Commercial Coverage

Protecting your operations and workforce.

We design tailored commercial insurance portfolios for contractors, trades, and businesses across Canada and the US. Headquartered in Calgary, AB.

WCB & Workers' Comp

Workers' Comp & WCB Management

Optimize your workers' comp premium calculations and WCB rate structures. We design pay-as-you-go systems linked directly to payroll to maximize cash flow and prevent end-of-year audit surprises.

  • Pay-as-you-go premium integrations linked directly to payroll cycles
  • Active rate audits and classification code reviews
  • Management of annual WCB assessments and corporate filings
  • Claims monitoring and return-to-work program advisory

Audit Protection & Cash Flow

Link your workers' comp premiums to actual payruns. Save up to 15% in cash flow by removing upfront cash deposits entirely.

Get a WCB Quote
Liability Protection

Commercial General Liability

Protect your business from third-party bodily injury and property damage claims arising from your site operations or finished projects. Crucial for securing commercial contracts and meeting strict developer and municipal requirements.

  • Broad coverage for site accidents and completed operations claims
  • Additional Insured endorsements tailored for developers and GCs
  • Primary & Non-Contributory wording standard in all certificates
  • Cross-liability clauses protecting joint venture operations

Contract Qualification

Fast, compliant Certificates of Insurance (COIs) to prevent job site delays. Limits scaling from $2M to $10M+ to qualify for major commercial bids.

Get a Liability Quote
Course of Construction

Builder's Risk Insurance

Specialized coverage for new construction, structural additions, and renovations. Protects structural frames, building materials, and on-site labor against damage from fire, wind, theft, vandalism, and extreme weather.

  • Protection for building materials stored off-site or in transit to the project
  • Policy periods matching construction schedules (3, 6, 12+ months)
  • Built for new construction, additions, and heavy structural renovations
  • Covers soft costs arising from project delays (e.g. interest, taxes)

Structural Asset Protection

Flexible policy extensions to keep you covered even if construction timelines run over. Fast setup for new builds.

Get a Builder's Risk Quote
Fleets & Equipment

Commercial Auto & Inland Marine

Cover your vehicle fleets, transport trucks, and mobile tools or equipment. Inland marine floaters ensure your tools are covered whether on the road, in a truck, or at the work site, so operations never halt.

  • Fleet auto policies with flexible driver qualifications
  • Tool floaters with replacement cost valuation for active trade tool kits
  • Coverage for heavy machinery, specialized trades equipment, and cranes
  • Physical damage and transit liability protection for client cargo

Mobile Assets & Fleet Security

Comprehensive tool floaters protecting tools and mobile equipment anywhere: on road, at site, or stored. $0 deductible options available for specified tool kits.

Get a Fleet & Tool Quote
Financial Guarantees

Surety Bonds

Access rapid bonding setups including performance, payment, bid, and license bonds required to bid on public and private commercial tenders. Secure the capacity to lock in major jobs.

  • Rapid contract bonding pre-qualification pipelines
  • Bid bonds, performance bonds, and labor/material payment bonds
  • State & provincial license and permit bonds for regulatory compliance
  • Established programs with leading AAA-rated surety carriers

Contract Bidding Capacity

Fast underwriting setup to secure bonding capacity. Bond pre-approvals and bid certificates issued in under 24 hours.

Get a Surety Bond Quote