SWG Optisure


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    SWG Optisure

    Inland and Marine Cargo Ins.

    OPTISURE is a Property In-Land Marine Insurance Program covering, Logging Equipment, Cargo, and Contractor’s Equipment.

    OPTISURE is a Property In-Land Marine facility (Logging Equipment, Cargo, and Contractor’s Equipment) that is currently underwritten through an exclusive relationship via South Western Insurance Group.

    Founded in 2002, OPTISURE Underwriting Services has been a wholly-owned subsidiary group of South Western Insurance Group Limited since early 2016.

    As the company’s original owner and resident OPTISURE expert, Glen Whitehead brought his inland marine product to South Western Insurance Group Limited because he wanted to grow and expand it. Now, virtually every broker in the country has access to this exclusively-worded insurance policy.

    According to Whitehead, it is basically a physical damage contractors’ equipment insurance policy that protects company machinery whether it is working out in the remote bush or sitting in a mill yard. If a client owns even one machine, he says, they need to insure, that equipment while it is sitting in their yard, while it is being transported, and – most importantly – while it is being operated at various job sites.

    “Theft, vandalism, upsets, roll-overs, damage that occurs while loading and unloading – even the clipping of a bridge during transport. Basic protection involves any number of things, but the primary risk exposure is going to be while that machine is working.”

    The company regularly writes schedules as small as one or two items but can go all the way up to $40 or $50 million dollars. And as a market-leading contractor program that spans a wide scope of industries, any “yellow iron” holdings out there will potentially benefit from OPTISURE’s coverage.

    “It is a very broad appetite that we service,” explains Whitehead, “and as far as extensions go, we have the ability to underwrite everything from downed timber and motor truck cargo, to hook & lift & hoist liability.”

    While coverage can include both contractors’ equipment and automobile physical damage for the likes of log trucks, log trailers, and low-bed tractors, it does not end there, according to Whitehead. “We can also include specialized elements like exposure to ice and muskeg for contractors that work in remote northern regions, and waterborne coverage for contractors that go over large bodies of water – in coastal BC for example.”

    The OPTISURE program embodies a vast level of underwriting knowledge inside an exceptionally unique insurance class. It also combines extremely competitive rates with the availability of very high in-house limits.

    Coverage Highlights:
    • Broad Form property coverages
    • All Risk Wording with no Minimum Premiums
    • Cargo
    • Composite Mercantile
    • Course of Construction
    • Logging Equipment
    • Ocean Marine
    • Forestry
    • Oilfield
    • Road Building
    • Construction
    • Transportation
    • Various Contractors Equipment
    • Motor Truck Cargo
    Available Extensions:
    • Can also Quote a full Commercial General Liability for Including - No General Aggregate, Forest Fire Fighting or Grass Land Fighting Expenses and Broad Form Logging Endorsement
    • Umbrella Liability (up to $9MM X of $1MM) - Must provide excess over $1MM CGL, NOA, FFFE and up to $1MM TPL
    • Have authority to issue Certificates of Insurance that include the following:
    • Blanket Contractual
    • Contingent Employers Liability
    • Waivers of Subrogation
    • Additional Insureds (Blanket Additional Insured endorsement required)
    We Cover:
    • Warehousemen's Liability
    • Contractor's Equipment
    • Forestry & Agriculture
    • Mining & Oil Equipment
    • Marinas, Piers & Docks