc. GameDay Insurance Inc. GROUPASSUR Canada GroupOne Insurance Services K&K Canada Markel Northbridge Insurance South Western Group SUM

Totten Insurance Group Travelers Canada Trinity Underwriting Managers

SUM Totten Insurance Group

Excess Liability

A.M. Fredericks Underwriting Approved Surety & Casualty Inc. Aurora Underwriting Services Burns & Wilcox Canada Can-Sure Underwriting Ltd. CHES Special Risk Inc. ENCON Group Inc. GameDay Insurance Inc. GROUPASSUR Canada GroupOne Insurance Services K&K Canada Markel Northbridge Insurance South Western Group SUM Totten Insurance Group Travelers Canada

A.M. Fredericks Underwriting Approved Surety & Casualty Inc. April Canada Inc. Aurora Underwriting Services Burns & Wilcox Canada Can-Sure Underwriting Ltd. CHES Special Risk Inc. Chutter Underwriting Services Economical Insurance ENCON Group Inc. Evolution Insurance Inc. Frank Cowan Company GROUPASSUR Canada GroupOne Insurance Services Ironshore Canada Liberty International Markel Milnco Insurance Northbridge Insurance South Western Group SUM Totten Insurance Group Underwriting Solutions LP

Explosives & Powderman A.M. Fredericks Underwriting Approved Surety & Casualty Inc. Burns & Wilcox Canada CHES Special Risk Inc. Chutter Underwriting Services South Western Group SUM Totten Insurance Group

Farm A.M. Fredericks Underwriting Approved Surety & Casualty Inc. Aurora Underwriting Services Burns & Wilcox Canada Can-Sure Underwriting Ltd. CHES Special Risk Inc. Economical Insurance ENCON Group Inc. GroupOne Insurance Services Ironshore Canada Liberty International Milnco Insurance Northbridge Insurance South Western Group SUM Totten Insurance Group Underwriting Solutions LP

Feed Mills A.M. Fredericks Underwriting April Canada Inc. Burns & Wilcox Canada Can-Sure Underwriting Ltd. CHES Special Risk Inc. Economical Insurance ENCON Group Inc. Evolution Insurance Inc. GroupOne Insurance Services Ironshore Canada Liberty International Markel Northbridge Insurance South Western Group

Festivals

Fireworks Display A.M. Fredericks Underwriting Approved Surety & Casualty Inc. Burns & Wilcox Canada CHES Special Risk Inc. ENCON Group Inc. Markel South Western Group SUM Totten Insurance Group

Fish Farms A.M. Fredericks Underwriting Approved Surety & Casualty Inc. April Canada Inc. Burns & Wilcox Canada CHES Special Risk Inc. ENCON Group Inc. GroupOne Insurance Services Liberty International SGI Canada South Western Group SUM Totten Insurance Group Travelers Canada

Fitness Trainers A.M. Fredericks Underwriting Approved Surety & Casualty Inc. April Canada Inc. Aurora Underwriting Services Burns & Wilcox Canada CHES Special Risk Inc. ENCON Group Inc. GameDay Insurance Inc. GROUPASSUR Canada K&K Canada Markel MedThree Insurance Group South Western Group Sports & Fitness Insurance SUM Totten Insurance Group Trinity Underwriting Managers

Garage Dealers A.M. Fredericks Underwriting Approved Surety & Casualty Inc. Burns & Wilcox Canada CHES Special Risk Inc. Chutter Underwriting Services Coachman Insurance Company August 2018 Canadian Underwriter 57

2018 National Insurance Marketer Economical Insurance ENCON Group Inc. GROUPASSUR Canada GroupOne Insurance Services Markel Milnco Insurance Northbridge Insurance SGI Canada South Western Group SUM Totten Insurance Group Travelers Canada

Garbage Collection A.M. Fredericks Underwriting Approved Surety & Casualty Inc. Aurora Underwriting Services Burns & Wilcox Canada Can-Sure Underwriting Ltd. CHES Special Risk Inc. Chutter Underwriting Services ENCON Group Inc. GROUPASSUR Canada GroupOne Insurance Services Markel Milnco Insurance Northbridge Insurance South Western Group SUM Totten Insurance Group Underwriting Solutions LP

Golf Courses A.M. Fredericks Underwriting Burns & Wilcox Canada CHES Special Risk Inc. Chutter Underwriting Services Coachman Insurance Company Echelon Insurance Economical Insurance ENCON Group Inc. GameDay Insurance Inc. GroupOne Insurance Services K&K Canada Markel Northbridge Insurance SGI Canada South Western Group SUM Travelers Canada

Group Term Life A.M. Fredericks Underwriting Approved Surety & Casualty Inc. Burns & Wilcox Canada CHES Special Risk Inc.

Hangar Keepers A.M. Fredericks Underwriting Approved Surety & Casualty Inc. Aurora Underwriting Services Burns & Wilcox Canada CHES Special Risk Inc. GroupOne Insurance Services Ironshore Canada South Western Group SUM Totten Insurance Group

Health Clubs/Fitness Centres A.M. Fredericks Underwriting Approved Surety & Casualty Inc. April Canada Inc. Aurora Underwriting Services 58

Canadian Underwriter August 2018

Burns & Wilcox Canada Can-Sure Underwriting Ltd. CHES Special Risk Inc. Chutter Underwriting Services ENCON Group Inc. GameDay Insurance Inc. GROUPASSUR Canada K&K Canada Markel MedThree Insurance Group Northbridge Insurance South Western Group Sports & Fitness Insurance SUM Totten Insurance Group

Hoisting Engineers A.M. Fredericks Underwriting Approved Surety & Casualty Inc. April Canada Inc. Burns & Wilcox Canada Can-Sure Underwriting Ltd. CHES Special Risk Inc. ENCON Group Inc. Ironshore Canada Liberty International South Western Group SUM Totten Insurance Group

CHES Special Risk Inc. Chutter Underwriting Services Economical Insurance ENCON Group Inc. Evolution Insurance Inc. GROUPASSUR Canada GroupOne Insurance Services Ironshore Canada Liberty International Markel Milnco Insurance Northbridge Insurance SGI Canada South Western Group SUM Totten Insurance Group Travelers Canada Trinity Underwriting Managers Underwriting Solutions LP

Intellectual Property A.M. Fredericks Underwriting Approved Surety & Casualty Inc. Burns & Wilcox Canada CHES Special Risk Inc. ENCON Group Inc. Liberty International South Western Group SUM

Home Employed

Internet

A.M. Fredericks Underwriting Approved Surety & Casualty Inc. April Canada Inc. Burns & Wilcox Canada CHES Special Risk Inc. ENCON Group Inc. Northbridge Insurance Totten Insurance Group

A.M. Fredericks Underwriting Approved Surety & Casualty Inc. Burns & Wilcox Canada Can-Sure Underwriting Ltd. ENCON Group Inc. GROUPASSUR Canada Liberty International Markel South Western Group SUM Totten Insurance Group Travelers Canada Trinity Underwriting Managers

Hospital A.M. Fredericks Underwriting Approved Surety & Casualty Inc. Burns & Wilcox Canada CHES Special Risk Inc. ENCON Group Inc. Frank Cowan Company MedThree Insurance Group South Western Group SUM

Host Liquor A.M. Fredericks Underwriting Approved Surety & Casualty Inc. April Canada Inc. Burns & Wilcox Canada Can-Sure Underwriting Ltd. CHES Special Risk Inc. Chutter Underwriting Services GroupOne Insurance Services Liberty International Milnco Insurance South Western Group SUM Totten Insurance Group Travelers Canada

Industrial Electricians A.M. Fredericks Underwriting Approved Surety & Casualty Inc. April Canada Inc. Aurora Underwriting Services Burns & Wilcox Canada Can-Sure Underwriting Ltd.

Kennels A.M. Fredericks Underwriting Approved Surety & Casualty Inc. April Canada Inc. Aurora Underwriting Services Burns & Wilcox Canada Can-Sure Underwriting Ltd. CHES Special Risk Inc. Echelon Insurance Economical Insurance ENCON Group Inc. Markel Northbridge Insurance SGI Canada South Western Group SUM Totten Insurance Group

Landfill Transfer Stations A.M. Fredericks Underwriting Approved Surety & Casualty Inc. April Canada Inc. Aurora Underwriting Services Burns & Wilcox Canada Can-Sure Underwriting Ltd. CHES Special Risk Inc. Chutter Underwriting Services ENCON Group Inc.

Frank Cowan Company GroupOne Insurance Services Liberty International Markel South Western Group SUM Totten Insurance Group Underwriting Solutions LP

Laser Treatments A.M. Fredericks Underwriting Approved Surety & Casualty Inc. April Canada Inc. Burns & Wilcox Canada Can-Sure Underwriting Ltd. CHES Special Risk Inc. GROUPASSUR Canada Markel South Western Group Sports & Fitness Insurance SUM Totten Insurance Group

Liquor, Bars & Clubs A.M. Fredericks Underwriting Approved Surety & Casualty Inc. April Canada Inc. Burns & Wilcox Canada Can-Sure Underwriting Ltd. CHES Special Risk Inc. Chutter Underwriting Services GroupOne Insurance Services South Western Group Totten Insurance Group

Liquor, Retail Sales A.M. Fredericks Underwriting Approved Surety & Casualty Inc. April Canada Inc. Burns & Wilcox Canada Can-Sure Underwriting Ltd. CHES Special Risk Inc. Chutter Underwriting Services Coachman Insurance Company GroupOne Insurance Services Liberty International Markel Milnco Insurance Northbridge Insurance SGI Canada South Western Group SUM Totten Insurance Group Travelers Canada Underwriting Solutions LP

Log Home Builders A.M. Fredericks Underwriting Approved Surety & Casualty Inc. April Canada Inc. Burns & Wilcox Canada Can-Sure Underwriting Ltd. CHES Special Risk Inc. Chutter Underwriting Services Economical Insurance ENCON Group Inc. GroupOne Insurance Services Markel Northbridge Insurance South Western Group SUM Totten Insurance Group

Spotlight On | Kidnap and Ransom

K

idnap and ransom (K&R) insurance is definitely one type of coverage you don’t want to have to use. Brokers placing the coverage should keep a few things in mind.

The most important is to consider the negotiators contained in the policy, says Gary Hirst, president and CEO of managing general agent CHES Special Risk Inc. “Every policy needs to come with a good quality negotiation team.

Not all K&R policies come with that, so the brokers need to be aware of that.

Usually, some sort of special forces experience is important because a lot of psychological issues arise when dealing with kidnappers.”

Next, brokers should look at extensions under the policy. “For example, newly born children, are they automatically covered?” says Hirst. “In some policies, they’re not. Obviously, you need to make sure the entire family is covered because [kidnappers] don’t al-

ways kidnap the business person, they’ll try and kidnap a child.”

Other extensions include post-traumatic stress disorder and other psychological conditions, plastic surgery (for maiming or disfigurement) and coverage for travel. “The broker needs to be aware of where the client is travelling and advise the insurance companies accordingly,” Hirst says. “Because buying a kidnap and ransom policy for going to Newfoundland is going to be a lot cheaper than going into the jungle of Colombia looking for oil.”

A K&R policy indemnifies the policyholder, meaning that policyholders must pay a ransom first before getting indemnity back from the insurance.

“You’re not able to just get the insurance company to pay the kidnappers whatever it is that they’re demanding,” Hirst says. “The family actually has to pay the money to the kidnapper and then they get indemnity back afterwards.”

It’s also important to note the insurer will require the policyholder to prove their net worth. “You can’t just turn around and say, ‘I’m worth $5 million,’ or ‘I want to buy a K&R policy for $5 million,’” Hirst says. “The insurance companies will look at your net value or net worth and work out with you the limits of indemnity.”

Quick Facts Since 2001, 30 Canadian nationals have been kidnapped and held for ransom by terrorist groups while travelling or working abroad.

August 2018 Canadian Underwriter 59

2018 National Insurance Marketer Travelers Canada Underwriting Solutions LP

Logging A.M. Fredericks Underwriting Approved Surety & Casualty Inc. April Canada Inc. Burns & Wilcox Canada Can-Sure Underwriting Ltd. CHES Special Risk Inc. Chutter Underwriting Services Economical Insurance ENCON Group Inc. Evolution Insurance Inc. GroupOne Insurance Services Liberty International Markel Milnco Insurance Northbridge Insurance South Western Group SUM Totten Insurance Group

Long Term Healthcare Facilities A.M. Fredericks Underwriting Approved Surety & Casualty Inc. April Canada Inc. Aurora Underwriting Services Burns & Wilcox Canada Can-Sure Underwriting Ltd. CHES Special Risk Inc. Economical Insurance ENCON Group Inc. Frank Cowan Company GROUPASSUR Canada The Guarantee MedThree Insurance Group Northbridge Insurance South Western Group SUM Trinity Underwriting Managers

Manufacturing, Hazardous Materials A.M. Fredericks Underwriting Approved Surety & Casualty Inc. April Canada Inc. Burns & Wilcox Canada Can-Sure Underwriting Ltd. CHES Special Risk Inc. Chutter Underwriting Services ENCON Group Inc. Evolution Insurance Inc. GROUPASSUR Canada GroupOne Insurance Services Ironshore Canada Liberty International Markel South Western Group SUM Totten Insurance Group Trinity Underwriting Managers

Marine A.M. Fredericks Underwriting Approved Surety & Casualty Inc. April Canada Inc. Burns & Wilcox Canada CHES Special Risk Inc. Eagle Underwriting Group Inc. ENCON Group Inc. GroupOne Insurance Services Ironshore Canada 60

Canadian Underwriter August 2018

Liberty International Northbridge Insurance South Western Group SUM Travelers Canada

Martial Arts Studio A.M. Fredericks Underwriting Approved Surety & Casualty Inc. April Canada Inc. Burns & Wilcox Canada CHES Special Risk Inc. Chutter Underwriting Services ENCON Group Inc. Evolution Insurance Inc. GameDay Insurance Inc. GROUPASSUR Canada GroupOne Insurance Services K&K Canada Markel Northbridge Insurance South Western Group Sports & Fitness Insurance SUM Totten Insurance Group

Massage A.M. Fredericks Underwriting Approved Surety & Casualty Inc. April Canada Inc. Burns & Wilcox Canada Can-Sure Underwriting Ltd. CHES Special Risk Inc. Coachman Insurance Company ENCON Group Inc. GROUPASSUR Canada GroupOne Insurance Services Markel MedThree Insurance Group Northbridge Insurance SGI Canada South Western Group Sports & Fitness Insurance SUM Totten Insurance Group Trinity Underwriting Managers

Mining A.M. Fredericks Underwriting Approved Surety & Casualty Inc. April Canada Inc. Burns & Wilcox Canada Can-Sure Underwriting Ltd. CHES Special Risk Inc. Chutter Underwriting Services ENCON Group Inc. Evolution Insurance Inc. GroupOne Insurance Services Ironshore Canada Liberty International South Western Group SUM Totten Insurance Group

Motor Truck Cargo A.M. Fredericks Underwriting Approved Surety & Casualty Inc. April Canada Inc. Aurora Underwriting Services Burns & Wilcox Canada Can-Sure Underwriting Ltd. CHES Special Risk Inc. Coachman Insurance Company

Eagle Underwriting Group Inc. Economical Insurance GroupOne Insurance Services Ironshore Canada Liberty International Markel Northbridge Insurance SGI Canada South Western Group SUM Totten Insurance Group Travelers Canada

GroupOne Insurance Services Markel Milnco Insurance Northbridge Insurance SGI Canada South Western Group Sports & Fitness Insurance SUM Totten Insurance Group Trinity Underwriting Managers Underwriting Solutions LP

Motorsports

A.M. Fredericks Underwriting Approved Surety & Casualty Inc. April Canada Inc. Aurora Underwriting Services Burns & Wilcox Canada CHES Special Risk Inc. Chutter Underwriting Services Echelon Insurance ENCON Group Inc. GameDay Insurance Inc. GROUPASSUR Canada GroupOne Insurance Services K&K Canada Markel Northbridge Insurance South Western Group SUM Trinity Underwriting Managers

Burns & Wilcox Canada K&K Canada

Municipality A.M. Fredericks Underwriting Approved Surety & Casualty Inc. Burns & Wilcox Canada Can-Sure Underwriting Ltd. CHES Special Risk Inc. Frank Cowan Company The Guarantee Ironshore Canada Markel SGI Canada South Western Group SUM Travelers Canada

Municipality, Small A.M. Fredericks Underwriting Approved Surety & Casualty Inc. April Canada Inc. Burns & Wilcox Canada CHES Special Risk Inc. ENCON Group Inc. Frank Cowan Company The Guarantee Ironshore Canada Markel South Western Group SUM Travelers Canada

Music Promoters A.M. Fredericks Underwriting Approved Surety & Casualty Inc. Burns & Wilcox Canada CHES Special Risk Inc. Echelon Insurance ENCON Group Inc. GROUPASSUR Canada Markel South Western Group SUM Totten Insurance Group Travelers Canada Trinity Underwriting Managers

Nail Salons A.M. Fredericks Underwriting Approved Surety & Casualty Inc. April Canada Inc. Aurora Underwriting Services Burns & Wilcox Canada Can-Sure Underwriting Ltd. CHES Special Risk Inc. Coachman Insurance Company Economical Insurance ENCON Group Inc. GROUPASSUR Canada

Outfitters & Guides

Owner Occupied Dwellings A.M. Fredericks Underwriting Approved Surety & Casualty Inc. April Canada Inc. Burns & Wilcox Canada Can-Sure Underwriting Ltd. CHES Special Risk Inc. Echelon Insurance Economical Insurance ENCON Group Inc. GroupOne Insurance Services Liberty International Milnco Insurance South Western Group SUM Totten Insurance Group Travelers Canada Underwriting Solutions LP

Oxygen Bars A.M. Fredericks Underwriting Approved Surety & Casualty Inc. April Canada Inc. Burns & Wilcox Canada CHES Special Risk Inc. ENCON Group Inc. GROUPASSUR Canada GroupOne Insurance Services Markel MedThree Insurance Group South Western Group Sports & Fitness Insurance SUM

Permanent Make-Up A.M. Fredericks Underwriting April Canada Inc. Burns & Wilcox Canada CHES Special Risk Inc. GROUPASSUR Canada South Western Group

CONTACT INFO: PP. 84-86

Sports & Fitness Insurance SUM Underwriting Solutions LP

Personal Training Studios A.M. Fredericks Underwriting Approved Surety & Casualty Inc. April Canada Inc. Aurora Underwriting Services Burns & Wilcox Canada CHES Special Risk Inc. Economical Insurance ENCON Group Inc. GameDay Insurance Inc. GROUPASSUR Canada GroupOne Insurance Services K&K Canada Markel Northbridge Insurance South Western Group Sports & Fitness Insurance SUM Totten Insurance Group Trinity Underwriting Managers

Producer/Distributor Entertainment) A.M. Fredericks Underwriting Approved Surety & Casualty Inc. Burns & Wilcox Canada CHES Special Risk Inc. ENCON Group Inc. GROUPASSUR Canada GroupOne Insurance Services Markel South Western Group SUM Travelers Canada

Product Runoff Approved Surety & Casualty Inc. Burns & Wilcox Canada CHES Special Risk Inc. ENCON Group Inc. Evolution Insurance Inc. Ironshore Canada Liberty International South Western Group SUM

Protective Services A.M. Fredericks Underwriting Approved Surety & Casualty Inc. Burns & Wilcox Canada Can-Sure Underwriting Ltd. CHES Special Risk Inc. Chutter Underwriting Services Evolution Insurance Inc. GroupOne Insurance Services Liberty International Markel South Western Group SUM Totten Insurance Group

