Looking for answers about car, home, life or travel insurance? Visit the separate Insurance Knowledge Base. This directory focuses on commercial coverages and contract questions.
Most of what is online about business insurance is American, and the differences are not cosmetic. Canada has its own standard forms, its own endorsement families, its own workers’ compensation structure and its own construction documents. This is the reference written for that.
A.M. Fredericks UnderwritingABEX o/b Affiliated Broker Exchange
Allianz Global RisksAmbri AssuranceApril Canada Inc.April MarineArthur J. Gallagher & Co
AVRO Insurance ManagersBeazley Canada LimitedBerkley Insurance CompanyBlueCross BlueShield
Burns & Wilcox CanadaCAA InsuranceCAN - Continental Insurance
Cansure Underwriting LtdCaradoc Townsend MutualChes Special Risk Inc.Chubb InsuranceChutter Underwriting Services
Core Underwriting ServicesDefinityDesjardins Financial Security Investments Inc.
Dominion of Canada/Travelers/Travelers EssentialEagle Underwriting Group Inc.Echelon
Excess Underwriting Corp.Facility Association
Forward InsuranceGlobal Aerospace Underwriting
Great-West LifeGroupAssureGroupOne Insurance
HDI Global Specialty SE
IA Excellence Life Insurance
INGLE International
Intact Public Entities
La CapitaleLiberty International CanadaLynx Insurance UnderwritersMarkel
NorthbridgeOld Republic
Optiom
PAL Insurance Brokers Canada
Premier Canada AssurancePremier MarinePremium Marine
Revolution Advanced Underwriting
SignalSignature Risks
South Western GroupSovereign GeneralSpecial Risk InsuranceSports & Fitness InsuranceSSQ AssuranceStarr Technical RisksStrategic UnderwritingSummit Underwriting Group Inc.The Boiler Inspection and Indemnity Company (BI&I)
The Totten Insurance GroupTrans Canada
TravelersTrinity Underwriting
Unique Risks
Victor Insurance
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They know the coverage they want to understand, they know their trade, or — most often, and most urgently — they have a document in front of them demanding something they do not recognise. Each of those is a different page.
What it is, who needs it, what it specifically does not cover, and where the Canadian form differs from the American one people find first.
34 coverages
What a business in your class actually gets asked for, what the common claim is, and the coverages that are routinely missed in that trade.
60+ classes across seven sectors
A contract, a lease, a permit or a general contractor is demanding something. This is the axis nobody in Canada has built, and it is the one where the reader needs an answer today.
10 situations
These are the pages someone reads at nine at night with a subcontract open on the other screen. They are written second person, they answer the question in the first sentence, and they say what to do next.
Search almost any commercial insurance clause from Canada and the first page of results is American. That is not merely unhelpful; on several of these topics it is wrong. There is no ISO equivalent to Tenants’ Legal Liability under the IBC form. There is no US analogue to a WSIB clearance certificate, or to the SPF 6 endorsement family, or to the Statutory Conditions printed in every Canadian property policy outside Quebec. Canadian construction runs on CCDC documents, not AIA.
A business owner who reads an American page about additional insureds and then signs a Canadian subcontract has been actively misled. That is the gap this reference exists to close.
Canada publishes no commercial insurance tariff. Any page quoting a firm premium for a class of business is quoting one broker’s book, not a market.
So cost figures on these pages are ranges, they carry the basis they were drawn from, and they say how many quotes stand behind them. Where we have no defensible figure, the page says so rather than borrowing one.
Once you know what the contract is asking for, one request gets it priced by someone licensed to place it.
Be prepared
Hypothetical situations to help you prepare questions—not actual client claims or promises of coverage.
Scenario: Someone alleges an injury arose from the business operations.
What happens next: Preserve incident records and notify the insurer. Declared activities, liability wording and the facts determine whether a policy responds.
Scenario: Equipment used by the business is damaged or stolen.
What happens next: Document ownership, location and cause. Ask the insurer to review the insured property, exclusions, valuation and deductible.
Scenario: Damage prevents the business from operating normally.
What happens next: Keep revenue and expense records. Business interruption depends on the insured trigger, selected coverage and applicable terms.
Actual outcomes depend on the facts and applicable wording. Read claims guidance · Ask about the next step
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