Property and Casualty Insurance

This coverage protects the physical assets inside and outside of a business and/or community. Assets typically included in this coverage are: commercial buildings, band-owned housing, inventory and contents within covered buildings, and equipment. 

Provides coverage for events typically not covered under the General Liability or Property coverage in respect to the business. This coverage protects you from employee dishonesty and fraudulent acts, loss of money inside and outside of your premise, counterfeit money, and fraudulent money orders, debit, or credit card transactions.

This is designed to provide your business operations with protection against claims of bodily injury and property damage as they relate to your business operations, products, premises, completed operations, as well as personal injury and advertising and personal injury liability.

This covers liability and cleanup expenses associated with pollution by protecting businesses and communities involved in creating, processing, or transporting products that could be potential contaminants.

Accidental Death and Dismemberment coverage provides protection in the event that a plan member incurs a loss, or loss of use of: life, limb, sight, hearing, and/or speech due to an accidental injury.

D&O insurance coverage protects the directors and officers of corporations and other entities against legal judgments and related expenses resulting from allegations of wrongful acts committed in the individual capacity as directors and officers.

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Construction & Bonding Program

• One-Stop Shop offering a full suite of construction insurance & bonding capacity under one ‘roof’
• Infrastructure such as tunnels & bridges, roads & ports
• Buildings – from apartments to stadiums and everything in between
• Pipelines, water treatment, supply projects
• 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

• 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

Friendship & Wellness Centre Insurance Program

• 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.
• We take into account activities centered around children, health & wellness, youth services, fitness, nutrition, counseling, traditional spiritual healing ceremonies and alternative healing methods.

This coverage is designed protect the vehicles owned by your business or community. Coverage includes: 

• Section A: Third Party Liability - Coverage for the legal responsibility to others arising out of an auto accident-causing injury or death, or damage to there property. 
• Section B: Accident Benefits - Health coverage to the person insured, immediate family and individuals injured or killed in the accident. 
• Section C: Loss of or Damage to Insured Vehicle - All Perils Coverage 

Endorsements :

• 21B: This policy provides coverage for any vehicles owned by the named insured 
• SEF 6c: Permission to carry passengers 
• SEF 20: If loss to insured vehicle, the insurer will reimburse you for reasonably incurred expenses for a rental vehicle

‘Drops down’ to protects against the potential financial loss if the primary policy limits are exhausted.