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SWG expert says routine construction mishaps – from plumbing failures to soil transfer between sites – are generating larger claims than headline-grabbing PFAS risks

Learn about SWG’s comprehensive insurance solutions for Canadian food retailers.

Learn about architects' and engineers' liability risks in construction and effective mitigation strategies, including SWG PL’s comprehensive insurance solutions.

Tailored insurance solutions for beauty salons to mitigate risks and protect businesses effectively.

See how SWG’s flexible underwriting helped a waterfront mobile food business secure coverage for its evolving plans.

Discover key risks and insurance tips for brokers working with street food vendors in Canada.

SWG’s insurance adapts to seasonal restaurants, built for peak seasons and quiet months alike.

SWG insured a takeout, catering, and food truck business under one policy with a competitive premium.

Innovation in Life Sciences and Digital Health brings unique risks; proper insurance is crucial for protection and growth.

Security jobs are growing in Canada as alarm systems protect valuable assets. Get tailored insurance for security system installers.

Tailored commercial insurance for Canadian media and multimedia businesses.

Protect hotels and motels with tailored insurance for weather, theft, and business interruption.

SWG HOST Insurance helps hospitality venues stay protected from seasonal risks like alcohol liability and property damage.

SWG Secure protects security firms from liability, negligence, and operational risks with broad, specialized coverage.

Swift, tailored insurance for a hybrid healthcare provider offering in-person and virtual services

Protect your retail clients with tailored CGL insurance—essential for managing risks like slip and falls, product liability, and more.

Tailored liability insurance helps event planners stay protected and build trust with clients.

SWG’s Excess E&O solutions empower brokers to secure higher, flexible liability limits for complex client risks.

SWG ENVIRO offers tailored insurance for sudden or gradual pollution risks at industrial and commercial sites.

Discover why Halloween retailers need specialized property coverage and how SWG can assist.

SWG streamlined coverage for a medical clinic with a single policy, addressing cyber risks and simplifying renewals.

How a will-writing firm secured tailored D&O insurance with improved coverage and lower premiums.

Protect businesses from infectious disease risks with SWG’s broad commercial insurance coverage.

Tailored CGL insurance for wholesalers: protect products, property, and operations with SWG’s specialized coverage.

Read about our comprehensive insurance for senior care facilities.

From beans to business, learn about our comprehensive insurance for coffee shops.

Tailored CGL insurance to protect pet care manufacturers from liability, recall, and property risks.

Canada's innovative medical device industry faces unique risks; our tailored insurance ensures protection and growth.

By partnering with SWG, your clients can secure their businesses and focus on delivering exceptional pest control services without worry.

Navigate stricter regulations and rising pollution risks with essential pollution liability insurance for high-risk industries.

Ensure the safety of rental properties with custom commercial insurance for distinct risks.

Read why electricians need specialized insurance to protect against high-risk hazards like fires and property damage.

This article delves into the significance of Third-Party Liability insurance for Healthcare fleets and its benefits.

Get tailored insurance for importers, exporters, and wholesalers, covering various risks and exposures.

Comprehensive environmental liability insurance for contractors protects against pollution-related financial risks.

Ensure hospitality businesses have insurance coverage for outdoor seating to protect against summer risks and liabilities.

SWG provides specialized coverage for home monitoring systems as a submarket within the security industry.

A charity event in Quebec needed tight-budget insurance solutions to safeguard attendees and support a noble cause.

See how SWG swiftly insured a high-value home, offering comprehensive coverage and cost-effective solutions.

SWG helps a transport company overcome insurance challenges within 24 hours.

Commercial liability insurance shields Canadian fence and deck contractors from risks. Read more about it.

Learn about our COC (Builder’s Risk) insurance in this informational guide for brokers.

We are excited to show off our SWG ELITE Mobile Home policy. As a trusted partner in providing comprehensive coverage solutions, we are committed to meeting the unique needs of mobile homeowners across Canada. Please note that this coverage is not available in Quebec. The SWG ELITE policy has been designed to offer your clients…

Discover tailored insurance solutions for unique risks in Canadian surgery centers from SWG Healthcare Insurance.

Discover the hidden gem of insurance that could be a game-changer for your clients in the manufacturing and wholesale sectors.

Canada's food truck industry is booming, offering diverse culinary delights. Commercial insurance is essential to protect against various risks.

SWG is committed to providing competitive rates for Premises and/or Storage Tank Environmental Insurance with policies tailored to provide maximum protection for gas & service stations.

Tax season is fast approaching. As accountants, bookkeepers, and tax professionals prepare for the busy season, now is a good time to ensure that they have adequate insurance coverage. How Are Accountants, Bookkeepers, and Tax Professionals Different? Accountants: Accountants are certified professionals who perform various functions such as account analysis, auditing, and financial statement analysis.…

Navigate the digital jungle with cyber extension insurance—your high-tech shield against data breaches, ransomware, and phishing scams.

Discover the key differences between claims-made and occurrence insurance, and why it matters for your clients’ coverage needs.

Streamline your insurance submissions with SWG! Follow our tips for quicker turnarounds and smoother underwriting.

Protect your clients’ operations and supply chains. Learn about SWG’s wholesalers' property insurance.

Discover how our underwriting team’s quick thinking saved the day, and kept the business fully protected.

Explore the latest risks and trends from regulatory scrutiny to cybersecurity and ESG accountability.

Find out the 5 main differences between Professional Liability and D&O Insurance to optimize your client protection strategies.

SWIG rebrands A.M. Fredericks to SWG Specialty Underwriting Services, enhancing insurance solutions for high-risk sectors.

Learn how SWG swiftly resolved a property coverage gap for an online jewelry store, offering customized insurance.

Discover how our all-in-one insurance package transformed coverage for a multi-faceted hospitality business in Saskatchewan.

Learn why thorough insurance is crucial for Canadian manufacturers facing significant risks and rising revenues.

With winter right around the corner, there can be a host of problems for church buildings, especially large old ones. Check out this winter checklist to make sure your faith organization client's place of worship is winter-ready. Common Winter Hazards Frozen pipes Churches across the country are exposed to this risk during the winter. A…

Winter in Canada poses risks for small and medium businesses. Learn about our insurance coverage options.

A Billion Dollar Industry! Tattoos, piercings, and scarification have been around for thousands of years and are seen by many as a way to express oneself. They may also be used culturally to show status. However, it is necessary to understand the health risks associated with these types of body modifications With the line-ups forming in…

Travel is booming ! Ensure travel agents have the right PL insurance to stay protected. Discover coverage options and legal tips.

There are many reasons to install an security system in a home or business. See how SWG covers the instillation of these high tech measures.

Addressing the complexities of professional industries, SWG’s specialized liability coverage helps brokers mitigate evolving risks.

Discover the newest trends affecting the retail industry in Canada.

Rooming houses are an affordable way for a person to get housing in a strenuous market. Read along as we take you through the basics of rooming houses and how SWG can offer your clients great coverage options for these dwellings.

Stay ahead of IT risks with SWG’s tailored coverage for cybersecurity, Tech E&O, IP infringement, and media liability.

Discover how SWG’s expertise helped a life sciences firm secure lower costs while maintaining top coverage.

Read how SWG's tailored E&O coverage safeguards a solar consultancy's expert advice, ensuring continued success without legal risks.

