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NATIO NAL

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Senior Publisher Steve Wilson steve@canadianunderwriter.ca (416) 510-6800

Editor Cathy Donaghy cathy@canadianunderwriter.ca (416) 510-6840 Account Manager Michael Wells michael@canadianunderwriter.ca (416) 510-5122

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Advertising Sales Christine Giovis christine@canadianunderwriter.ca (416) 510-5114

Art Director Valerie Perrott Art Consultation Pylon.ca Production Manager Gary White (416) 510-6760 Print Production Manager Phyllis Wright President Bruce Creighton Vice President Alex Papanou

Associate Publisher Paul Aquino paul@canadianunderwriter.ca (416) 510-6788

Canadian Underwriter is published thirteen times yearly (monthly + the Annual Statistical Issue) by Business Information Group, a division of BIG Magazines LP, a leading Canadian information company with interests in daily and community newspapers and business-to-business information services. Business Information Group is located at 12 Concorde Place Suite 800, North York, ON, M3C 4J2. Phone: (416) 442-5600. Canadian Underwriter, USPS 022-494. US office publication: 2424 Niagara Falls Blvd., Niagara Falls, NY 14304-0357. Periodicals Postage Paid at Niagara Falls, NY, USA. US postmaster: Send address corrections to Canadian Underwriter, Po Box 1118, Niagara Falls, NY 14304. All rights reserved. Printed in Canada. The contents of this publication may not be reproduced or transmitted in any form, either in part or in full, including photocopying and recording, without the written consent of the copyright owner. Nor may any part of this publication be stored in a retrieval system of any nature without prior written consent. We acknowledge the financial support of the Government of Canada through the Canada Magazine Fund toward our editorial costs.

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© Published monthly as a source of news, technical information and comment, and as a link between all segments of the insurance industry including brokers, agents, insurance and reinsurance companies, adjusters, risk managers and consultants. Privacy Notice From time to time we make our subscription list available to select companies and organizations whose product or service may interest you. If you do not wish your contact information to be made available, please contact us via one of the following methods: Phone: 1-800-668-2374 Fax: 416-442-2191 E-mail: jhunter@businessinformationgroup.ca Mail to: Privacy Officer, 12 Concorde Place., Suite 800, North York, ON, M3C 4J2 Subscription Rates: 2006 Canada 1 Year $ 34.95 + $ 2.45 GST = $ 37.40 2 Years $ 48.95 + $ 3.02 GST = $ 46.11 3 Years $ 62.95 + $ 4.41 GST = $ 67.36 Single Copies: $ 7.50 + .53 GST

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Annual Statistical Issue (included with above subscription) Or separately: $ 37.00 + $ 2.59 GST = $ 39.59 Elsewhere 1 Year $42.00 2 Years $68.00 3 Years $95.00

CANADIAN UNDERWRITER INSURANCE MARKETER JULY 2009

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GST Registration number 890939689RT0001 Second Class Mail Registration Number: 08840 Publications Mail Agreement #40069240 Return undeliverable Canadian addresses to: Circulation Dept. Canadian Underwriter 12 Concorde Place, Suite 800 North York, ON, M3C 4J2 PAP Registration No. 11098 We acknowledge the financial support of the Government of Canada through the Publications Assistance Program and the Canada Magazine Fund of the Department of Canadian Heritage toward our mailing and editorial costs

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PRODUCT INDEX AIR CONDITIONING..............................9 ANIMALS..........................................9 AUTOMOBILE.....................................9 AVIATION........................................ 10 BOILER AND MACHINERY.................... 12 BONDS........................................... 12 CAMPGROUNDS............................... 16 CAPTIVE......................................... 16 CARNIVALS AND FAIRGROUNDS............................... 16 CASINO AND LAWFUL GAMING.............. 16 CATASTROPHE................................. 18 CHURCHES...................................... 18 COMPUTERS.................................... 18 COURSE OF CONSTRUCTION................ 18 CREDIT CARD................................... 18 CREDIT INSURANCE........................... 18 CREDITOR....................................... 18 EQUIPMENT..................................... 18 ERRORS AND OMISSIONS, MALPRACTICE, PROFESSIONAL LIABILITY................. 20 FARMING........................................ 36

FINANCIAL/LEGAL/ LITIGATION INSURANCE.................... 38 FINE ARTS...................................... 38 FLOATERS...................................... 38 GENERAL LIABILITY........................... 38 GROUP.......................................... 48 HOSPITALITY................................... 50 HOSPITALS..................................... 50 INDIVIDUAL HEALTH.......................... 50 INTERNET....................................... 50 JACKPOT COVERAGE.......................... 51 KENNELS........................................ 51 KIDNAP, RANSOM AND EXTORTION........ 51 LEGAL EXPENSE INSURANCE................ 51 LITIGATION INSURANCE...................... 51 MAIL INSURANCE.............................. 52 MANUFACTURING AND RESOURCES (EXCEPT OIL AND GAS)..................... 52 MARINE......................................... 55 MISCELLANEOUS ARTICLES................. 56 MUNICIPALITIES SCHEDULES............... 56 MUNICIPALITIES............................... 56 MUSEUMS...................................... 56

MUSICAL INSTRUMENTS..................... 56 OIL AND GAS................................... 56 OVERSEAS EXPOSURES...................... 57 PERSONAL INJURY............................ 58 POLITICAL RISK................................ 58 POLLUTION..................................... 58 PROPERTY...................................... 59 RAILWAY ROLLING STOCK................... 61 REAL PROPERTY............................... 61 RENEWABLE ENERGY......................... 62 SALONS......................................... 62 SCHOOLS....................................... 62 SPORTS AND ENTERTAINMENT............. 62 SPORTS PROMOTION......................... 62 TRAVEL.......................................... 64 TRIP TRANSIT.................................. 64 UMBRELLA AND EXCESS LIABILITY........ 64 UTILITIES....................................... 66 WAREHOUSING................................ 66 WARRANTY..................................... 66 WEATHER....................................... 67 WHOLESALE, RETAIL SERVICE............................. 67

DETAILED PRODUCT INDEX 60 Amp Service............................................ 59 Above and Below Ground Storage............... 56 Abuse/Molestation....................................... 38 Access Providers......................................... 50 Accident....................................................... 64 Accident Death and Dismemberment........... 48 Accountants................................................. 20 Accounts Receivable.................................... 38 Actuaries...................................................... 20 Ad Agency.................................................... 38 AD & D Only................................................. 62 Adjusters...................................................... 20 Administration............................................. 12 Adult Entertainment, Nightclubs.................. 50 Advertisers.............................................. 40,58 Advertising Agencies.................................... 58 Advertising Agents....................................... 20 Agents and Brokers...................................... 20 Agri-Commercial.......................................... 40 Agricultural Equipment................................ 52 Agricultural Machinery................................. 36 Agricultural Product..................................... 52 Agrologists................................................... 20 Air Cargo...................................................... 10 Aircraft......................................................... 10 Aircraft Hull.................................................. 12 Aircraft Liability............................................ 12 Aircraft Maintenance, Repairs and Hangers................................. 12 Air Flight Accident.......................................... 9 4 MKT

