Products & Apps

Commercial Property Insurance

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SWG PROPERTY – Commercial Property is designed to cover hard-to-place property accounts. We can accommodate most realty-type risks, from stand-alone rentals and vacant dwellings to large commercial risks, with an in-house capacity of up to $7,000,000.

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Liability:

Most realty type risks are written on a “Premises” type form but full CGLs including Tenant’s Legal Liability are available.

Our Coverage:

Includes but is not limited to the list below. Contact us if you don’t see what you are looking for.

Commercial General Liability

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SWG CGL – Commercial General Liability insurance is designed to protect businesses against lawsuits stemming from injury or property damage caused by their products or services. As careful as you might be, there are unforeseen events that can happen to every business. Protect your hard work with a policy that fits your needs.

Whether you are a store owner, office professional or wholesaler, commercial general liability insurance coverages can be customized to protect you against the unique risks and exposures you face.

Our Commercial General Liability policy protects your business from financial loss should you be liable for property damage or personal, bodily, and advertising injury caused by your products, services, business operations or your employees. It covers non-professional negligent acts for which you might become responsible.

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Our Coverage:

Includes but is not limited to the list below. Contact us if you do not see what you are looking for.

Professional Liability

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Our Professional Liability insurance offers a combined E&O and CGL that protects advice and service-providing professionals, and firms in a wide range of industries.

Our Coverage:

Includes but is not limited to the list below. Contact us if you don’t see what you are looking for.

Specialty Lines

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SWG PROGAMS fills the service gaps in the marketplace. This includes niche industries left unclaimed amid pricing pressures that force other insurers to pursue more profitable channels.

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Security Services Insurance

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SWG SECURE Security Services Insurance provides coverage not normally offered by traditional insurers. Businesses that provide security guard services, private investigators, alarm systems, and locksmiths as well as others requiring entry to private living quarters, need a unique type of protection.

Our program takes into account all factors relevant to your client’s situation, helping to avoid unpleasant surprises down the road. You can trust us to evaluate the complete risk picture, offering coverage for all potential exposures, including failure to perform, design errors and omissions, bodily injury, advertising liability, legal expenses, property damage, and a host of other circumstances.

You may have turned down this type of high-risk client in the past, but with SWG’s support, you can provide a wide range of coverage options at fair and competitive prices.

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Personal Lines Insurance

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SWGELITE Personal Lines Insurance provides protection that caters to the needs of Canada’s leisure & lifestyle markets. It provides a range of coverage options for the risks arising from seasonal and annual leisure activities such as boating, RVing, cottaging, and more.

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Environmental Pollution Insurance

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SWG ENVIRO Environmental Pollution Insurance is designed for the unpredictable, costly exposure that every business needs to consider as part of its risk management program. While many pollution-related incidents can be prevented, there is always the possibility for an unexpected spill, contamination, or environmental condition to occur or surface. Environmental insurance policies cover clean-up requirements, first- and third-party claims for bodily injury, property damage, and associated legal expenses resulting from pollution or contamination events for which your business may become responsible, whether such events are “sudden and accidental” or “gradual” in nature.

Clients in every industry are subject to environmental risk and liability, making the need for a customized pollution insurance program essential in managing their exposures. Our environmental insurance products are designed to provide our clients with the broad coverage they need to protect their businesses from clean-up costs, defense costs, and legal obligations.

At SWG we provide customized coverage for Premises Environmental Liability, Contractor’s Environmental Liability as well as coverage for Storage Tanks. In many cases, we can provide all three categories under one customized policy, with limits starting at $250,000 up-to $5,000,000.

A Good Submission should include:

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Hospitality Services Insurance

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SWG HOST Hospitality Services Insurance is a leading program designed to accommodate most classes of hospitality risks including restaurants, fine dining, pubs, bars, venues with live entertainment, billiard pool halls, night clubs, and motel/hotels. We can quote up to and beyond $5,550,000 property TIV coverages. Liquor Liability is acceptable up $2,000,000 and in some cases up to $5,000,000. Standalone liability is available.

COMMERCIAL GENERAL LIABILITY – Includes the following highlights:

Construction & Contractors Insurance

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SWG CONSTRUCT Construction Insurance is specifically designed to protect the fixtures and/or equipment being used in a renovation or construction project. It covers a person’s or organization’s insurable interests should those items sustain physical loss or damage from a covered cause.

Builder’s risk insurance is typically bought by the owner of the building or land. Occasionally, if it is stated as a requirement in the contract, the general contractor will buy it instead.

Depending on the size of the construction or renovation project, these policies can be made either on an annual basis or on shorter terms, such as three, six, and nine months. For example, a construction project on a small single-family home can be completed within a three to six-month period, whereas a larger construction project on a row-house complex can take up to two years.

This policy should be put into effect at the first sign of exposure, which may include simple site prep, demolition at the site, or as required by the involved parties, such as financiers. Keep in mind that many insurance companies no longer offer builders risk coverage if the construction has already commenced, even if it is just the foundation.

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Inland and Marine Cargo Ins.

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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.

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Life Science Insurance

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Life Science companies continuously introduce new and exciting medical products and technologies that may present unique risks. We can assist with our knowledge of both the Canadian and international marketplaces.

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Public & Private Healthcare Companies Insurance

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SWG Healthcare offers comprehensive and flexible insurance solutions for both public and private healthcare companies.

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Senior Care Facilities

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Our program for senior care facilities covers a range of needs, from independent living residences to long-term care facilities offering 24-hour care.

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Directors and Officers Liability Insurance

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SWG D&O provides coverage for damage awards, settlements, and legal defense costs that may result from any breach of duties, wrongful act allegations, and lawsuits brought against an organization’s board of directors and officers including trustees, volunteers, and employees. Wrongful acts may include accusations of mismanagement or breach of fiduciary duties, misrepresentation to shareholders, creditors, and others, and failure to comply with federal or provincial laws and regulations governing workplace safety, employment practices, and environmental practices.

Individuals who serve on Directors and Officers Boards are increasingly held accountable for their actions and/or inactions. The policy will pay on behalf of individual directors, officers, trustees, volunteers, employees, and members of any duly-constituted committee damages and expenses from personal financial loss that may result from allegations and lawsuits of wrongful acts, breach of duties, or mismanagement carried out in their appointed capacity.

Whether allegations are founded or baseless, losses will almost certainly result. Directors and officers liability coverage is key to protecting assets as well as attracting and retaining qualified executives and board members.

The indemnity includes defense costs and damages that the corporation cannot pay, either because indemnification is not permitted, or the corporation is not financially able to do so. The policy will pay on behalf of the corporation for those amounts the corporation is required or permitted to pay on behalf of its insured persons.

The policy provides full entity coverage for the corporation itself by paying on behalf of the corporation the defense costs and damages that it is legally obligated to pay.

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Available Extensions

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