Learn how SWG's tailored E&O coverage empowers a non-profit to continue aiding developmentally challenged adults seamlessly

See how SWG tailored insurance for a Quebec startup, ensuring robust protection for a security service helping vulnerable individuals.

Dive into this compelling case study to see how SWG's tailored approach, and competitive solutions for tattoo coverage, not only met but exceeded the client's expectations.

With SWG Healthcare: Medispas, you can rest assured that your client's healthcare practice or facility is comprehensively protected. This innovative insurance solution is designed to cover all critical aspects of their operations, allowing your client to focus on what matters most.

Learn how SWG teamed up with a broker to promptly arrange property insurance for an unoccupied house with distinctive legal conditions, providing thorough coverage and smooth policy issuance for both the mortgagee and the owner.

Find out how SWG worked alongside a broker to provide tailored Commercial General Liability insurance for a major rock band exhibition in Montreal and Toronto, guaranteeing extensive protection and efficient operations for a successful event.

Discover how SWG partnered with a broker to deliver specialized insurance coverage for the North American debut of an F1 Exhibition in Toronto, ensuring comprehensive protection and seamless operations for THIS high-profile event.

Explore how SWG collaborated with a broker to obtain crucial professional and general liability insurance for a leading Nordic Spa in Quebec, ensuring its smooth operation within a tranquil natural setting.

At South Western Insurance Group (SWG), we're proud to offer comprehensive Direct & Facultative Business Solutions that cater to unique and hard-to-place products. We understand the challenges of finding suitable coverage for unconventional risks, which is why our team specializes in providing tailored insurance solutions to meet your clients' needs.

Licensed or not, don't leave your restaurant industry clients vulnerable to unforeseen events. With SWG, they can focus on providing exceptional guest experiences while we safeguard their business interests.

Directors and officers play a critical role in steering organizations towards success, but their positions expose them to potential legal risks. Directors & Officers insurance provides a vital safety net, shielding leaders and organizations from the financial fallout of lawsuits and allegations.

Protecting Senior Care Organizations in Canada

Protect your clients from the unique risks that food truck business owners face.

Is your client hosting live bands or offering outdoor patio seating?

Did you know we offer comprehensive insurance coverage for campgrounds? Look no further.

As tax season approaches, we understand the heightened responsibilities and unique challenges faced by professionals in the accounting, bookkeeping, and tax preparation industries. At SWG, we take pride in our commitment to providing unparalleled coverage tailored specifically to the needs of your clients within these specialized fields.

We are excited to highlight one of our diverse offerings, SWG CGL: Fence and Deck Contractors Insurance Coverage, tailored specifically for professionals in the fence and deck contracting industry. With a comprehensive range of coverage options, we aim to provide peace of mind and financial protection to businesses facing the unique risks associated with this…

As the trusted partner for insurance coverage, South Western Insurance Group understands the significance of protecting the things that matter most to your clients. In this article, we shed light on the crucial aspects of insurance coverage for cottages. With the increasing popularity of cottage ownership and the unique risks associated with these properties, it…

Brokers, empower your clients in the security industry with SWG:SECURE, our exclusive insurance offering.

South Western Insurance Group Ltd. (SWIG) has acquired A.M. Fredericks Underwriting Management Ltd. (AMFUM). This alignment will expand each business’ potential for growth and a pathway for continued success. Terms of the transaction were not disclosed.

Protecting businesses from unforeseen events is crucial, and SWG CGL - Excess and Umbrella Insurance provides the comprehensive coverage your clients need. Here's why it's a game-changer:

In an era of rapid business transformations and complex challenges, the role of business consultants has become indispensable. From offering strategic insights to streamlining operations, consultants play a pivotal role in driving success. However, with this responsibility comes the potential for errors or omissions, leading to financial repercussions. That's where Professional Liability Insurance, also known…

Excess Liability will provide additional limits when your current CGL policy limits have been exhausted. Excess and Umbrella Liability can be applied to multiple underlying liability policies, such as General Liability policy, E&O Policy, Automobile Liability, and many more Umbrella Liability, however, will go above and beyond Excess Liability. Providing additional protection by: Drop down…

A reminder that SWG is able to cover your pub, bar, and club clients with alcohol sales over 35%, up to 100%, so long as we have identified there are sufficient food options for the patrons.

Time to break out the marshmallows and sleeping bags, are your clients covered? As we head into the spring and summer months, the camping season is just around the corner. For many families and individuals, camping is a favorite pastime and an opportunity to spend time in nature with loved ones. However, with the rise…

South Western Insurance Group Limited (South Western), Canada's leading Wholesale Insurance Intermediary/Managing General Agent, is proud to have partnered with a Specialist Insurer that has been the leader in servicing Faith Organizations and Communities for decades, globally and throughout Canada. "This partnership positions SWG to meet the unique needs and interests of faith communities on…

As an insurance broker, you understand that restaurant owners face a wide range of risks on a daily basis. There are many potential liabilities that can lead to costly legal battles and damage to a restaurant's reputation. That's why it's essential for restaurant owners to have the right insurance coverage to protect their businesses. Two…

A M A L G A M A T I O N South Western Insurance Group Limited & MedThree Insurance Group Inc. We are very pleased to announce that effective January 1, 2023, MedThree Insurance Group Inc. will amalgamate with South Western Insurance Group Limited (SWG). The new corporation will operate under SWG a recognized…

BEAUTY CAN BE RISKY BUSINESS! As with any business, owning and operating a beauty salon, hair salon or spa – or a combination of beautician services - can be a highly rewarding and thriving business opportunity, provided you are prepared for the associated risks. The market size for hair and nail salons in Canada is a…

The Canadian charity and not-for-profit sectors are a vital part of the Canadian economic fabric, and make a significant impact on the lives of Canadians. Canada is one of the largest, and most active supporters of not-for-profit, charity and volunteer sectors in the world. Approximately 2 million Canadians are employed by the not-for-profit and charitable…

Commercial Heritage Protection: Understanding the complications associated with calculating the complexities of damage and/or replacement cost value for heritage properties and structures requires specialized experience. This important base of knowledge can alleviate what are often tragic outcomes of insufficient insurance, determining appropriate insurance, replacement costs, actual cash value, etc., that complicate coverage in evolving times.…

Legislative changes to the Canadian Environmental Protection Act could have an impact on pollution liability in the near future. Canada introduced in the Senate the Strengthening Environmental Protection for a Healthier Canada Act in February 2022, in which the Canadian Environmental Protection Act (CEPA) will be modernized for the first time in twenty years. This…

Help Prepare Arborists for Storm Season Damaged or downed trees can make spring a busy and dangerous time for arborists. In Canada, October through April are the windiest months, with winds averaging 11.4 miles per hour. In March of this year, the weatherman predicted wind gusts of up to 100 km/h in Toronto, Ontario.  …

SWG PROPERTY: Food Trucks Food trucks are the lifeblood of any city, attracting tourists and revitalizing neighbourhoods. But with the pandemic and fluctuating oil prices and permit fees, many vendors are feeling the strain. Businesses like the one in Winnipeg are now seeking government assistance to cover the costs of losing significant revenue due to…

SWG Property: Rented Dwellings Brokers in the commercial property market should look to Ontario for new business opportunities in rented housing insurance. Vacant houses are on the rise in Toronto and on the decline in Vancouver, according to a new analysis of census data.   Over the past five years, the number of housing units…