Radio & Television

Scrap/Wrecking Yards

A.M. Fredericks Underwriting Approved Surety & Casualty Inc. April Canada Inc. Burns & Wilcox Canada CHES Special Risk Inc. Coachman Insurance Company ENCON Group Inc. GroupOne Insurance Services Markel SGI Canada South Western Group SUM

A.M. Fredericks Underwriting Approved Surety & Casualty Inc. April Canada Inc. Burns & Wilcox Canada Can-Sure Underwriting Ltd. CHES Special Risk Inc. Chutter Underwriting Services ENCON Group Inc. GROUPASSUR Canada GroupOne Insurance Services Liberty International Markel Milnco Insurance Northbridge Insurance South Western Group SUM Totten Insurance Group

Railways & Rail Operations Approved Surety & Casualty Inc. Burns & Wilcox Canada Can-Sure Underwriting Ltd. CHES Special Risk Inc. Chutter Underwriting Services Eagle Underwriting Group Inc. ENCON Group Inc. Evolution Insurance Inc. Ironshore Canada Milnco Insurance South Western Group SUM

Recycling Centres A.M. Fredericks Underwriting Approved Surety & Casualty Inc. April Canada Inc. Aurora Underwriting Services Burns & Wilcox Canada Can-Sure Underwriting Ltd. CHES Special Risk Inc. Chutter Underwriting Services ENCON Group Inc. GROUPASSUR Canada GroupOne Insurance Services Liberty International Markel Milnco Insurance Northbridge Insurance South Western Group SUM Totten Insurance Group

Recylers A.M. Fredericks Underwriting Burns & Wilcox Canada Chutter Underwriting Services ENCON Group Inc. Liberty International Milnco Insurance

Riding Academies/Stables Approved Surety & Casualty Inc. Burns & Wilcox Canada CHES Special Risk Inc. Echelon Insurance K&K Canada South Western Group SUM Totten Insurance Group

Racing Events

Rodeos

Approved Surety & Casualty Inc. Burns & Wilcox Canada CHES Special Risk Inc. K&K Canada Markel South Western Group SUM

Approved Surety & Casualty Inc. Burns & Wilcox Canada CHES Special Risk Inc. ENCON Group Inc. GROUPASSUR Canada South Western Group SUM

Seasonal Risks (Ski Lifts, Water Slides, Skating, Etc.) A.M. Fredericks Underwriting Approved Surety & Casualty Inc. Burns & Wilcox Canada Can-Sure Underwriting Ltd. CHES Special Risk Inc. Echelon Insurance GameDay Insurance Inc. GROUPASSUR Canada GroupOne Insurance Services Markel South Western Group SUM Totten Insurance Group

Ship Repair A.M. Fredericks Underwriting Approved Surety & Casualty Inc. April Canada Inc. Burns & Wilcox Canada CHES Special Risk Inc. Eagle Underwriting Group Inc. ENCON Group Inc. GroupOne Insurance Services Northbridge Insurance South Western Group SUM

Short Term Events (Sporting Events, Trade Shows) A.M. Fredericks Underwriting Approved Surety & Casualty Inc. Burns & Wilcox Canada CHES Special Risk Inc. Echelon Insurance ENCON Group Inc. Evolution Insurance Inc. GameDay Insurance Inc. GROUPASSUR Canada GroupOne Insurance Services K&K Canada Markel South Western Group Sports & Fitness Insurance Canada SUM Totten Insurance Group

Small Commercial A.M. Fredericks Underwriting Approved Surety & Casualty Inc. April Canada Inc. Aurora Underwriting Services

Burns & Wilcox Canada Can-Sure Underwriting Ltd. CHES Special Risk Inc. Coachman Insurance Company Echelon Insurance Economical Insurance ENCON Group Inc. Evolution Insurance Inc. GROUPASSUR Canada GroupOne Insurance Services Liberty International Markel Milnco Insurance Northbridge Insurance SGI Canada South Western Group SUM Totten Insurance Group Travelers Canada Trinity Underwriting Managers Underwriting Solutions LP

Spas A.M. Fredericks Underwriting Approved Surety & Casualty Inc. April Canada Inc. Aurora Underwriting Services Burns & Wilcox Canada Can-Sure Underwriting Ltd. CHES Special Risk Inc. Economical Insurance Evolution Insurance Inc. GROUPASSUR Canada GroupOne Insurance Services Markel MedThree Insurance Group Northbridge Insurance South Western Group Sports & Fitness Insurance SUM Totten Insurance Group Trinity Underwriting Managers Underwriting Solutions LP

Special Events A.M. Fredericks Underwriting Approved Surety & Casualty Inc. Aurora Underwriting Services Burns & Wilcox Canada CHES Special Risk Inc. ENCON Group Inc. GameDay Insurance Inc. GROUPASSUR Canada GroupOne Insurance Services K&K Canada Markel South Western Group Sports & Fitness Insurance SUM Totten Insurance Group Travelers Canada Trinity Underwriting Managers

Spectator Liability A.M. Fredericks Underwriting Approved Surety & Casualty Inc. Burns & Wilcox Canada CHES Special Risk Inc. ENCON Group Inc. GROUPASSUR Canada K&K Canada Markel South Western Group August 2018 Canadian Underwriter 61

2018 National Insurance Marketer SUM Totten Insurance Group

Sports Facilities & Arenas A.M. Fredericks Underwriting Burns & Wilcox Canada ENCON Group Inc. GameDay Insurance Inc. GROUPASSUR Canada K&K Canada Markel SUM

Stand Alone Cyber Liability Approved Surety & Casualty Inc. April Canada Inc. Aurora Underwriting Services Burns & Wilcox Canada CHES Special Risk Inc. Eagle Underwriting Group Inc. ENCON Group Inc. GROUPASSUR Canada Ironshore Canada Liberty International Markel MedThree Insurance Group Milnco Insurance SUM Totten Insurance Group Trinity Underwriting Managers

Suntanning Salons A.M. Fredericks Underwriting Approved Surety & Casualty Inc. April Canada Inc. Burns & Wilcox Canada CHES Special Risk Inc. Markel MedThree Insurance Group South Western Group Sports & Fitness Insurance SUM Totten Insurance Group Trinity Underwriting Managers

Tattoo & Body Piercing A.M. Fredericks Underwriting April Canada Inc. Burns & Wilcox Canada CHES Special Risk Inc. GROUPASSUR Canada Markel MedThree Insurance Group South Western Group SUM Totten Insurance Group Underwriting Solutions LP

Tenant User Programs A.M. Fredericks Underwriting Burns & Wilcox Canada GameDay Insurance Inc. Liberty International SUM Totten Insurance Group

Terrorism A.M. Fredericks Underwriting Approved Surety & Casualty Inc. April Canada Inc. Burns & Wilcox Canada CHES Special Risk Inc. Eagle Underwriting Group Inc. Ironshore Canada Liberty International 62

Canadian Underwriter August 2018

Markel South Western Group Totten Insurance Group

Theatre A.M. Fredericks Underwriting Approved Surety & Casualty Inc. April Canada Inc. Burns & Wilcox Canada CHES Special Risk Inc. Ecclesiastical Insurance GROUPASSUR Canada K&K Canada Liberty International Markel South Western Group SUM Travelers Canada

Truckmen’s Liability A.M. Fredericks Underwriting Approved Surety & Casualty Inc. April Canada Inc. Aurora Underwriting Services Burns & Wilcox Canada Can-Sure Underwriting Ltd. CHES Special Risk Inc. Chutter Underwriting Services Coachman Insurance Company Eagle Underwriting Group Inc. Economical Insurance ENCON Group Inc. Ironshore Canada Liberty International Milnco Insurance Northbridge Insurance SGI Canada South Western Group SUM Totten Insurance Group Travelers Canada

U.S. Sales A.M. Fredericks Underwriting Approved Surety & Casualty Inc. April Canada Inc. Aurora Underwriting Services Burns & Wilcox Canada Can-Sure Underwriting Ltd. CHES Special Risk Inc. Chutter Underwriting Services Economical Insurance ENCON Group Inc. Evolution Insurance Inc. GROUPASSUR Canada GroupOne Insurance Services Ironshore Canada Liberty International Markel Milnco Insurance Northbridge Insurance South Western Group SUM Totten Insurance Group Travelers Canada Trinity Underwriting Managers Underwriting Solutions LP

Unions A.M. Fredericks Underwriting Approved Surety & Casualty Inc. Aurora Underwriting Services Burns & Wilcox Canada

CHES Special Risk Inc. ENCON Group Inc. Markel SUM Trinity Underwriting Managers

Veterinarians A.M. Fredericks Underwriting Approved Surety & Casualty Inc. April Canada Inc. Burns & Wilcox Canada CHES Special Risk Inc. Coachman Insurance Company Echelon Insurance Economical Insurance ENCON Group Inc. GROUPASSUR Canada MedThree Insurance Group Northbridge Insurance SGI Canada South Western Group SUM Totten Insurance Group

War Risks Approved Surety & Casualty Inc. Burns & Wilcox Canada CHES Special Risk Inc. Eagle Underwriting Group Inc. South Western Group

Warehouseman A.M. Fredericks Underwriting Approved Surety & Casualty Inc. April Canada Inc. Burns & Wilcox Canada Can-Sure Underwriting Ltd. CHES Special Risk Inc. Coachman Insurance Company Eagle Underwriting Group Inc. GROUPASSUR Canada Ironshore Canada Markel Milnco Insurance Northbridge Insurance SGI Canada South Western Group SUM Totten Insurance Group Travelers Canada

Water Theme Parks A.M. Fredericks Underwriting Approved Surety & Casualty Inc. Burns & Wilcox Canada CHES Special Risk Inc. GroupOne Insurance Services Markel South Western Group SUM Totten Insurance Group

Wave Pools A.M. Fredericks Underwriting Approved Surety & Casualty Inc. Burns & Wilcox Canada CHES Special Risk Inc. GroupOne Insurance Services Markel South Western Group SUM

Weddings A.M. Fredericks Underwriting Aurora Underwriting Services

Burns & Wilcox Canada Trinity Underwriting Managers

Welding Contractors A.M. Fredericks Underwriting Approved Surety & Casualty Inc. April Canada Inc. Aurora Underwriting Services Burns & Wilcox Canada Can-Sure Underwriting Ltd. CHES Special Risk Inc. Chutter Underwriting Services Coachman Insurance Company Economical Insurance ENCON Group Inc. Evolution Insurance Inc. GROUPASSUR Canada GroupOne Insurance Services Ironshore Canada Liberty International Markel Milnco Insurance Northbridge Insurance SGI Canada South Western Group SUM Totten Insurance Group Trinity Underwriting Managers

Wellness Clinics A.M. Fredericks Underwriting April Canada Inc. Aurora Underwriting Services Burns & Wilcox Canada Economical Insurance GROUPASSUR Canada Markel Sports & Fitness Insurance SUM Trinity Underwriting Managers

Workers’ Compensation Burns & Wilcox Canada CHES Special Risk Inc. Liberty International South Western Group

Wrap Up A.M. Fredericks Underwriting Approved Surety & Casualty Inc. April Canada Inc. Aurora Underwriting Services Burns & Wilcox Canada Can-Sure Underwriting Ltd. CHES Special Risk Inc. Chutter Underwriting Services Coachman Insurance Company Economical Insurance ENCON Group Inc. Evolution Insurance Inc. GROUPASSUR Canada GroupOne Insurance Services Ironshore Canada Liberty International Milnco Insurance Northbridge Insurance SGI Canada South Western Group SUM Totten Insurance Group Travelers Canada Underwriting Solutions LP

Spotlight On | Marine

B

rokers interested in selling marine insurance should target coverholders and managing general agents (MGAs) in Canada rather than going straight to the London market, advises Capt. John Hosty, national director of marine services at ClaimsPro. “There are a lot of MGAs and coverholders in Canada, and if brokers are selling marine, that’s where they should be selling. If you try to go straight to the London market, you’re probably going to get rebuffed, even by London brokers.”

Canada is currently a very attractive marketplace for Lloyd’s. “I think the attraction is that the risks are better managed in Canada than they are in the United States,” Hosty says.

Insurance risk management in the marine business is generally based on an actuarial approach, as opposed to a scientific approach. “So if the losses exceed a certain value, [carriers] pull out of that market, at least for a while,” Hosty explains.

Specifically, certain underwriters and their MGAs have reportedly pulled out of the pleasure craft business “because they took such a heavy hit down in the Caribbean last year,” Hosty reports.

Hurricanes Harvey, Maria and Irma all tracked through the Caribbean before hitting the United States in 2017, ultimately causing estimated total insured damage losses of roughly $US85 billion.

Other insurers have pulled out of the cargo market because they sustained heavy losses on container ships, including due to container ship fines. “I’m sure they’ll re-enter the market eventually,” Hosty predicts.

Hosty is aware of other London-based underwriters, syndicates and insurers “that are moving towards cancelling, or certainly they are no longer issuing policies and they’re not renewing.” At the same time, he adds, at least two syndicates, and maybe three, “are putting out the feelers in Canada. Of those, two for sure will be doing something in 2019.”

Two trends in the market include: • Fewer small-value claims, since a lot of claims are going in-house with insurers. “I think that’s significant, especially for the small players in the game,” says Hosty.

• A decline in project cargo placement, as players in the liquefied natural gas market are stepping away from major projects in western Canada.

Quick Facts Net premiums written in marine insurance in Saskatchewan nearly tripled to $6.04 million in 2017, from $2.18 million in 2016.

August 2018 Canadian Underwriter 63

2018 National Insurance Marketer Youth Camps Burns & Wilcox Canada GameDay Insurance Inc. K&K Canada Markel SUM

GROUP

Accident Death & Dismemberment Burns & Wilcox Canada CHES Special Risk Inc. ENCON Group Inc. Frank Cowan Company Sutton Special Risk

Automobile Economical Insurance Travelers Canada

Business Travel Accident Burns & Wilcox Canada CHES Special Risk Inc. Sutton Special Risk

Commercial A.M. Fredericks Underwriting April Canada Inc. Burns & Wilcox Canada CHES Special Risk Inc. Economical Insurance Evolution Insurance Inc. GROUPASSUR Canada Milnco Insurance Northbridge Insurance Totten Insurance Group

Critical Illness Burns & Wilcox Canada CHES Special Risk Inc. ENCON Group Inc. Frank Cowan Company Sutton Special Risk

Dental Burns & Wilcox Canada CHES Special Risk Inc. ENCON Group Inc. Sutton Special Risk

Direct Marketing Burns & Wilcox Canada CHES Special Risk Inc. Sutton Special Risk

Disability Burns & Wilcox Canada CHES Special Risk Inc. ENCON Group Inc. Sutton Special Risk

Errors & Omissions A.M. Fredericks Underwriting April Canada Inc. Aurora Underwriting Services Burns & Wilcox Canada Can-Sure Underwriting Ltd. CHES Special Risk Inc. ENCON Group Inc. GROUPASSUR Canada Ironshore Canada Markel SUM 64

Canadian Underwriter August 2018

Totten Insurance Group Trisura

Expatriate Burns & Wilcox Canada CHES Special Risk Inc. Sutton Special Risk

Personal Excess Liability

Driving Ranges

Burns & Wilcox Canada CHES Special Risk Inc. Economical Insurance Totten Insurance Group

A.M. Fredericks Underwriting Agile Underwriting Solutions April Canada Inc. Burns & Wilcox Canada CHES Special Risk Inc. Coachman Insurance Company ENCON Group Inc. K&K Canada Markel SGI Canada South Western Group SUM Totten Insurance Group

Private School Tuition Fee

General Contractors

Burns & Wilcox Canada

A.M. Fredericks Underwriting Burns & Wilcox Canada CHES Special Risk Inc. ENCON Group Inc. Evolution Insurance Inc. GROUPASSUR Canada Markel Milnco Insurance

Stop-Loss (Health Benefits)

Group Creditor Burns & Wilcox Canada Echelon Insurance

Health Burns & Wilcox Canada CHES Special Risk Inc. ENCON Group Inc. Sutton Special Risk

Homeowners A.M. Fredericks Underwriting Burns & Wilcox Canada CHES Special Risk Inc. Economical Insurance Milnco Insurance Totten Insurance Group Travelers Canada

Kidnap and Ransom April Canada Inc. Aurora Underwriting Services Burns & Wilcox Canada Ironshore Canada Sutton Special Risk Totten Insurance Group

Legal Benefits Burns & Wilcox Canada CHES Special Risk Inc. DAS Legal Protection Inc.

Liability A.M. Fredericks Underwriting April Canada Inc. Burns & Wilcox Canada CHES Special Risk Inc. ENCON Group Inc. GROUPASSUR Canada Markel Milnco Insurance Totten Insurance Group

Life Burns & Wilcox Canada CHES Special Risk Inc. ENCON Group Inc. Sutton Special Risk

Living Benefits Burns & Wilcox Canada CHES Special Risk Inc. Sutton Special Risk

Multinational Benefits Burns & Wilcox Canada CHES Special Risk Inc. Sutton Special Risk

Burns & Wilcox Canada CHES Special Risk Inc. Sutton Special Risk

Travel Insurance Burns & Wilcox Canada CHES Special Risk Inc. ENCON Group Inc. Sutton Special Risk

Visitors to Canada Medical Burns & Wilcox Canada CHES Special Risk Inc. ENCON Group Inc. Sutton Special Risk

Workers Compensation Replacement Burns & Wilcox Canada CHES Special Risk Inc. Sutton Special Risk

HOSPITALITY

Adult Entertainment, Nightclubs A.M. Fredericks Underwriting Agile Underwriting Solutions Burns & Wilcox Canada Can-Sure Underwriting Ltd. South Western Group Totten Insurance Group

Bars, Sportsbars, Pubs, Lounges A.M. Fredericks Underwriting Agile Underwriting Solutions April Canada Inc. Burns & Wilcox Canada Can-Sure Underwriting Ltd. CHES Special Risk Inc. Chutter Underwriting Services GroupOne Insurance Services South Western Group Totten Insurance Group

Bed & Breakfasts A.M. Fredericks Underwriting Agile Underwriting Solutions Aurora Underwriting Services Burns & Wilcox Canada Can-Sure Underwriting Ltd. CHES Special Risk Inc. Chutter Underwriting Services Economical Insurance ENCON Group Inc. Evolution Insurance Inc. GROUPASSUR Canada GroupOne Insurance Services Markel Milnco Insurance Northbridge Insurance Totten Insurance Group Travelers Canada Underwriting Solutions LP

Errors & Omissions A.M. Fredericks Underwriting Agile Underwriting Solutions April Canada Inc. Burns & Wilcox Canada Can-Sure Underwriting Ltd. CHES Special Risk Inc. Ironshore Canada SUM Trisura

Family Restaurants A.M. Fredericks Underwriting Agile Underwriting Solutions April Canada Inc. Aurora Underwriting Services Burns & Wilcox Canada Can-Sure Underwriting Ltd. CHES Special Risk Inc. Chutter Underwriting Services Coachman Insurance Company Economical Insurance ENCON Group Inc. Evolution Insurance Inc. GROUPASSUR Canada GroupOne Insurance Services Liberty International Markel Milnco Insurance Northbridge Insurance SGI Canada South Western Group SUM Totten Insurance Group Travelers Canada Underwriting Solutions LP

Fine Dining Restaurants A.M. Fredericks Underwriting Agile Underwriting Solutions April Canada Inc. Aurora Underwriting Services Burns & Wilcox Canada Can-Sure Underwriting Ltd. CHES Special Risk Inc. Chutter Underwriting Services Coachman Insurance Company Economical Insurance ENCON Group Inc. Evolution Insurance Inc. GroupOne Insurance Services Liberty International Markel Milnco Insurance

CONTACT INFO: PP. 84-86

Northbridge Insurance SGI Canada South Western Group SUM Totten Insurance Group Travelers Canada

Foodborne Illness A.M. Fredericks Underwriting April Canada Inc. Burns & Wilcox Canada CHES Special Risk Inc. Markel SUM Totten Insurance Group

Golf Courses A.M. Fredericks Underwriting Agile Underwriting Solutions Burns & Wilcox Canada Chutter Underwriting Services Coachman Insurance Company ENCON Group Inc. K&K Canada Markel Northbridge Insurance SGI Canada SUM Travelers Canada

Homestays A.M. Fredericks Underwriting Agile Underwriting Solutions Burns & Wilcox Canada Can-Sure Underwriting Ltd. CHES Special Risk Inc. ENCON Group Inc.

