How do I apply for coverage?
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| Download the General Information application and the appropriate Supplemental application from this site. (If you have a question about which application is correct, please call). If more than one Supplemental applies due to the operations of the company, please complete each of them. Answer every question completely or state "N/A" if it is not applicable to your firm. Please ensure that each application is signed and dated. Fax or mail the completed and signed application to us together with any support documentation or samples. We can usually deliver a quote within a few days.
Although we can quote on the basis of a faxed application, we will require the original signed application prior to binding cover.
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Does your policy include cover for exposures in the USA as well as Canada?
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| Yes it does. Some of our clients sell directly or indirectly to the USA market. Litigation in the USA is especially unpredictable, but even for clients who broadcast or publish to an exclusively Canadian market, the risk of litigation in the U.S. should not be ignored. |
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What is your minimum premium?
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| Our minimum premium for a $1 million policy limit is $1,500. |
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We are a large, multi-faceted communications company encompassing a range of broadcasting and publishing areas. Can we obtain coverage for each of the areas of operations.
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| Yes, we can provide coverage for all of the operations on our Multimedia form. |
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Are your rates competitive?
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| Our program is competitive in terms of both cover and premium value. |
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Who are your insurers?
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| ESR underwrites on behalf of markel Syndicate 3000, a 100% Lloyd's-owned corporate syndicate that enjoys an A (Excellent) rating by A.M. Best. |
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Where are your insurers licenced?
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| Our carriers are licenced across Canada, but they are not licenced or admitted carriers in the U.S. or elsewhere. If required, we can obtain alternative terms from other insurers who may be licenced internationally. |
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What policy limits can you offer?
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| We can provide limits up to $5 million using our exclusive, in-house facilities. |
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Do I have to offer you other lines of business to place a media liability risk with you?
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| We'll write our media liability policies on a stand-alone basis. You don't have to offer us the other lines to get our specialty insurance protection, but if you wish, we can quote the CGL, property and E&O covers too. |
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