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Airport/Air Meet Liability.............................. 12 Airport Contractors...................................... 12 Airport Premises.......................................... 12 Air Shows............................................... 12,62 All Terrain Vehicles........................................ 9 Amusement Devices.................................... 40 Amusement Equipment................................ 52 Amusement Parks........................................ 40 Animal Air Cargo.......................................... 12 Animal Rides.................................................. 9 Antique Craft................................................ 55 Antiques, Collector Cars................................. 9 Appliance, Home.......................................... 66 Application Developers................................ 50 Appraisers.................................................... 20 Aqua Farms.................................................. 36 Architects..................................................... 22 Armored Car................................................ 38 Artisan’s Vehicles........................................... 9 Asbestos Removal Consultants.................... 22 Asbestos Removal Contractors.................... 22 Associations................................................. 22 ATM’s........................................................... 67 Auctioneers License..................................... 12 Audiologists................................................. 22 Auto Dealers Showroom.............................. 67 Automobile.............................................. 49,57 Automobile Dealers...................................... 12 Automobile Repair Garages and Service Stations........................................ 67

Auto Physical Damage................................... 9 Baggage....................................................... 64 Bailee’s Customers...................................... 38 Bailiff............................................................ 12 Bands........................................................... 62 Bankers’ Blanket.......................................... 12 Banks and Financial Institutions................... 22 Bars, Sportsbars, Pubs, Lounges................. 50 Basketball Shoot.......................................... 62 Bean Bag Toss............................................. 62 Bingo........................................................... 51 Bingo Halls................................................... 40 Biomass....................................................... 62 Biotechnology.............................................. 52 Birds, Named Perils....................................... 9 Bison Ranches............................................... 9 Blanket Position........................................... 14 Boat and Boat Supply Dealers...................... 55 Boat Rental.................................................. 55 Boiler and Machinery................................... 57 Bonds-Private Investigation and Security Guards......................................... 14 Book Publisher............................................. 58 Borrowed/Rented, Legal Liability................. 12 Bowl............................................................. 64 Bridges and Tunnels.................................... 61 Broadcasters.......................................... 22, 40 Broadcasters, Radio and Television............. 58 Brokers’ Blanket . ........................................ 14 Builders Risk........................................... 55,59

CANADIAN UNDERWRITER INSURANCE MARKETER JULY 2009

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Building Centres........................................... 67 Building Supply Stores................................. 67 Burglar Alarm Installers............................... 22 Business Interruption................................... 56 Business/Medical/Excess Medical................ 64 Business Travel Accident............................. 49 Cablecasters............................................ 40,58 Camera Floater............................................. 38 Care, Custody and Control........................... 40 Career Counselors........................................ 22 Cargo, Coastal.............................................. 55 Cargo, Contingent Ins.................................. 55 Cargo, Ocean............................................... 55 Carnet Bonds............................................... 14 Carnival and Circus...................................... 40 Casinos........................................................ 40 Caterers....................................................... 40 Cattle Farm................................................... 36 Cell phone.................................................... 18 Cemeteries, Morticians................................ 22 Central Alarm Monitoring Stations............... 22 CGL.............................................................. 16 Charitable Institutions.................................. 22 Chartered, Hull and Liability......................... 12 Charter Risks............................................... 55 Chemicals, High Hazard............................... 52 Church......................................................... 40 Claims Frequency......................................... 59 Clinical Laboratories.................................... 22 Clothing....................................................... 52 Clubs and Community Associations............. 40 Coin Dealers................................................. 67 Collection Agents Bonds.............................. 14 Collections Agencies.................................... 22 Collision Damage Waiver............................. 18 Commercial.................................................. 49 Commercial Blanket..................................... 14 Commercial Equipment................................ 66 Complimentary Medical Practitioners.......... 24 Comprehensive............................................ 14 Computer Consultants................................. 24 Computer Fraud........................................... 18 Computer Professionals............................... 40 Computer Retailers...................................... 40 Computer Retailers or Wholesales............... 67 Computer Service........................................ 24 Concerts ..................................................... 40 Concerts, Theatre......................................... 62 Condominiums, Directors and Officers........ 24 Consignment Floater.................................... 38 Consultant.................................................... 58 Consumer Protection................................... 14 Container Handling Equipment..................... 18 Contents in Storage..................................... 59 Contract Bond.............................................. 14 Contractors................................... 18,24,40,58 Contractors, All US Risks............................. 40 Contractors, Blasting................................... 40

Contractors Bonus Incentives...................... 64 Contractors, Demolition............................... 42 Contractor’s Equipment.......................... 38,52 Contractors, Landscapers............................ 42 Contractors, Remediation....................... 42,59 Contractors, Roofing.................................... 42 Contractors, Spraying.................................. 42 Contractor’s Vehicles..................................... 9 Contractual Bonus/Incentive........................ 62 Convenience Stores..................................... 68 Corporate Health Providers.......................... 24 Coupon Over-Redemption............................ 64 Courier Services............................................. 9 Court............................................................ 14 Crane Rentals............................................... 42 Credit Bureaus............................................. 24 Credit Card Companies................................ 24 Credit Card Processors................................ 24 Credit Insurance........................................... 38 Creditor Insurance......................................... 9 Credit Unions..................................... 14,24,42 Critical Illness.............................................. 49 Crop Consultants......................................... 24 Crop Spraying.............................................. 12 Crops, Standing Grain.................................. 36 Crops, Tobacco............................................ 36 Crops, Vegetables........................................ 36 Customs, Excise........................................... 14 Cyber Risks.................................................. 50 Daily Car Rental Fleet..................................... 9 Dams and Hydro Projects............................ 61 Dance Studios......................................... 24,42 Data Fraud.................................................... 18 Data Processors........................................... 24 Day Cares..................................................... 24 Day Nurseries.............................................. 42 Dealer Floor Plans........................................ 68 Death and Disgrace...................................... 62 Defense Base Act Liability............................ 57 Delay Luggage............................................. 18 Delivery Vehicles............................................ 9 Demolition Contractors................................ 24 Demolition Derby......................................... 42 Dental........................................................... 49 Dental Equipment Dealers............................ 68 Design/Build................................................. 24 Dice Roll...................................................... 16 Difference In Conditions............................... 59 Difficult-To-Define Trades and Professions.. 24 Digital Risks................................................. 24 Direct Mail Solicitation................................. 51 Direct Marketing ......................................... 49 Directors and Officers.................................. 26 Disability................................................. 49,57 Distilled Spirits............................................. 66 Dogs, Full Mortality........................................ 9 Dogs, Named Perils....................................... 9 Downpayment................................................ 9

CANADIAN UNDERWRITER INSURANCE MARKETER JULY 2009

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Drilling Equipment....................................... 57 Driver Training Schools................................. 9 Drugs, Pharmaceuticals, Perfumes, Cosmetics................................................. 52 Earthquake................................................... 18 EDP Equipment............................................ 18 Educators..................................................... 26 Electrical Contractors License...................... 14 Electronic Equipment................................... 20 Electronics Manufacturer............................. 26 Employment Agencies, Counselors.............. 26 Employment Practices................................. 26 Employment Practices Liability.................... 42 Engineers..................................................... 26 Engines, Rebuilt........................................... 66 Entertainment............................................... 42 Envelope Draw............................................. 16 Environmental......................................... 14,59 Environmental Consultants.......................... 26 Environmental Contractors.......................... 42 Environmental Damage Liability................... 57 Equestrian............................................... 36,42 Equestrian, Group........................................ 42 Equestrian, Schools..................................... 42 Equipment Dealers....................................... 68 Errors and Omissions........................ 49,50,57 Esthetics...................................................... 42 Event Cancellation........................................ 62 Event Planners............................................. 42 Excess E&O, Malpractice & or Professional Liability................................. 26 Excess Health............................................... 64 Excess Liability........... 9,12,20,42,52,57,61,64,66,68 Excess Property........................................... 59 Executors and Trustees................................ 26 Exhibition Floater......................................... 38 Exotic Animals............................................... 9 Expatriate..................................................... 49 Expatriate Term Life Incl War Risk............... 64 Explosives.................................................... 53 Explosives and Powderman......................... 44 Extended Care for New and Used Auto......... 66 Extended Product......................................... 66 Extended Warranties.................................... 18 Extortion...................................................... 18 Family Farm Package................................... 36 Family Restaurants...................................... 50 Farm............................................................. 44 Farm Equipment and Machinery.................. 20 Farm Equipment Dealers.............................. 68 Farmer Disability.......................................... 36 Feed Lot, Hog Confinement............................ 9 Feed Mills........................................... 44,53,68 Ferries.......................................................... 55 Festivals....................................................... 44 Fibre Optics Cable........................................ 61 Fidelity......................................................... 14 MKT 5