Hotel/Motel A.M. Fredericks Underwriting Agile Underwriting Solutions April Canada Inc. Aurora Underwriting Services Burns & Wilcox Canada Can-Sure Underwriting Ltd. CHES Special Risk Inc. Chutter Underwriting Services Coachman Insurance Company Echelon Insurance ENCON Group Inc. GROUPASSUR Canada GroupOne Insurance Services Liberty International Markel Milnco Insurance Northbridge Insurance SGI Canada South Western Group SUM Totten Insurance Group Travelers Canada Underwriting Solutions LP

Legal Expense A.M. Fredericks Underwriting April Canada Inc. Burns & Wilcox Canada CHES Special Risk Inc.

DAS Legal Protection Inc. GroupOne Insurance Services South Western Group Totten Insurance Group

Lodges, Fishing Camps A.M. Fredericks Underwriting Agile Underwriting Solutions Aurora Underwriting Services Burns & Wilcox Canada Can-Sure Underwriting Ltd. CHES Special Risk Inc. Chutter Underwriting Services ENCON Group Inc. GroupOne Insurance Services K&K Canada Markel Northbridge Insurance SUM Totten Insurance Group

Substandard Risks

Cyber Risks

A.M. Fredericks Underwriting Agile Underwriting Solutions April Canada Inc. Burns & Wilcox Canada Can-Sure Underwriting Ltd. CHES Special Risk Inc. Chutter Underwriting Services GROUPASSUR Canada GroupOne Insurance Services Milnco Insurance South Western Group Totten Insurance Group

A.M. Fredericks Underwriting April Canada Inc. Aurora Underwriting Services

HOSPITALS Burns & Wilcox Canada Chutter Underwriting Services Frank Cowan Company Markel SUM

Resorts A.M. Fredericks Underwriting Agile Underwriting Solutions April Canada Inc. Aurora Underwriting Services Burns & Wilcox Canada Can-Sure Underwriting Ltd. CHES Special Risk Inc. ENCON Group Inc. Evolution Insurance Inc. GroupOne Insurance Services Ironshore Canada K&K Canada Liberty International Markel Milnco Insurance Northbridge Insurance SUM

Rooming & Boarding Houses A.M. Fredericks Underwriting Agile Underwriting Solutions April Canada Inc. Aurora Underwriting Services Burns & Wilcox Canada Can-Sure Underwriting Ltd. CHES Special Risk Inc. ENCON Group Inc. GROUPASSUR Canada GroupOne Insurance Services Markel Milnco Insurance South Western Group SUM Totten Insurance Group Underwriting Solutions LP

Royal Canadian Legions A.M. Fredericks Underwriting Agile Underwriting Solutions April Canada Inc. Burns & Wilcox Canada Can-Sure Underwriting Ltd. GroupOne Insurance Services South Western Group Totten Insurance Group

INDIVIDUAL HEALTH Burns & Wilcox Canada MedThree Insurance Group Sutton Special Risk

INTERNET

Access Providers A.M. Fredericks Underwriting Burns & Wilcox Canada Can-Sure Underwriting Ltd. CHES Special Risk Inc. ENCON Group Inc. Ironshore Canada Markel South Western Group SUM Totten Insurance Group Travelers Canada Trinity Underwriting Managers

Application Developers A.M. Fredericks Underwriting April Canada Inc. Burns & Wilcox Canada Can-Sure Underwriting Ltd. CHES Special Risk Inc. ENCON Group Inc. GroupOne Insurance Services Ironshore Canada Markel Northbridge Insurance South Western Group SUM Totten Insurance Group Travelers Canada Trinity Underwriting Managers Trisura

Broadcasters/Podcasters A.M. Fredericks Underwriting Burns & Wilcox Canada Can-Sure Underwriting Ltd. CHES Special Risk Inc. GroupOne Insurance Services South Western Group SUM

Home Security Net: A proactive cyber protection for Personal lines protecting all devises connected to your home WiFi. Auroraunderwriting.com BI&I Burns & Wilcox Canada Can-Sure Underwriting Ltd. CHES Special Risk Inc. Eagle Underwriting Group Inc. ENCON Group Inc. Frank Cowan Company GROUPASSUR Canada GroupOne Insurance Services Ironshore Canada Liberty International Markel Milnco Insurance Northbridge Insurance South Western Group SUM Totten Insurance Group Travelers Canada Trinity Underwriting Managers

Online Rating Site A.M. Fredericks Underwriting Burns & Wilcox Canada CHES Special Risk Inc. GroupOne Insurance Services SUM

Web Design A.M. Fredericks Underwriting April Canada Inc. Burns & Wilcox Canada Can-Sure Underwriting Ltd. CHES Special Risk Inc. ENCON Group Inc. GROUPASSUR Canada GroupOne Insurance Services Ironshore Canada Liberty International Markel Milnco Insurance Northbridge Insurance South Western Group SUM Totten Insurance Group Travelers Canada Trinity Underwriting Managers Trisura

JACKPOT COVERAGE

Bingo Approved Surety & Casualty Inc. Burns & Wilcox Canada Can-Sure Underwriting Ltd. August 2018 Canadian Underwriter 65

2018 National Insurance Marketer CHES Special Risk Inc. Echelon Insurance South Western Group Sutton Special Risk

Direct Mail Solicitation Approved Surety & Casualty Inc. Burns & Wilcox Canada South Western Group

Hole in One Burns & Wilcox Canada Echelon Insurance GROUPASSUR Canada South Western Group Sutton Special Risk

Lottery Approved Surety & Casualty Inc. Burns & Wilcox Canada CHES Special Risk Inc. South Western Group Sutton Special Risk

Scratch Cards Approved Surety & Casualty Inc. Burns & Wilcox Canada CHES Special Risk Inc. South Western Group Sutton Special Risk

Slots Approved Surety & Casualty Inc. Burns & Wilcox Canada CHES Special Risk Inc. South Western Group Sutton Special Risk

Sports Book Approved Surety & Casualty Inc. Burns & Wilcox Canada CHES Special Risk Inc. South Western Group Sutton Special Risk

Video Poker Approved Surety & Casualty Inc. Burns & Wilcox Canada CHES Special Risk Inc. South Western Group Sutton Special Risk

Ironshore Canada Liberty International South Western Group Sutton Special Risk Totten Insurance Group Trisura XL Catlin

LEGAL EXPENSE INSURANCE A.M. Fredericks Underwriting Approved Surety & Casualty Inc. April Canada Inc. Burns & Wilcox Canada Can-Sure Underwriting Ltd. CHES Special Risk Inc. DAS Legal Protection Inc. Echelon Insurance Frank Cowan Company GroupOne Insurance Services South Western Group Totten Insurance Group Trinity Underwriting Managers

LITIGATION INSURANCE

After the Event Legal Expense Burns & Wilcox Canada DAS Legal Protection Inc. Ironshore Canada

Contingent Asset Indemnity Burns & Wilcox Canada CHES Special Risk Inc.

Contingent Liabilities Indemnity Burns & Wilcox Canada CHES Special Risk Inc.

Defendant’s Commercial Litigation Indemnity

A.M. Fredericks Underwriting Agile Underwriting Solutions April Canada Inc. Aurora Underwriting Services Burns & Wilcox Canada CHES Special Risk Inc. Markel SGI Canada SUM Totten Insurance Group

KIDNAP, RANSOM & EXTORTION Approved Surety & Casualty Inc. April Canada Inc. Aurora Underwriting Services Burns & Wilcox Canada CHES Special Risk Inc. Eagle Underwriting Group Inc. Echelon Insurance 66

Canadian Underwriter August 2018

Agricultural Product A.M. Fredericks Underwriting Burns & Wilcox Canada CHES Special Risk Inc. Chutter Underwriting Services Economical Insurance ENCON Group Inc. GroupOne Insurance Services Ironshore Canada Liberty International Markel Northbridge Insurance South Western Group SUM Totten Insurance Group

Amusement Equipment

Burns & Wilcox Canada CHES Special Risk Inc.

A.M. Fredericks Underwriting Burns & Wilcox Canada CHES Special Risk Inc. Chutter Underwriting Services ENCON Group Inc. GROUPASSUR Canada GroupOne Insurance Services Liberty International Markel SUM Totten Insurance Group

Plantiffs Costs Indemnity

Biotechnology

Burns & Wilcox Canada CHES Special Risk Inc.

A.M. Fredericks Underwriting April Canada Inc. Aurora Underwriting Services Burns & Wilcox Canada CHES Special Risk Inc. Evolution Insurance Inc. GroupOne Insurance Services Ironshore Canada Markel SUM Trinity Underwriting Managers Underwriting Solutions LP

Burns & Wilcox Canada CHES Special Risk Inc.

Judicial Delay Burns & Wilcox Canada CHES Special Risk Inc. Sutton Special Risk

Opponents’ Cost Indemnity KENNELS

April Canada Inc. Aurora Underwriting Services BI&I Burns & Wilcox Canada Can-Sure Underwriting Ltd. CHES Special Risk Inc. Chutter Underwriting Services Coachman Insurance Company Eagle Underwriting Group Inc. Economical Insurance ENCON Group Inc. Evolution Insurance Inc. GROUPASSUR Canada GroupOne Insurance Services Ironshore Canada Liberty International Markel Milnco Insurance Northbridge Insurance SGI Canada SUM Totten Insurance Group

Trial Disruption Indemnity Burns & Wilcox Canada CHES Special Risk Inc.

MAIL INSURANCE Approved Surety & Casualty Inc. Burns & Wilcox Canada Travelers Canada Trisura

Chemicals, High Hazard MANUFACTURING & RESOURCES (EXCEPT OIL AND GAS)

Agricultural Equipment A.M. Fredericks Underwriting

A.M. Fredericks Underwriting April Canada Inc. Burns & Wilcox Canada CHES Special Risk Inc. Evolution Insurance Inc. GROUPASSUR Canada

GroupOne Insurance Services Ironshore Canada Liberty International Markel SUM Totten Insurance Group Trinity Underwriting Managers

Clothing A.M. Fredericks Underwriting April Canada Inc. BI&I Burns & Wilcox Canada Can-Sure Underwriting Ltd. CHES Special Risk Inc. Chutter Underwriting Services Coachman Insurance Company Economical Insurance ENCON Group Inc. Evolution Insurance Inc. GROUPASSUR Canada GroupOne Insurance Services Liberty International Markel Milnco Insurance Northbridge Insurance SGI Canada South Western Group SUM Totten Insurance Group Travelers Canada Trinity Underwriting Managers Underwriting Solutions LP

Contractors, Equipment A.M. Fredericks Underwriting April Canada Inc. Aurora Underwriting Services BI&I Burns & Wilcox Canada Can-Sure Underwriting Ltd. CHES Special Risk Inc. Chutter Underwriting Services Eagle Underwriting Group Inc. ENCON Group Inc. Evolution Insurance Inc. GROUPASSUR Canada GroupOne Insurance Services Ironshore Canada Liberty International Markel Milnco Insurance Northbridge Insurance South Western Group SUM Totten Insurance Group Travelers Canada Trinity Underwriting Managers Underwriting Solutions LP

Drugs, Pharmaceuticals, Perfumes, Cosmetics A.M. Fredericks Underwriting Aurora Underwriting Services Burns & Wilcox Canada CHES Special Risk Inc. Chutter Underwriting Services Evolution Insurance Inc. GROUPASSUR Canada GroupOne Insurance Services Markel SUM Totten Insurance Group

Spotlight On | Pollution Liability

P

ollution liability is a risk some commercial clients don’t realize they have. Others may be aware of the risk, but mistakenly assume it is covered by an existing commercial general liability policy.

Either way, brokers need to know what CGL policies exclude and where the pollution coverage gaps lie.

Some CGL policies have endorsements covering sudden and accidental pollution; however, the coverage doesn’t apply if someone discovered contamination that originated years ago, warns Irin Bakhtiar, an environmental specialist with Zurich Canada.

“The vast majority of pollution losses are what we call gradual losses,” Bakhtiar says. “They are losses that you might discover months, if not years, after the pollution event started. That would not qualify as [a sudden and accidental] claim under the majority of CGL endorsements.”

Most provinces have laws allowing cleanup orders to be issued against “any person who owns, owned or has

or had management or control” over a contaminated property, regardless of how the contamination occurred and regardless of who is at fault, says Gowlings lawyer Harry Dahme.

Many commercial insurance clients “don’t yet realize that they have exposures there, or they underestimate ar the exposures that they have,” Bakhtiar adds.

Commercial brokers are advised to he talk to clients about exclusions in the m CGL that would prevent them from bmaking claims if they are sued or subnject them to fines or penalties in connection with a pollution incident.

Suppose, for example, you have a ycommercial client who owns a dryre cleaning business. “Even if they are ls, using some of the greener chemicals, ld they are still using chemicals that could milead to soil and ground water contamihe nation,” Bakhtiar warns. “Point to the er ways in which the CGL would never ahave paid for [a spill of hazardous maar terial] because it was discovered a year too late.”

By the same token, a client who is a construction contractor might think, ‘Well I am not using hazardous materials in my construction.” But they may not be thinking of their hidden storage tank, Bakhtiar said.

“That is a real pollution exposure for which they need dedicated pollution coverage.”

Quick Facts Globally in 2017, based on an analysis of just over 100,000 claims in various areas, the average environmental damage claim was $3.6 million in 2017, and the median environmental damage claim was $20,487.

August 2018 Canadian Underwriter 67

2018 National Insurance Marketer Trinity Underwriting Managers

Excess Liability A.M. Fredericks Underwriting April Canada Inc. Aurora Underwriting Services Burns & Wilcox Canada Can-Sure Underwriting Ltd. CHES Special Risk Inc. Chutter Underwriting Services ENCON Group Inc. Evolution Insurance Inc. GROUPASSUR Canada GroupOne Insurance Services Ironshore Canada Liberty International Markel Milnco Insurance Northbridge Insurance South Western Group SUM Totten Insurance Group Travelers Canada Underwriting Solutions LP

Explosives A.M. Fredericks Underwriting Burns & Wilcox Canada CHES Special Risk Inc. Chutter Underwriting Services Ironshore Canada Markel SUM Totten Insurance Group

Feed Mills A.M. Fredericks Underwriting April Canada Inc. BI&I Burns & Wilcox Canada CHES Special Risk Inc. Economical Insurance ENCON Group Inc. Evolution Insurance Inc. GroupOne Insurance Services Liberty International Markel Northbridge Insurance SUM

Fireworks A.M. Fredericks Underwriting Burns & Wilcox Canada CHES Special Risk Inc. Chutter Underwriting Services ENCON Group Inc. Markel SUM Totten Insurance Group

Food Processing A.M. Fredericks Underwriting April Canada Inc. Aurora Underwriting Services BI&I Burns & Wilcox Canada Can-Sure Underwriting Ltd. CHES Special Risk Inc. Chutter Underwriting Services Economical Insurance ENCON Group Inc. Evolution Insurance Inc. GROUPASSUR Canada GroupOne Insurance Services 68

Canadian Underwriter August 2018

Ironshore Canada Liberty International Markel Milnco Insurance Northbridge Insurance South Western Group SUM Totten Insurance Group Travelers Canada Trinity Underwriting Managers Underwriting Solutions LP

Garment Contractors A.M. Fredericks Underwriting April Canada Inc. Burns & Wilcox Canada Can-Sure Underwriting Ltd. CHES Special Risk Inc. Chutter Underwriting Services ENCON Group Inc. Evolution Insurance Inc. GROUPASSUR Canada GroupOne Insurance Services Liberty International Markel Milnco Insurance South Western Group SUM Totten Insurance Group Travelers Canada

Highly Protected Manufacturing Risks A.M. Fredericks Underwriting April Canada Inc. BI&I Burns & Wilcox Canada Can-Sure Underwriting Ltd. CHES Special Risk Inc. Chutter Underwriting Services ENCON Group Inc. Evolution Insurance Inc. GROUPASSUR Canada GroupOne Insurance Services Ironshore Canada Liberty International Milnco Insurance Northbridge Insurance SUM Totten Insurance Group Travelers Canada Trinity Underwriting Managers

Light Industry A.M. Fredericks Underwriting April Canada Inc. Aurora Underwriting Services BI&I Burns & Wilcox Canada Can-Sure Underwriting Ltd. CHES Special Risk Inc. Chutter Underwriting Services Echelon Insurance Economical Insurance ENCON Group Inc. Evolution Insurance Inc. GROUPASSUR Canada GroupOne Insurance Services Ironshore Canada Liberty International Markel Milnco Insurance Northbridge Insurance

SUM Totten Insurance Group Travelers Canada Trinity Underwriting Managers Underwriting Solutions LP

Logging Operations (and Brush Clearing Equipment) A.M. Fredericks Underwriting April Canada Inc. BI&I Burns & Wilcox Canada Can-Sure Underwriting Ltd. CHES Special Risk Inc. Chutter Underwriting Services Evolution Insurance Inc. GroupOne Insurance Services Liberty International Milnco Insurance Northbridge Insurance SGI Canada South Western Group SUM Totten Insurance Group

Machine Shops A.M. Fredericks Underwriting April Canada Inc. BI&I Burns & Wilcox Canada Can-Sure Underwriting Ltd. CHES Special Risk Inc. Chutter Underwriting Services Coachman Insurance Company Economical Insurance ENCON Group Inc. Evolution Insurance Inc. GROUPASSUR Canada GroupOne Insurance Services Liberty International Markel Milnco Insurance Northbridge Insurance SGI Canada SUM Totten Insurance Group Travelers Canada Trinity Underwriting Managers Underwriting Solutions LP

Underwriting Solutions LP

Manufacturers’ Output A.M. Fredericks Underwriting Burns & Wilcox Canada CHES Special Risk Inc. ENCON Group Inc. Evolution Insurance Inc. GROUPASSUR Canada Liberty International SUM Trinity Underwriting Managers

Medical Products A.M. Fredericks Underwriting April Canada Inc. Aurora Underwriting Services BI&I Burns & Wilcox Canada Can-Sure Underwriting Ltd. CHES Special Risk Inc. Chutter Underwriting Services Economical Insurance Evolution Insurance Inc. GROUPASSUR Canada GroupOne Insurance Services Markel SUM Totten Insurance Group Trinity Underwriting Managers

Metal Products (Auto Parts) A.M. Fredericks Underwriting Burns & Wilcox Canada CHES Special Risk Inc. Chutter Underwriting Services Economical Insurance ENCON Group Inc. Evolution Insurance Inc. GroupOne Insurance Services Ironshore Canada Markel Northbridge Insurance South Western Group SUM Totten Insurance Group Travelers Canada Trinity Underwriting Managers

Machinery

Metal Products (Excluding Aircraft and Auto Parts)

A.M. Fredericks Underwriting April Canada Inc. Aurora Underwriting Services BI&I Burns & Wilcox Canada Can-Sure Underwriting Ltd. CHES Special Risk Inc. Chutter Underwriting Services Economical Insurance ENCON Group Inc. Evolution Insurance Inc. GROUPASSUR Canada GroupOne Insurance Services Ironshore Canada Liberty International Markel Milnco Insurance Northbridge Insurance SUM Totten Insurance Group Travelers Canada Trinity Underwriting Managers

A.M. Fredericks Underwriting April Canada Inc. Aurora Underwriting Services BI&I Burns & Wilcox Canada Can-Sure Underwriting Ltd. CHES Special Risk Inc. Chutter Underwriting Services Coachman Insurance Company Economical Insurance ENCON Group Inc. Evolution Insurance Inc. GROUPASSUR Canada GroupOne Insurance Services Ironshore Canada Markel Milnco Insurance Northbridge Insurance SGI Canada South Western Group SUM Totten Insurance Group

CONTACT INFO: PP. 84-86

Travelers Canada Trinity Underwriting Managers Underwriting Solutions LP

Mining Operations A.M. Fredericks Underwriting April Canada Inc. Burns & Wilcox Canada Can-Sure Underwriting Ltd. CHES Special Risk Inc. Chutter Underwriting Services Evolution Insurance Inc. GroupOne Insurance Services Ironshore Canada Liberty International Northbridge Insurance SUM Totten Insurance Group

Paper Products A.M. Fredericks Underwriting April Canada Inc. Aurora Underwriting Services BI&I Burns & Wilcox Canada Can-Sure Underwriting Ltd. CHES Special Risk Inc. Chutter Underwriting Services Economical Insurance ENCON Group Inc. Evolution Insurance Inc. GROUPASSUR Canada GroupOne Insurance Services Ironshore Canada Liberty International Markel Milnco Insurance Northbridge Insurance South Western Group SUM Totten Insurance Group Travelers Canada Trinity Underwriting Managers Underwriting Solutions LP

Plastics, Synthetic Resins & Fibers A.M. Fredericks Underwriting April Canada Inc. Aurora Underwriting Services BI&I Burns & Wilcox Canada CHES Special Risk Inc. Chutter Underwriting Services ENCON Group Inc. Evolution Insurance Inc. GROUPASSUR Canada GroupOne Insurance Services Ironshore Canada Liberty International Markel Northbridge Insurance South Western Group SUM Totten Insurance Group Travelers Canada Trinity Underwriting Managers

Portable Sawmills A.M. Fredericks Underwriting Burns & Wilcox Canada Can-Sure Underwriting Ltd. CHES Special Risk Inc.

