Our company
A Managing General Agent built for licensed brokers
Total Risk Managers sits between insurance brokers and insurers. Brokers bring us the risks that standard markets decline or cannot price — we underwrite them and bring terms back. We work only through licensed brokers, across Canada. We do not sell insurance to the public.
Managing General Agent
Underwriting between brokers and insurers
Across Canada
Working with licensed brokers country-wide
Broker only
The broker stays the client’s point of contact throughout
What an MGA does
How the model works
The broker brings the risk
A client whose risk the standard market has declined, limited or priced out.
We underwrite it
The risk is assessed under authority delegated by an insurer, and terms come back to the broker.
The broker stays in front
The client relationship belongs to the broker at every step; we never go around them.
Hard-to-place is the point
The classes that take explaining are the ones this model exists for.
Programs as well as placements
Where a broker knows a niche, we can build a program around the whole class.
Straight answers
A clear yes, a clear no, or exactly what is missing from the submission.
How it works
How a submission works
The broker emails the details
Send to submissions@totalriskmanagers.com, with the information set out on the relevant product page.
We review it
Complete submissions move fastest.
Terms come back to the broker
With any conditions stated plainly.
The broker binds with the client
The client deals with their broker, as they always did.
It stays that way
Renewals, changes and claims all run through the broker.
Common questions
Questions brokers ask
What is a Managing General Agent?
An underwriting business between brokers and insurers, holding delegated authority to assess and price risks the standard market does not serve well.
Does Total Risk Managers sell insurance directly?
No; we work only with licensed insurance brokers. Anyone looking for coverage should speak to a broker, who can then approach us.
Which classes does TRM write?
From vacant and rental property to professional liability, cargo and jewellers block — with more classes launching. See our products and applications.
How does a broker start working with TRM?
Send a risk; there is no onboarding hurdle before a first submission.
Can a broker propose a program?
Yes; see programs, schemes & niches.
Have a risk to place?
Email the details and we’ll come back to you.
Total Risk Managers is a Managing General Agent. We work with licensed insurance brokers across Canada and do not sell insurance to the public.