SWG PL: Para Legal Offices   Did you know paralegals and legal assistants are one of the most in-demand jobs in Canada? Job Bank Canada found that paralegal jobs are expected to grow by approximately 14,200 in the next 8 to 10 years thanks to expansion, replacement, school leavers, immigration and mobility in provinces such…

Over the past century, Canadian funeral customs have changed dramatically. A century ago, families would wash and dress the bodies of their deceased loved ones, the local carpenter built a simple pine box for the casket, and burials took place in the church cemetery. Today, dealing with death is largely outsourced in Canada. The Canadian…

For independent brokers, there are multiple benefits to working with a managing general agent (MGA) in today’s hard market. As insurance markets become more challenging and drive insurers away from riskier classes of business, MGAs are in a prime position to pick up the slack. But South Western Group Limited (SWG) wants brokers to know…

  Market researchers evaluate the feasibility of a new product or service, through conducting research directly with potential consumers. By using this method, organizations can discover their ideal market, collect and document opinions, and make informed business decisions. Marketing agencies with expertise in this process can help companies who are unable to conduct their own…

Public relations professionals analyze, develop, and implement communications and promotion strategies and information programs, publicize events and activities, and maintain media relations on behalf of businesses, governments, and other organizations. In general, they work for consulting firms, advertising agencies, corporations, associations, governments, nonprofits, museums, galleries, public interest organizations, and other organizations, or they may be…

SWG strives to provide the best technology and human expertise when handling claims. As such, International Programs Group (IPG) has joined forces with the London market of SCM Insurance Services, a third-party administration company. IPG is one of North America's leading TPA providers with offices in Canada and the United States. The company is fully…

Companies that manufacture products, operate heavy machinery, and operate large warehouses take on larger risks than they might realize. Manufacturers may be held liable for various bodily injury and property damage claims, as well as any medical or other expenses incurred by injured parties. Even smaller companies like business startups or companies with few assets…

A University of Regina study found that workers' compensation boards accepted 271,806 claims for lost time due to injury in 2019. The majority of these claims came from Quebec, with 82,821. The most injury-related deaths occurred in Alberta, with 85, while the highest number of occupational disease deaths occurred in Ontario, with 226.   The…

In the face of challenges, the retail industry has shown agility and resilience in adapting to the market and customer needs, including the COVID-19 pandemic lockdowns.   A recent study released by RBC outlined some of the top retail trends in Canada for 2020. Here are three key observations from that study.   1) Government…

As ongoing labour shortages continue to hamper certain sectors, COVID-19 pandemic economic effects are squeezing businesses already struggling to find workers. Businesses of all sizes say they are having difficulty finding workers, so employers are offering more incentives such as higher wages, bonuses, and flexible work schedules in an attempt to attract workers.   The…

How can you ensure an insurance policy adequately covers and protects the value of a property in the event of a partial or total loss? The key is insurance-to-value. The insurance-to-value ratio is the percentage of insurance coverage equal to the replacement cost of the insured property.   How is value assigned to a building?…

South Western Insurance Group (SWG) proudly celebrates 60 years in business this year, making it one of the country's longest-standing and respected managing general agents (MGA). Also, in recognition of SWG's achievement this year, the company was awarded the distinction of being a five-star MGA by Insurance Business Canada.   The team at SWG has…

Construction contractors understand the importance of having general liability, workers' compensation, and inland marine insurance. Another important consideration is environmental insurance.   As a broker, how do you convince contractors to consider environmental pollution insurance? Here are five reasons.   1. Canada's environmental laws are becoming more stringent   A major overhaul is taking place…

Alarm monitoring centres are places where trained operators handle alarm events. Sometimes, these centres are staffed by employees of home security providers. In other cases, they are third-party companies subcontracted by security companies, makers of personal medical alerts, and similar companies.   One of the most important things central station monitoring companies should do to…

The future looks optimistic for business consultants. Globally, disruption of the COVID-19 pandemic has created unprecedented opportunities for change.   But the industry is not without its challenges. Consulting firms are also seeing a shortage of consultants, according to Bloomberg Magazine. A survey finds that nearly two-thirds of consulting firms are understaffed, and one-fifth are…

Canadian manufacturers, distributors and wholesalers have experienced recent growth driven by a strong domestic economy. As of June 2021, Canada’s wholesale sales hit $71.5 billion. (1) In spite of a decline in June, wholesale goods sales increased by 2.6% in the second quarter of 2021 compared to the first quarter, the fourth consecutive quarterly increase.…

According to a recent survey by MADD Canada, new drivers are almost 45% more likely to be involved in a crash than experienced drivers. (1) As motor vehicle accidents are one of the leading causes of death among teenagers, that's a pretty big deal. So it comes as no surprise that 78% of Canadians say…

One of the broker's responsibilities is offering sound professional advice to help professionals minimize risk at work or in operation. In the long run, tattoo artists who follow this advice will reap the benefits in their health and their reputation.   Tattoo parlours are opening up shop to a flood of client bookings as COVID-related…

Having struggled with beauty maintenance at home for months, Canadians are more appreciative than ever of their stylists and aestheticians, according to recent statistics. Business Wire reports that personal care appointments have increased 120% across Canada since the industry reopened. (1)   The role of a beautician is to provide clients with hair care, nail…

As university students return to school, new kinds of student housing have grown in demand. In Vancouver, quarantine housing is in high demand to accommodate the international students returning to UBC. The university has designated 160 units for self-isolation so far, and even hotel partners have provided quarantine rooms. (1)   Renting a room or…

Faith-based places anchor and shape communities. In addition to fulfilling their spiritual mission, they serve as prominent physical landmarks and symbols of collective heritage, and have been gathering places for generations.   As religious organizations pivot with changing times, or struggle to preserve their presence in their communities, the issue of insurance coverage arises inevitably.…

D&O is one of many commercial lines in a hard market. From 2004 to 2019, the line of business had soft market conditions, when rates continuously decreased as a result of the high capacity in the market. Eventually, losses began to mount as insurers continued writing the line and many markets have ceased writing D&O…

Commercial properties offer business owners high visibility and easy access as two of their biggest advantages. Commercial properties, which tend to be spacious and conveniently located, allow retailers and other companies more freedom to design their facades and interior spaces than those within large buildings like shopping malls. These benefits come at the expense of…

The Law Society Act, Insurance Act, and the Solicitors Act were all amended in 2016 as a result of arguments from insurers regarding disclosure of how lawyers' and paralegals' fees are calculated. (1) Once passed into law that same year, Bill 12 required that any fee agreement with a lawyer or paralegal disclose how the…

Recruiters are tasked with the challenge of vetting and recommending the right candidates for employers across a variety of industries. At the same time, they must also satisfy job-seekers looking for career opportunities that match their goals and experience. Whether their clients are hiring companies or individual job-seekers, recruiters must ensure they represent candidates accurately…

SWG: Secure - Positive Industry Outlook Calls for Coverage   Security companies provide private security guards, patrol vehicles, as well as additional services such as alarm systems, cybersecurity, background checks, investigation, risk analysis, and security consulting. Security companies often offer more than just basic security guards, including specially-trained security guards equipped with first aid, CPR,…

