Risks we love:

• Contractors
  • Consultants
  • Demolition Contractors
  • Electricians
  • Excavation Companies
  • General Contractors
  • Handymen/Renovation contractors (with trades work subcontracted out)
  • Janitorial
  • Landscapers
  • Millwrights
  • Painters
  • Pest Control
  • Security Services
  • Welder
• Vacant Dwellings, Buildings, & Bare Land
• Rented Dwellings
• Rooming Houses
• High Value (over $1MM) Rentals, Homeowners, Seasonals – including those with AirBNB/ short term
• rental exposure
• High Value (over $1MM) Residential COC’s
• Home-based Businesses
• Low to Mid Hazard E-Commerce Sales with moderate USA exposure
• Premises Liability
• Senior Home Care
• Tattoo & Piercing Artists/Shops

RISKS WE CONSIDER:

• CGL for Hotels/Motels
• Plumbers
• E&O and D&O
• Low Hazard Restaurants (minimal to no deep frying & minimal liquor exposure)
• Food Courts
• Risks with High USA Revenue’s
• Small Subscription for High TIV Commercial Property
• Small to mid-size Snow Removal Contractors with no public road exposure
• Couriers/Goods from Amazon
• Manufacturers / Distributors / Suppliers
• Single Family Residential COC under $750K

• Adventure
  • Guide Tours
  • Canoe/Kayak/Standup Paddle Board
  • Trail Rides (Horses)
  • Hiking
  • Hunting
  • Fishing / Ice Fishing
  • Dog Sled Tours
  • Snowshoeing/X-Country Skiing Tours or Clubs
• Adventure
  • Rental of Equipment (i.e. canoes, paddle boards / kayaks, etc.)
• Axe Throwing
• Bowling Alleys
• Children’s Play Centers as long as there are no Trampolines or Foam Pits
• Community Halls/Arenas
• Curling
• Dance Instructors and Studios
• Escape Rooms/Rage Rooms

• Fitness (trainers must be certified)
• Food Trucks
• Golf Courses
• Indoor Climbing Facilities
• Inflatables
• Kids Camps – Overnight and Day
• Martial Arts
• Music/Drama/Learning Programs (STEM) for Children and Adults
• Non Profits
• Outdoor Ice Rinks
• Paintball/Archery/Archery Tag/Laser Tag
• Resorts
• Spas
• Special Events
• Sports (excluding Boxing/Kickboxing, Contact Hockey or Rugby)
• Virtual Realty Facilities/Arcades

Risks we love:

• Drones/UAV
• Aircrafts used for pleasure or business uses
• Airport Contractors
• Premises / Hangarkeepers / Products Liability
• Liability – hangars: property &/or liability – airstrips – mechanics / fuel sales – aircraft detailing
• Non-Owned Aviation Liability (Aircraft or UAV’s)

RISKS WE CONSIDER:

• Aircrafts used for Commercial uses
• Airport Liability
• Airshows
• Agriculture Spraying (including or excluding chemical drift)
• Business Jets
• Excess Liability
• Flight Schools
• Rotor Wing / Helicopters
• Student Pilots
• Subscription Policies
• Ultralight or Homebuilt Aircrafts

Risks we love:

Pleasure Craft

• Boats less than 20 years old
• Experienced operator(s)
• Max speed 55 mph
• Marina Premises Liability Only
• Skipper charters

Commercial

• Boat Rentals, established companies
• Boat Storage
• Marinas
• Marine Trades / Boat Repairs
• Yacht Clubs/Sailing Schools

RISKS WE CONSIDER:

Pleasure Craft

• Boats between 20-35 years old
• High performance up to 70 mph
• PWCs with another boat policy in place Commercial
• Boat Rentals, new start ups
• Builder’s Risk / Boat Manufacturers
• Boat Dealers / Yacht Brokers
• Commercial F/V (valued over $1M)
• Foreshore Lease
• Marine Surveyors/Contractors E&O
• UUV/ROV – underwater property

Risks we love:

• Computer Consultants
• Computer Programmers
• Custom Software Developers
• Database Administrators
• Designers Hardware Installations
• Support Internet Service Providers
• IT Consultants IT Project Managers
• IT Training Consultants
• IT Staffing Mobile Applications
• SaaS Analytics
• Network Support Services
• Software Developers (Non-Custom)
• Software Quality Assurance
• Telecommunications Consultant
• Website Designers
• Advertising Agents
• Animators
• Brand Development/Corporate Identity
• Graphic Designers
• Telemarketing
• Market Research Consultants
• Copywriters
• Public Relations and Communications Consultants
• Marketing Consultants
• Media Business Services
• Database Management Consultants
• Social Media Consultants
• Addressing/Circularising Services
• Answering Service
• Arbitrators/Mediators
• Archaeologist
• Archivist
• Art Consultants/Directors
• Biologist
• Bookbinding Consultant
• Botanist
• Business Analyst
• Business Consultants/Advisors
• Business Training
• Calligraphy
• Careers Advice
• Catering Consultancy
• Coaching Service
• Compliance Consultant
• Complaint Handling
• Court Reporters
• Dispute Resolution
• Ecologist
• Economics Consultant
• Education Advisory Service
• Expert Witness
• Feng Shui Consultants
• Fisheries Consultancy
• Forklift Training
• Fuel Efficiency Consultant
• Funeral Directors
• Garden Design
• Genealogists
• Government Consultants
• Graphography
• Home Stager
• Human Resources Consultant
• Interior Designer (Non-Structural Work)
• Inventory Clerks/Consultants
• Landscape Architect
• Language Schools
• Librarian
• Life Coach
• Lifestyle Consultant
• Linguistics
• Logistics, Traffic and Transport Consultants
• Management Consultants
• Map Drawers/Cartographers
• Marriage Guidance
• Meteorological Consultants
• Opinion Polling
• Ornithology
• Personal Shopper
• Photographer/Videographer
• Private Investigator
• Procurement Consultant
• Professional Organizer
• Proofreading
• Recruitment Consultants
• Secretarial/Administrative Services
• Secretarial Training
• Signwriting
• Textile Consultancy
• Training Consultants

RISKS WE CONSIDER:

• Access Disability Consultants
• Accident/Theft Investigators
• Auctioneers except Property/Realty
• Bookkeeper (No Tax Work)
• Calibration Consultant
• Claims Adjusters
• Conference/Event Organisers
• Editorial Consultancy
• Energy Assessors/Consultants
• Food Hygiene Consultancy
• Food Industry Consultancy
• Forestry Consultant
• Health & Safety Consultants
• Leisure Industry Consultants
• Lighting Design
• Loss Adjuster/Assessor
• Low Carbon Consultants
• Portable Appliance Tester
• Quality Assurance Consultant
• Relocation Agent
• Technical Writer
• Tourism Consultant
• Town Planner
• Trade Association
• Yacht Broker

• Cyber
• Environmental
• Excess Coverage-General, Professional, Cyber
• Kidnap & Ransom
• Marine Piracy
• Management Liability
• Intellectual Property
• Medical Malpractice
• Product Recall
• Professional Liability
• Property & Casualty
• Terrorism
• Transaction Liability
• Financial Institutions
• FinTech
• Digital Healthcare
• Healthcare
• Life Science
• Manufacturing
• Media & Entertainment
• Technology