Chutter Underwriting Services GroupOne Insurance Services Liberty International SUM

Printing Operations A.M. Fredericks Underwriting April Canada Inc. BI&I Burns & Wilcox Canada Can-Sure Underwriting Ltd. CHES Special Risk Inc. Chutter Underwriting Services Coachman Insurance Company Economical Insurance Evolution Insurance Inc. GROUPASSUR Canada GroupOne Insurance Services Ironshore Canada Liberty International Markel Northbridge Insurance SUM Totten Insurance Group Travelers Canada

Product Contamination (Malicious) Aurora Underwriting Services Burns & Wilcox Canada CHES Special Risk Inc. Economical Insurance Evolution Insurance Inc. GroupOne Insurance Services Liberty International South Western Group SUM Totten Insurance Group

Product Recall A.M. Fredericks Underwriting April Canada Inc. Aurora Underwriting Services Burns & Wilcox Canada CHES Special Risk Inc. Economical Insurance GROUPASSUR Canada GroupOne Insurance Services Liberty International Markel South Western Group SUM Totten Insurance Group Trinity Underwriting Managers

Rubber Recycling & Remanufacture A.M. Fredericks Underwriting April Canada Inc. Aurora Underwriting Services Burns & Wilcox Canada Can-Sure Underwriting Ltd. CHES Special Risk Inc. Chutter Underwriting Services ENCON Group Inc. Evolution Insurance Inc. GroupOne Insurance Services Liberty International Markel South Western Group SUM Totten Insurance Group

Safety Equipment

Toys

A.M. Fredericks Underwriting Burns & Wilcox Canada Can-Sure Underwriting Ltd. CHES Special Risk Inc. Chutter Underwriting Services ENCON Group Inc. Evolution Insurance Inc. GROUPASSUR Canada GroupOne Insurance Services Liberty International Markel SUM Totten Insurance Group Trinity Underwriting Managers

A.M. Fredericks Underwriting Burns & Wilcox Canada CHES Special Risk Inc. ENCON Group Inc. Evolution Insurance Inc. GROUPASSUR Canada GroupOne Insurance Services Liberty International Markel SUM Trinity Underwriting Managers

Sawmills A.M. Fredericks Underwriting BI&I Burns & Wilcox Canada Can-Sure Underwriting Ltd. CHES Special Risk Inc. Chutter Underwriting Services Economical Insurance Evolution Insurance Inc. GroupOne Insurance Services Ironshore Canada Liberty International Northbridge Insurance SUM Totten Insurance Group

Software/Hardware A.M. Fredericks Underwriting April Canada Inc. Burns & Wilcox Canada Can-Sure Underwriting Ltd. CHES Special Risk Inc. GROUPASSUR Canada GroupOne Insurance Services Ironshore Canada Liberty International Milnco Insurance Northbridge Insurance South Western Group SUM Totten Insurance Group Travelers Canada Trinity Underwriting Managers

Woodworking Shops A.M. Fredericks Underwriting BI&I Burns & Wilcox Canada Can-Sure Underwriting Ltd. CHES Special Risk Inc. Chutter Underwriting Services Coachman Insurance Company Echelon Insurance Evolution Insurance Inc. GROUPASSUR Canada GroupOne Insurance Services Liberty International Markel Northbridge Insurance SGI Canada South Western Group SUM Totten Insurance Group Travelers Canada Trinity Underwriting Managers Underwriting Solutions LP

MARINE

Insurance for Things That Move.™ YOUR ONE-STOP-SHOP FOR INSURANCE SOLUTIONS WWW.EAGLEUNDERWRITING.COM

Sporting Goods A.M. Fredericks Underwriting Burns & Wilcox Canada Can-Sure Underwriting Ltd. CHES Special Risk Inc. Chutter Underwriting Services Economical Insurance ENCON Group Inc. Evolution Insurance Inc. GROUPASSUR Canada GroupOne Insurance Services Ironshore Canada Liberty International Markel SUM Totten Insurance Group Travelers Canada

Statutory Defence & Reimbursement Program Burns & Wilcox Canada CHES Special Risk Inc. Liberty International SUM

Antique Craft April Canada Inc. Burns & Wilcox Canada Eagle Underwriting Group Inc. SUM

Boat & Boat Supply Dealers April Canada Inc. Burns & Wilcox Canada Eagle Underwriting Group Inc. GroupOne Insurance Services Northbridge Insurance South Western Group

Boat Rental April Canada Inc. Burns & Wilcox Canada Eagle Underwriting Group Inc. GroupOne Insurance Services Northbridge Insurance

Builders Risks Approved Surety & Casualty Inc. April Canada Inc. August 2018 Canadian Underwriter 69

2018 National Insurance Marketer Burns & Wilcox Canada Can-Sure Underwriting Ltd. Eagle Underwriting Group Inc. Evolution Insurance Inc. GroupOne Insurance Services Liberty International Northbridge Insurance South Western Group SUM Travelers Canada

Cargo, Coastal April Canada Inc. Aurora Underwriting Services Burns & Wilcox Canada Eagle Underwriting Group Inc. Liberty International Northbridge Insurance South Western Group SUM Travelers Canada

Northbridge Insurance SUM Travelers Canada

Florida Coverage April Canada Inc. Burns & Wilcox Canada Eagle Underwriting Group Inc.

High Performance/Cigarette Boats April Canada Inc. Burns & Wilcox Canada

High Value Yachts April Canada Inc. Burns & Wilcox Canada Eagle Underwriting Group Inc. GroupOne Insurance Services South Western Group SUM Travelers Canada

Cargo, Contingent Insurance

House Boats

April Canada Inc. Aurora Underwriting Services Burns & Wilcox Canada Eagle Underwriting Group Inc. Liberty International Northbridge Insurance South Western Group SUM Travelers Canada

A.M. Fredericks Underwriting April Canada Inc. Burns & Wilcox Canada GroupOne Insurance Services Northbridge Insurance

Cargo, Ocean April Canada Inc. Aurora Underwriting Services Burns & Wilcox Canada Eagle Underwriting Group Inc. Liberty International Milnco Insurance Northbridge Insurance South Western Group SUM Travelers Canada

Charter Risks April Canada Inc. Burns & Wilcox Canada Eagle Underwriting Group Inc. Liberty International Northbridge Insurance South Western Group SUM Travelers Canada

Crew Personal AD&D Burns & Wilcox Canada Sutton Special Risk

Ferries April Canada Inc. Burns & Wilcox Canada Eagle Underwriting Group Inc. Liberty International Northbridge Insurance South Western Group SUM Travelers Canada

Fishing Vessels April Canada Inc. Burns & Wilcox Canada Eagle Underwriting Group Inc. GroupOne Insurance Services Liberty International 70

Canadian Underwriter August 2018

Hull & Machinery April Canada Inc. Burns & Wilcox Canada Eagle Underwriting Group Inc. Evolution Insurance Inc. GroupOne Insurance Services Liberty International Northbridge Insurance South Western Group SUM Travelers Canada

Inland Waterway Vessels April Canada Inc. Burns & Wilcox Canada Eagle Underwriting Group Inc. Liberty International

Jet Ski April Canada Inc. Eagle Underwriting Group Inc. Echelon Insurance GROUPASSUR Canada Northbridge Insurance Travelers Canada

Marinas April Canada Inc. Burns & Wilcox Canada Can-Sure Underwriting Ltd. Eagle Underwriting Group Inc. Evolution Insurance Inc. GroupOne Insurance Services Liberty International Northbridge Insurance South Western Group SUM Travelers Canada

Motor Truck Cargo Legal Liabilty April Canada Inc. Burns & Wilcox Canada Eagle Underwriting Group Inc. GroupOne Insurance Services South Western Group SUM

Travelers Canada

Ocean Marine April Canada Inc. Burns & Wilcox Canada Eagle Underwriting Group Inc. GroupOne Insurance Services Liberty International Northbridge Insurance South Western Group SUM Travelers Canada

Off Shore Drilling April Canada Inc. Burns & Wilcox Canada South Western Group

Passenger Personal AD&D Burns & Wilcox Canada Sutton Special Risk

Pleasure Craft April Canada Inc. Burns & Wilcox Canada Eagle Underwriting Group Inc. Echelon Insurance Economical Insurance Evolution Insurance Inc. GROUPASSUR Canada GroupOne Insurance Services South Western Group Travelers Canada

Ship Repairers Legal Liability Approved Surety & Casualty Inc. April Canada Inc. Burns & Wilcox Canada Eagle Underwriting Group Inc. GroupOne Insurance Services Liberty International Northbridge Insurance South Western Group SUM Travelers Canada

Stock Through-Put April Canada Inc. Burns & Wilcox Canada Can-Sure Underwriting Ltd. Eagle Underwriting Group Inc. Northbridge Insurance South Western Group SUM Travelers Canada

Terminal Operators April Canada Inc. Burns & Wilcox Canada Eagle Underwriting Group Inc. Liberty International Northbridge Insurance SUM Travelers Canada

Tour Boats April Canada Inc. Burns & Wilcox Canada Eagle Underwriting Group Inc. GroupOne Insurance Services Northbridge Insurance South Western Group Travelers Canada

Tugs, Barges Approved Surety & Casualty Inc.

April Canada Inc. Burns & Wilcox Canada Eagle Underwriting Group Inc. GroupOne Insurance Services Liberty International Northbridge Insurance South Western Group SUM Travelers Canada

U.S. Sales Approved Surety & Casualty Inc. Burns & Wilcox Canada Eagle Underwriting Group Inc. Liberty International South Western Group SUM

Water Transport Services Approved Surety & Casualty Inc. April Canada Inc. Burns & Wilcox Canada Eagle Underwriting Group Inc. Northbridge Insurance South Western Group Travelers Canada

Wharf & Waterfront Property A.M. Fredericks Underwriting Approved Surety & Casualty Inc. April Canada Inc. Burns & Wilcox Canada GroupOne Insurance Services Northbridge Insurance South Western Group SUM Travelers Canada

Wooden Boats April Canada Inc. Burns & Wilcox Canada Eagle Underwriting Group Inc. GROUPASSUR Canada GroupOne Insurance Services SUM

Yacht Clubs April Canada Inc. Burns & Wilcox Canada Eagle Underwriting Group Inc. Northbridge Insurance

MISCELLANEOUS ARTICLES A.M. Fredericks Underwriting Agile Underwriting Solutions April Canada Inc. Aurora Underwriting Services Burns & Wilcox Canada CHES Special Risk Inc. Chutter Underwriting Services GROUPASSUR Canada Markel Milnco Insurance Northbridge Insurance SUM Trinity Underwriting Managers Underwriting Solutions LP

MUNICIPAL SCHEDULES A.M. Fredericks Underwriting Agile Underwriting Solutions

Spotlight On | Sports and Recreation

B

rokers looking to place certain types of sports insurance should be aware of any professional liability exclusions being written into liability wording.

Gina Bennett, vice president of Markel Canada’s western region, says professional liability exclusions could touch on the insured status of fitness instructors or coaches. She is the former president of Allsport Insurance, a managing general agent fully acquired by Markel in April 2017.

“This is important for fitness instructors or coaches who provide training advice,” Bennett says. “While a delicate subject, we do not believe a court would consider a ‘fitness leader’ to be a ‘professional.’ However, if a fitness client alleges damages other than bodily injury, a standard liability wording would not respond if it contains a professional liability exclusion.” Any allegations of bodily injury would likely be protected by commercial general liability coverage, she adds.

Normally, a ‘professional’ would be a graduate of an institute of higher learning – such as a lawyer, doctor, dentist or accountant, for example. They would be subject to the rules and regulations of a self-governing body.

Brokers should also be aware of their clients’ cyber exposures: many fitness instructors conduct training online or by streaming. Sports associations also collect and store members’ personal data, including medical information, that could be breached.

Higher-risk sports and leisure sports are being carefully underwritten, Bennett observes. Carriers are undertaking a close review of concussion protocols for collision or contact sports, and supplemental application is required by some insurers. Participation appears to be declining in concussion risk sports such as martial arts activities, football, hockey, and baseball.

Other tips for brokers selling sports insurance include: • Ensure that sport, recreational and fitness organizers have robust waivers that

have been vetted by a lawyer. Ensure the waiver notes that the participant assumes all risks, including the negligence of employees (and all releasees); • Review sports carriers’ websites and applications. Make sure applications are completed in full, since there are reasons why each question is asked; and • Research risk management required for each sport.

Quick Facts The amateur sports insurance market in Canada is estimated to be $40 million, with participation levels strong in most sports.

There are approximately 7.3 million registered sports participants country wide.

August 2018 Canadian Underwriter 71

2018 National Insurance Marketer Burns & Wilcox Canada Can-Sure Underwriting Ltd. Chutter Underwriting Services Frank Cowan Company The Guarantee SUM Travelers Canada

MUNICIPALITIES Agile Underwriting Solutions BI&I Burns & Wilcox Canada Can-Sure Underwriting Ltd. Frank Cowan Company The Guarantee Markel SGI Canada SUM Travelers Canada

Liberty International South Western Group Travelers Canada

Drilling Equipment A.M. Fredericks Underwriting Agile Underwriting Solutions April Canada Inc. Aurora Underwriting Services BI&I Burns & Wilcox Canada Can-Sure Underwriting Ltd. CHES Special Risk Inc. GroupOne Insurance Services Ironshore Canada SGI Canada South Western Group SUM Totten Insurance Group Travelers Canada

Environmental Damage Liability MUSEUMS A.M. Fredericks Underwriting Agile Underwriting Solutions April Canada Inc. Aurora Underwriting Services Burns & Wilcox Canada Can-Sure Underwriting Ltd. CHES Special Risk Inc. Eagle Underwriting Group Inc. Ecclesiastical Insurance K&K Canada Liberty International SGI Canada South Western Group SUM Travelers Canada

MUSICAL INSTRUMENTS A.M. Fredericks Underwriting April Canada Inc. Burns & Wilcox Canada Eagle Underwriting Group Inc. GroupOne Insurance Services

OIL & GAS

Above & Below Ground Storage A.M. Fredericks Underwriting Agile Underwriting Solutions BI&I Burns & Wilcox Canada Can-Sure Underwriting Ltd. CHES Special Risk Inc. ENCON Group Inc. GroupOne Insurance Services Liberty International South Western Group SUM Totten Insurance Group

Business Interruption Agile Underwriting Solutions Aurora Underwriting Services BI&I Burns & Wilcox Canada CHES Special Risk Inc. GROUPASSUR Canada GroupOne Insurance Services Ironshore Canada 72

Canadian Underwriter August 2018

CHES Special Risk Inc. Chutter Underwriting Services Coachman Insurance Company Economical Insurance GroupOne Insurance Services Milnco Insurance SGI Canada SUM Underwriting Solutions LP

Onshore Oil Well Drilling BI&I Burns & Wilcox Canada Can-Sure Underwriting Ltd. CHES Special Risk Inc. GroupOne Insurance Services Ironshore Canada Northbridge Insurance South Western Group SUM Travelers Canada

April Canada Inc. Aurora Underwriting Services Burns & Wilcox Canada CHES Special Risk Inc. Eagle Underwriting Group Inc. GroupOne Insurance Services Ironshore Canada Liberty International Markel South Western Group SUM Totten Insurance Group

Petroleum, Natural Gas, Well Lease Property

Excess Liability

Pollution

A.M. Fredericks Underwriting Agile Underwriting Solutions April Canada Inc. Aurora Underwriting Services Burns & Wilcox Canada Can-Sure Underwriting Ltd. CHES Special Risk Inc. Chutter Underwriting Services GroupOne Insurance Services Ironshore Canada Liberty International Markel South Western Group SUM Totten Insurance Group Travelers Canada

Aurora Underwriting Services Burns & Wilcox Canada Can-Sure Underwriting Ltd. CHES Special Risk Inc. Eagle Underwriting Group Inc. ENCON Group Inc. GroupOne Insurance Services Ironshore Canada Liberty International Markel SGI Canada South Western Group SUM Totten Insurance Group Travelers Canada Underwriting Solutions LP

Facturing BI&I Burns & Wilcox Canada CHES Special Risk Inc. Economical Insurance Ironshore Canada

Gas Plants CHES Special Risk Inc. Liberty International Northbridge Insurance

Offshore Drilling Burns & Wilcox Canada CHES Special Risk Inc. South Western Group

Oilfield Welding A.M. Fredericks Underwriting April Canada Inc. Aurora Underwriting Services Burns & Wilcox Canada

Burns & Wilcox Canada CHES Special Risk Inc. Coachman Insurance Company GroupOne Insurance Services Ironshore Canada Liberty International SGI Canada South Western Group Travelers Canada Underwriting Solutions LP

Refineries, Property & Liability Burns & Wilcox Canada CHES Special Risk Inc. GroupOne Insurance Services Ironshore Canada Liberty International Markel South Western Group

Seismic April Canada Inc. Burns & Wilcox Canada CHES Special Risk Inc. Markel Northbridge Insurance South Western Group Travelers Canada Underwriting Solutions LP

Service Contractors A.M. Fredericks Underwriting Agile Underwriting Solutions

Approved Surety & Casualty Inc. April Canada Inc. Aurora Underwriting Services BI&I Burns & Wilcox Canada Can-Sure Underwriting Ltd. CHES Special Risk Inc. Chutter Underwriting Services Coachman Insurance Company Economical Insurance GROUPASSUR Canada GroupOne Insurance Services Ironshore Canada Markel Milnco Insurance Northbridge Insurance SGI Canada South Western Group SUM Totten Insurance Group Travelers Canada Underwriting Solutions LP

Site Preparation Aurora Underwriting Services BI&I Burns & Wilcox Canada Can-Sure Underwriting Ltd. CHES Special Risk Inc. Chutter Underwriting Services Coachman Insurance Company Economical Insurance GroupOne Insurance Services Ironshore Canada Markel Milnco Insurance Northbridge Insurance SGI Canada South Western Group SUM Travelers Canada Underwriting Solutions LP

Storage Risks A.M. Fredericks Underwriting Aurora Underwriting Services BI&I Burns & Wilcox Canada Can-Sure Underwriting Ltd. CHES Special Risk Inc. GroupOne Insurance Services Ironshore Canada Liberty International Markel South Western Group SUM

U.S. Risks Burns & Wilcox Canada Can-Sure Underwriting Ltd. CHES Special Risk Inc. Ironshore Canada Liberty International Northbridge Insurance South Western Group SUM Travelers Canada

Well Blow Out (Cost Of Control) CHES Special Risk Inc. South Western Group Underwriting Solutions LP

CONTACT INFO: PP. 84-86

Wind Farms A.M. Fredericks Underwriting Approved Surety & Casualty Inc. Aurora Underwriting Services BI&I Burns & Wilcox Canada CHES Special Risk Inc. Chutter Underwriting Services GroupOne Insurance Services Ironshore Canada Liberty International Markel South Western Group SUM

Wireline Logging A.M. Fredericks Underwriting Agile Underwriting Solutions April Canada Inc. Aurora Underwriting Services Can-Sure Underwriting Ltd. CHES Special Risk Inc. Coachman Insurance Company Markel Northbridge Insurance SGI Canada South Western Group Travelers Canada

OVERSEAS EXPOSURES

Bid Bonds Approved Surety & Casualty Inc.

