Insurance by Industry
Seven sectors we write deeply, across Atlantic Canada — where the wording, the markets and the claims that actually happen are different enough to need a program built for that industry rather than adapted to it.
01 / Our Approach
A Program Built for the Sector, Not Adapted to It
Most commercial insurance is written generically and then stretched to fit. That works until the claim lands on the part of the operation the generic form never contemplated — the curtailment band on a wind farm, the licence attached to a fishing vessel, the system-failure gap between a technology firm’s errors and omissions cover and its cyber policy.
Each page below is written for one sector: the exposures that define it, the wordings that matter, the Canadian markets that actually want the class, and where programs in that industry most often fall short. If your business sits outside these seven, start with business insurance or, if you build, Construction & Development.
Industries We Write
Each of these has its own page, written for that sector rather than adapted from a general commercial template.
What Defines the Risk in Each Sector
The short version of why these seven have their own pages. Each row names the exposure that actually drives the program in that industry.
Wordings and available limits vary by insurer and by risk. This describes what these programs are built to address, not what any particular policy will pay — your own wording governs.
Industry |
What defines the risk |
What we place |
|---|---|---|
Where a Generic Program Falls Short
These are the gaps that show up when a sector is insured on a general commercial template. Every one of them is visible before a claim, if somebody who knows the industry looks.
- The wording was never read against the operation. A form that suits an office is quietly wrong for a plant, a vessel or a licensed premises.
- Values that stopped tracking reality. Business interruption, stock and replacement costs set at a renewal nobody questioned.
- The market does not want the class. Placed with an insurer that tolerates the risk rather than one that understands it, which shows at renewal and at claim time.
- Statutory and licence conditions missed. Fishing licences, food permits, liquor rules and generation agreements all carry insurance consequences.
- Two policies that should have been reviewed together. Errors and omissions beside cyber, property beside equipment breakdown — losses fall in the space between them.
How We Build a Sector Program
The same method behind all seven pages, and behind the programs we place.
- Start from the operation. What you actually do, where, under what contracts and licences — before any form is quoted.
- Name the exposures that define the sector. Not a checklist of coverages, but the handful of things that decide whether a claim is paid.
- Go to the markets that want the class. We hold access to more than fifty insurer and surety markets, and we know which of them write each of these industries properly.
- Read the wording against the risk. Endorsements, exclusions, conditions and sub-limits, checked against how the business runs.
- Review it every year, with the same broker. Values move, operations change, and the program has to move with them.
Not One of the Seven? We Still Write It
These seven have their own pages because we have written them long enough to publish the detail. They are not the limit of what we place — they are where our published depth is. If your sector is not here, the conversation starts the same way.
- Professional services — accountants, consultants, engineers, architects and agencies.
- Transportation and logistics — fleets, cargo, warehousing and distribution.
- Agriculture and food production — farms, processors and cold storage.
- Retail, wholesale and service premises — single sites and multi-location operators.
- Not-for-profits, associations and municipalities — including volunteer board exposure.
- Something else entirely. Tell us what the business does and we will tell you honestly whether we are the right broker for it.
What Sits Alongside an Industry Program
- Business insurance — the general commercial program, and the right start if your sector is not one of the seven.
- Construction & Development — written for builders and developers specifically, including wrap-ups and course of construction.
- Surety bonds — bid, performance, payment and the commercial bonds several of these industries are asked for.
- Personal insurance — home, auto and high-net-worth coverage for owners and key people, handled by the same office.
Frequently Asked Questions About Industry Insurance
Because the claims that actually happen in your sector are not the ones a general commercial form was drafted around. A wind farm has a statutory curtailment band; a fishing enterprise has a licence that has to survive succession; a technology firm has a gap between its errors and omissions cover and its cyber policy. A generic program insures the building and the liability and misses the thing that defines the business.
Yes. The seven have their own pages because we have written them long enough to publish the detail, not because they are the limit of what we place. We write professional services, transportation, agriculture and food, retail and wholesale, not-for-profits and municipalities, among others. Tell us what the business does and we will tell you honestly whether we are the right broker for it.
Usually, yes — particularly if values, premises or operations have changed since the program was set. Conditions have also been moving in buyers’ favour: through 2025 and into 2026 most Canadian commercial lines have been flat to modestly down, with commercial automobile the clear exception. A review costs one conversation and your current policy.
Yes, and in the same office. Several of these industries are asked for bonds by owners, regulators or counterparties, and placing both together means your coverage and your bonding capacity are built to support each other rather than compete for the same financial information.
We hold access to more than fifty insurer and surety markets. Which ones we approach depends on the class — each of these industries has a short list of Canadian markets that genuinely want the business, and a longer list that will quote it and then struggle at renewal. Knowing the difference is most of the job.
From our Halifax head office and a second office in New Brunswick, across Nova Scotia, New Brunswick, Prince Edward Island and Newfoundland & Labrador, with national and cross-border capability where an operation needs it.
Talk to an Industry Specialist
Tell us what the business does and what you are being asked to carry. You will hear back from a broker who handles the file themselves — not a call centre.
Ready to Review Your Industry Program?
One conversation and your current policy is enough to tell whether the program fits the operation. If it does, we will say so.