Managing General Agent · Canada
The risks standard markets decline — placed for brokers across Canada.
Total Risk Managers is a Managing General Agent for hard-to-place and specialty risks — from vacant homes and rental properties to jewellers block, fine art, cargo and liability, with more classes launching through the year. Licensed brokers send us the details; we come back with an answer. We do not sell insurance to the public.
Appetite checker
See where your risk fits
Describe it in your own words — you will get the right page and exactly what to send with it.
Nothing you type is sent anywhere or stored — this runs entirely in your browser.
Featured classes
A few of the classes we write
Vacant Properties
Empty, unoccupied and newly vacant buildings — the risk most markets step back from.
Rental Property
Houses, condos and small multi-unit rented out, including between tenants.
Jewellers Block
Jewellers stock in the shop, in the safe, in transit and at trade shows.
Fine Art & Valuables
High-value personal articles and collections, at home and worldwide.
How it works
From submission to terms, through the broker
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Email the details
Send the risk to submissions@totalriskmanagers.com. Every product page lists exactly what to include for that class.
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We review it
Complete submissions move fastest — the questions we would otherwise come back and ask are already on the page.
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Terms come back to you
A clear yes, a clear no, or exactly what is missing. You bind with your client, and you stay their point of contact throughout.
Also in appetite
The rest of what we write
Common questions
Before you send a file
What is Total Risk Managers?
A Managing General Agent based in Canada. We sit between insurance brokers and insurers: brokers bring us the risks standard markets decline or cannot price, we underwrite them, and terms come back to the broker.
Does Total Risk Managers sell insurance directly?
No. We work only with licensed insurance brokers, and the broker stays the client’s point of contact throughout. If you are looking for coverage for yourself or your business, please speak to your broker, who can then approach us.
How does a broker send a submission?
By email, to submissions@totalriskmanagers.com. Each product page sets out what to include for that class — a submission that answers those points upfront can usually be quoted without us coming back to ask.
Information on this website is general and is for information only. It is not advice, and it is not a quote or an offer of coverage. Policy wording decides what is covered. Coverage is arranged through a licensed insurance broker. If you are a broker, contact us. If you are not, please speak to your broker.