Boiler & Machinery BI&I Burns & Wilcox Canada CHES Special Risk Inc.

Defense Base Act Liability Burns & Wilcox Canada CHES Special Risk Inc.

Disability Burns & Wilcox Canada CHES Special Risk Inc. Sutton Special Risk

Errors & Omissions A.M. Fredericks Underwriting April Canada Inc. Burns & Wilcox Canada Can-Sure Underwriting Ltd. CHES Special Risk Inc. Ironshore Canada

Excess Liability A.M. Fredericks Underwriting Burns & Wilcox Canada Can-Sure Underwriting Ltd. CHES Special Risk Inc. Chutter Underwriting Services Ironshore Canada Liberty International Markel SUM Totten Insurance Group

Foreign Voluntary Workers Compensation Burns & Wilcox Canada CHES Special Risk Inc.

Global Master Controlled Programs

Trade Disruption

PERSONAL INJURY

Burns & Wilcox Canada Eagle Underwriting Group Inc. Markel

Advertisers

Incidental Exposures

U.S. Products Liability

Burns & Wilcox Canada CHES Special Risk Inc.

A.M. Fredericks Underwriting April Canada Inc. Burns & Wilcox Canada Can-Sure Underwriting Ltd. Chutter Underwriting Services GROUPASSUR Canada Liberty International Markel South Western Group SUM Travelers Canada Trinity Underwriting Managers

International Employee Benefits Burns & Wilcox Canada Sutton Special Risk

Liability A.M. Fredericks Underwriting Aurora Underwriting Services Burns & Wilcox Canada Can-Sure Underwriting Ltd. CHES Special Risk Inc. Chutter Underwriting Services Ironshore Canada Liberty International South Western Group SUM Totten Insurance Group Underwriting Solutions LP

U.S. Workers Compensation Burns & Wilcox Canada Liberty International Travelers Canada

Umbrella Liability

A.M. Fredericks Underwriting Burns & Wilcox Canada CHES Special Risk Inc. Eagle Underwriting Group Inc. Ironshore Canada Liberty International South Western Group SUM Totten Insurance Group

A.M. Fredericks Underwriting April Canada Inc. Aurora Underwriting Services Burns & Wilcox Canada CHES Special Risk Inc. Chutter Underwriting Services Ironshore Canada Liberty International Markel South Western Group SUM Totten Insurance Group Underwriting Solutions LP

Medical

U.S. Domiciled Risks

Marine Cargo

Burns & Wilcox Canada CHES Special Risk Inc. Sutton Special Risk

Oil & Gas Consultants A.M. Fredericks Underwriting April Canada Inc. Aurora Underwriting Services Burns & Wilcox Canada Can-Sure Underwriting Ltd. CHES Special Risk Inc. Ironshore Canada South Western Group Underwriting Solutions LP

Performance Bonds Approved Surety & Casualty Inc.

Property Burns & Wilcox Canada CHES Special Risk Inc. South Western Group Totten Insurance Group

Surety Bonds

Approved Surety & Casualty Inc.

Approved Surety & Casualty Inc. Burns & Wilcox Canada Liberty International

Burns & Wilcox Canada CHES Special Risk Inc. Liberty International

SUM Totten Insurance Group Travelers Canada Trinity Underwriting Managers

Burns & Wilcox Canada CHES Special Risk Inc. Liberty International

Financial Guarantee Foreign Property/GL & DIC

Eagle Underwriting Group Inc. Ironshore Canada Liberty International Markel Sutton Special Risk

Terrorism Burns & Wilcox Canada

Burns & Wilcox Canada Ironshore Canada Sutton Special Risk

War Burns & Wilcox Canada Eagle Underwriting Group Inc. Ironshore Canada Sutton Special Risk

War Risk, AD&D Burns & Wilcox Canada CHES Special Risk Inc. South Western Group Sutton Special Risk

War Risk, Term Life Burns & Wilcox Canada CHES Special Risk Inc. South Western Group Sutton Special Risk

World Wide Product Liability April Canada Inc. Aurora Underwriting Services Burns & Wilcox Canada CHES Special Risk Inc. Liberty International Markel South Western Group

A.M. Fredericks Underwriting Approved Surety & Casualty Inc. April Canada Inc. Burns & Wilcox Canada CHES Special Risk Inc. GroupOne Insurance Services Liberty International Markel South Western Group SUM Trisura

Advertising Agencies A.M. Fredericks Underwriting Approved Surety & Casualty Inc. April Canada Inc. Burns & Wilcox Canada CHES Special Risk Inc. GroupOne Insurance Services Liberty International Markel South Western Group SUM Trisura

Book Publisher A.M. Fredericks Underwriting Approved Surety & Casualty Inc. April Canada Inc. Burns & Wilcox Canada CHES Special Risk Inc. GroupOne Insurance Services Markel South Western Group SUM Trisura

Broadcasters, Radio & Television A.M. Fredericks Underwriting Approved Surety & Casualty Inc. April Canada Inc. Burns & Wilcox Canada CHES Special Risk Inc. GroupOne Insurance Services Liberty International Markel South Western Group SUM Trisura

Cablecaster A.M. Fredericks Underwriting Approved Surety & Casualty Inc. April Canada Inc. Burns & Wilcox Canada CHES Special Risk Inc. GroupOne Insurance Services Markel South Western Group SUM Trisura

Internet Liability A.M. Fredericks Underwriting Approved Surety & Casualty Inc. August 2018 Canadian Underwriter 73

2018 National Insurance Marketer April Canada Inc. Burns & Wilcox Canada CHES Special Risk Inc. GroupOne Insurance Services South Western Group SUM Trinity Underwriting Managers Trisura

Internet Service Provider A.M. Fredericks Underwriting Approved Surety & Casualty Inc. Burns & Wilcox Canada CHES Special Risk Inc. GroupOne Insurance Services Liberty International South Western Group SUM Trinity Underwriting Managers Trisura

Libel, Slander A.M. Fredericks Underwriting Approved Surety & Casualty Inc. April Canada Inc. Burns & Wilcox Canada CHES Special Risk Inc. GroupOne Insurance Services Markel South Western Group SUM Trisura

Magazine, Publishers A.M. Fredericks Underwriting Approved Surety & Casualty Inc. April Canada Inc. Burns & Wilcox Canada CHES Special Risk Inc. GroupOne Insurance Services Markel South Western Group SUM Trisura

Media Holding Companies A.M. Fredericks Underwriting Approved Surety & Casualty Inc. Burns & Wilcox Canada CHES Special Risk Inc. GroupOne Insurance Services Markel South Western Group SUM Trisura

Newspaper Carriers A.M. Fredericks Underwriting Approved Surety & Casualty Inc. Burns & Wilcox Canada CHES Special Risk Inc. GroupOne Insurance Services Markel South Western Group SUM Trisura

Newspapers A.M. Fredericks Underwriting Approved Surety & Casualty Inc. April Canada Inc. Burns & Wilcox Canada CHES Special Risk Inc. GroupOne Insurance Services Markel 74

Canadian Underwriter August 2018

South Western Group SUM Trisura

SUM Totten Insurance Group

Totten Insurance Group Underwriting Solutions LP

Consultant

Excess

Non-Profit Media

A.M. Fredericks Underwriting Agile Underwriting Solutions Approved Surety & Casualty Inc. April Canada Inc. Aurora Underwriting Services Burns & Wilcox Canada CHES Special Risk Inc. ENCON Group Inc. GROUPASSUR Canada Ironshore Canada Liberty International Markel South Western Group SUM Totten Insurance Group Underwriting Solutions LP

Agile Underwriting Solutions Burns & Wilcox Canada CHES Special Risk Inc. Ironshore Canada Liberty International Markel SUM

A.M. Fredericks Underwriting Approved Surety & Casualty Inc. Burns & Wilcox Canada CHES Special Risk Inc. GroupOne Insurance Services Markel South Western Group SUM Trisura

Producers Errors & Omissions A.M. Fredericks Underwriting Approved Surety & Casualty Inc. Burns & Wilcox Canada CHES Special Risk Inc. GroupOne Insurance Services South Western Group SUM Travelers Canada

Radio, TV and Film A.M. Fredericks Underwriting Approved Surety & Casualty Inc. April Canada Inc. Burns & Wilcox Canada CHES Special Risk Inc. GroupOne Insurance Services South Western Group SUM Trisura

Societies & Associations A.M. Fredericks Underwriting Approved Surety & Casualty Inc. Burns & Wilcox Canada CHES Special Risk Inc. Frank Cowan Company GroupOne Insurance Services Markel South Western Group SUM Trisura

POLITICAL RISK Burns & Wilcox Canada CHES Special Risk Inc. Eagle Underwriting Group Inc. Ironshore Canada Markel South Western Group Sutton Special Risk Totten Insurance Group XL Catlin

POLLUTION

Asbestos, Lead, Silica & Mould Remediation Agile Underwriting Solutions Approved Surety & Casualty Inc. Burns & Wilcox Canada CHES Special Risk Inc. ENCON Group Inc. GROUPASSUR Canada Liberty International Markel South Western Group

Contractors A.M. Fredericks Underwriting Agile Underwriting Solutions Approved Surety & Casualty Inc. April Canada Inc. Aurora Underwriting Services Burns & Wilcox Canada CHES Special Risk Inc. Eagle Underwriting Group Inc. ENCON Group Inc. GROUPASSUR Canada GroupOne Insurance Services Ironshore Canada Liberty International Markel South Western Group SUM Totten Insurance Group Underwriting Solutions LP

Contractors, Remediation A.M. Fredericks Underwriting Agile Underwriting Solutions Approved Surety & Casualty Inc. April Canada Inc. Burns & Wilcox Canada CHES Special Risk Inc. ENCON Group Inc. GROUPASSUR Canada Ironshore Canada Liberty International Markel South Western Group SUM Totten Insurance Group Underwriting Solutions LP

Environmental A.M. Fredericks Underwriting Agile Underwriting Solutions Approved Surety & Casualty Inc. April Canada Inc. Aurora Underwriting Services Burns & Wilcox Canada CHES Special Risk Inc. Eagle Underwriting Group Inc. ENCON Group Inc. Ironshore Canada Liberty International Markel South Western Group SUM

Fixed Facilities Approved Surety & Casualty Inc. April Canada Inc. Burns & Wilcox Canada CHES Special Risk Inc. ENCON Group Inc. Ironshore Canada Liberty International Markel South Western Group SUM Totten Insurance Group

Garbage Collection A.M. Fredericks Underwriting Approved Surety & Casualty Inc. Aurora Underwriting Services Burns & Wilcox Canada CHES Special Risk Inc. Liberty International Markel South Western Group SUM Totten Insurance Group Underwriting Solutions LP

Landfill Transfer Stations A.M. Fredericks Underwriting Approved Surety & Casualty Inc. April Canada Inc. Aurora Underwriting Services Burns & Wilcox Canada CHES Special Risk Inc. Liberty International Markel South Western Group SUM Totten Insurance Group

Pesticide Liability A.M. Fredericks Underwriting Approved Surety & Casualty Inc. Burns & Wilcox Canada CHES Special Risk Inc. Ironshore Canada Liberty International Markel South Western Group SUM Totten Insurance Group

Real Estate A.M. Fredericks Underwriting Agile Underwriting Solutions Approved Surety & Casualty Inc. April Canada Inc. Burns & Wilcox Canada CHES Special Risk Inc. Ironshore Canada Liberty International Markel South Western Group

Spotlight On | Travel

C

anada’s tourist boom is creating a big opportunity for brokers in travel insurance lines.

“Brokers should take advantage of opportunities to ask their clients whether or not they have any friends or family travelling from abroad,” says Dan Keon, director of marketing and communications at Allianz Global Assistance in Canada.

“In the same way that [visitors to Canada] are planning what they are going to do and see, a question they should be asking is: ‘Do we have travel insurance in place when we are coming over?’ If they don’t, then the good thing about ‘visitors to Canada’ insurance is that it is available in Canada for the host to purchase on behalf of their visiting family or friends.”

Visitors to Canada insurance is not a new segment of travel insurance – it has been around for a few years – but it’s fast becoming more popular as tourism to Canada increases. Last year, 20.8 million tourists visited Canada as a destina-

tion, according to Statistics Canada — a new record.

Keon observes a common misconception that Canada’s universal health care system applies to visitors from abroad — it does not. Unlike Canadian residents with health care coverage, visitors to Canada will receive a direct bill for medical services rendered, and these bills can be quite high.

A one-day stay at a Canadian hospital can cost up to $4,000 a day, for example. Or an emergency room visit can leave a visitor to Canada up to $1,000 out of pocket.

When placing visitors to Canada insurance, the broker takes down the name of the actual insureds, who receive a copy of the policy. But this can be arranged on the visitor’s behalf by the host family or friends in Canada. “Whether due to a language barrier, or the difficulty of calling into a broker from abroad, sometimes it’s just easier for the host family or friend to book [the insurance] on [the visitor’s] behalf,” Keon says.

Such insurance is designed to cover unforeseen or unexpected medical costs. Coverage could be for minor things such as an ear infection or a walk-in clinic visit, or more serious conditions such as appendicitis, a hip fracture, or something requiring hospital admission as an in-patient.

Quick Facts Between January and April 2018, 1.4 million non-resident travellers outside of the United States have visited Canada. The majority came from Europe and Asia.

August 2018 Canadian Underwriter 75

2018 National Insurance Marketer SUM Totten Insurance Group

Storage Tank Liability Approved Surety & Casualty Inc. April Canada Inc. Burns & Wilcox Canada CHES Special Risk Inc. Eagle Underwriting Group Inc. ENCON Group Inc. Liberty International Markel South Western Group SUM Totten Insurance Group

Transportation A.M. Fredericks Underwriting Burns & Wilcox Canada CHES Special Risk Inc. Eagle Underwriting Group Inc. Liberty International SUM

U.S. Risk Approved Surety & Casualty Inc. Burns & Wilcox Canada CHES Special Risk Inc. Ironshore Canada Liberty International South Western Group SUM

PROPERTY

60 Amp Service A.M. Fredericks Underwriting April Canada Inc. Burns & Wilcox Canada CHES Special Risk Inc. GroupOne Insurance Services South Western Group SUM Totten Insurance Group Underwriting Solutions LP

ATM Machines A.M. Fredericks Underwriting CHES Special Risk Inc. SUM Trinity Underwriting Managers

Builders Risk A.M. Fredericks Underwriting Approved Surety & Casualty Inc. April Canada Inc. Aurora Underwriting Services Burns & Wilcox Canada Can-Sure Underwriting Ltd. CHES Special Risk Inc. Chutter Underwriting Services Echelon Insurance ENCON Group Inc. Evolution Insurance Inc. Frank Cowan Company GROUPASSUR Canada GroupOne Insurance Services Ironshore Canada Liberty International Markel Milnco Insurance Northbridge Insurance SGI Canada South Western Group 76

Canadian Underwriter August 2018

SUM Totten Insurance Group Travelers Canada Underwriting Solutions LP

Claims Frequency A.M. Fredericks Underwriting Approved Surety & Casualty Inc. April Canada Inc. Burns & Wilcox Canada Can-Sure Underwriting Ltd. CHES Special Risk Inc. Chutter Underwriting Services GroupOne Insurance Services Milnco Insurance South Western Group SUM Totten Insurance Group Underwriting Solutions LP

Condo Rental Protection Burns & Wilcox Canada

Contents in Storage A.M. Fredericks Underwriting Approved Surety & Casualty Inc. Burns & Wilcox Canada Can-Sure Underwriting Ltd. CHES Special Risk Inc. Chutter Underwriting Services GROUPASSUR Canada GroupOne Insurance Services Liberty International Markel Northbridge Insurance South Western Group SUM Totten Insurance Group Underwriting Solutions LP

Difference in Conditions Approved Surety & Casualty Inc. Burns & Wilcox Canada CHES Special Risk Inc. Liberty International SUM

Excess Property A.M. Fredericks Underwriting Approved Surety & Casualty Inc. April Canada Inc. Burns & Wilcox Canada Can-Sure Underwriting Ltd. CHES Special Risk Inc. GROUPASSUR Canada GroupOne Insurance Services Ironshore Canada Liberty International Northbridge Insurance South Western Group SUM Totten Insurance Group Travelers Canada

Furriers Approved Surety & Casualty Inc. Burns & Wilcox Canada CHES Special Risk Inc.

Golf Courses A.M. Fredericks Underwriting Approved Surety & Casualty Inc. April Canada Inc. Burns & Wilcox Canada Can-Sure Underwriting Ltd.

Chutter Underwriting Services Milnco Insurance Northbridge Insurance SGI Canada South Western Group SUM Travelers Canada

Greenhouses A.M. Fredericks Underwriting Approved Surety & Casualty Inc. Burns & Wilcox Canada Can-Sure Underwriting Ltd.

