• We offer $25 million in-house capacity for faster quotation turn-around, plus access to more than $100-million capacity.



• We write umbrella on a stand-alone basis - we don't need to write the primary covers to offer excess limits.



• We can write first-layer umbrella, excess umbrella, excess commercial general liability (GL), excess auto liability (AL) and excess errors and omissions (E&O) for certain classes.



• We can attach over $1-million primary GL or product liability covers. We can also handle tenants legal liability and other incidental attachments below $1 million.



• Our premiums and terms are always competitive. We want to quote your best umbrella business, but we won't shy away from U.S. or other problem risks either.



• Our program is mature, reliable and proven over time — we've been handling this class of business for nearly 35 years.



• We have the most experienced underwriting team in Canada.



• Broad policy wording, including sudden and accidental pollution cover (120-hour form or named perils form) is available for many classes.

We have recently written:

• Ontario manufacturer of plastic products, including gasoline storage containers with U.S. product exposures — policy limit $10 million in excess of $5 million underlying covers



• Ontario mining contractor working in Canada, U.S. and around the world — policy limit $10 million in excess of $5 million



• Alberta auto parts distributor including foreign sales — policy limit $10 million in excess of $5 million



• BC municipality — policy limit $15 million in excess of $10 million



• Quebec waste management company — policy limit $9 million in excess of $1 million



• Maritime fish processing plant — policy limit $9 million in excess of $1 million

• We offer $25 million in-house capacity for faster quotation turn-around, plus access to more than $100 million capacity from first-class licensed markets



• We can write excess auto cover on a follow-form basis or full umbrella cover, scheduling the primary general liability policy as well as the primary fleet cover



• We can provide cover for fleets with U.S. exposures



• We can provide cover for bus fleets and for transportation of hazardous cargoes such as chemicals and flammable liquids

We have recently written:

• B.C. school and charter bus fleet with U.S. exposures — layer $9 million in excess of $1 million



• New Brunswick taxi fleet — layer $1 million in excess of $1 million



• Cross-Canada daily rental fleet — layer $8 million in excess of $2 million



• Quebec-based carrier of petroleum products — layer $9 million in excess of $1 million



• Quebec-based long-haul truck fleet with heavy U.S. exposures — layer $30 million in excess of $5 million

The information in this web site is intended to be general in nature and should not be construed as specific recommendations, nor as a substitute for the advice of a professional insurance broker who is familiar with a client's particular exposures or circumstances.

The coverage summary should not be construed as an insurance policy or the interpretation of an insurance policy.

Mr. Rohit Trivedi Temple Insurance Company 390 Bay Street Toronto, Ontario M5H 2Y2 Tel: (416) 681-6954 Fax: (416) 361-1163

The reporting condition of the policy requires that you report to the Company any incidents which might give rise to a claim, even though no such claim has yet been received.

Liability claims for this class of business may often follow months or years after the event itself. Failure to report an incident promptly may jeopardise the Insurers investigation and defence of a subsequent legal action. To avoid the risk that individual losses may be denied as a result of late reporting, we would encourage you to report all such incidents promptly.

Please note if any part of your policy is written on a claims-made form, the policy contains certain restrictions which limit the reporting of losses after the policy has expired.