Frequently Asked Questions about Speciality Products & Services

It covers liabilities associated with hosting or organizing events, ensuring you're protected against potential claims.

It reimburses deductibles you have paid towards other policies such as your home, auto, boat and more!

Most Condo policies only cover up to $100,000 against strata deductible assessments. If your condo’s strata’s deductibles are higher than what your underlying condo policy can cover, we can issue a “top up” Excess Strata Deductible Assessment policy to cover the difference.

While most home policies do cover glass, the downside is you often have to pay a $1,000 deductible and have a claim against your home policy. Since glass claims are often small, it often isn’t worth going through the home insurer. By purchasing a separate glass policy, your claim will be handled by glass professionals and often with $0 Deductible.

In the event of an earthquake where the damage is substantial enough that you must pay an earthquake deductible to your overlying Home, Condo, or Commercial insurance company, the Earthquake Deductible Buy Back policy will pay this Deductible on your behalf up to its policy limit.

In the event your auto, home, or commercial liability coverage is inadequate or exhausted, an umbrella policy provides additional coverage up to its own policy limit. Many Auto or Home policies only offer coverage up to $2 to $5 Million, whereas an Umbrella policy can increase coverage up to an additional $10 Million.