Who we can help
A closer look at your exposure.
U.S. brokers, agents and organizations with Canadian operations, locations, projects or insurance requirements.
A U.S. policy should not be assumed to address every Canadian requirement. Local operations, provincial considerations, contracts and coordination with a global program need to be reviewed.
What to discuss with your broker
Canadian operations
Describe local entities, premises, employees and activities requiring assessment.
Local placements
Discuss Canadian policy requirements and how any local insurance relates to the broader program.
Project & contract needs
Review Canadian contracts, lender requirements and requested evidence of insurance.
Program coordination
Clarify insured entities, territories, limits, deductibles and responsibilities between brokers.
These are areas to consider, not a promise of coverage. Options, exclusions, limits and availability depend on the insurer and your circumstances.
Have a useful first conversation.
If available, have the following information ready. Your broker will tell you what is needed for a formal submission.
- U.S. broker contact and the client’s corporate structure
- Canadian addresses, provinces, activities and revenue
- Existing program summaries and contractual requirements
- Desired inception date, schedules and loss information
A question worth asking
What should a referring broker send first?
Start with a short operations summary, Canadian locations, the required effective date and current program details. Avoid sending unnecessary personal or confidential records until the information needed has been agreed.