The pandemic has been hard on many industries, and the construction industry is no exception. However, according to recent forecasts, Canada’s construction industry is expected to have sharp growth over the next year, followed by continual growth over the remaining ten-year forecast period. This article will further detail the forecasted rebound and the risks specific…

SWG CGL: Excess & Umbrella Explained The difference between Excess and Umbrella can be a bit confusing. Both are applied in circumstances where the underlying limits of a policy have been reached. Though often used interchangeably, they are not the same. Let's look at how to differentiate the two:   Excess Liability Insurance provides coverage that…

Technology Consultants, also known as IT, ICT, or digital consultants, help businesses with the development and application of Information Technology (IT). An IT Consultant works on large transformational projects as opposed to in-house IT upkeep, evaluating an existing process or processes and solving problems, implementing new strategies, and permanently improving their client's business going forward.…

The Canadian Construction Documents Committee (CCDC) is a national joint committee responsible for the development, production, and review of standard Canadian construction contracts, forms, and guides.   The CCDC 2 Stipulated Price Contract is a common form of specified price contract which is regularly used within the Canadian construction industry.   In December 2020, the…

Which leisure and lifestyle industry has been booming among Canadian families this past year? If you guessed the boating industry, you’re right. According to a recent spending report by Moneris, Canadians spent more on outdoor recreation compared to last year across Alberta, Ontario, and the country as a whole: ● Ontario boat dealers saw a 26%…

Brokers providing Pollution Liability to their clients may need to revisit their policies now that the Ministry of Environment has made a new law under the Pesticides Act. The new law states that anyone who applies pesticides - whether for farming, landscaping, golf courses, and more - now requires a license to do so. These…

Canada’s housing markets are booming in cottage-country as people rush to buy a vacation property or work-from-home oasis. Huntsville, Ontario is a prime example. Located near Algonquin Provincial Park and Arrowhead Provincial Park, the city’s modest population of just under 20,000 soars to 85,000 in the summer. Serving not just year-round residents, but also cottagers…

Canada’s security industry offers a variety of personal, technical, and digital services to protect people and property. South Western Group provides tailored coverage based on deep expertise in the security industry - covering everything from installers, to manufacturers, to security guards, to private investigators.   Home monitoring systems are a submarket within the security industry…

SWG PROPERTY: Food Trucks Are Opening Shop With A Sense of Optimism Spring is in the air, bringing Canadians welcome respite from home-bound living. As the days get longer and warmer, municipalities and businesses are ramping up for food truck season.   Mobile eateries are opening their shutters as the weather warms. New ventures are…

After a long winter, spring is finally coming and this means summer is not far off. Anxious from spending the cold months cooped up and socially distanced in their homes, Canadians are itching to get outdoors, breathe in the fresh air, and feel the warm sunlight on their skin.   According to news sources, Canadians…

Since the late 1960s, the private law enforcement industry has grown more than tenfold. Careers in private law enforcement were rated among “the 30 best-paying fast-track careers.” In recent years, the private investigator industry grew by 33.6% in Ontario as police careers in the province shrank by 6.8%. (1) Private investigation is a growing industry,…

Suppose a municipality (“the City”) rents a hockey rink at a community center to a local hockey club and minor hockey association for a minor league game. During this game, a young boy is injured by a stray hockey puck while watching from the stands. The young boy’s guardian then sues both the City and…

Canada has a robust and pervasive software development industry. Cities currently attracting a high number of software engineers include Ottawa, Waterloo, Toronto, Calgary, Mississauga, and Vancouver. Canadian developers work in organizations ranging from startups and government agencies to publicly-traded corporations. They also work in a variety of different industries, from information and communications technology (ICT),…

Copywriters are diverse professional writers serving big corporations, small businesses, and agencies as freelancers or contractors. The Government of Canada website defines their role as writers who study and determine a product or service’s selling features and write the text for advertisements and commercials. (1) But their role can often extend to other services, such…

How To Speed Up Your Submissions Process (Plus A Free Broker Tip Sheet) As a broker, you offer carefully calculated advice and counsel to your clients. But there’s a challenge. New technologies are increasing the pace and convenience of service. Now, brokers must also meet this increased need for speed, while maintaining the same quality…

Whether it’s a motor vehicle collision or an aviation accident, an accident can strike seemingly out of nowhere, and the causes of such accidents are rarely transparent. That’s where accident investigators come in. These professionals are called upon to handle investigation-related responsibilities at the scene, often working with police and other parties involved. They play…

Web hosting service businesses host websites while providing both Internet access and storage. Typically hired by the webmaster of a company, or by the IT department of a medium to large company, web hosting services need to know the importance of online security to ensure the protection of their customers’ websites and content.   Data…

SWG PL: Funeral Directors Need Coverage As Unique As Their Job According to the government of Canada website, there were more than 1,500 funeral establishments in the country, (1) the bulk of which operate out of British Columbia, Ontario, and Quebec. Most of these establishments are small to medium sized businesses (99.6%) and profitable (82.2%).…

SWG PL: As Life Coaches Help Us Take on Our New Year’s Resolutions, Here’s What Brokers Need to Know As we approach a new year, thousands of Canadians stuck at home will have had plenty of time to reflect on their goals for 2021. Whether it’s getting in shape, making a scary career move, or…

SWG PL: The Future Looks Bright For Interior Designers. Here’s What Brokers Need to Know It’s certainly not news that COVID-19 has disrupted the way we work and do business. The interior design industry is no exception. By May 2020, 77% of designers reported that they’d had projects canceled or postponed. (1)   Yet despite…

From catastrophic damage to unexpected vacancies to disgruntled tenants, apartment house owners have their share of risks to consider. Tenants and businesses look to them for fair and timely responses during a crisis, and if these residents and business owners feel the response didn’t go far enough in their favour, they can opt to take…

SWG PL: Media/Multimedia - PL For PR Public relations consultants wear many hats. From brand management, to media management, to event management, PR agencies assume ownership over multiple facets of their clients’ corporate identity and public image. With so much going on, it’s hard to keep track of it all, which is why the risk…

Dog grooming has incurred a challenged reputation recently, but many dedicated new businesses are thriving in spite of a cautious public. In a recent story from Kamloops, BC, one young professionally-trained groomer opened her new business in the same facility where a previous grooming salon had been shut down over a lawsuit against the owner.…

If your client is skeptical about whether they need Premises Environmental Liability Insurance, this article contains some compelling reasons why they should. Many property owners don’t consider environmental pollution when they get insurance, and don’t realize their current policy excludes it. In addition, many who already have some kind of environmental policy don’t realize they…

In November 2019, a couple launched an $11-million lawsuit against a Calgary home builder after they claimed leakage and mould issues contributed to the death of their 24-year-old daughter and left them feeling unsafe. The couple’s daughter died after suffering an asthma attack in her room in December 2018. The family filed a claim against…

Recent trends in professional liability for civil engineers show some startling shifts. Once upon a time, professional liability was limited to errors and omissions, or, negligence in the performance of an engineer assignment. But today, civil engineers are facing claims from a broader range of exposures, from job site safety to defects in reports. Professional…

A common misconception among graphic designers and other digitally-based professionals is that working with a contract will cover all their professional liabilities.   But the fact is, even when professionals have a clause in their contract stating that they won’t be held responsible for anything that goes wrong in their client’s business, they could still…

