Broker Insights
March 19, 2026
Demolition is one of the most hazardous trades in the construction industry. Bringing structures down—often near occupied buildings and active utilities—creates extreme liability exposure. In Canada, demolition contractors require robust, specialized insurance to stay protected. Key Risks Demolition Contractors Face Demolition work commonly involves: Claims can be severe, complex, and costly. Essential Insurance Coverages Risk […]
March 18, 2026
Snow removal is a vital service across Canada—but it’s also one of the highest-liability winter trades. Slip-and-fall claims, vehicle accidents, and property damage can quickly turn a routine job into a costly lawsuit. Proper insurance is critical. Key Risks Snow Removal Contractors Face Winter operations commonly involve: Claims can arise days or even weeks after […]
December 19, 2025
In Canada, Fire Underwriting Survey (FUS) ratings play an important role in determining insurance premiums and coverage options. Properties rated FUS 3–5 fall into unprotected or high-risk zones, meaning they have limited access to fire protection services. These ratings can significantly affect both the availability and cost of insurance. Here’s what property owners should know. […]
December 18, 2025
Seasonal dwellings—cottages, cabins, and vacation homes—are a cherished part of Canadian living, offering peaceful getaways for owners and guests alike. But because these properties often sit vacant for long stretches, they come with distinct insurance challenges. Here’s what you need to know about insuring a seasonal home in Canada. Risks for Seasonal Dwellings • Property […]
December 17, 2025
Resorts and lodges are cornerstones of Canada’s tourism industry, drawing visitors to the country’s most scenic destinations. Like any hospitality business, they face distinct insurance challenges—from guest safety to property protection. Here’s what owners need to know to ensure their resorts and lodges are properly covered. Risks for Resorts and Lodges • Property DamageBecause many […]
December 16, 2025
Hotels and motels are key pillars of Canada’s hospitality industry. With high guest turnover and a wide range of risks, securing proper insurance is essential to protecting your business. Whether you operate a boutique hotel or a large motel chain, understanding the right coverage helps safeguard your property, staff, and guests. Risks for Hotels and […]