• Our in-house programs are supported by first-class, licensed Canadian insurers. The programs are reliable and proven over time.
  
  
• Our staff are top-notch liability insurance professionals.
  
  
• Our first-class covers are backed up by excellent claim-handling service and litigation defence expertise.
  
  
• We have $25-million limits available in-house for most risks and access to even higher limits.
  
  
• For most risks, we can also handle the property covers.
  
  

Canadian Liability Insurers

We introduced our Canadian Liability Insurers (CLI) program in 1988 to offer you a market for GL covers that most insurers can't or won't write.

We write a wide range of risks, including:

• Blasting, demolition, tunnelling and other high-hazard construction risks
  
  
• Cosmetics, skin and hair-care products
  
  
• Day care centres
  
  
• Fireworks makers, vendors and display operators
  
  
• Machine shops
  
  
• Pesticide applicators
  
  
• Private and trade schools
  
  
• Short-line or tourist railways
  
  
• Specialty food products
  
  
• Tanning beds
  
  
• Tough product liability risks
  
  
• Vacant premises and other premises risks
  
  
• Water systems and well drillers.
  
  

Our Canadian Exporters program (CEP) was introduced in 1995 to write the kind of U.S. product liability covers that most insurers just can't handle.

We write a wide range of manufacturing and distribution risks, such as:

• Air and water purification systems
  
  
• Automotive parts
  
  
• Building materials and products
  
  
• Chemical manufacture and distribution
  
  
• Cosmetic, skin-care and hair products
  
  
• Exercise equipment
  
  
• Farm machinery
  
  
• Industrial pumps
  
  
• Material-handling equipment
  
  
• Medical and scientific equipment, hospital and surgical supplies
  
  
• Mining supplies
  
  
• Precision machine parts and machine tooling
  
  
• Restaurant fire protection equipment
  
  
• Safety belts and harnesses for the construction industry
  
  
• Service work and training in the U.S.
  
  
• Sports equipment
  
  
• Toys and children's furniture.
  
  

Biotech, Life Sciences Liability program

Our GL program for Canadian biotech, pharmaceutical, medical device, and research and development companies is supported by first-class underwriters at Lloyd's with more than 20 years of experience in this sector.

The program includes:

• GL and product liability - claims-made coverage without specific product exclusions
  
  
• Clinical trials cover, including no-fault clinical trial compensation cover - with a one-year extended reporting period (ERP) and longer ERP terms available
  
  
• Medical malpractice/errors and omissions cover
  
  
• Limits up to $10 million
  
  
• Can include U.S. or worldwide sales
  
  
• Can include U.S. or worldwide clinical trials
  
  
• Cover available for importers of pharmaceutical and medical devices
  
  
• Broad-form vendor's endorsement
  
  
• Broad-form coverage, including standard extensions:
  
  
  • Non-owned auto
    
    
  • Employee benefits
    
    
  • Broad-form tenant's legal liability
    
    
  • Advertising liability
    
    
  • Employers' liability (if required)
    
    
  • Other standard extensions
    
    
• Minimum premium $5,000.
  
  

Abuse liability coverage

Our program for abuse liability coverage complements our primary GL and Sport, Leisure and Recreation programs for clients who are exposed to allegations of physical or sexual abuse.

The program coverage is supported by the subscribers to our Canadian Liability Insurers program and is available to clients for whom we currently write the GL coverage.

Our program features:

• Response to any act or threat involving molestation, harassment, corporal punishment or any other form of physical, sexual or mental abuse
  
  
• Coverage for employees and volunteers
  
  
• Separate claims-made policy wording
  
  
• Defence costs included in policy limit
  
  
• One-year extended reporting period available at an additional premium
  
  
• Canada only
  
  
• $1-million policy limit - higher limits available.
  
  

Sorry, but we can't write boarding schools, religious institutions or native bands.

Please contact our Canadian Liability Insurers or Sport, Leisure and Recreation departments for further details.

Recycling and waste management industry

We can write GL and property covers on a stand-alone basis or in conjunction with our Environmental Insurance program for clients in the waste management and recycling industry, including:

• Asbestos, lead and mould removal contractors
  
  
• Disposal, recycling and transportation of wastes
  
  
• Emergency response services such as vacuum trucks
  
  
• Incineration, encapsulation and other waste disposal techniques
  
  
• Medical and other specialty wastes
  
  
• Site remediation and decontamination
  
  
• Product liability and other risks with an elevated pollution hazard.