Hard to Place Homeowners A.M. Fredericks Underwriting April Canada Inc. Burns & Wilcox Canada CHES Special Risk Inc. Echelon Insurance GROUPASSUR Canada GroupOne Insurance Services Milnco Insurance SUM Totten Insurance Group Underwriting Solutions LP

High Net Worth Homeowners A.M. Fredericks Underwriting Aurora Underwriting Services Burns & Wilcox Canada CHES Special Risk Inc. The Guarantee Totten Insurance Group Travelers Canada Underwriting Solutions LP

High Value Property A.M. Fredericks Underwriting Approved Surety & Casualty Inc. Aurora Underwriting Services Burns & Wilcox Canada Can-Sure Underwriting Ltd. CHES Special Risk Inc. Chutter Underwriting Services GROUPASSUR Canada GroupOne Insurance Services The Guarantee Liberty International Milnco Insurance South Western Group Totten Insurance Group Travelers Canada

Highly Protected Manufacturing Risks A.M. Fredericks Underwriting Approved Surety & Casualty Inc. April Canada Inc. Burns & Wilcox Canada Can-Sure Underwriting Ltd. CHES Special Risk Inc. Chutter Underwriting Services GROUPASSUR Canada GroupOne Insurance Services Ironshore Canada Liberty International Milnco Insurance Northbridge Insurance South Western Group Totten Insurance Group Travelers Canada

Home Closing Delay Burns & Wilcox Canada

Homeowners with Boarders A.M. Fredericks Underwriting April Canada Inc. Burns & Wilcox Canada Can-Sure Underwriting Ltd. CHES Special Risk Inc. GroupOne Insurance Services Milnco Insurance South Western Group SUM Totten Insurance Group Underwriting Solutions LP

Independent Schools/ Day Cares A.M. Fredericks Underwriting Approved Surety & Casualty Inc. April Canada Inc. Burns & Wilcox Canada Can-Sure Underwriting Ltd. CHES Special Risk Inc. Chutter Underwriting Services Ecclesiastical Insurance GROUPASSUR Canada Markel Northbridge Insurance SGI Canada South Western Group SUM Totten Insurance Group

Jewellery A.M. Fredericks Underwriting Approved Surety & Casualty Inc. April Canada Inc. Aurora Underwriting Services Burns & Wilcox Canada CHES Special Risk Inc. The Guarantee SGI Canada South Western Group Totten Insurance Group

Legal Expense A.M. Fredericks Underwriting Approved Surety & Casualty Inc. April Canada Inc. Burns & Wilcox Canada CHES Special Risk Inc. DAS Legal Protection Inc. Echelon Insurance The Guarantee South Western Group Totten Insurance Group

Mobile Homes (Non-Motorized) A.M. Fredericks Underwriting April Canada Inc. Burns & Wilcox Canada Can-Sure Underwriting Ltd. CHES Special Risk Inc. GROUPASSUR Canada GroupOne Insurance Services The Guarantee Milnco Insurance South Western Group SUM Underwriting Solutions LP

Mortgagee In Possession A.M. Fredericks Underwriting Burns & Wilcox Canada Can-Sure Underwriting Ltd.

CONTACT INFO: PP. 84-86

CHES Special Risk Inc. GroupOne Insurance Services South Western Group SUM Totten Insurance Group

Network Breach Business Interruption & Crisis Management Approved Surety & Casualty Inc. Burns & Wilcox Canada CHES Special Risk Inc. Frank Cowan Company Trinity Underwriting Managers

Non-CSA Woodburners A.M. Fredericks Underwriting Approved Surety & Casualty Inc. Burns & Wilcox Canada CHES Special Risk Inc. South Western Group

Nurseries A.M. Fredericks Underwriting Approved Surety & Casualty Inc. April Canada Inc. Burns & Wilcox Canada Can-Sure Underwriting Ltd. CHES Special Risk Inc. Northbridge Insurance SGI Canada

Outbreak Extra Expense (Contagion Insurance Risk) Frank Cowan Company Markel Northbridge Insurance

Primary or Excess Placements A.M. Fredericks Underwriting Approved Surety & Casualty Inc. Burns & Wilcox Canada Can-Sure Underwriting Ltd. CHES Special Risk Inc. Ironshore Canada Northbridge Insurance South Western Group SUM Totten Insurance Group Travelers Canada

Rental Property A.M. Fredericks Underwriting Approved Surety & Casualty Inc. April Canada Inc. Aurora Underwriting Services Burns & Wilcox Canada Can-Sure Underwriting Ltd. CHES Special Risk Inc. Chutter Underwriting Services Echelon Insurance Economical Insurance GROUPASSUR Canada GroupOne Insurance Services Milnco Insurance Northbridge Insurance South Western Group SUM Totten Insurance Group Travelers Canada Underwriting Solutions LP

Residential Stratas A.M. Fredericks Underwriting Burns & Wilcox Canada

Chutter Underwriting Services Milnco Insurance SUM

Travelers Canada Underwriting Solutions LP

Retail Flower Shops A.M. Fredericks Underwriting Approved Surety & Casualty Inc. April Canada Inc. Aurora Underwriting Services Burns & Wilcox Canada Can-Sure Underwriting Ltd. CHES Special Risk Inc. Chutter Underwriting Services GROUPASSUR Canada GroupOne Insurance Services Milnco Insurance Northbridge Insurance SGI Canada Travelers Canada

A.M. Fredericks Underwriting Approved Surety & Casualty Inc. April Canada Inc. Aurora Underwriting Services Burns & Wilcox Canada Can-Sure Underwriting Ltd. CHES Special Risk Inc. Chutter Underwriting Services GROUPASSUR Canada GroupOne Insurance Services Milnco Insurance South Western Group SUM Totten Insurance Group Underwriting Solutions LP

Saw Mills

Substandard Property

Burns & Wilcox Canada Evolution Insurance Inc. Liberty International

A.M. Fredericks Underwriting Approved Surety & Casualty Inc. April Canada Inc. Burns & Wilcox Canada Can-Sure Underwriting Ltd. CHES Special Risk Inc. Chutter Underwriting Services Evolution Insurance Inc. GROUPASSUR Canada GroupOne Insurance Services Milnco Insurance South Western Group SUM Totten Insurance Group Underwriting Solutions LP

Short Term Rentals A.M. Fredericks Underwriting Approved Surety & Casualty Inc. April Canada Inc. Burns & Wilcox Canada Can-Sure Underwriting Ltd. CHES Special Risk Inc. Chutter Underwriting Services GROUPASSUR Canada GroupOne Insurance Services Milnco Insurance Totten Insurance Group Underwriting Solutions LP

Student Dwellings

Terrorism

A.M. Fredericks Underwriting Approved Surety & Casualty Inc. Aurora Underwriting Services Burns & Wilcox Canada CHES Special Risk Inc. The Guarantee

Approved Surety & Casualty Inc. April Canada Inc. Burns & Wilcox Canada CHES Special Risk Inc. Eagle Underwriting Group Inc. Ironshore Canada Liberty International Totten Insurance Group

Spec House for Sale

Tire & Rim

A.M. Fredericks Underwriting Approved Surety & Casualty Inc. April Canada Inc. Burns & Wilcox Canada Can-Sure Underwriting Ltd. CHES Special Risk Inc. GroupOne Insurance Services Milnco Insurance Totten Insurance Group Underwriting Solutions LP

Burns & Wilcox Canada Chutter Underwriting Services SUM

Silverware

Stand Alone Seasonals A.M. Fredericks Underwriting Approved Surety & Casualty Inc. April Canada Inc. Burns & Wilcox Canada Can-Sure Underwriting Ltd. CHES Special Risk Inc. Chutter Underwriting Services Economical Insurance GROUPASSUR Canada GroupOne Insurance Services Milnco Insurance South Western Group SUM Totten Insurance Group

Unusual Buildings A.M. Fredericks Underwriting Approved Surety & Casualty Inc. April Canada Inc. Burns & Wilcox Canada Can-Sure Underwriting Ltd. CHES Special Risk Inc. Chutter Underwriting Services GROUPASSUR Canada GroupOne Insurance Services Ironshore Canada South Western Group SUM Totten Insurance Group Underwriting Solutions LP

Vacant & Idle Buildings A.M. Fredericks Underwriting Approved Surety & Casualty Inc. April Canada Inc. Burns & Wilcox Canada Can-Sure Underwriting Ltd. CHES Special Risk Inc.

Chutter Underwriting Services Echelon Insurance Evolution Insurance Inc. GROUPASSUR Canada GroupOne Insurance Services Milnco Insurance SGI Canada South Western Group SUM Totten Insurance Group Underwriting Solutions LP

Vacant House for Sale A.M. Fredericks Underwriting Approved Surety & Casualty Inc. April Canada Inc. Burns & Wilcox Canada Can-Sure Underwriting Ltd. CHES Special Risk Inc. Chutter Underwriting Services GROUPASSUR Canada GroupOne Insurance Services Milnco Insurance South Western Group SUM Totten Insurance Group Underwriting Solutions LP

Vending Machines A.M. Fredericks Underwriting Approved Surety & Casualty Inc. Burns & Wilcox Canada Can-Sure Underwriting Ltd. CHES Special Risk Inc. Chutter Underwriting Services GROUPASSUR Canada SUM

Weddings Burns & Wilcox Canada

RAILWAY ROLLING STOCK April Canada Inc. Aurora Underwriting Services Burns & Wilcox Canada CHES Special Risk Inc. Eagle Underwriting Group Inc. Liberty International Milnco Insurance South Western Group SUM

REAL PROPERTY

Bridges & Tunnels Burns & Wilcox Canada Can-Sure Underwriting Ltd. CHES Special Risk Inc. Ironshore Canada Liberty International Northbridge Insurance South Western Group SUM Totten Insurance Group Travelers Canada

Dams & Hydro Projects Burns & Wilcox Canada Can-Sure Underwriting Ltd. CHES Special Risk Inc. Ironshore Canada August 2018 Canadian Underwriter 77

2018 National Insurance Marketer Liberty International Northbridge Insurance South Western Group SUM Totten Insurance Group Travelers Canada

Excess Liability April Canada Inc. Aurora Underwriting Services Burns & Wilcox Canada Can-Sure Underwriting Ltd. CHES Special Risk Inc. GROUPASSUR Canada GroupOne Insurance Services Ironshore Canada Liberty International Milnco Insurance Northbridge Insurance South Western Group SUM Totten Insurance Group

Excess Property Aurora Underwriting Services Burns & Wilcox Canada CHES Special Risk Inc. GROUPASSUR Canada Liberty International SUM

Fibre Optics Cable A.M. Fredericks Underwriting Burns & Wilcox Canada CHES Special Risk Inc. Ironshore Canada Northbridge Insurance South Western Group Totten Insurance Group

Piers and Docks A.M. Fredericks Underwriting Burns & Wilcox Canada Can-Sure Underwriting Ltd. CHES Special Risk Inc. South Western Group SUM

Pipelines Burns & Wilcox Canada Can-Sure Underwriting Ltd. CHES Special Risk Inc. Ironshore Canada Liberty International South Western Group

Power Generation BI&I Burns & Wilcox Canada Can-Sure Underwriting Ltd. CHES Special Risk Inc. Ironshore Canada Liberty International Northbridge Insurance South Western Group SUM Travelers Canada

Radio & Television Towers & Equipment A.M. Fredericks Underwriting Burns & Wilcox Canada CHES Special Risk Inc. South Western Group Travelers Canada 78

Canadian Underwriter August 2018

Storage Tanks A.M. Fredericks Underwriting Burns & Wilcox Canada Can-Sure Underwriting Ltd. CHES Special Risk Inc. Liberty International South Western Group SUM Totten Insurance Group

Toll Highways Burns & Wilcox Canada CHES Special Risk Inc. Liberty International Northbridge Insurance South Western Group

U.S. Risks.

Burns & Wilcox Canada CHES Special Risk Inc. Liberty International Northbridge Insurance South Western Group Totten Insurance Group

RENEWABLE ENERGY

Associated Liability Approved Surety & Casualty Inc. April Canada Inc. Burns & Wilcox Canada CHES Special Risk Inc. Chutter Underwriting Services GroupOne Insurance Services Ironshore Canada Liberty International South Western Group SUM Trinity Underwriting Managers

Biomass Approved Surety & Casualty Inc. BI&I Burns & Wilcox Canada CHES Special Risk Inc. GroupOne Insurance Services Ironshore Canada Liberty International South Western Group SUM

Construction of Plants Burns & Wilcox Canada CHES Special Risk Inc. Liberty International Milnco Insurance SUM

Hydro Electric Approved Surety & Casualty Inc. BI&I Burns & Wilcox Canada CHES Special Risk Inc. GroupOne Insurance Services Ironshore Canada Liberty International South Western Group SUM

Installation Risks A.M. Fredericks Underwriting Approved Surety & Casualty Inc. Burns & Wilcox Canada CHES Special Risk Inc.

GroupOne Insurance Services Ironshore Canada Liberty International Milnco Insurance Northbridge Insurance South Western Group SUM Trinity Underwriting Managers

Photo Voltaic Approved Surety & Casualty Inc. BI&I Burns & Wilcox Canada CHES Special Risk Inc. Economical Insurance GroupOne Insurance Services Ironshore Canada Liberty International South Western Group SUM Travelers Canada

Solar Power Approved Surety & Casualty Inc. April Canada Inc. BI&I Burns & Wilcox Canada CHES Special Risk Inc. Economical Insurance Frank Cowan Company GroupOne Insurance Services Ironshore Canada Liberty International South Western Group SUM Travelers Canada Trinity Underwriting Managers

Wind Turbines Approved Surety & Casualty Inc. April Canada Inc. BI&I Burns & Wilcox Canada CHES Special Risk Inc. Frank Cowan Company GroupOne Insurance Services Ironshore Canada Liberty International South Western Group SUM

SALONS A.M. Fredericks Underwriting Agile Underwriting Solutions April Canada Inc. Aurora Underwriting Services Burns & Wilcox Canada Can-Sure Underwriting Ltd. CHES Special Risk Inc. Chutter Underwriting Services Coachman Insurance Company Evolution Insurance Inc. GROUPASSUR Canada Milnco Insurance SGI Canada South Western Group Sports & Fitness Insurance Totten Insurance Group Trinity Underwriting Managers

SCHOOLS

Board of Education Liability Insurance Burns & Wilcox Canada Frank Cowan Company Ironshore Canada SUM Travelers Canada Trisura

Out of the Country Emergency Medical Burns & Wilcox Canada CHES Special Risk Inc.

Student Accident Burns & Wilcox Canada CHES Special Risk Inc.

Tuition Expense Protection Burns & Wilcox Canada CHES Special Risk Inc. Frank Cowan Company Northbridge Insurance

SPORTS & ENTERTAINMENT

AD&D Only Burns & Wilcox Canada CHES Special Risk Inc. Ironshore Canada K&K Canada Markel SUM Sutton Special Risk

Bands A.M. Fredericks Underwriting Burns & Wilcox Canada CHES Special Risk Inc. ENCON Group Inc. SUM Travelers Canada

Concerts, Theatre A.M. Fredericks Underwriting Burns & Wilcox Canada CHES Special Risk Inc. Echelon Insurance ENCON Group Inc. GameDay Insurance Inc. K&K Canada Liberty International Markel South Western Group SUM Sutton Special Risk Totten Insurance Group Travelers Canada

Contractual Bonus/Incentive Burns & Wilcox Canada CHES Special Risk Inc. Sutton Special Risk Totten Insurance Group

Death & Disgrace Burns & Wilcox Canada CHES Special Risk Inc. South Western Group Sutton Special Risk

CONTACT INFO: PP. 84-86

Eco-Adventure/Tourism

Sutton Special Risk

A.M. Fredericks Underwriting Burns & Wilcox Canada Can-Sure Underwriting Ltd. Markel SUM

Player Participation

Event Cancellation Aurora Underwriting Services Burns & Wilcox Canada Can-Sure Underwriting Ltd. GROUPASSUR Canada K&K Canada South Western Group SUM Sutton Special Risk Totten Insurance Group

Film and Entertainment A.M. Fredericks Underwriting Burns & Wilcox Canada CHES Special Risk Inc. K&K Canada Markel South Western Group SUM Travelers Canada

Golf Courses A.M. Fredericks Underwriting Burns & Wilcox Canada CHES Special Risk Inc. Coachman Insurance Company ENCON Group Inc. GameDay Insurance Inc. K&K Canada SGI Canada South Western Group Travelers Canada

Horse Track Racing Burns & Wilcox Canada K&K Canada SUM

Burns & Wilcox Canada CHES Special Risk Inc. GameDay Insurance Inc. Markel Sports & Fitness Insurance

Pro Athletes Life And Disability Burns & Wilcox Canada CHES Special Risk Inc. Sutton Special Risk

Retail Sales Promotion

Burns & Wilcox Canada CHES Special Risk Inc.

Sports Associations Burns & Wilcox Canada CHES Special Risk Inc. Coachman Insurance Company Echelon Insurance ENCON Group Inc. GameDay Insurance Inc. GROUPASSUR Canada K&K Canada Markel SGI Canada South Western Group Sports & Fitness Insurance SUM Totten Insurance Group Trisura Underwriting Solutions LP

Sports, Accident and Liability

Travelling Athletes Burns & Wilcox Canada CHES Special Risk Inc. GameDay Insurance Inc. Sutton Special Risk

Non-Appearance

8 on the Break

Occupational AD&D Burns & Wilcox Canada CHES Special Risk Inc. Ironshore Canada

Burns & Wilcox Canada South Western Group Sutton Special Risk

Coupon Over Redemption

Burns & Wilcox Canada CHES Special Risk Inc. GROUPASSUR Canada Markel MedThree Insurance Group South Western Group SUM Burns & Wilcox Canada CHES Special Risk Inc. K&K Canada South Western Group Sutton Special Risk Totten Insurance Group

Bowl

Riding Instructors, Accident and Weekly Indemnity

Medical Malpractice

Loss of Use Cover

Burns & Wilcox Canada Echelon Insurance K&K Canada South Western Group Sutton Special Risk

Contractors Bonus Incentives

Burns & Wilcox Canada CHES Special Risk Inc. Sutton Special Risk

Burns & Wilcox Canada CHES Special Risk Inc.