Today, most faith organizations provide extensive services while operating on a very limited budget. Most face the complex challenge of taking on an expanded role in their communities with far fewer resources. Furthermore, many of them are operating with the additional challenge of an older and/or outdated building. More than just religious activities such as…

The 4 Cs of Submissions Half the battle of getting the best coverage for your clients is a good submission. An incomplete application inhibits an accurate quote, and without an accurate quote, you’re less likely to get the kind of coverage that checks off all your client’s boxes or reflects the best possible pricing. Plus,…

SWG PL: Miscellaneous - 15 Industries You (Probably) Didn’t Know We Cover In Canada, 70 percent of the workforce is employed by small and medium sized businesses, a significant portion of which comprise professional service providers. (1) These hardworking entrepreneurial professionals provide specialist knowledge to their clients, relying on their professionalism and quality of service…

The need for cyber coverage continues to grow among businesses in the IT sector. According to a report in the CNBC last year, cyberattacks are now costing businesses an average of $200,000. 60 percent of these companies go out of business within six months of a digital incident. (1) In addition, the report finds small…

If your client owns a rental property for income or investment purposes, they need insurance protection that is tailored to their individual risks. South Western Group provides trusted coverage for this specific class of commercial property owners. Our policy can protect their investment from financial loss resulting from liability, theft, fire, property damage, vandalism and…

SWG ENVIRO: Contractor's Liability The Construction Sector is an Important Driver to the Canadian Economy and We’ve Supported this Sector from the Outset The construction sector in Canada employs 1 in every 14 Canadians and is the fifth largest construction market globally. SWG has supported this sector for many years and provides a bespoke Environmental…

Canadian security services companies are responsible for protecting people and property, and for these agencies to operate effectively, they need savvy brokers on their side. For brokers looking to serve this diverse market, specialized industry knowledge is key to helping these businesses avoid the common pitfalls of liability insurance claims. Here is an overview of…

SWG PL - Tips for Insuring Business Consultants Business consultants help organizations improve their business goals, whether it’s better financial performance, improved workflows, increased sales, or making strategic changes in operations and procedures. They do this by making recommendations after performing thorough analysis of the company’s organizational weaknesses and then developing plans for improvement. An…

With many cities across the country entering stage 3 of the pandemic, tattoo shops and piercing studios are waiting on official guidelines to find out what they will and won't need to do in order to reopen.   Many studios are already making preparatory plans by buying protective equipment for staff and customers and enforcing…

Discover 4 key reasons why Directors & Officers insurance is essential. Learn how D&O coverage protects leadership from personal and professional risks.

SWG Property: Vacant Property COVID-19 has caused major shifts in Canada’s commercial property market, with significant increases in property vacancies. According to CBRE Group’s quarterly statistics report, Vancouver’s downtown office vacancy rate rose to 3.3% in the second quarter of this year. Meanwhile, Toronto saw an 86% jump in available office space since the first…

SWG Property: Stand-Alone Commercial Property Policy In 2019, Statista reported $5.03 billion in commercial property insurance claims. (1) Whether it’s a home-based office, a leased space, or a bricks-and-mortar outlet, every business owner needs Commercial Property Insurance. Commercial Property covers a business’ building, premises, and other physical assets, including tools, equipment, inventory, and furniture.  …

SWG Elite: COVID-19 Won't Impede the Leisure & Lifestyle Market The COVID-19 pandemic has hurt much of the Canadian economy - except for the leisure & lifestyle industry. With Canadians under travel restrictions both internationally and interprovincially, Canadians will be spending their leisure time closer to home. According to a CTV news report, the cottage…

SWG PL - Beauticians and Beauty Salons According to the Canadian Cosmetic Toiletry and Fragrance Association (CCTFA), Canada’s beauty industry rakes in $9.5 billion a year, and is steadily growing by 0.7% each year, especially in Quebec, Ontario, and British Columbia. (1) Beauticians require professional licensing in Canada as well as training from a certified…

SWG Property: As Campgrounds Reopen, Owners Should Consider These Risks As Canada announced its gradual reopening of private parks and campgrounds, Canadians are itching to get back into more of their “normal” summer activities. On June 22, 2020, Parks Canada offered campers, hikers, and canoeists some respite from lockdown as it began to offer select…

South Western Insurance Group - Annual Survey and Charity Winners   Dear Broker,   Thank you once again for taking time from your busy schedules to complete our annual survey. We take your feedback very seriously and although there is always room for improvement, we are grateful and humbled that you feel we are doing…

Deck and fence contractors design and build custom outdoor decks and patios. These professionals are typically called upon for large-scale or complex as well as simple projects - decks large enough to accommodate large groups or multiple areas (e.g. for dining and lounging), partially partitioned or covered for privacy or seasonal purposes, multi-tiered decks, patios…

SWG PL: E&O a Logical Choice for Mechanical and Electrical Engineers If an engineer makes a mistake, or is accused of making a mistake, errors and omissions (E&O) is the only type of business insurance that will cover their legal costs if they are sued. But according to Canadian Underwriter Magazine, more engineering professionals and…

SWG ENVIRO: Should Contractors Carry Environmental Liability Coverage? In 2018, more than 1.4 million Canadians were employed in construction trades and professions and their combined work was worth $241 billion a year, according to BuildForce Canada (1). In this diverse industry, contract workers may be involved in construction, renovation, maintenance, plumbing, or landscaping - or…

Unforeseen circumstances can put strain on resources in any industry, and the demands created by COVID-19 have put the security industry under considerable pressure.   Security guards are having to do more. From checking people’s temperatures to avoid sick people entering a building to patrolling empty buildings, security guards have stepped up in unusual ways…

SWG PL – Media/Multi-Media - Tailored Coverage for Canada’s Rapidly Changing Internet Media Market New threats from the rapid changes in the media/multimedia industry are outpacing traditional insurance policies. In this market, coverage needs are constantly shifting as new trends emerge; meanwhile, Canadian rules and regulations struggle to keep up. One important trend is the…

SWG ENVIRO - Preparing Your Client for a Surprise Site Pollution Claim In December of last year, the Supreme Court of Canada ruled that the forest-product company Resolute was liable for damages from a mercury-contaminated waste disposal site near Ontario’s Grassy Narrows First Nation. A pulp-and-paper facility dumped toxic materials from chemical processing into the…

SWG Secure for Private Investigators By the end of 2019, there were 2,283 licensed private investigators in Ontario, according to stats from the Ministry of Community Safety and Correctional Services, (1) and over 70,000 working in Canada.   This industry has grown exponentially over the last 50 years, and regulations are continually being updated.  …

Here’s How SWG PL - E&O Can Protect Collection Agencies   Collection agencies are establishments that exist for the sole purpose of collecting overdue payments for claims and remitting these payments to their clients. The agency essentially takes over the responsibility of contacting the debtor to make, or enforce, payment arrangements.   According to the…

Since reporting data breaches became mandatory in Canada two years ago, studies have reported an increasing number of incidents, both large corporations and small- and medium-sized businesses year after year. A 2019 report from the Office of the Privacy Commission of Canada shows that while over half (58%) of incidents came from unauthorized access, a…

SWG Property - Rooming Houses Covers More than Just Student Housing The face of the rooming house market is changing. In the end of the twentieth century, rooming houses were mostly situated in urban centers. There, they tended to be occupied by low-income tenants who had few housing options due to disability or addiction. Today,…

