Property & Liability Insurance Features:

Community Asset Program

  • Property Insurance
  • Crime Insurance
  • Commercial General Liability
  • Directors & Officers Liability
  • Environmental Impairment Liability
  • Accidental Death & Dismemberment Coverage for Chief & Council, Fire Fighters, Police
  • Legal Defense Insurance – Police Officers, Coaches, Employees and/or Community-Wide
  • Equipment Breakdown incl. Boiler & Machinery
  • Umbrella Liability
  • Auto Liability
  • Tenants Insurance

Community Services Insurance

Friendship & Wellness Centre Insurance Program

  1. Friendship & Wellness Centres play a vibrant and important role in our communities; touching the lives of countless people. Conventional insurers don’t understand the unique risks that, if not appropriately addressed, could cause serious damage to your organization’s reputation and ability to perform its mission.
  2. We take into account activities centered around children, health & wellness, youth services, fitness, nutrition, counseling, traditional spiritual healing ceremonies and alternative healing methods.

Construction Insurance Program

Construction & Bonding Program

  1. One-Stop Shop offering a full suite of construction insurance & bonding capacity under one ‘roof’
  2. Infrastructure such as tunnels & bridges, roads & ports
  3. Buildings – from apartments to stadiums and everything in between
  4. Pipelines, water treatment, supply projects
  5. Hydro power stations with associated civil works

 
Single Policy Simplicity. Insurance for the following interests:

  • Transit
  • Marine
  • Marine delay in start up
  • Construction
  • Advance loss of profits
  • Operational (all risks)
  • Mechanical & electrical breakdown
  • Business interruption
  • Third-party liability
  • Employers liability
  • US casualty
  • Esoteric risk

Directors & Officers Liability Program

D&O coverage protects the directors and officers of corporation and other entities against legal judgments and related expenses resulting from allegations of wrongful acts committed in the individual capacity as directors and officers.
 
Key factors to look for when purchasing D&O insurance:

  1. Defence Costs outside the Limit of Liability
  2. Insuring Agreement for all coverages including Employment Practices coverage
  3. Entity vs. Insured Exclusion carve-outs for defence costs, whistleblowers, past Ds & Os who have not served for 3 years, trustee in bankruptcy
  4. Expanded definition of Insured Persons includes directors, officers, all employees, trustees, volunteers, staff members, executive board members and committee members
  5. No failure to maintain adequate insurance exclusion
  6. Expanded definition of Loss includes: Pre-post-judgment interest, punitive damages or exemplary damages or multiplied portion
  7. Expanded Definition of Claim including monetary damages and non-monetary relief, civil proceeding, arbitration proceeding and investigative proceeding
  8. Policy written in “Pay on behalf” not on “reimbursement” and personal conduct exclusions do not apply to defence

Call TIPI for more information at 1 855 266 TIPI (8474) or use the Contact form to get in touch, and to join our mailing list… we promise you won’t regret it.