Our Policy Is Working For You

Serving Canadians Since 1982

Commercial Appetite

Our business products offer flexible protection over a wide range of industries. We work with you to provide customized limits that suit policyholders' professional needs.

Accommodation, Food, and Beverage Services

Bed and Breakfast Home
Campground
Hotel/Motel
Private Club
Resort Property
Restaurant *Licensed, No Alcohol*
Takeout Food Service and Caterer
Veteran's Hall

Amusement and Recreation Services

Art Gallery
Bowling Alley
Curling Club
Golf Club
Library
Museum
Tennis Club

Automotive Trade - Retail

Auto Dealer
Autobody and Paint Shop
Automotive Repair Garage
Car Wash
Gas Bar
Retail Auto Parts and Accessories

Business and Personal Services

Auctioneers
Bakeries
Chimney Sweeps
Drycleaners
Engineers
Funeral Home, Crematorium
Janitorial Services
Kennels
Land Surveyors
Locksmiths *No Alarm Work*
Party Goods Rental
Photography Studio (or Off-site)
Print Shop
Real Estate Agents
Repair Shops
Travel Agents
Tree Removal
Upholsterers
Veterinarians *Small Animals*
Window Cleaning

Contractors (Small, Medium, and Large)

Air Conditioning and Refrigeration
Commercial Construction
Concrete
Contractors Equipment Rental (With or Without Operators) *No Cranes*
Course of Construction
Drywall and Plaster
Electrical Contractors
Excavation Contractors
Fencing
Flooring Contractors
Framing Contractors
Glaziers
Grading of Land
Heating and Plumbing (Including Gas Fitting)
Insulation Contractors
Landscaping Contractors
Masonry and Bricklaying
Painting Contractors
Paving Contractors
Residential Construction
Road Construction
Roofing *No Hot Work*
Septic/Sewer/Water Main Construction
Siding, Doors, and Eavestrough Installation
Sign Installation
Snow Removal Contractors
Street Cleaners *Not Including Snow Removal Operations*
Swimming Pool Installation

Education Services
Property Cover Only:

Art School
Business College
Dance School
Elementary School
Music School
Post-Secondary School
Private School
Secondary School

Government and Public Service
Property Cover Only:

Fire Department
Municipality

Health and Social Services
Malpractice is not included:

Chiropractor
Clinic
Dentist
Doctor
Health Care Facilities/Associations/Agencies
Hospital
Massage Therapist
Opthalmologist
Optometrist
Orthodontist
Periodontist
Physiotherapist
Psychiatrist
Surgeon

Membership Organizations

Business Association
Church
Community Centre
Nonprofit Group
Synagogue
Temple

Oil and Gas

Battery Operators
Electrical Contractors
Fence Construction
Field Operators
Geologists (Well-site)
Grass Mowing Contractors
Land Reclamation *No Remediation*
Land-men
Lease Road Construction and Maintenance
Lease-clearing and Site Preparation
Oilfield Maintenance (With Hands-on Exposure)
Painting
Pipefitting
Pumpers
Sandblasting
Seismic Drilling
Site Supervisors
Snow Removal
Steam Cleaning/Thawing
Welders *B Pressure Oilfield Only*

Professional Liability

Barbers/Beauticians
Funeral Directors
Opticians
Pharmacists

Realty Service

Apartment Building
Building/Strata Owners - Mercantile and Manufacturing Tenant
Office Building
One-or-Two-Family Rented Dwellings
Residential Strata
Shopping Mall
Townhouse

Wholesale/Retail Trade

Bike Shop
Book Store
Clothing
Department Store
Electronic Equipment
Flooring
Florists
Food Store
Furniture
Gift Store
Hobby Store
Lawn and Garden Centre
Music Store
Pet Shop
Shoe Store
Sporting Goods *No Rentals*
Stationery/Card Shop
Tailors
Vending Machine Operator

Other Business Operations

Bottle Depot
Bus/Truck Maintenance Garage
Cargo *Short Haul 150km; No Hotshot*
Light Manufacturing and Processing
Logging Site Prep
Mining Camp Prep
Public Rental Units
Quarrying *Sand and Gravel Pit Only; No Blasting*
Radio/Television Stations *No Professional Liability*
Woodworking

 

For businesses not described in this Guide, or for any questions please contact your local independent broker today to see what other trades we can write.

To view or download a printable list of our Commercial Appetite Handout, please click here.