Temporary Vacancy Permit notice to our Brokers   To our Broker Partners,   Be advised in regards to the ongoing concerns related to the coronavirus, Three Holdings Inc. has initiated its Business Continuity Plan successfully and all South Western Group, MedThree and Optisure offices remain open for business.   Our priority continues to be serving…

SWG CGL - Excess & Umbrella Stops Coverage Problems Before They Start One of the greatest challenges facing the auto parts manufacturing industry right now are labour gaps. According to a 2019 report, the manufacturing industry suffers globally from a widening skills gap, and this problem is largely caused by market fluctuations and changes in the…

Across Canada, recreational properties are seeing a steady increase in price year after year a 2017-2019 study finds. In fact, prices and inventory in this market are rising in most provinces with the exception of Saskatchewan and Alberta. The same survey also showed that Millennials are increasingly in the market to buy cabins, cottages, and…

SWG Property - Commercial Property: Protecting Places of Worship with Specialized Coverage On a sunny morning in the spring of 2019, parishioners arrived at St. Joseph’s Church in Mission, B.C. for Sunday morning service to find its doors and walls covered in graffiti. (1) For the church’s staff, petty crimes like this are a common…

Canadians are changing the way they spend their leisure time, and the leisure & lifestyle market is changing with it. Retiring boomers are taking over the winter visitor population, opting for smaller camper vehicles as they downsize. Meanwhile, the motorhome vehicle industry has innovated to appeal to both this retiring population and to established millennials,…

Canada is feeling the effects of climate change more intensely than its neighbour to the south. Thawing permafrost, earlier spring runoff, milder winters with more rainfall, and rising sea levels are just a few examples of how Canada has experienced the impact of a changing climate. (1) For property owners, this means damage to local…

More than 20% of Canadians have at least one tattoo. And, unfortunately, tattoo fails are notoriously - or hilariously - common. Though many mistakes are humorous and some even ironic (“no regrets”), unintentional typos are no laughing matter. In fact, the psychological impact of a poorly executed concept can be devastating to clients. A memorable…

From mould build-up in a residential construction site to sudden high-stakes oil spills, environmental pollution impacts all kinds of businesses, whether they’re a small contractor or a large manufacturing facility, an engineering firm or a mom and pop shop. Polluted industrial or storage sites that are no longer active are common sources of hazardous waste,…

Commercial liquor hosts are held to a high standard of responsibility for the safety of their patrons. In Canada, a patron who sustained injuries during the process of being forcibly removed from an establishment can sue the host for Forcible Ejection. Despite this being a common legal issue, many insurance companies have a hidden Forcible…

Landowners are not just responsible for collecting rent payments. They are responsible for managing the upkeep, maintenance, and protection of their properties and those who enter as tenants or visitors. Lawsuits in this industry are a common occurrence. In a 2014 case, the owners of a rented property in BC sued the property management company…

Bookkeepers and accountants are trusted with handling the sensitive and detailed financial information of their customers. Whether at fault or not, a bookkeeping professional can find themselves in legal hot water with their clients. With thousands of professionals being sued every year in Canada, no bookkeeper is completely safe from being sued by one of…

SWG CGL - Commercial General Liability helps contractors and owners of small and large businesses safeguard their operations with insurance coverage no business should go without. It protects business owners from financial loss should their business be held responsible for third party damages both on and off the premises, for property damage, and personal injury…

Retail stores continue to be a vital part of this country’s economy despite a slowing market. In 2018, 30 international brands made their debut in Canada by opening standalone stores. (1) Though business owners create a welcoming and safe environment for their customers and employees, loss events can and do still happen. South Western Group’s…

Construction projects are rarely neat and tidy. In fact, with long project timelines, plus the constant exposure to hazardous materials and environmental contaminants, construction projects are liability landmines. Among the major risks in the construction industry, pollution liability is a major one. It affects not only contractors but also the people and properties neighbouring the…

Want to get the best coverage possible for your client, plus shave time and back-and-forth off the application process? The golden rule of submissions is “the more information provided up front, the better”. Having underwritten for a range of markets over the years, South Western Insurance Group knows that submissions can be a tedious chore…

Canada’s media industry is dynamic and growing. According to PwC's Global Entertainment & Media Outlook 2018-2023 (1), the total industry revenue is projected to rise at a compound annual growth rate of 3.7% (compared to 2.8% last year) over the next four years. Meanwhile companies are moving from traditional to digital media, opening up new…

There are over 86,000 registered charities in Canada. Since a vast number of these nonprofits operate on tight budgets, many of them end up spending the bulk of their resources on operations rather than risk management. But even with human rights laws in place, the directors and officers who serve these entities are still at…

It was a customer’s worst nightmare. Shortly after getting ink done at a shop in Halifax, Lisa O’Quinn noticed little bumps cropping up on her skin. Then, she noticed swelling and abnormally intense pain. When she went to her doctor, he told her that had she waited it out, they might have needed to amputate.…

In a recent story covered by Global News*, parishioners arrived at St. Joseph’s Church in Mission, B.C. for Sunday morning service to find its doors and walls covered in graffiti. For the church’s staff, petty crimes like this are a common occurrence. In the last six months St. Joseph’s had been vandalised twice, had suffered…

There are approximately 25 regulated healthcare professionals and over 350 non-regulated healthcare practitioners. With the healthcare industry rapidly changing and expanding, professionals and practitioners need comprehensive insurance coverage that can account for the many complicated risks involved in this industry. This presents an amazing business opportunity to brokers interested in healthcare. Knowing the unique requirements…

September 18, 2019 Breach of contract, negligence, amounts owing, providing faulty plans. These are some of the allegations being thrown back and forth in the ongoing legal dispute over the Pioneer Village subway station.(1) The $3.2 billion subway extension in Toronto’s North York district was wrought with issues that led to a two-year delay and…

Environmental pollution is a growing liability As more Canadians sue companies and the government to fight climate change, recent news reports are filled with stories of high-stakes pollution claims. Among the most recent rulings came from a $24.3 million lawsuit by an oil and gas company against their contractor over an accident that spilled 60 cubic…

Ghazal Hamid is the Director of Underwriting and has been involved with the growth and advancement of South Western Insurance Group since 2002. With a strong Commercial Liability and Property background, Hamid plays a significant role in the development and execution of South Western Insurance Group’s corporate and regional branch strategies. In addition, he concentrates…

The high-value homes market segment is rapidly expanding. The clients who purchase coverage are typically known for their loyalty to the insurance professionals who work on their behalf. They’re also people who have worked hard for their properties and are willing to pay a premium to ensure they’re protected. This makes high-value homes a potentially…

SWGSECURE - Security Services Insurance - How Secure is Secure? Brokers who provide policies for security services businesses need insurance coverage rarely offered by traditional insurers. More than just one type of service, the security services industry insurance encompasses a wide range of coverage requirements from: Security guards Private investigators Alarm installers and monitoring stations CCTV…

Clients in the architects and engineers (A&E) market need savvy brokers on their side - more than they might realise. Whether the risk of a lawsuit come from errors in the design of a project, or from failure to correct mistakes during construction, a lot can go wrong. In addition, A&E firms tend to underestimate…