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DETAILED PRODUCT INDEX Fiduciary................................................. 14,26 Film and Entertainment................................ 62 Film Producers............................................. 26 Financial Guarantee...................................... 14 Fine Arts....................................................... 68 Fine Dining Restaurants............................... 50 Fireworks..................................................... 53 Fireworks Display......................................... 44 Fish Farms................................................... 44 Fishing Vessels............................................ 55 Fish Weight.................................................. 64 Fitness Trainers............................................ 44 Fixed Facilities.............................................. 59 Fleets............................................................. 9 Flight Delay.................................................. 18 Flood............................................................ 18 Florida Coverage.......................................... 56 Florists......................................................... 68 Flying Club, Hull and Liability....................... 12 Food Borne Illness....................................... 50 Food Processing.......................................... 53 Football Field Goal........................................ 64 Forced Landing............................................ 12 Foreign Risks.......................................... 10,12 Foreign/USA Sales....................................... 68 Foreign Voluntary Workers Compensation... 57 Forestry Equipment...................................... 20 Formation..................................................... 16 Franchiser.................................................... 26 Freight Forwarders....................................... 26 Fronting Arrangements................................ 16 Fueling, Maintaining Or Servicing Aircraft.... 12 Fuel Tax Bonds, U.S.A.................................. 14 Full Mortality, Horses (Other Than Farm Animals)......................... 9 Full Mortality, Livestock................................. 9 Fur-Bearing Animals, Named Perils............... 9 Furriers........................................................ 59 Furriers Block............................................... 68 Gap.............................................................. 10 Garage Dealers............................................. 44 Garage Repairs Operations.......................... 10 Garbage Collection.................................. 44,59 Garment Contractors.................................... 53 General......................................................... 66 General Contractors..................................... 49 Geophysical Equipment................................ 20 Glass............................................................ 10 Global Master Controlled Programs............. 58 Grain Dealers............................................... 14 Grain Elevators............................................. 66 Grain Farm................................................... 36 Graphic Design............................................ 26 Greenhouses................................. 36,58,59,68 Ground Cover............................................... 12 Group Creditor............................................. 49 Group Term Life........................................... 44 6 MKT

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Guardianship................................................ 14 Hail............................................................... 18 Hairdressers, Barbers and Beauty Shops..... 26 Hanger Keepers............................................ 44 Hanger Keepers, Hull and Liability............... 12 Health...................................................... 49,64 Health Clubs................................................. 28 Health Clubs/ Fitness Centres...................... 44 Helicopter-Accident...................................... 12 Helicopter, Hull and Liability........................ 12 Highly Protected Manufacturing Risks.... 53,59 High Performance/Cigarette Boats............... 56 High Risk Auto............................................. 10 High Risk Auto - Class 35 and 36 Private Passenger...................................... 10 High Valued Property................................... 59 High Value Vehicles..................................... 10 High Value Yachts........................................ 56 Hobby Farms................................................ 36 Hockey Goal................................................. 64 Hog Farms................................................... 36 Hog Producers............................................... 9 Hoisting Engineers....................................... 44 Hole In One.................................................. 64 Homeowners................................................ 49 Homeowners With Boarders........................ 60 Horse Racing Associations.......................... 16 Horses, Named Perils.................................... 9 Horse Track Racing...................................... 62 Hospital........................................................ 44 Hospital Executives...................................... 28 Hospital Personnel....................................... 28 Host Liquor.................................................. 44 Hot Air Balloons........................................... 12 Hotel/Motel.................................................. 50 Hotel/Motel Theft......................................... 18 House Boats................................................. 56 Hovercraft (Air Cushion Vehicles), Hull & Liability........................................... 12 Hull and Machinery...................................... 56 Hurricane..................................................... 18 Hydro Electric.............................................. 62 Incidental Exposures.................................... 58 Independent Schools................................... 28 Independent Schools/Day Cares.................. 60 Industrial Electricians................................... 44 Inland Waterway Vessels............................. 56 Installation Floater........................................ 38 Insurance Brokers/Agents............................ 28 Insurance Company..................................... 14 Insurers....................................................... 28 Intellectual Property..................................... 44 Interior Designers........................................ 28 International Employee Benefits................... 58 Internet........................................................ 44 Internet Liability........................................... 58 Internet Service Provider........................ 28,58

Investment Counselors................................ 28 Investment Managers.................................. 28 IPO............................................................... 28 Janitorial Bonds........................................... 14 Jet Ski.......................................................... 56 Jewelers Block............................................. 68 Jewelry......................................................... 60 Jockey, Accident and Weekly Indemnity...... 62 Joint Ventures.............................................. 28 Judicial Delay............................................... 51 Judicial Delay Cover..................................... 38 Kennels........................................................ 44 Lacrosse Target........................................... 64 Landfill Transfer Stations........................ 44,59 Landscape Architects................................... 28 Land Surveyors............................................ 28 Laser Treatments......................................... 44 Laundry/Dry Cleaners.................................. 68 Law Enforcement Officers............................ 28 Lawyers....................................................... 28 Leased Vehicles, Long Term........................ 10 Leased Vehicles, Short Term....................... 10 Legal Benefits.............................................. 49 Legal Expense............................... 10,28,50,60 Legal Expense Insurance............................. 38 Liability.............................................. 18,49,58 Liability, Corporate Aircraft.......................... 12 Liability Insurance........................................ 28 Libel, Slander............................................... 58 License Permit............................................. 14 Life............................................................... 49 Life Agents Professional.............................. 30 Life and Disability Creditor Lease................. 38 Light Industry ............................................. 53 Limited Depreciation.................................... 66 Liquor, Bars and Clubs................................. 44 Liquor, Retail Sales...................................... 46 Livestock Cargo............................................. 9 Livestock, Named Perils................................. 9 Local Cartage............................................... 10 Lodges, Fishing Camps................................ 50 Logging........................................................ 46 Logging Operations & Brush Clearing Equipment......................... 53 Logging Trucks............................................ 10 Log Home Builders...................................... 46 Long Haul Trucking Fleets............................ 10 Long Term Healthcare Facilities................... 46 Loss Of Use, Hull......................................... 12 Lost Document............................................ 14 Lost Document Bonds................................. 14 Lost Luggage............................................... 18 Lottery......................................................... 51 Lottery Bonds.............................................. 16 Lucky Key Pick............................................. 64 Machinery.................................................... 53 Machine Shops............................................ 53