Bean Bag Toss

April Canada Inc. Burns & Wilcox Canada Can-Sure Underwriting Ltd. CHES Special Risk Inc. SUM

Burns & Wilcox Canada CHES Special Risk Inc. GameDay Insurance Inc. K&K Canada Markel South Western Group Sports & Fitness Insurance SUM Underwriting Solutions LP

Jockey, Accident & Weekly Indemnity

Sutton Special Risk Totten Insurance Group

Burns & Wilcox Canada CHES Special Risk Inc. South Western Group Sutton Special Risk

Burns & Wilcox Canada South Western Group

Air Show

Number Match Burns & Wilcox Canada Echelon Insurance South Western Group Sutton Special Risk

Paper Airplane Toss Burns & Wilcox Canada South Western Group

Prize Indemnity

Burns & Wilcox Canada CHES Special Risk Inc. K&K Canada South Western Group

Excess Liability

Promotion Incentives

Burns & Wilcox Canada CHES Special Risk Inc. K&K Canada Markel South Western Group

Burns & Wilcox Canada CHES Special Risk Inc. Echelon Insurance South Western Group Sutton Special Risk

Fish Weight

Radio Promo

Burns & Wilcox Canada Echelon Insurance South Western Group

South Western Group Sutton Special Risk

Football Field Goal

Burns & Wilcox Canada South Western Group

Burns & Wilcox Canada Echelon Insurance GROUPASSUR Canada K&K Canada South Western Group Sutton Special Risk

Golf Courses Burns & Wilcox Canada K&K Canada Northbridge Insurance Sutton Special Risk

Hockey Goal Burns & Wilcox Canada Echelon Insurance GROUPASSUR Canada K&K Canada South Western Group Sutton Special Risk Totten Insurance Group Burns & Wilcox Canada Echelon Insurance GROUPASSUR Canada K&K Canada Sutton Special Risk Totten Insurance Group Travelers Canada

Sutton Special Risk

Lacrosse Target

Basketball Shoot

Burns & Wilcox Canada Echelon Insurance K&K Canada South Western Group Sutton Special Risk Totten Insurance Group

Burns & Wilcox Canada CHES Special Risk Inc. Echelon Insurance K&K Canada South Western Group

Burns & Wilcox Canada Echelon Insurance South Western Group Sutton Special Risk

Burns & Wilcox Canada CHES Special Risk Inc. Echelon Insurance GROUPASSUR Canada K&K Canada South Western Group Sutton Special Risk Totten Insurance Group

Hole in One SPORTS PROMOTION

Lucky Key Pick

Skeet Perfect Game

Tag Fish Burns & Wilcox Canada Echelon Insurance South Western Group Sutton Special Risk Totten Insurance Group

Weather Promos GROUPASSUR Canada South Western Group Sutton Special Risk

TERRORISM & SABOTAGE A.M. Fredericks Underwriting April Canada Inc. Aurora Underwriting Services Burns & Wilcox Canada CHES Special Risk Inc. Eagle Underwriting Group Inc. Frank Cowan Company Ironshore Canada Liberty International Markel South Western Group Sutton Special Risk XL Catlin

TRAVEL

Accident Burns & Wilcox Canada CHES Special Risk Inc. August 2018 Canadian Underwriter 79

2018 National Insurance Marketer Sutton Special Risk

Baggage CHES Special Risk Inc. Sutton Special Risk

Business/Medical/Excess Medical Burns & Wilcox Canada CHES Special Risk Inc. Sutton Special Risk

Northbridge Insurance Premier Group of Companies Travelers Canada

UMBRELLA AND EXCESS LIABILITY

Burns & Wilcox Canada CHES Special Risk Inc. ENCON Group Inc. Sutton Special Risk

A.M. Fredericks Underwriting Agile Underwriting Solutions April Canada Inc. Aurora Underwriting Services Burns & Wilcox Canada Can-Sure Underwriting Ltd. CHES Special Risk Inc. Chutter Underwriting Services Coachman Insurance Company Economical Insurance ENCON Group Inc. Evolution Insurance Inc. GROUPASSUR Canada GroupOne Insurance Services The Guarantee Ironshore Canada Liberty International Markel Milnco Insurance Northbridge Insurance SGI Canada South Western Group SUM Totten Insurance Group Travelers Canada Trinity Underwriting Managers Underwriting Solutions LP XL Catlin

Strikes, Riots and Civil Commotion

UTILITIES

Excess Health Burns & Wilcox Canada CHES Special Risk Inc. Sutton Special Risk

Expatriate Term Life Including War Risk Burns & Wilcox Canada CHES Special Risk Inc. Sutton Special Risk

Health Burns & Wilcox Canada CHES Special Risk Inc. Sutton Special Risk

Kidnap and Ransom Aurora Underwriting Services Burns & Wilcox Canada Ironshore Canada Sutton Special Risk

Out Of Country Emergency Medical

Burns & Wilcox Canada CHES Special Risk Inc. Sutton Special Risk

Trip Cancellation

BI&I Burns & Wilcox Canada Can-Sure Underwriting Ltd. CHES Special Risk Inc. Ironshore Canada Liberty International Northbridge Insurance SUM

Burns & Wilcox Canada CHES Special Risk Inc. Sutton Special Risk

WAREHOUSING

Student Medical Burns & Wilcox Canada CHES Special Risk Inc. Sutton Special Risk

Vacation Rental/Security Deposit Insurance Burns & Wilcox Canada CHES Special Risk Inc.

Visitors Medical Burns & Wilcox Canada CHES Special Risk Inc. Sutton Special Risk

TRIP TRANSIT April Canada Inc. Aurora Underwriting Services Burns & Wilcox Canada Can-Sure Underwriting Ltd. CHES Special Risk Inc. Chutter Underwriting Services Eagle Underwriting Group Inc. Echelon Insurance Markel 80

Canadian Underwriter August 2018

American Home Burns & Wilcox Canada CHES Special Risk Inc.

Distilled Spirits A.M. Fredericks Underwriting Burns & Wilcox Canada CHES Special Risk Inc. SUM

Excess Liability A.M. Fredericks Underwriting April Canada Inc. Burns & Wilcox Canada Can-Sure Underwriting Ltd. CHES Special Risk Inc. Eagle Underwriting Group Inc. GroupOne Insurance Services Liberty International Markel SUM

General A.M. Fredericks Underwriting April Canada Inc. Burns & Wilcox Canada Can-Sure Underwriting Ltd. CHES Special Risk Inc. Chutter Underwriting Services Eagle Underwriting Group Inc. Economical Insurance Liberty International Markel Milnco Insurance Northbridge Insurance SUM Trinity Underwriting Managers

Grain Elevators A.M. Fredericks Underwriting April Canada Inc. Burns & Wilcox Canada CHES Special Risk Inc. Liberty International Northbridge Insurance SUM

CHES Special Risk Inc. Echelon Insurance

Marine Craft Approved Surety & Casualty Inc. Burns & Wilcox Canada

New Buildings Approved Surety & Casualty Inc. Burns & Wilcox Canada

New Home Construction and Deposit Protection Approved Surety & Casualty Inc. Burns & Wilcox Canada Echelon Insurance Travelers Canada Trisura

Plumbing, Electrical Installations, Heating Approved Surety & Casualty Inc. Burns & Wilcox Canada Echelon Insurance Travelers Canada

Stand Alone Personal Lines

Recreation Vehicle Extended Warranties

A.M. Fredericks Underwriting Burns & Wilcox Canada Can-Sure Underwriting Ltd. CHES Special Risk Inc.

Approved Surety & Casualty Inc. Burns & Wilcox Canada Trisura

WARRANTY

Appliance, Home Approved Surety & Casualty Inc. Burns & Wilcox Canada CHES Special Risk Inc. Echelon Insurance Travelers Canada Trisura

Commercial Equipment Approved Surety & Casualty Inc. Burns & Wilcox Canada

Engines, Rebuilt Burns & Wilcox Canada

Extended Care For New and Used Auto Burns & Wilcox Canada CHES Special Risk Inc. Echelon Insurance Travelers Canada Trisura

Extended Product Approved Surety & Casualty Inc. Burns & Wilcox Canada Echelon Insurance Northbridge Insurance Travelers Canada Trisura

Scratch and Dent CHES Special Risk Inc.

Used Auto CHES Special Risk Inc. Travelers Canada Trisura

WEATHER Burns & Wilcox Canada CHES Special Risk Inc. GROUPASSUR Canada Liberty International South Western Group Sutton Special Risk

WHOLESALE, RETAIL, SERVICE

ATMs A.M. Fredericks Underwriting Burns & Wilcox Canada CHES Special Risk Inc. ENCON Group Inc. South Western Group SUM

Auto Dealers Showroom

Approved Surety & Casualty Inc. Burns & Wilcox Canada Echelon Insurance Travelers Canada Trisura

A.M. Fredericks Underwriting Burns & Wilcox Canada CHES Special Risk Inc. Chutter Underwriting Services Coachman Insurance Company ENCON Group Inc. Northbridge Insurance SGI Canada South Western Group Travelers Canada

Manufactured Home Warranty

Automobile Repair Garages & Service Stations

Approved Surety & Casualty Inc. Burns & Wilcox Canada

A.M. Fredericks Underwriting April Canada Inc.

Limited Depreciation

CONTACT INFO: PP. 84-86

Burns & Wilcox Canada Can-Sure Underwriting Ltd. CHES Special Risk Inc. Chutter Underwriting Services Coachman Insurance Company Economical Insurance ENCON Group Inc. GroupOne Insurance Services Markel Milnco Insurance Northbridge Insurance SGI Canada SUM Totten Insurance Group Travelers Canada

CHES Special Risk Inc. Chutter Underwriting Services Coachman Insurance Company Economical Insurance ENCON Group Inc. GROUPASSUR Canada GroupOne Insurance Services Markel Milnco Insurance SGI Canada South Western Group SUM Travelers Canada Trinity Underwriting Managers

Building Centres

A.M. Fredericks Underwriting April Canada Inc. Aurora Underwriting Services Burns & Wilcox Canada Can-Sure Underwriting Ltd. CHES Special Risk Inc. Chutter Underwriting Services Coachman Insurance Company Economical Insurance ENCON Group Inc. GROUPASSUR Canada GroupOne Insurance Services Liberty International Markel Milnco Insurance Northbridge Insurance SGI Canada South Western Group SUM Totten Insurance Group Travelers Canada Underwriting Solutions LP

A.M. Fredericks Underwriting April Canada Inc. Aurora Underwriting Services Burns & Wilcox Canada Can-Sure Underwriting Ltd. CHES Special Risk Inc. Chutter Underwriting Services Coachman Insurance Company Economical Insurance ENCON Group Inc. GROUPASSUR Canada GroupOne Insurance Services Liberty International Markel Milnco Insurance Northbridge Insurance SGI Canada South Western Group SUM Travelers Canada

Building Supply Stores A.M. Fredericks Underwriting April Canada Inc. Aurora Underwriting Services Burns & Wilcox Canada Can-Sure Underwriting Ltd. CHES Special Risk Inc. Chutter Underwriting Services Coachman Insurance Company Economical Insurance ENCON Group Inc. GROUPASSUR Canada GroupOne Insurance Services Markel Milnco Insurance Northbridge Insurance SGI Canada South Western Group SUM Travelers Canada

Coin Dealers A.M. Fredericks Underwriting Burns & Wilcox Canada CHES Special Risk Inc. Chutter Underwriting Services South Western Group SUM

Computer Retailers or Wholesalers A.M. Fredericks Underwriting April Canada Inc. Burns & Wilcox Canada Can-Sure Underwriting Ltd.

Convenience Stores

Dealer Floor Plans Burns & Wilcox Canada CHES Special Risk Inc. ENCON Group Inc. South Western Group

Dental Equipment Dealers A.M. Fredericks Underwriting April Canada Inc. Burns & Wilcox Canada CHES Special Risk Inc. ENCON Group Inc. GROUPASSUR Canada GroupOne Insurance Services Markel MedThree Insurance Group South Western Group SUM Totten Insurance Group Travelers Canada Trinity Underwriting Managers

Equipment Dealers A.M. Fredericks Underwriting April Canada Inc. Burns & Wilcox Canada Can-Sure Underwriting Ltd. CHES Special Risk Inc. Chutter Underwriting Services Coachman Insurance Company Eagle Underwriting Group Inc. Economical Insurance ENCON Group Inc. GROUPASSUR Canada

GroupOne Insurance Services Markel Milnco Insurance Northbridge Insurance SGI Canada South Western Group SUM Totten Insurance Group Travelers Canada Trinity Underwriting Managers

Excess Liability A.M. Fredericks Underwriting April Canada Inc. Aurora Underwriting Services Burns & Wilcox Canada Can-Sure Underwriting Ltd. CHES Special Risk Inc. Chutter Underwriting Services ENCON Group Inc. GROUPASSUR Canada GroupOne Insurance Services Ironshore Canada Liberty International Markel Milnco Insurance South Western Group SUM Totten Insurance Group Travelers Canada

Farm Equipment Dealers A.M. Fredericks Underwriting Burns & Wilcox Canada Can-Sure Underwriting Ltd. CHES Special Risk Inc. Chutter Underwriting Services Coachman Insurance Company Eagle Underwriting Group Inc. Economical Insurance ENCON Group Inc. GroupOne Insurance Services Ironshore Canada Liberty International Milnco Insurance Northbridge Insurance SGI Canada South Western Group SUM Travelers Canada

GroupOne Insurance Services Ironshore Canada Liberty International South Western Group SUM Totten Insurance Group Travelers Canada

Florists A.M. Fredericks Underwriting April Canada Inc. Aurora Underwriting Services Burns & Wilcox Canada Can-Sure Underwriting Ltd. CHES Special Risk Inc. Chutter Underwriting Services Coachman Insurance Company Economical Insurance ENCON Group Inc. GROUPASSUR Canada GroupOne Insurance Services Markel Milnco Insurance Northbridge Insurance SGI Canada Totten Insurance Group Travelers Canada

Foreign/U.S.A. Sales A.M. Fredericks Underwriting April Canada Inc. Burns & Wilcox Canada Can-Sure Underwriting Ltd. CHES Special Risk Inc. Chutter Underwriting Services ENCON Group Inc. GROUPASSUR Canada GroupOne Insurance Services Liberty International Markel Milnco Insurance Northbridge Insurance South Western Group SUM Totten Insurance Group Travelers Canada Trinity Underwriting Managers

Furriers Block

A.M. Fredericks Underwriting April Canada Inc. Burns & Wilcox Canada CHES Special Risk Inc. ENCON Group Inc. GroupOne Insurance Services Liberty International Markel Northbridge Insurance SUM Totten Insurance Group

A.M. Fredericks Underwriting April Canada Inc. Burns & Wilcox Canada CHES Special Risk Inc. Greenhouses A.M. Fredericks Underwriting Burns & Wilcox Canada Chutter Underwriting Services ENCON Group Inc. Liberty International SUM Travelers Canada

Fine Arts

Jewellers Block

A.M. Fredericks Underwriting April Canada Inc. Aurora Underwriting Services Burns & Wilcox Canada Can-Sure Underwriting Ltd. CHES Special Risk Inc. Eagle Underwriting Group Inc. ENCON Group Inc.

April Canada Inc. Aurora Underwriting Services Burns & Wilcox Canada CHES Special Risk Inc. Eagle Underwriting Group Inc. GroupOne Insurance Services Liberty International South Western Group

Feed Mills

August 2018 Canadian Underwriter 81

2018 National Insurance Marketer Laundry/Dry Cleaners

GroupOne Insurance Services

A.M. Fredericks Underwriting April Canada Inc. Burns & Wilcox Canada Can-Sure Underwriting Ltd. CHES Special Risk Inc. Chutter Underwriting Services Coachman Insurance Company ENCON Group Inc. GROUPASSUR Canada GroupOne Insurance Services Northbridge Insurance SGI Canada South Western Group SUM

Protective Services Industry

Mercentile Risks April Canada Inc. Aurora Underwriting Services Burns & Wilcox Canada Chutter Underwriting Services Milnco Insurance

Motorcycle Dealers A.M. Fredericks Underwriting Burns & Wilcox Canada CHES Special Risk Inc. ENCON Group Inc. Markel SGI Canada South Western Group SUM Travelers Canada

Nursery/Garden Centre A.M. Fredericks Underwriting April Canada Inc. Burns & Wilcox Canada CHES Special Risk Inc. Chutter Underwriting Services ENCON Group Inc. Liberty International Markel Northbridge Insurance SUM Totten Insurance Group Travelers Canada

Pay Day Loans Burns & Wilcox Canada

82

Canadian Underwriter August 2018

A.M. Fredericks Underwriting Burns & Wilcox Canada Can-Sure Underwriting Ltd. CHES Special Risk Inc. Chutter Underwriting Services GroupOne Insurance Services Liberty International Markel South Western Group SUM Totten Insurance Group

Rental Equipment Dealers A.M. Fredericks Underwriting Burns & Wilcox Canada CHES Special Risk Inc. Chutter Underwriting Services Coachman Insurance Company Economical Insurance ENCON Group Inc. GROUPASSUR Canada GroupOne Insurance Services Liberty International Markel Milnco Insurance Northbridge Insurance SGI Canada South Western Group SUM Totten Insurance Group Travelers Canada Underwriting Solutions LP

Retail Chain Package A.M. Fredericks Underwriting April Canada Inc. Aurora Underwriting Services Burns & Wilcox Canada Can-Sure Underwriting Ltd. CHES Special Risk Inc. Economical Insurance ENCON Group Inc. GROUPASSUR Canada GroupOne Insurance Services Liberty International Milnco Insurance South Western Group

SUM Travelers Canada

RV Dealers A.M. Fredericks Underwriting Burns & Wilcox Canada CHES Special Risk Inc. Coachman Insurance Company ENCON Group Inc. SGI Canada South Western Group SUM

Safety Deposit Boxes Burns & Wilcox Canada CHES Special Risk Inc. Eagle Underwriting Group Inc. Ironshore Canada South Western Group

Self Storage Facilities A.M. Fredericks Underwriting Burns & Wilcox Canada Can-Sure Underwriting Ltd. CHES Special Risk Inc. Chutter Underwriting Services Coachman Insurance Company Economical Insurance ENCON Group Inc. GROUPASSUR Canada GroupOne Insurance Services Liberty International Milnco Insurance Northbridge Insurance SGI Canada South Western Group SUM Travelers Canada

Specie A.M. Fredericks Underwriting Aurora Underwriting Services Burns & Wilcox Canada CHES Special Risk Inc. Eagle Underwriting Group Inc. ENCON Group Inc. Ironshore Canada Liberty International South Western Group SUM

U.S. Risks A.M. Fredericks Underwriting Burns & Wilcox Canada Can-Sure Underwriting Ltd. CHES Special Risk Inc. Chutter Underwriting Services Ironshore Canada Liberty International Markel South Western Group SUM Totten Insurance Group Travelers Canada Trinity Underwriting Managers

Video Lottery Terminals A.M. Fredericks Underwriting April Canada Inc. Burns & Wilcox Canada CHES Special Risk Inc. Coachman Insurance Company ENCON Group Inc. SGI Canada SUM

Your Insurance News Source .ca

Sign-Up at http://bit.ly/cudaily to receive Canadian Underwriter’s free DAILY e-Newsletter each morning – containing all of the latest industry news, press releases, blogs, events, careers and more.

2018 National Insurance Marketer

Company Contacts

A

B

A.M. FREDERICKS UNDERWRITING MANAGEMENT LTD.