Summer is right around the corner. Families are starting to enroll their kids in summer camp, and campers are itching to hit the road. Fortunately, Ontarians have much to discover in their own backyard - our province offers more than 330 of the one thousand plus Provincial and Territorial Parks in Canada and attracts over…

For many Canadians, summer leisure activities such as boating, RVing, and weekends at the cottage are an important part of their summer traditions, lifestyle, and wellbeing. But clients who view leisure as a part of their lifestyle are at a higher risk of personal injury and damages to their property at this time of year.…

Restaurant patios seem to be a growing trend. Traditional restaurants and bars that were not set up to include a patio are making the move by putting out tables and chairs in designated areas, giving their customers more dining options on beautiful summer days. Restaurant owners in Toronto are required by law to have a…

Clients operating in a professional capacity require specialized protection against potential errors and omissions. South Western Insurance Group Limited has been providing architects, engineers, project managers, and business consultants with Professional Liability coverage for 25+ years. “Not only is our background, knowledge base, and expertise in this area extensive,” says senior underwriter Darlene Hazzard, “our…

Thanks in large part to a long-term relationship with Lloyds of London, South Western Insurance Group Limited has been making commercial liability coverage available to a broad range of classes for many years. The company offers CGL protection in conjunction with errors & omissions coverage, but underwriter Margo Parker says most of her clients come…

The International Programs Group (IPG) has been operating as an independent third-party administrator since 2008. Under Managing Director Patrick Scott’s leadership, the organization has grown from a handful of dedicated individuals to some 90 employees working out of three national offices. IPG’s knowledge, experience and infrastructure were designed and developed to provide claims services for…

What makes a good property insurance submission? “Lots of information, for a start,” says senior underwriter Melanie Pon. South Western Insurance Group Limited protects everything from residentially rented property, like small apartment buildings, to office buildings, industrial units, and strip malls. And in each of these cases, says Pon, the more details a submission delivers,…

According to Insurance Business Canada, outstanding service, performance, and innovation in the insurance sector are what set IBC Awards Finalists apart. Chris Davis, Director of Events of Key Media International, publisher of Insurance Business magazine, goes one step further, describing finalists as “the best of the best.” “Success stories like theirs are the lifeblood of…

High value homes require a special kind of coverage - one that is not always easy to come by. But thanks to solid relationships with markets like AIG and Lloyd’s of London, South Western Insurance Group Limited has the ability to provide both standard and non-standard High Value Homeowner’s Insurance. “In most cases,” says property…

South Western Insurance Group Limited is one of Canada’s fastest-growing MGAs for the hospitality sector. The company offers an abundance of coverage options, and a wealth of extensions. And with winter party season looming, that is good news for restaurants, bars, and nightclubs alike. “Any establishment licensed to serve alcohol needs to be especially diligent…

Directors and officers of both for-profit and not-for-profit organizations can sleep better at night, thanks to South Western Insurance Group Limited’s D&O liability coverage. The company’s customized insurance package, says senior liability underwriter Bessy Allen, does far more than just provide indemnification against financial loss in the event of a breach of management duty. “Our…

According to estimates by the Canadian Imperial Bank of Commerce, Canadians spend approximately $33 billion a year to care for aging parents, and, as the nation’s aging population grows, the need for senior care facilities will continue to grow with it. Senior care facilities face a variety of threats when serving an aging and increasingly…

South Western Insurance Group Limited’s reputation as the go-to source for specialty products is growing. But despite their niche capability inside classes and segments ranging from security services to hospitality to pollution, the company remains true to its roots as a multi-line entity – one that writes a broad scope of commercial property, general liability,…

South Western Insurance Group Limited’s exclusive Professional Liability & CGL combined facility has been providing Architects and Engineers with peace of mind for many years. And while no insurance product will prevent typical claims from happening inside the A&E space, senior underwriter Darlene Hazzard says her company’s combined coverage will protect professionals against the costs…

Opening a bar or nightclub is often considered a risky business, but there is no doubt that some ventures are riskier than others: a discotheque catered to the university crowd, for example, may routinely face a wide range of insurance claims that an upscale martini bar never encounters. This is what makes the task of…

While the purpose of Commercial General Liability insurance is to provide protection in the event of legal liability for bodily injury or property damage, it is such a broad scope of coverage that many grey areas exist. Assessing risk effectively plays a central role in getting South Western Insurance Group Limited’s brokers the safeguards their…

As construction costs have dramatically increased over the last few years, high value homeowners insurance products are becoming even more important. Specially created high-value home policies are designed for the modern market with modern homes in mind, and they provide the extra layer of coverage that so many Canadian consumers are seeking. With a broad…

Not every broker is versed in the specialized coverage needs of security services clients. Fortunately, South Western Insurance Group Limited has been protecting security-based businesses for almost 20 years. Not only do their underwriters possess deep knowledge and experience in this area, they understand exactly what goes into a good security policy submission. Alarm and…

The personal insurance offered through South Western Insurance Group Limited’s Elite Book extends to cottages, motorhomes, watercraft, and trailers. While the broad scope of coverage options is ideal for most leisure and lifestyle clients, the diversity of programs means the criteria for what makes a good submission can vary. Complete and comprehensive is the best…

No matter the occupation, says Barb Pattenden, Director of Insurance Operations for South Western Insurance Group Limited, if your client needs professional liability protection, you have come to the right place. “SWG is really good at protecting most types of clients with Errors & Omissions exposure because we have been doing it for such a…

Comprehensive yet flexible, South Western Insurance Group Limited’s Faith Program is specifically designed to protect your client’s place of worship. Thanks to a partnership with the nation’s leading insurer of faith organizations, traditional and modern religions alike can benefit from coverage that is equal to or beyond what is available elsewhere in Canada. According to…

It is partly due to the recent popularity of televised cooking shows, says South Western Insurance Group Limited’s senior underwriter Melanie Pon, that “the food truck industry is exploding right now.” But with every hot dog cart, chip wagon, and mobile food vendor out there comes a certain amount of liability. And as creative and…

If your client is involved with the remediation, restoration, construction, or fuel industry, odds are they would benefit from pollution liability coverage. South Western Insurance Group Limited’s exclusive Environmental Product protects specialized businesses against existing and emerging risks and liabilities inside the pollution arena. Casualty and Pollution underwriter Ulli Garrett describes the commercial risk lines…

Canadian Broker Network (CBN), Canada’s leading network of independent insurance brokers, announces today that it has sold South Western Insurance Group Limited (SWG) to Three Holdings Inc. Existing staff remain under the leadership of the current President, John Barclay. Terms of the transaction were not disclosed. This transaction allows the members of CBN to focus…

South Western Insurance Group Limited has been offering a specialized insurance package - one specifically designed to meet the protection needs of campground owners - for more than twenty years. And while this unique coverage product has yet to expand beyond the borders of Ontario, local campground owners can take advantage of such valuable offerings…

Whether your client’s protection needs extend to general liability (GL), errors and omissions coverage (E&O), or both, South Western Insurance Group Limited gives brokers multiple options. The company’s standard GL insurance is available for a wide range of industries, while their E&O offers an effective solution when there is exposure on the consultation or professional…

What constitutes a good risk in the hospitality sector? Senior Underwriter Doreen Teoh, one of Canada’s top underwriters in the field, describes the best applications as those from accounts that are claims-free, originate from clients that are experienced in the industry, and that maintain a well-run operation. “I especially like to quote policies for companies…