CANADIAN UNDERWRITER INSURANCE MARKETER JULY 2009

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Magazine, Publishers................................... 58 Maintenance Insurance........................... 18,20 Management................................................ 16 Management Consultants............................ 30 Manicurist, Esthetician, Electrolysis............. 30 Manufactured Home Warranty..................... 66 Manufacturers’ Output................................. 54 Manufactures............................................... 30 Manufacturing, Hazardous Materials............ 46 Marinas........................................................ 56 Marine.......................................................... 46 Marine Architects......................................... 30 Marine Cargo............................................... 58 Marine Craft................................................. 66 Martial Arts Studio.................................. 30,46 Massage....................................................... 46 Media Holding Cos....................................... 58 Medical................................................... 30,58 Medical Equipment...................................... 20 Medical Malpractice..................................... 62 Medical Products......................................... 54 Metal Products (Auto Parts)........................ 54 Metal Products (Excluding Aircraft and Auto Parts)........... 54 Milk Farm/Dairy Farm................................... 36 Mining.......................................................... 46 Mining Operations........................................ 54 Ministers and Pastors.................................. 30 Miscellaneous Bonds................................... 16 Miscellaneous Property Floater.................... 38 Mobile Homes (Non-Motorized)................... 60 Mortgage..................................................... 38 Mortgage Broker.......................................... 38 Mortgagee In Possession............................. 60 Mortgage Impairment.................................. 38 Motorcycle Dealers...................................... 69 Motorcycles................................................. 10 Motor Homes............................................... 10 Motor Truck Cargo.................................. 10,46 Motor Truck Cargo L.L................................. 56 Multimedia Companies................................ 30 Multi-National Benefits................................. 49 Municipal Architects, Engineers................... 30 Municipalities, Indemnity Bonds.................. 16 Municipality................................................. 46 Municipality, Small....................................... 46 Music Promoters......................................... 46 Mutual Fund Dealers.................................... 30 Mutual Funds Managers............................... 30 Nail Salons................................................... 46 New Buildings.............................................. 67 New Home Warranty Program Bonds.......... 30 Newspaper Carriers...................................... 58 Newspapers................................................. 58 Non Appearance........................................... 62 Non-CSA Woodburners................................ 60 Non-Destructive Testing.............................. 30 Non-Ownership Pilot Liability....................... 12

Non-Profit Media ........................................ 58 Non-Profit Organizations, Directors & Officers................................... 30 Nurseries..................................................... 60 Nursery/Garden Centre................................ 69 Occupational AD & D................................... 62 Ocean Marine............................................... 56 Offshore Drilling........................................... 57 Oil and Gas Consultants............................... 58 Online Rating Site........................................ 51 Onshore Oil Well Drilling.............................. 57 Opticians...................................................... 30 Optometrists................................................ 30 Orthopedists................................................ 30 Ostriches........................................................ 9 Ostrich Farm................................................ 36 “Outbreak” Extra Expense (Contagion Ins. Risk)................................ 59 Outfitters and Guides................................... 46 Out Of Country Emergency Medical........ 62,64 Outstanding Balance.................................... 18 Owner Occupied Dwellings.......................... 46 Owner Operated Long Haul.......................... 10 Oxygen Bars................................................. 46 Paper Airplane Toss..................................... 64 Paper Products............................................ 54 Patent and Trademark Agents...................... 32 Penal Defence Cost...................................... 32 Pension Consultants.................................... 32 Pension Trusts............................................. 32 Performance ............................................... 16 Permanent Make-Up.................................... 46 Personal Computers.................................... 18 Personal Effects........................................... 18 Personal Excess Liability.............................. 49 Personal Trainer........................................... 32 Personal Training Studios............................ 46 Pesticide Liability......................................... 59 Pet Insurance, Mortality Show Dogs.............. 9 Petroleum, Natural Gas, Well-Lease Property.................................. 57 Pharmacists................................................. 32 Photo Voltage.............................................. 62 Piers and Docks........................................... 61 Pilot Accident............................................... 12 Pilot Disability.............................................. 12 Pilot Loss of License.................................... 12 Pipelines ..................................................... 61 Plastics, Synthetic Resins and Fibers........... 54 Pleasure Craft.............................................. 56 Plumbing, Electrical Installations, Heating... 67 Pollution....................................................... 57 Pollution Consultants................................... 32 Portable Sawmills........................................ 54 Poultry Farm................................................ 36 Poultry, Named Perils.................................... 9 Power Generation........................................ 61 Premium Financing Companies................... 32

CANADIAN UNDERWRITER INSURANCE MARKETER JULY 2009

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Primary Or Excess Placements.................... 60 Printers........................................................ 32 Printing Operations...................................... 54 Privacy Compliance...................................... 32 Private Investigators.................................... 32 Private School Tuition Fee....................... 38,49 Private Vocational Schools........................... 16 Prize Indemnity....................................... 16,64 Prize Indemnity Bingo.................................. 18 Prize Indemnity Internet Promotions........... 18 Prize Indemnity Lotteries............................. 18 Prize Indemnity Poker.................................. 18 Prize Indemnity Slots................................... 18 Pro Athletes Life and Disability.................... 62 Producer/Distributor Entertainment)............ 47 Producers Errors and Omissions................. 58 Product Contamination (Malicious)............. 54 Product Liability........................................... 12 Product Recall.............................................. 54 Project Managers......................................... 32 Promotion Incentives................................... 64 Property....................................................... 58 Property Managers...................................... 32 Protective Services...................................... 47 Protective Services Industry........................ 69 Provincial License........................................ 16 Psychiatrists................................................ 32 Psychologists............................................... 32 Public Officials Liability................................ 32 Public Relations & Promotions.................... 32 Publishers.................................................... 32 Purchase Protection..................................... 18 Quantity Surveyors...................................... 34 Quasi-Medical.............................................. 34 Racing.......................................................... 10 Racing Events.............................................. 47 Racing, Hull and Liability............................. 12 Racing, Spectator Liability........................... 10 Radio and Television.................................... 47 Radio and Television Towers and Equipment................................................. 61 Radio and TV Broadcast Equipment............. 20 Radiologists................................................. 34 Radio Promo................................................ 64 Radio, TV and Film....................................... 58 Railways and Rail Operations....................... 47 Real Estate................................................... 59 Real Estate Agents....................................... 34 Real Estate Brokers, Salesperson................. 16 Recreation Vehicle Extended Warranties...... 67 Recycling Centres........................................ 47 Refineries, Property and Liability................. 57 Reimbursement For Educational Institutions............................. 34 Reinsurance................................................. 16 Renewable Energy........................................ 62 Rental Equipment Dealers............................ 69 Rental Property............................................ 60 MKT 7

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DETAILED PRODUCT INDEX Residual Value............................................. 10 Retail Chain Package.................................... 69 Retail Flower Shops..................................... 60 RIBO Bonds................................................. 16 Riding Academies/Stables............................ 47 Riding Instructors, Accident and Weekly Indemnity...................................... 62 Rodeos......................................................... 47 Rooming and Boarding Houses................... 50 Royal Canadian Legions............................... 50 Rubber Recycling & Remanufacture............ 54 Rural Route Automobile............................... 10 RV Dealers................................................... 69 Safety Deposit Vault and Valuable Papers.... 38 Safety Equipment......................................... 54 Sales Tax...................................................... 16 Sand & Gravel Hauling................................. 10 Sawmills...................................................... 55 Scientific Instruments.................................. 20 Scrap/Wrecking Yards................................. 47 Scratch Cards.............................................. 51 Seasonal Risks (Ski Lifts, Water Slides, Skating)............... 47 Seat Accident............................................... 12 Securities Act............................................... 16 Security Guards........................................... 34 Seed Cleaners.............................................. 34 Seedsmen.................................................... 34 Seismic........................................................ 57 Self Storage Facilities................................... 69 Service Contractors...................................... 57 Shareholders Lost Instrument..................... 38 Ship Repair.................................................. 47 Shiprepairers Legal Liability......................... 56 Short-Term Events (Sporting Events, Trade Shows)................ 48 Short Term Rentals...................................... 60 Silva Farms.................................................. 36 Silverware.................................................... 60 Single Projects............................................. 34 Skeet Perfect Game...................................... 64 Slots............................................................. 51 Small Commercial........................................ 48 Snowmobiles............................................... 10 Social Workers............................................. 34 Societies and Associations........................... 58 Software/Hardware ..................................... 55 Software/Hardware Developers.................... 34 Solar Power................................................. 62 Spas............................................................. 48 Special Events.............................................. 48 Special Risks................................................ 12 Spectator Liability........................................ 48 Sporting Goods............................................ 55 Sports, Accident and Liability....................... 62

