Frequently Asked Questions about Speciality Products & Services

It covers liabilities associated with hosting or organizing events, ensuring you're protected against potential claims.

It reimburses the deductibles you paid towards various insurance claims including home, auto, boat, and more!

Most Condo Unit owner policies only cover up to $100,000 against strata deductible assessments. If your condo’s strata deductibles are higher than what your underlying condo policy can cover, we can issue a “top up” Excess Strata Deductible Assessment policy to cover the difference.

While most home policies do cover glass, the downside is you often have to pay a $1,000 deductible and have a claim against your home policy. Since glass claims are often small, it often isn’t worth going through the home insurer. By purchasing a separate glass policy, your claim will be handled by glass professionals and often with $0 Deductible.

In the event of a major earthquake where the damage is sufficient that you must pay an earthquake deductible to your overlying Home, Condo, or Commercial insurance company, the Earthquake Deductible Buy Back will pay this Deductible on your behalf up to its policy limit.

In the event your auto, home, or commercial liability coverage is inadequate or exhausted, an umbrella policy provides additional coverage up to its own policy limit. Many Auto or Home policies only offer up to $2 to $5 Million, whereas an Umbrella policy can increase coverage up to an additional $10 Million.