Services
I sell all kinds of business insurance.
If it operates in Halifax, I can probably place it. The industries below are the ones where my carrier relationships are deepest — where I know which underwriter will look at a difficult file and how they want it presented. That is not the limit of what I cover. It is where I am fastest and where I argue best.
The four I write most
Each has its own page, because each has enough going on to deserve one.
Everything else I write
Twenty more markets, each with the exposure that actually decides the policy. Tap any one to jump straight to it.
The core coverages, in plain language
Whatever the industry, the policy gets built out of the same pieces. Here is what each one does, and what it quietly leaves out.
General liability
Pays when your business injures someone or damages their property. It also pays your legal defence, which is frequently the larger number of the two.
Property
Building, contents, stock and leasehold improvements. What decides the claim is whether your values are current, not the limit printed on the declaration page.
Business interruption
Replaces the income you lose while you are shut down, and keeps paying rent and payroll. The most under-bought coverage in commercial insurance.
Equipment breakdown
Mechanical and electrical failure of the equipment you depend on, plus the stock that spoils when it stops. Property policies exclude this by default.
Commercial auto and fleet
Vehicles registered to the business and the people who drive them. Driver records move the premium here more than anything else does.
Cyber and crime
Ransomware, funds transfer fraud, a compromised point-of-sale, an employee quietly moving money. Small businesses get targeted precisely because they are assumed not to carry it.
Umbrella and excess
Sits above your primary limits. Landlords, general contractors and municipalities now routinely demand limits a base policy will not reach on its own.
Professional, D&O and specialty
Errors and omissions for advice and design work, directors’ and officers’ cover for the people running the company, and the MGA and surplus markets for vacant buildings, past claims and late-licence hospitality.
Not sure what you need?
Send me your current policy and tell me what you do. I will tell you what is missing before I tell you what it costs.