8 MKT

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Sports Associations..................................... 62 Sports Book................................................. 51 Sprinkler and Fire Protection Installers........ 34 Stand Alone Personal Lines......................... 66 Stand Alone Seasonal.................................. 60 Standing Timber.......................................... 38 Stockbrokers................................................ 34 Stock Through-Put....................................... 56 Stock Transfer Agents.................................. 34 Stop-Loss (Health Benefits)......................... 49 Storage Risks............................................... 57 Storage Tank Liability................................... 59 Storage Tanks.............................................. 61 Student Accident.......................................... 62 Student Dwellings........................................ 61 Student Medical........................................... 64 Student Pilot, Hull and Liability.................... 12 Substandard and Surcharged....................... 10 Substandard Property.................................. 61 Substandard Risk.................................... 38,50 Suntanning Salons.................................. 34,48 Surcharged Private Passenger Auto............. 10 Surety.......................................................... 16 Tag Fish....................................................... 64 Tattoo and Body Piercing........................ 34,48 Taxis ........................................................... 10 Telecommunications.................................... 34 Telephone Answering Services.................... 34 Terminal Operators...................................... 56 Terminals..................................................... 18 Terrorism..................................................... 61 Theatre......................................................... 48 Theological Counselors................................ 34 Timber Floater.............................................. 38 Title Abstractors........................................... 34 Title Insurance............................................. 38 Tobacco Tax................................................. 16 Toll Highways.............................................. 61 Tornado....................................................... 18 Tour Boats................................................... 56 Town Planners............................................. 34 Toys............................................................. 55 TP Carriers- Contingent Poll........................ 10 Trailers (Non-Commercial).......................... 10 Translators................................................... 34 Transportation Floater.................................. 38 Travel Agency.............................................. 16 Travel Agents............................................... 36 Travel Insurance.......................................... 49 Travelling Athletes........................................ 62 Travel TI/TC/Med.......................................... 18 Trip Cancellation.......................................... 64 Truckmen’s Liability..................................... 48 Trucks.......................................................... 10 Trust Companies.......................................... 36

Trustee In Bankruptcy.................................. 36 Trust Funds.................................................. 36 Tugs, Barges................................................ 56 Tuition Expense Protection.......................... 62 Umbrella...................................................... 36 Umbrella Liability......................................... 58 Underwater Marine Equipment..................... 20 Unlicensed Vehicles..................................... 10 Unusual Buildings........................................ 61 US Bonds..................................................... 16 Used Auto.................................................... 67 Used Car Dealer........................................... 16 U.S. Exposures............................................ 36 US Insurance, All Lines, All States................. 9 U.S. Products Liability................................. 58 US Risks ...................................... 57,59,61,69 US Sales................................................. 48,56 U.S. Workers Compensation........................ 58 Vacant and Idle Buildings............................. 61 Vacant House for Sale.................................. 61 Vacation Rental/Security Deposit Insurance.64 Vending Machine Floater.............................. 38 Vending Machines........................................ 61 Venture Capital............................................. 36 Veterinarians........................................... 36,48 Video Lottery Terminals............................... 69 Video Poker ............................................... 51 Visitors Medical........................................... 64 Visitors to Canada Medical........................... 49 Warehousemans’......................................... 48 War Risk, AD & D........................................ 58 War Risk...................................................... 48 War Risk, Term Life..................................... 58 Water Theme Parks...................................... 48 Water Transport Services............................. 56 Wave Pools.................................................. 48 Weather Promos.......................................... 64 Web Design.................................................. 51 Website Security.......................................... 36 Welding Contractors.................................... 48 Well Blow Out (Cost Of Control).................. 57 Wharf and Waterfront Property.................... 56 Wind Farms.................................................. 57 Wind Turbines.............................................. 62 Wireline Logging.......................................... 57 Wooden Boats.............................................. 56 Woodland Equipment Floaters..................... 38 Woodworking Shops.................................... 55 Workers’ Compensation............................... 48 Workers Compensation Replacement.......... 49 World Wide Product Liability....................... 58 Wrap Up....................................................... 48 Wreckers...................................................... 10 Zebra Mussels (Pleasure Craft).................... 56 Zoo Animals, Named Perils............................ 9

CANADIAN UNDERWRITER INSURANCE MARKETER JULY 2009

08/07/09 12:36 PM

PRODUCT LISTINGS SEE PAGES 70-74 FOR COMPANY CONTACT INFORMATION AIR CONDITIONING AXA Berkley Boiler Inspection Chesterfield Chutter CNA Guardian Risk Peace Hills Trans Canada

ANIMALS Animal Rides A M Fredericks Beacon South Western Special Risk Totten

Birds, Named Perils Trans Canada

Bison Ranches Trans Canada Wawanesa

Dogs, Full Mortality Trans Canada

Dogs, Named Perils Trans Canada

Exotic Animals

Horses, Named Perils Aviva Economical HUD RSA South Western Totten Trans Canada TSW Wawanesa XL

Livestock Cargo HUD Kingsway Markel N G Williams South Western Special Risk Trans Canada Universal XL

Livestock, Named Perils Echelon Economical HUD South Western Trans Canada Wawanesa XL

Trans Canada Wawanesa

Ostriches

Feed Lot, Hog Confinement

Pet Insurance, Mortality Show Dogs

Economical Trans Canada Wawanesa

Full Mortality, Horses (Other Than Farm Animals) Atlantic Marine Aviva Equine K&K RSA South Western Totten Trans Canada TSW XL

Full Mortality, Livestock Equine N G Williams South Western Trans Canada XL

Fur-Bearing Animals, Named Perils Trans Canada

Hog Producers Economical HUD Totten Trans Canada

Trans Canada

Poultry, Named Perils Economical HUD Trans Canada Wawanesa

US Insurance, All Lines, All States

Antiques, Collector Cars Aviva AXA Echelon Economical L.J. Gosselin N G Williams RSA South Western Special Risk Trans Canada

Artisan’s Vehicles Aviva AXA Echelon Economical Intact Kingsway Peace Hills RSA South Western Special Risk Wawanesa

Auto Physical Damage Aviva AXA CNA Echelon Economical Kingsway Monarch N G Williams RSA Special Risk Universal Wawanesa

Contractor’s Vehicles

AXA L.J. Gosselin TIC Travel

ACE INA Aviva AXA CNA Echelon Economical Intact Kingsway Peace Hills RSA South Western Special Risk Trans Canada Wawanesa

All Terrain Vehicles

Courier Services

Aviva AXA Echelon Economical Peace Hills RSA Special Risk

AXA Can-Sure Kingsway RSA Special Risk Trans Canada Underwriting Contract

HUD Special Risk Trans Canada

Zoo Animals, Named Perils A M Fredericks XL

AUTOMOBILE Air Flight Accident

CANADIAN UNDERWRITER INSURANCE MARKETER JULY 2009

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Trans Canada Universal Wawanesa

