Broker Insights
March 17, 2026
Excavation contractors form the foundation of every construction project—but working below ground brings some of the highest risks in the industry. One strike to a utility line or unstable trench can lead to severe damage, injuries, and costly delays. Key Risks Excavation Contractors Face Excavation work often involves: Claims in excavation can easily reach six […]
March 16, 2026
Electrical contractors keep Canada powered—but working with live systems, high voltages, and complex installations brings serious risk. A single wiring error can cause fires, outages, injuries, or costly liability claims. Proper insurance is critical to staying protected. Key Risks Electrical Contractors Face Electrical work commonly involves: These risks make electricians one of the most closely […]
December 15, 2025
Non-profit housing providers play a vital role in delivering affordable housing across Canada. But managing these properties also brings unique insurance challenges. Whether you oversee a community housing complex or a transitional shelter, having the right coverage is essential to protect both your property and the residents you serve. The Risks Non-Profit Housing Providers Face […]
December 13, 2025
In Canada, securing insurance for condo corporations can be particularly challenging—especially for those deemed “hard-to-place.” Historical claims, high-risk locations, or unusual construction characteristics can all complicate the process. Here’s how to understand these challenges and navigate them effectively. What Makes a Condo Corporation Hard-to-Place? • High-Risk LocationsCondos situated in areas prone to flooding, earthquakes, or […]
December 12, 2025
For Canadian property owners—particularly those dealing with habitational insurance—prior losses can create significant challenges. Whether the issue stems from fire, water damage, or liability claims, understanding how past incidents affect future coverage is key to managing risk effectively. The Impact of Prior Losses on Habitational Insurance • Increased PremiumsProperties with a history of frequent claims, […]
December 11, 2025
Care homes and assisted living facilities play a vital role in supporting elderly and disabled individuals who require help with daily living. Operating these homes, however, comes with distinct insurance challenges. Ensuring the safety of both residents and property is essential. Here’s what providers need to know. Risks of Care Homes & Assisted Living Facilities […]