As the real estate market continues to rise, despite a brief and muted lull, the value of property in cities across Canada continues to break records. More homeowners fall into the high-value category and, as a result, brokers have a bigger responsibility to provide access to the best products on the market. With extreme weather…

There are companies willing to expand into any new line of business just to make a quick dollar. And then there’s South Western Group Insurance Group: a collection of expert managing general agents who only provide offerings where they know they can provide exemplary service. One such sector is hospitality, specifically bars, pubs, and nightlife.…

Simple legal matters such as wrongful dismissal claims have the potential to drain Canadian businesses of $250,000+ in legal fees and damage awards, which often forces enterprises to cease operations indefinitely. This is why it’s imperative that Canadian enterprises remain protected against costly legal action through Legal Expense Insurance (LEI). The hospitality industry - nightlife…

Bars and taverns may have dotted the streets of Canadian towns and cities for centuries, but the specialty market that backs them has seen demonstrable changes in as little as a few decades. Doreen Teoh, senior underwriter with South Western Insurance Group Ltd., has been in the industry for over 30 years, and in that…

Although contractors may overlook environmental policies when buying insurance, anyone who works in oil and gas, landscaping, drilling and demolition should consider this critical coverage. Although South Western Group has only issued a “soft launch” of this product about eight months ago, it has already helped a multitude of clients protect themselves from environmental exposures.…

Although pollution liability remains largely misunderstood by many commercial enterprises, it should be a priority for any organization that operates with or near natural resources. “Pollution Liability may be confusing to some of our clients,” said Trisha Teoh, senior underwriter, South Western Group Ltd. “They’re not really sure where it sits, and often ask if…

Although there is lots of business for insurance brokers in the security services marketplace, you need a key formula that works for the benefit of the insured, as well as the knowledge to tackle a diverse market becoming oversaturated with providers like alarm installers. South West Group has been underwriting security services since 1998 and…

Security service companies tend to have a higher exposure to incidents involving physical confrontation due to the nature of the business. Although South Western Group does not provide cover for very high risk clients such as bouncers or guards at liquor establishments like bars and nightclubs, it does acknowledge that there is a greater exposure…

While the importance of professional liability and E&O insurance has been realized by most Canadian organizations for some time now, knowledge around D&O products has taken longer to seep into the national consciousness. Most large multinational corporations have been well versed in the value of D&O coverage for decades, but it’s taken a while for…

Working with an expert wholesale intermediary who can service a range of markets and niches is a real game change for insurance brokers. For brokers, knowing they have an experienced and specialized professional on the end of the phone or email helps create peace of mind. Working with a top level intermediary also helps a…

Having access to quality E&O insurance products is a necessity for any broker who is determined to provide a full-service offering to the clients. As well as providing coverage against claims made by clients for inadequate work or negligent actions, E&O products can cover against copyright infringements, defence costs and libel or slander. A type…

Most large multinational corporations have been well aware of the value of comprehensive D&O coverage for some time. Providing adequate protection against the consequences of actual or alleged “wrongful acts” committed by managers when at work is essential, not just from a financial standpoint but a reputational perspective too. However, it’s not just international giants…

Founded in 1686, Lloyd’s of London boasts an extensive history as a syndicate-driven insurance marketplace. And as one of the first MGAs in Canada to tap into that marketplace, South Western Insurance has sustained a decidedly productive relationship with Lloyd’s for well over forty years. “In a market that ebbs and flows,” says President and…

Commercial liability insurance can be hard to place if a broker has scoured the available markets and not found anyone to write the policy. These types of hard to place policies can include: Hot tar roofers Hospitality Recycling High exposure manufacturers (such as makers of critical auto parts) These requests typically come from two types…

Professional liability coverage that protects your clients and their firms against claims of inadequate work or negligent actions is what Errors & Omissions Insurance is all about. And nobody does Architects and Engineers E&O better than South Western Insurance Group Limited. The company has been providing architects and engineers with coverage for some 20-plus years.…

The tremendous impact of today’s business technology translates into a huge plus for South Western Insurance Group Limited brokers. After some heavy customization work, the company transitioned its quote and bind process to a superior policy management program just over one year ago. “We basically took an ‘out-of-the-box’ software program called iBroker,” explains business analyst…

Environmental protection is not a one-size-fits-all proposition, which is why South Western Insurance Group Limited’s pollution coverage empowers brokers with virtually limitless choice when it comes to insuring their clients. “The level of customization our pollution product offers is not often matched by other markets,” says pollution underwriter and go-to expert, Ulli Garrett. “Sometimes, brokers…

A lot of companies insure commercial property – but not many can claim to be constantly looking for ways to say “yes” to their brokers, rather than for ways to say “no”. Like many MGAs, South Western Insurance Group Limited offers both named perils and broad form property policies. But they also make those coverages available on the kinds…

South Western Insurance Group Limited’s decision to migrate from wholesale broker to Managing General Agent was far from a casual one. A carefully weighed strategy, the move began in earnest some four or five years ago, prompted by what president and CEO John Barclay refers to as a “very competitive domestic environment”. In a marketplace…

When it comes to effective insurance coverage, Security Services is a bit of a niche industry. According to Colleen Bliss, underwriter with South Western Insurance Group Limited, “The key to Security Services is knowledgeable underwriters who understand the product and what insureds do - because that is not always the case for the majority of…

According to Insurance Business Canada, MGAs are instrumental in giving retail brokers the specialized skills and access they need to service their clients well. Which is why the organization has taken to conducting an annual broker survey to determine which MGAs stand out from the rest. This will be the second time that South Western Insurance…

As an insurance broker, your professional services expose you to liability on a regular basis. If a client believes that your actions have caused them financial loss, many will not hesitate to initiate a claim against you. South Western Insurance Group Limited’s Brokers’ Errors and Omissions Insurance (Brokers’ E&O) is offered in Western Canada and…

“When we talk about security-based businesses,” said Colleen Bliss, senior underwriter, security services program, South Western Insurance Group Limited, “we’re talking about alarm installers, security guards, private investigators, and alarm monitoring stations. It is businesses who are responsible for another business’ security.” Because their responsibilities are very specific, their coverage needs are as well. “The…

Tattooing and body piercing is a rapidly developing industry. A Market Data Enterprises report states that it grew at 9.5% in 2014 and is expected to continue growing at an accelerated rate in the coming years. As the market matures, tattoo shops have come to realize that they need not take unnecessary risks when liability insurance is…

“Pollution is a very broad term” said Jodie Hallyburton, casualty and pollution underwriter, South Western Insurance Group Limited. “It’s gas, liquid, smoke, heat, light, and even noise. Basically, contamination of the natural environment. With the rapid change in regulations at both the Federal and Provincial levels, pollution liability insurance is becoming a must have for contractors…

Even though storage tank insurance may not be common, for those who operate one, it can mark the difference between viability and financial ruin in any event of a loss. “This is a unique product that few Markets specialize in, but it’s an important coverage for the sector,” said Ulli Garrett, senior underwriter, South Western…

The Board of Directors of South Western Insurance Group Limited (SWG) is pleased to announce that John Barclay has been appointed President and Chief Executive Officer of the company. The appointment follows Mr. Mack Rooney's decision late last year to step back from the role. The Board underwent a Canada-wide search culminating in this announcement.…