Creditor Insurance AXA Echelon L.J. Gosselin Special Risk

Daily Car Rental Fleet AXA RSA

Delivery Vehicles AXA Echelon Economical Intact Kingsway Markel

Downpayment AXA L.J. Gosselin

Driver Training Schools AXA Echelon Economical RSA Special Risk

Excess Liability ACE INA AXA Berkley Can-Sure Central Chutter Echelon Elliott N G Williams RSA South Western Special Risk Trans Canada TSW XL Zurich

Fleets ACE INA Aviva AXA Central Echelon Economical Intact Kingsway Markel N G Williams RSA Special Risk Trans Canada TSW Wawanesa Zurich MKT 9

08/07/09 12:37 PM

SEE PAGES 70-74 FOR COMPANY CONTACT INFORMATION Foreign Risks AXA Berkley Can-Sure South Western Special Risk Zurich

Gap AXA Echelon L.J. Gosselin

Garage Repairs Operations A M Fredericks ACE INA Aviva AXA Can-Sure Chutter Economical HUD Intact Kingsway Peace Hills RSA Totten Trans Canada

Glass Aviva AXA Echelon RSA Wawanesa

High Risk Auto AXA Echelon Economical Kingsway N G Williams RSA

High Risk Auto - Class 35 And 36 Private Passenger AXA Echelon Kingsway RSA

High Value Vehicles Aviva AXA Guarantee Company Monarch N G Williams RSA South Western

Leased Vehicles, Long Term ACE INA Aviva Echelon Economical Kingsway Peace Hills RSA Wawanesa

Leased Vehicles, Short Term AXA Echelon RSA 10 MKT

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Legal Expense AXA RSA Sterlon

Local Cartage Aviva Central Echelon Economical Intact Markel RSA

Logging Trucks AXA Kingsway Markel N G Williams Special Risk Universal

Long Haul Trucking Fleets AXA HUD Kingsway Markel N G Williams Trans Canada TSW Universal Zurich

Motor Homes

Aviva AXA Echelon Economical Guarantee Company Peace Hills RSA Wawanesa

Motor Truck Cargo A M Fredericks Atlantic Marine Aviva AXA Beacon Can-Sure Central Chutter CNA Economical Elliott HUD Intact Kingsway Monarch N G Williams Peace Hills RSA South Western Special Risk Totten Trans Canada TSW Universal Zurich

Motorcycles Aviva AXA

Beacon Echelon Economical Guarantee Company Kingsway RSA Wawanesa

Owner Operated Long Haul AXA Chutter Kingsway Markel N G Williams Universal Zurich

Racing L.J. Gosselin K&K Premiere Insurance Special Risk

Racing, Spectator Liability Can-Sure Echelon K&K Premiere Insurance Special Risk

Residual Value AXA Trans Canada

Rural Route Automobile AXA RSA

Sand & Gravel Hauling Aviva AXA Can-Sure Kingsway Markel N G Williams RSA Special Risk Universal

Snowmobiles Beacon Echelon Economical Guarantee Company Peace Hills RSA Special Risk Trans Canada

Substandard And Surcharged AXA Echelon Economical Kingsway RSA

Surcharged Private Passenger Auto AXA Echelon Economical Kingsway RSA

TP Carriers- Contingent Poll AXA Universal

Taxis

AXA Chutter Kingsway RSA Special Risk

Trailers (Non-Commercial) Aviva AXA Echelon Economical Kingsway N G Williams Peace Hills RSA Wawanesa

Trucks

ACE INA Aviva AXA Economical HUD Intact Kingsway Markel N G Williams Peace Hills RSA Trans Canada Universal Wawanesa Zurich

Unlicensed Vehicles AXA Beacon Elliott N G Williams RSA Special Risk

Wreckers AXA Chutter Elliott HUD Kingsway RSA Special Risk

AVIATION Air Cargo

A M Fredericks ACE INA Atlantic Marine Catlin CNA South Western Special Risk Totten Trans Canada

Aircraft

Atlantic Marine Catlin Park Aviation South Western continues on page 12

CANADIAN UNDERWRITER INSURANCE MARKETER JULY 2009

08/07/09 12:37 PM

1THE GUARANTEE full page

5/8/09

3:05 PM

Page 1

CANADA’S LEADING SPECIALTY INSURER

SHOWING YOU THE WAY FROM COAST TO COAST • Professional claims services • Committed to the independent broker distribution network • Commercial Lines - No contract required - No minimum premium volume required

• Personal Lines - Contract required

We have…time for you!

PRODUCTS WE OFFER: • Contract Surety • Commercial/Miscellaneous Surety • Credit Insurance • Fidelity Bonds • Directors’ and Officers’ Liability • Guarantee GOLD® (Executive Home & Auto Insurance)

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gcna.com 08/07/09 12:37 PM

SEE PAGES 70-74 FOR COMPANY CONTACT INFORMATION continued from page 10

Special Risk Totten Trans Canada XL

Aircraft Hull Atlantic Marine Catlin Park Aviation South Western Special Risk Totten Trans Canada XL

Aircraft Liability Atlantic Marine Catlin Park Aviation South Western Special Risk Totten Trans Canada XL

Aircraft Maintenance, Repairs And Hangers

Chartered, Hull And Liability Atlantic Marine Catlin Park Aviation South Western Totten XL

Crop Spraying Catlin Special Risk Trans Canada

Excess Liability

Catlin Trans Canada

Catlin Park Aviation South Western Special Risk Totten

Pilot Accident

Forced Landing

Catlin Park Aviation Special Risk XL

Airport/Air Meet Liability Catlin Park Aviation Totten Trans Canada

Airshows Catlin Park Aviation Trans Canada

Animal Air Cargo Atlantic Marine Catlin Special Risk Trans Canada

Borrowed/Rented, Legal Liability Catlin 12 MKT

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Catlin Park Aviation South Western Totten XL

Flying Club, Hull And Liability

Airport Contractors

Catlin N G Williams Park Aviation Special Risk Trans Canada XL

Liability, Corporate Aircraft

Loss Of Use, Hull

Catlin

Airport Premises

Catlin South Western Special Risk Totten

Catlin South Western Special Risk Trans Canada XL

Atlantic Marine Catlin Park Aviation South Western Special Risk Trans Canada XL Catlin Park Aviation Special Risk Totten Trans Canada XL

Hovercraft (Air Cushion Vehicles), Hull And Liability

Foreign Risks Catlin South Western Totten

Fueling, Maintaining Or Servicing Aircraft

Ground Cover

Catlin XL

Non-Ownership Pilot Liability

Catlin L.J. Gosselin

Pilot Disability Catlin L.J. Gosselin

Pilot Loss Of License Catlin L.J. Gosselin William J. Sutton

Product Liability Catlin MINT Park Aviation Special Risk Totten Trans Canada XL

Catlin Park Aviation XL

Racing, Hull And Liability

Hanger Keepers, Hull And Liability

Catlin L.J. Gosselin

Special Risk

Seat Accident

Catlin Park Aviation South Western Special Risk Totten Trans Canada XL

Special Risks

Helicopter, Hull And Liability

Catlin Park Aviation

Atlantic Marine Catlin Park Aviation South Western Special Risk Totten XL

Helicopter-Accident Catlin L.J. Gosselin

Hot Air Balloons Catlin Special Risk

Catlin L.J. Gosselin South Western Special Risk

Student Pilot, Hull And Liability

BOILER & MACHINERY A M Fredericks Aviva AXA AXIS Boiler Inspection Can-Sure Catlin Central CHES Chesterfield CNA Elliott

