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Hard to Place Primary Products & Facility


To address those extremely difficult exposures that the Canadian marketplace often declines, we have developed a unique hard to place products and operations facility to target and write specific segments on a primary general liability basis.



Underwriting Criteria

  • Policy limits: Up to $2 million
  • Minimum deductible: $25,000
  • Minimum premium: $75,000
  • Policy forms: Occurrence and claims made

Submission Requirements

  • Detailed summary of all operations and locations
  • Quality control and risk control procedures
  • Claims experience - complete and current claim details, outstanding reserves, paid losses and expenses from prior carriers for a minimum of five years
  • Limits and coverage specifications
  • Financial reports
  • Brochures which describe the risk operations and products
  • Estimated revenue and payroll for the coming year broken down between Canadian, U.S. and foreign operations and/or sales
  • Website information
  • Full details on all past or discontinued products
  • Loss control surveys
  • Products and operations applications

Target Products and Industry Groups

  • Agri-chemical
  • Appliances
  • Athletic equipment
  • Consumer products
  • Medical and dental products (excluding implants, cancer or birth control)
  • Safety and security equipment
  • Toys or games
  • Water purification

To assist in quantifying risks that fit within our target business, individual accounts should have revenue exceeding $10 million.


Contact

Sandy McLaren
Vice President, Casualty Underwriting
Direct: 416-594-3072
Fax: 416-594-3062
Email: sandy.mclaren@acegroup.com

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