BI&I – THE BOILER INSPECTION & INSURANCE COMPANY OF CANADA

339 Westney Rd. S., Suite 201 Ajax, Ont. L1S 7J6 905-428-1269 Fax: 905-428-3977 Toll Free: 888-302-9215 quotes@amfredericks.com amfredericks.com

390 Bay St., Suite 2000 Toronto, Ont. M5H 2Y2 416-362-1203 Fax: 416-362-6601 biico.com Michael Storey 416-216-7224 mstorey@biico.com

COACHMAN INSURANCE COMPANY 10 Four Seasons Place, Suite 200 Toronto, Ont. M9B 6H7 416-255-3417 Fax: 416-255-3347 Toll Free: 800-361-2622 coachmaninsurance.ca Kevin Smith 416-354-8251 kevinsmith@sgicanada.ca

AGILE UNDERWRITING SOLUTIONS 1550 Bedford Hwy., Suite 815 Bedford, NS B4A 1E6 Fax: 877-432-9822 Toll Free: 877-343-8224 brett.graham@agileuw.ca agileuw.ca

APPROVED SURETY & CASUALTY INC. 38 Greensboro Dr., 2nd Floor Toronto, Ont. M9W 1E1 Toll Free: 877-495-8777 surety@approvedsurety.com approvedsurety.com Darren Miller 416-900-0874 darren@approvedsurety.com

BURNS & WILCOX CANADA Bay Adelaide Centre, West Tower, 333 Bay St., Suite 850 Toronto, Ont. M5H 2R2 416-774-2477 Fax: 416-497-7581 Toll Free: 888-591-9125 toronto@burns-wilcox.ca burnsandwilcox.ca Paul Clarke 416-774-2477 toronto@burns-wilcox.ca

C CANSURE

APRIL CANADA INC. 235 Yorkland Blvd., Suite 1100 Toronto, Ont. M2J 4Y8 Toll Free: 855-745-1010 info@april.ca april.ca

AURORA UNDERWRITING SERVICES INC. 9363 50 St., Suite 6 Edmonton, Alta. T6B 2L5 780-442-2240 Fax: 780-428-8143 Toll Free: 866-328-1314 auroraunderwriting.com Nona McCreedy 780-442-2240

700 West Georgia St., Suite 1488 Vancouver, BC V7Y 1A1 Fax: 604-685-6554 Toll Free: 877-685-6533 cansure.com Cameron Copeland ccopeland@can-sure.com

CHES SPECIAL RISK INC. 88 Queens Quay W., Suite 2500 Toronto, Ont. M5J 0B8 647-256-5155 chesspecialrisk.ca Gary Hirst 416-452-7850 gary.hirst@chesspecialrisk.ca

CHUTTER UNDERWRITING SERVICES 401-850 Harbourside Dr. North Vancouver, BC V7P 0A3 Fax: 604-984-6140 Toll Free: 888-382-6697 morgan@chutteruw.com chutteruw.com Morgan Chutter 604-984-0285

84

Canadian Underwriter August 2018

D DAS LEGAL PROTECTION INC. 390 Bay St., Suite 1610 Toronto, Ont. M5H 2Y2 416-342-5400 Fax: 416-342-5430 Toll Free: 888-582-5586 info@das.ca das.ca

E EAGLE UNDERWRITING GROUP INC. 201 County Court Blvd., Suite 505 Brampton, Ont. L6W 4L2 905-455-6608 Fax: 905-455-5298 info@eagleunderwriting.com eagleunderwriting.com

ECCLESIASTICAL INSURANCE OFFICE PLC 20 Eglinton Ave. W., Suite 2200 Toronto, Ont. M4R 1K8 416-484-4555 Toll Free: 888-344-5599 (Ontario) ecclesiastical.ca

ECHELON INSURANCE 2680 Matheson Blvd E., Suite 300 Mississauga, Ont. L4W 0A5 905-214-7880 Fax: 905-214-7893 Toll Free: 800-324-3566 marketing@echeloninsurance.ca echeloninsurance.ca

L ECONOMICAL INSURANCE

GROUPASSUR CANADA

111 Westmount Rd. S., PO Box 2000 Waterloo, Ont. N2J 4S4 519-570-8500 Fax: 519-570-8389 Toll Free: 800-265-9996 economicalinsurance.com

3601 Highway 7 E., Suite 400 Markham, Ont. L3R 0M3 Toll Free: 866-254-4221 underwriting@groupassur.com groupassur.com

GROUPONE INSURANCE SERVICES INC. ENCON GROUP INC. 1400 Blair Place, Suite 500 Ottawa, Ont. K1J 9B8 613-786-2000 Fax: 613-786-2001 Toll Free: 800-267-6684 info@encon.ca encon.ca Ted Bellinger 613-786-2203 ted.p.bellinger@encon.ca

EVOLUTION INSURANCE INC. 1027 des Enterprises Blvd. W., Suite 201 Terrebonne, Que. J6Y 1V2 450-621-2020 Fax: 866-458-7776 Toll Free: 877-347-0777 gb@evolutioninsurance.ca evolutioninsurance.ca/en

F FRANK COWAN COMPANY 75 Main St. N. Princeton, Ont. N0J 1V0 519-458-4331 Fax: 519-458-4366 Toll Free: 800-265-4000 mail@frankcowan.com frankcowan.com

50 Leek Cres.

Richmond Hill, Ont. L4B 3P6 905-305-0852 Fax: 905-305-9884 Toll Free: 888-489-2234 insureit@grouponeis.com grouponeis.com

THE GUARANTEE COMPANY OF NORTH AMERICA

GAMEDAY INSURANCE INC. 435 McNeilly Rd., Suite 205 Stoney Creek, Ont. L8E 5E3 Fax: 905-643-3483 Toll Free: 866-661-7507 info@gamedayinsurance.ca gamedayinsurance.ca Melissa LaRocca 866-661-7507 mlarocca@gamedayinsurance.ca

181 Bay St., Suite 900 Toronto, Ont. M5J 2T3 416-365-7587 Fax: 416-307-4372 Toll Free: 800-461-5079 LIUCanadaInfo@LibertyIU.com liucanada.com Susan DuHamel 416-216-2030 susan.duhamel@libertyiu.com

M MARKEL

4950 Yonge St., Madison Centre, Suite 1400 Toronto, Ont. M2N 6K1 416-223-9580 Fax: 416-223-6577 Toll Free: 800-268-6617 theguarantee.com

200 Wellington St. W., Suite 400 Toronto, Ont. M5V 3C7 416-601-1133 Fax: 416-601-1150 Toll Free: 877-771-1211 markelinternational.ca Maddie Dickson 416-933-3685 maddie.dickson@markelintl.ca

I

MEDTHREE INSURANCE GROUP

IRONSHORE CANADA 333 Bay St., Suite 1120 Toronto, Ont. M5H 2R2 ironshore.com Susan DuHamel 416-216-2030 susan.duhamel@libertyiu.com

K K&K CANADA

G

LIBERTY INTERNATIONAL UNDERWRITERS

101-5800 Explorer Dr. Mississauga, Ont. L4W 5K9 Fax: 905-602-9141 Toll Free: 800-753-2632 kandkcanada.com Kevin Dannemann 800-753-2632 ext 6405 kevin.dannemann@kandkcanada.com

106 Front St. E., Suite 303 Toronto, Ont. M5A 1E1 416-477-2353 medthreeinsurance.com Neil McRuer 416-477-2340 neil@medthreeinsurance.com

MILNCO INSURANCE BROKER SOLUTION CENTRE 330 St. Mary Ave., Suite 1170 Winnipeg, MB R3C 3Z5 204-949-7000 Fax: 204-943-7053 Toll Free: 1-888-645-6261 commercial@milnco.ca www.milnco.ca

N NORTHBRIDGE INSURANCE 105 Adelaide St. W., Suite 700 Toronto, Ont. M5H 1P9 416-350-4400 Toll Free: 855-620-6262 info@nbfc.com nbins.com August 2018 Canadian Underwriter 85

2018 National Insurance Marketer

Company Contacts

S

T

U

SGI CANADA

TOTTEN INSURANCE GROUP

UNDERWRITING SOLUTIONS LP

2260 11th Ave., 12th Floor Regina, Sask. S4P 0J9 306-751-1663 sgicanada.ca

20 Dundas St. W., Suite 910 Toronto, Ont. M5G 2C2 Toll Free: 888-868-8367 tottengroup.com

SOUTH WESTERN GROUP

TRAVELERS CANADA

1800, 600 3rd Ave. SW Calgary, Alta. T2P 0G5 403-693-3760 Fax: 403-267-7705 USLPBroker@uslp.ca uslp.ca

401 The West Mall, Suite 700 Toronto, Ont. M9C 5J5 Fax: 877-329-2794 Toll Free: 800-668-4275 askus@swgins.com swgins.com Ghazal Hamid 416-642-6974 ghazal.hamid@swgins.com

165 University Ave. Toronto, Ont. M5H 3B9 416-360-8183 Fax: 877-762-7907 Toll Free: 800-330-5033 travelerscanada.ca

SPORTS &FITNESS INSURANCE CANADA 1054 Adelaide St. N. London, Ont. N5Y 2N1 519-672-3224 Fax: 519-439-8865 Toll Free: 888-346-6602 info@sportsfitnesscanada.com sportsfitnesscanada.com Lauren Santos 519-672-3224 ext 216 lauren@sportsfitnesscanada.com

SUM – STRATEGIC UNDERWRITING MANAGERS INC. 18 King St. E., Suite 903 Toronto, Ont. M5C 1C4 416-603-7864 Fax: 416-603-7861 Toll Free: 877-603-7864 jeff.somerville@suminsurance.ca suminsurance.ca

SUTTON SPECIAL RISK 33 Yonge St., Suite 270 Toronto, Ont. M5E 1G4 416-366-2223 Fax: 416-366-4608 Toll Free: 800-461-3292 suttonspecialrisk.com

86

Canadian Underwriter August 2018

TRINITY UNDERWRITING MANAGERS LTD. 55 York St., Suite 400 Toronto, Ont. M5J 1R7 416-363-2322 Fax: 416-362-0278 info@trinityunderwriting.ca trinityunderwriting.ca

TRISURA GUARANTEE INSURANCE COMPANY 333 Bay St., Suite 1610, Box 22 Toronto, Ont. M5H 2R2 416-214-2555 Fax: 416-214-9597 info@trisura.com trisura.com

X XL CATLIN 100 King St. W. Toronto, Ont. M5X 1C9 416-644-3330 Betty.bingler@xlcatlin.com xlcatlin.com/insurance

Continually Updated!

NATIONAL

Insurance brokers! Find the specialized insurance coverage your clients need at InsuranceMarketer.com:Canada’s original online directory of specialty, niche and non-standard insurance products.

• Find markets for 100s of risks, from air conditioning to zebra mussels • Fully searchable by product and provider • Continually updated by carriers, MGAs and wholesalers themselves • Query providers directly from the site

Save time. Satisfy more customers. www.InsuranceMarketer.com

Inside What’s new in claims management

www.claimscanada.ca August-September

The mental side of building flood resilience

Water woes

Specialty markets

2018

Your 46th annua l guide to

Prefer print? Order additional copies of the 2018 National Insurance Marketer for just $10 at: www.CanadianUnderwriter.ca/buynim

Here’s the scoop: Niche coverag Discover the e is taking opportunities in today’s hottest over! where to place more than 900 lines and varieties of specialty risk

AUGUST 2018 PM#40063170

+

Detecting the industry’s frauds

BY AMANDA HOLDEN ters Preparing for court: How your

BY JOSEPH OPPENHEIM client sees you The next revolut ion in auto safety

BY BRUCE CARRICK

PM40063170

MOVES & VIEWS

UPCOMING EVENTS: FOR A COMPLETE LIST VISIT

www.canadianunderwriter.ca

1

Claims sevices firm Maltman International, a CRU Group company, has welcomed Darren Farrell [1a] as its associate director. Farrell has 26 years of experience in the handling of commercial process and hazards; building construction and construction deficiency; large construction-related liability files; and miscellaneous liability. In addition, Maltman’s expanding Toronto location has added five new adjusters.

Pam Zdrilich [1b] and Paul Quinn [1c] will report to the company’s assistant director of claims, Varma Singh [1d]. Reporting to Farrell are Robert Rosenthal [1e], Grant Seppanen [1f], and Andrea Rowe [1g]. Rosenthal has been an insurance professional for 29 years, handling all levels of CGL, firstparty property, inland marine, environmental impairment liability and miscellaneous liability claims. Seppanen, who has been an insurance professional for more than 30 years, has handled professional liability, environmental impairment, CGL, first-party property and condominium claims. Quinn’s 20-plus-year career includes specialized experience in general liability, malpractice, directors’ and officers’ (D&O) liability, errors and omissions (E&O), environmental, property, municipal and bodily injury

88

Canadian Underwriter August 2018

claims. Rowe has more than 20 years’ experience handling GGL, automobile liability and property claims.

Zdrilich is a 30-year veteran in the industry, handling automobile, property (both personal and commercial), as well as commercial liability claims including premises risk, operation risk and product liability.

1a

1b

2

Louis Durocher has been appointed president and CEO of Hartland Farm Mutual Inc. Most recently the chief risk officer for Aviva Canada, Durocher had overall responsibility for risk, Own Risk and Solvency Assessment, and relationships with regulators that include OSFI. Before joining Aviva, Durocher held a number of senior positions with The Economical Insurance Group.

3

The senior leadership team of 30 Forensic Engineering has acquired the firm, buying the interest of founding partner Chris Giffen, who will be resigning his position as CEO and president. “As I announced to the firm in mid-2017, after 16 wonderful years of working with the finest in the forensic engineering business, it is time for me to pass the proverbial baton to the next group of visionaries and to

1f explore new opportunities and life adventures,” Giffen said. The new president will be Jamie Catania, a firm veteran of 15 years.

The respected engineer and mentor brings more than 20 years of experience to the role. Also, 30 Forensic Engineering augmented its fire investigation group with the appointment of Brandon Northrup, who has 15 years of experience as a fire chief and firefighter.

4

Mike Alwyn [4] has been promoted to the role of chief operating officer of Sedgwick Canada. Previously, he served as senior vice president of specialty services for

1g Vericlaim Canada. Alwyn has 30 years of experience in insurance claims adjusting, specializing in mining, commercial property, course of construction and jeweler’s block/fine arts. Additionally, Sedgwick has expanded into Grand Falls, N.B., welcoming adjuster Richard Michaud in the process. Michaud has nearly a decade of experience adjusting claims across all lines. His licenses include a Level 3 adjuster license and a damage appraiser license. He is fluent in both English and French. Finally, Robert Rochon will join the team as senior claims adjuster for Sedgwick Canada. Rochon has held direct management and supervisory positions with senior

MOVES & VIEWS

ance products in the Canadian market, including professional liability, errors and omissions and corporate risks.

1c

4 adjusters and members of the special investigation unit at major insurers throughout his career. Since 2016, Rochon has been working as a duly authorized trainer for various major organizations recognized in Quebec.

5

International Programs Group (IPG), Canada’s largest property and casualty (P&C) provider of third-party administration services, has appointed Paul Burns as its director of business development.

A claims insurance professional for more than 20 years, Burns has worked in both the domestic P&C insurance and Lloyd’s of

1d

1e

6

9

London markets. He joins IPG’s Toronto office.

insurance broker consulting roots with Cookson Walker, until he helped found Trisura Guarantee in 2005, assuming the role of CFO.

6

Following an insurance career spanning four decades, John Garner has retired as CFO of Trisura Guarantee. Garner began his career with Clarkson Gordon, where he was a consultant to insurance brokerages across Canada. He later accepted a senior role with Trivest, leading a team that invested in and provided advisory services to insurance brokers in the 1980s and 1990s.

After Trivest, Garner became CFO of Wellington Guarantee and subsequently London Guarantee, where he remained until the company was sold in 2002. He then returned to his

7

Specialist Lloyd’s insurer Beazley has appointed Jo-Anne Hawthorne as territory manager for eastern Canada.

Reporting to Cheryl Hobbs, Hawthorne will be responsible for developing business relationships with brokers in Ontario, Atlantic Canada, Ottawa and Quebec. The aim is to build Beazley’s book of business across its specialist product lines in these provinces. Hawthorne has extensive experience in underwriting specialist insur-

8

Gerry Spina, owner of the London-Middlesex office of the restoration firm First General, is passing the torch over to new owners, Hosain Ebad and Noor Ebad.

Both have been working in the restoration industry for several years. Spina is expected to continue to work with Hosain and Noor for an extended period of time.

9

Robert Landry, a former president and CEO of Zurich Insurance Company’s Canadian branch, has been elected to the board of directors of Symbility Solutions Inc., a claims software maker.

Also a board member at Wawanesa Mutual Insurance Company, Landry retired from Zurich at the end of 2007. He was appointed in 2013 to the board of directors of DAS Legal Protection Insurance Company Ltd., which is ultimately owned

by Munich Re. Symbility plans to offer self-service applications allowing claimants to monitor the process of their claims.

August 2018 Canadian Underwriter

89

SAVE THE DATE! Annual WICC Québec fundraising evLU[ [V ILULȹ[ the Canadian Cancer Society THURSDAY

OCT 2018

25

Le Windsor Hotel, Montreal

Uniting the industry in the Fight for Life

TM

Proud Platinum National Sponsor.

Registration and payment: wicc.ca/qc For information: Jo-Anne Polidoro 438 843 9714

TM

GALLERY See all photos from this event at www.canadianunderwriter.ca/gallery

Nearly 1,000 industry professionals – including 750 brokers – packed Toronto’s prestigious Koerner Hall for the 2nd annual Gore Mutual Fast Forward conference. This year’s event featured keynote presentations by Rick Mercer and Peter Mansbridge, followed by futureoriented panel discussions about brokerages, technology, customer experience and the outlook for the industry as a whole.

August 2018 Canadian Underwriter

91

THE INSURANCE INSTITUTE OF CANADA PRESENTS

A Changing Workforce Impact of technology and demographics on the p&c insurance industry in Canada Ô The official launch of two new research reports will take place during a national webinar on Wednesday, September 19, 2018, at 1 p.m. ET.

FALL 2018 MULTICITY TOUR

JOIN US FOR PRESENTATIONS ACROSS THE COUNTRY TO LEARN MORE: Vancouver..................................................................Wednesday, October 3 Calgary .......................................................................... Thursday, October 4 Edmonton .....................................................................Tuesday, October 16 Winnipeg ................................................................Wednesday, October 17 Regina ......................................................................... Thursday, October 18 Kitchener .......................................................................Tuesday, October 30

Ottawa ....................................................................Wednesday, October 31 Montreal.................................................................. Thursday, November 15 Toronto* ....................................................................Monday, November 19 Halifax .................................................................Wednesday, November 21 Hamilton..................................................................Thursday, November 22 London ......................................................................Tuesday, November 27

*A full day seminar is being planned for Toronto Presenters: Margaret Parent Director, Professionals’ Division and Lead on the Institute’s Demographic Research

Michael Burt Executive Director, Industrial Economic Trends The Conference Board of Canada

WWW.INSURANCEINSTITUTE.CA/RESEARCH

GALLERY See all photos from this event at www.canadianunderwriter.ca/gallery

For the 10th year in a row, the Canadian Cancer Society partnered with WICC Ontario to produce the Toronto Relay for Life walkathon, held June 15 at Downsview Park. WICC made a special presentation in honour of industry veteran and six-time Relay participant Susan Walsh, who died of cancer in April, and the 377 walkers participating in the name of WICC raised $193,000. (Including all participants and sponsors, the Toronto Relay for Life raised $244,500, while WICC walkers at other Relays in Ontario raised an additional $142,000.) You can still make a donation to any of the Relays for Life held across the country by visiting convio.cancer.ca

August 2018 Canadian Underwriter

93

GALLERY See all photos from this event at www.canadianunderwriter.ca/gallery

94

Canadian Underwriter August 2018

We’re supporting the broker of the future – today.

Tom Reikman, SVP & Chief Distribution Officer

As broker and customer needs evolve, we’ve been listening to feedback to make it easier for brokers to do business with us, and to drive innovation to improve the customer experience. With Vyne™, we introduce brokers to more than just a system implementation — they benefit from an expanded range of customer-centric products, guaranteed pricing, faster service, and a streamlined workflow — enabling them to provide the seamless, once-and-done experience customers expect.

Get ready for the future, with us. economical.com/vyneinfo PROPERTY | AUTO | BUSINESS

Economical Insurance includes the following companies: Economical Mutual Insurance Company, Family Insurance Solutions Inc., Sonnet Insurance Company, Petline Insurance Company. ©2018 Economical Insurance. All Economical intellectual property, including but not limited to Economical® and Vyne™ related trademarks, names, and logos are the property of Economical Mutual Insurance Company and are registered and/or used in Canada. All other intellectual property is the property of their respective owners.

Using KMs.

Saving KMs.

Introducing CAA MyPace™, the first auto insurance payment program in Canada for low-mileage drivers. Designed with your clients’ individual lifestyles in mind, only CAA MyPace enables you to offer a new way to pay for and manage insurance premiums for motorists who drive less than 9,000 kilometres per year. broker.caainsurance.com

Auto Insurance is underwritten by CAA Insurance Company. Certain conditions, exclusions and underwriting eligibility rules apply. ®CAA trademarks owned by, and use is authorized by, the Canadian Automobile Association.

Available in Ontario only.