Genmark Grain HUB HUD Kingsway RSA South Western Special Risk Totten Trans Canada TSW Wawanesa Zurich

BONDS Administration

Aviva AXA Berkley CNA Economical Guarantee Company HUD Intact Kingsway South Western Totten Trans Canada Travelers Guarantee Trisura Zurich

Auctioneers License Aviva CNA Economical Guarantee Company Intact Kingsway South Western Trans Canada Travelers Guarantee Trisura Zurich

Automobile Dealers Aviva AXA CNA Economical Guarantee Company Intact South Western Trans Canada Travelers Guarantee Trisura Zurich

Bailiff

Aviva Economical Guarantee Company South Western Totten Trans Canada Travelers Guarantee Trisura

Bankers’ Blanket Guarantee Company Trans Canada Trisura

CANADIAN UNDERWRITER INSURANCE MARKETER JULY 2009

08/07/09 12:38 PM

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08/07/09 1:54 PM

SEE PAGES 70-74 FOR COMPANY CONTACT INFORMATION Blanket Position

Consumer Protection

Economical Guarantee Company HUD Peace Hills Special Risk Totten Trans Canada Trisura

ACE INA Aviva AXA CNA Economical Guarantee Company Intact Kingsway South Western Totten Trans Canada Travelers Guarantee Trisura Zurich

Bonds-Private Investigation And Security Guards ACE INA Aviva AXA Berkley CNA Economical Guarantee Company HUD Intact Kingsway South Western Totten Trans Canada Travelers Guarantee Trisura Zurich

Contract Bond

Can-Sure Guarantee Company South Western Trans Canada Trisura

ACE INA Aviva AXA Berkley CNA Economical Guarantee Company Intact Kingsway Pratt Lambert & Brown South Western Special Risk Totten Trans Canada Travelers Guarantee Trisura Zurich

Carnet Bonds

Court

Berkley Kingsway South Western Travelers Guarantee Trisura Zurich Economical HUD South Western Travelers Guarantee Trisura Zurich

ACE INA Aviva AXA Berkley CNA Economical Guarantee Company Kingsway Totten Trans Canada Travelers Guarantee Trisura Zurich

Commercial Blanket

Credit Unions

Brokers’ Blanket

Collection Agents Bonds

A M Fredericks Aviva Can-Sure Economical Guarantee Company HUD Peace Hills RSA South Western Totten Trans Canada Trisura

Comprehensive A M Fredericks Economical Guarantee Company South Western Trisura 14 MKT

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Trisura

Customs, Excise ACE INA Aviva AXA Berkley CNA Economical Guarantee Company HUD Intact Kingsway South Western Totten Trans Canada Travelers Guarantee Trisura Zurich

Electrical Contractors License Aviva CNA Economical Guarantee Company HUD Intact Kingsway Trans Canada Travelers Guarantee Trisura Zurich

Environmental Trisura Zurich

Fidelity

ACE INA Aviva Berkley Economical Guarantee Company HUD Peace Hills RSA South Western Special Risk Totten Trans Canada Trisura Zurich

Fiduciary

CNA Economical Intact South Western Totten Travelers Guarantee Trisura Zurich

Financial Guarantee Aviva AXA Guarantee Company South Western Special Risk Totten Trans Canada Travelers Guarantee

Fuel Tax Bonds, U.S.A. ACE INA Aviva AXA CNA Guarantee Company Kingsway Totten Travelers Guarantee Trisura Zurich

Grain Dealers

AXA CNA Guarantee Company Trans Canada Travelers Guarantee Trisura

Guardianship

Aviva AXA CNA Economical Guarantee Company Intact Kingsway South Western TIC Travel Totten Travelers Guarantee Trisura Zurich

Insurance Company Berkley Guarantee Company Trans Canada Trisura

Janitorial Bonds A M Fredericks Aviva AXA Can-Sure CNA Economical Grain HUD Intact Trans Canada

License Permit

ACE INA Aviva AXA Berkley CNA Economical Guarantee Company HUD Intact Kingsway South Western Totten Trans Canada Travelers Guarantee Trisura Zurich

Lost Document Aviva AXA CNA Economical Guarantee Company Intact South Western Trisura Zurich

Lost Document Bonds Aviva AXA Berkley CNA Economical HUD Intact Kingsway South Western

continues on page 16

CANADIAN UNDERWRITER INSURANCE MARKETER JULY 2009

08/07/09 12:40 PM

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08/07/09 1:55 PM

SEE PAGES 70-74 FOR COMPANY CONTACT INFORMATION continued from page 14

Special Risk Totten Trans Canada Travelers Guarantee Trisura Zurich

Lottery Bonds

ACE INA Aviva AXA CNA Guarantee Company Intact Travelers Guarantee Trisura

Miscellaneous Bonds ACE INA Aviva AXA Berkley Can-Sure CNA Economical Guarantee Company HUD Intact Kingsway South Western Special Risk Totten Trans Canada Travelers Guarantee Trisura Zurich

Municipalities, Indemnity Bonds CNA Guarantee Company Kingsway Travelers Guarantee Trisura

Performance

ACE INA Aviva AXA Berkley CNA Echelon Economical Guarantee Company Intact Kingsway Pratt Lambert & Brown South Western Totten Trans Canada Travelers Guarantee Trisura Zurich

Private Vocational Schools CNA Economical Guarantee Company Kingsway Totten Travelers Guarantee Trisura 16 MKT

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Provincial License Aviva AXA Berkley CNA Economical Guarantee Company Intact Kingsway Travelers Guarantee Trisura

RIBO Bonds

Aviva Berkley Economical Guarantee Company South Western Totten Trisura

Real Estate Brokers, Salesperson Aviva AXA CNA Economical Guarantee Company HUD Intact South Western Travelers Guarantee Trisura Zurich

Sales Tax

Aviva AXA Berkley CNA Economical Guarantee Company Intact South Western Totten Trans Canada Travelers Guarantee Trisura Zurich

Securities Act

Aviva CNA Economical Guarantee Company South Western Travelers Guarantee Trisura Zurich

Surety

ACE INA Aviva AXA Berkley CNA Economical Guarantee Company HUD Intact Kingsway Pratt Lambert & Brown South Western

Special Risk Totten Trans Canada Travelers Guarantee Trisura Zurich

Tobacco Tax Aviva AXA CNA Economical Guarantee Company Intact Kingsway Travelers Guarantee Trisura Zurich

Travel Agency Aviva AXA Economical Guarantee Company HUD Intact South Western TIC Travel Totten Travelers Guarantee Trisura Zurich

US Bonds Aviva AXA CNA Travelers Guarantee Trisura Zurich

Used Car Dealer Aviva AXA CNA Economical Guarantee Company HUD Intact South Western Travelers Guarantee Trisura Zurich

CAMPGROUNDS A M Fredericks Aviva Beacon Can-Sure CHES Chutter Echelon Elliott Grain K&K Premiere Insurance South Western Special Risk Underwriting Contract Universal Wawanesa

CAPTIVE Formation L.J. Gosselin Trans Canada

Fronting Arrangements L.J. Gosselin Trisura XL Zurich

Management L.J. Gosselin

Reinsurance CHES Echelon L.J. Gosselin Zurich

CARNIVALS AND FAIRGROUNDS A M Fredericks Beacon Echelon Elliott Grain K&K Premier Marine Premiere Insurance South Western Special Risk Universal

