Products

Commercial Casualty & Excess Liability

Flexible Coverage for Unique Commercial Risks

Liability Protection for Businesses

In a market where traditional insurance often falls short, our Commercial Casualty & Excess Liability solutions provide tailored coverage for unique risks. Our solution-based underwriting approach offers the flexibility to accept risks that don’t fit the domestic appetite.

Commercial General Liability

Target Classes

INCLUDED BUT NOT LIMITED TO

Hospitality

Retail & Wholesale Operations

SME Manufacturing

Trades and Contractors

Business and Professional Services

Coverage Highlights

Canadian incorporated and domiciled business with worldwide sales exposure

(No US locations, no US manual work)

Casualty capacity of $10,000,000 available on a primary and/or excess basis, or combination thereof

Focus on SME business with revenues <$25,000,000

(Including up to 50% US sales, depending on class of business)

Higher revenues/limits available on a prior submit basis

Businesses with a minimum 3-year operating experience or related industry experience

Umbrella / Excess Coverage

Target Classes

Hospitality

Family Restaurants (licensed and unlicensed) with liquor receipts at 35% of total revenues higher liquor receipts considered on prior submit basis
Fine Dining Restaurants with liquor receipts at 55% of total revenues
Cafes
Coffee Shops
Food Trucks / Food Carts / Mobile Vendors
Take-out Restaurants
Chip Wagons

Retail & Wholesale Operations

SME Manufacturing

Trades and Contractors

Business and Professional Services

Coverage Highlights

Stand-alone Umbrella or Excess Lines available to sit over other General Liability insurance

Ability to schedule Auto (non-transportation / logistics)

Other Specialty

Target Classes

Pet Care Professionals

Revenues up to $250,000
Pet Trainer
Pet Daycare
Pet Groomers
Pet Therapies (Ex Equine & Vets)
Dog Walkers
Dog Kennels
Catteries
Dog Clubs & Societies
Pet Transportation (Ex US)
Microchipping
Manufacture of Pet Accessories
Greyhound Dog Assessment
Pound Dog Assessment
Manufacture of Dry Dog Food & Treats
Product Sales (up to $50,000)

Fitness Instructors & Personal Trainers

Minimum of 1 year experience and receipts up to $250,000
Aerobics Groups (no premises)
Asanas
Barre Instructor
Boxing for Fitness (Non-Contact)
Cross Fitness Gym
CrossFit
Dance
Exercise Studios
Fit 4 Two
Fitness Instructor / Trainer
Group / Class Fitness Instructor
Group Fitness & Training
Meditation Groups
Non-Contact Martial Arts
Nutritionist and Nutritionist Coach
Older Adult Fitness
Personal Trainer
Personal Training & Fitness
Pilates Groups
PiYO
Post-Natal Coach
Walking Groups
Weight Training
Wellness & Nutrition Specialist
Yoga Groups (no premises)
Zumba

Cart & Kiosk Merchandise Vendors

Flower Vendors
Costume Jewellery Vendors
Handicraft Vendors
Clothing Accessories (i.e. scarves; mitts; vests; wallets; purses – no children’s wear)
Sunglasses Vendors
General Merchandise

Food Vendors (No Liquor)

Take-out Restaurants
Food Carts & Trucks
Chip Wagons
Spice/Herb Vendors (buy in bulk & blend)
Fruit & Vegetable Vendors
Hot Dog Vendors
Ice Cream Vendors
Fish & Chips Vendors
Taco Stands
Burger Vendors
Refreshment Vendors (No Liquor)

Community, Cultural & Hobby Groups

Community Groups
Cultural Groups
Bingo Games
Walking/Running Groups
Cancer Support Groups
Social/Business Networking Groups

Application Forms

To apply for our General Liability product or renew existing product, or to apply for our Short Period Events products, please complete the appropriate application listed below, and EMAIL it to ABEX.