CASINO AND LAWFUL GAMING CGL A M Fredericks CHES Creechurch Premiere Insurance Totten Trans Canada XL

Dice Roll PAL

Envelope Draw PAL Trans Canada

Horse Racing Associations A M Fredericks Equine K&K Premiere Insurance TSW Universal

Prize Indemnity Echelon L.J. Gosselin K&K PAL Premiere Insurance Prize Indemnity South Western Totten Trans Canada TSW William J. Sutton

CANADIAN UNDERWRITER INSURANCE MARKETER JULY 2009

08/07/09 12:41 PM

Stay worry free with: Innovative home and auto insurance solutions Leading commercial insurance solutions Exceptional group insurance solutions Market-leading insurance solutions for RVs, motorcycles, boats and more Guaranteed claims service All of the above, only from Aviva

As an independent insurance broker, you need to consider the best solutions and products for customers. With the greatest depth and breadth of expertise in the Canadian industry, you can count on Aviva. With more than 150 years of experience, and products and solutions across all lines of business, the Aviva family of companies is the best way to meet customersâ&#x20AC;&#x2122; needs â&#x20AC;&#x201C; and for you to stay worry free.

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10/06/09 10:31 AM 08/07/09 12:41 PM

SEE PAGES 70-74 FOR COMPANY CONTACT INFORMATION Prize Indemnity Bingo

Terminals

Echelon K&K PAL Prize Indemnity Trans Canada

Kingsway XL

Prize Indemnity Internet Promotions L.J. Gosselin K&K PAL Prize Indemnity Totten

Prize Indemnity Lotteries L.J. Gosselin K&K Prize Indemnity

Prize Indemnity Poker Echelon L.J. Gosselin K&K PAL Prize Indemnity Trans Canada

Prize Indemnity Slots L.J. Gosselin K&K PAL Prize Indemnity

Tornado Catlin TSW

CHURCHES A M Fredericks Aviva AXA Can-Sure Grain Peace Hills South Western Special Risk Totten Trans Canada Underwriting Contract Universal Wawanesa

COMPUTERS A M Fredericks Trans Canada

Computer Fraud

Pratt Lambert & Brown

Berkley Guarantee Company Trans Canada Trisura TSW Zurich

Earthquake

Data Fraud

CATASTROPHE

AXA Catlin N G Williams Peace Hills RSA Special Risk TSW Wawanesa

Flood AXA Catlin N G Williams Peace Hills RSA Special Risk TSW

Hail AXA Catlin TSW

Hurricane Catlin RSA TSW

Liability ACE INA AXA Catlin Chesterfield Chutter Elliott Special Risk TSW 18 MKT

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Trans Canada TSW

EDP Equipment A M Fredericks Aviva AXA Can-Sure Central Creechurch Economical Elliott Encon HUD Kingsway Peace Hills RSA South Western Special Risk Trans Canada TSW Universal Wawanesa Zurich

Extortion L.J. Gosselin Trans Canada

Maintenance Insurance Encon

Personal Computers A M Fredericks AXA Economical

HUD Peace Hills RSA Special Risk Wawanesa

COURSE OF CONSTRUCTION A M Fredericks Aviva AXA AXIS Beacon Can-Sure Central CHES Chesterfield Chutter CNA Echelon Ecoinsurances Elliott Encon Genmark Guardian Risk HUB HUD Intact Kingsway Monarch N G Williams Peace Hills Premier Marine RSA South Western Sovereign Special Risk Totten Trans Canada TSW Underwriting Contract Universal Wawanesa XL Zurich

CREDIT CARD Cell phone RSA

Collision Damage Waiver Aviva Echelon L.J. Gosselin RSA

Delay Luggage Echelon L.J. Gosselin RSA

Extended Warranties Aviva Echelon L.J. Gosselin RSA

Flight Delay Echelon L.J. Gosselin RSA TIC Travel

Hotel/Motel Theft Aviva Echelon L.J. Gosselin RSA

Lost Luggage Aviva Echelon L.J. Gosselin RSA TIC Travel

Outstanding Balance Echelon L.J. Gosselin

Personal Effects RSA

Purchase Protection Aviva Echelon L.J. Gosselin RSA

Travel TI/TC/Med RSA

CREDIT INSURANCE Echelon Guarantee Company Totten Trans Canada

CREDITOR Echelon L.J. Gosselin

EQUIPMENT (EXCLUDING COMPUTERS) Container Handling Equipment A M Fredericks Chutter Elliott RSA South Western Special Risk

continued

Contractors A M Fredericks Aviva AXA AXIS Beacon Can-Sure Catlin Central CHES Chesterfield Chutter CNA Echelon Economical Elliott Guardian Risk HUD Intact N G Williams Peace Hills RSA South Western

continues on page 20

CANADIAN UNDERWRITER INSURANCE MARKETER JULY 2009

08/07/09 12:41 PM

Responsive Creative Secure

Commercial General Liability Umbrella and Excess Liability Professional Liability Life Sciences Liability Liability for Technology Companies Surety Operations Other Specialty Casualty Lines

A wholly owned subsidiary of Berkley Insurance Company AM Best Rating A+ (Superior) Standard & Poors Rating A+ (Strong) 1 First Canadian Place • 100 King Street West, Suite 2610 • Toronto, On M5X 1C8 • Tel: 416-304-1178 • info@berkleycanada.com

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SEE PAGES 70-74 FOR COMPANY CONTACT INFORMATION continued from page 18

Special Risk Totten Trans Canada TSW Universal Wawanesa Zurich

Electronic Equipment A M Fredericks Aviva AXA Boiler Inspection Can-Sure Central CHES CNA Creechurch Economical Elliott Guardian Risk RSA South Western Special Risk Trans Canada TSW Zurich

Excess Liability A M Fredericks Can-Sure Catlin Central CHES Chutter Creechurch N G Williams South Western Special Risk Totten Trans Canada TSW

Farm Equipment And Machinery A M Fredericks AXA Beacon Catlin Echelon Economical HUD Peace Hills RSA South Western Special Risk Totten Trans Canada TSW Universal Wawanesa

Forestry Equipment A M Fredericks AXA Boiler Inspection Can-Sure Catlin N G Williams RSA 20 MKT

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South Western Totten Trans Canada Underwriting Contract Universal Zurich

Geophysical Equipment A M Fredericks AXA Catlin CNA Intact N G Williams RSA Special Risk Trans Canada TSW Zurich

Maintenance Insurance RSA South Western Trans Canada

Medical Equipment A M Fredericks AXA Boiler Inspection Catlin Creechurch Elliott N G Williams Special Risk Totten Trans Canada

Radio And TV Broadcast Equipment A M Fredericks Boiler Inspection Catlin Elliott South Western Special Risk Trans Canada TSW Unionville Zurich

Scientific Instruments A M Fredericks AXA Boiler Inspection Catlin Creechurch Elliott N G Williams RSA Special Risk TSW

Underwater Marine Equipment N G Williams RSA South Western Special Risk Totten

ERRORS AND OMISSIONS, MALPRACTICE, PROFESSIONAL LIABILITY Accountants A M Fredericks AXA Can-Sure Catlin Chesterfield Echelon Encon Monarch N G Williams RSA South Western Special Risk Totten Trans Canada Trisura Universal XL

Actuaries

A M Fredericks Can-Sure Chesterfield Creechurch Encon MINT Monarch Special Risk Totten Trans Canada Trisura Universal

Adjusters

A M Fredericks ACE INA AXA Can-Sure Catlin Central Chesterfield Creechurch Elliott Encon MINT Monarch Premier Marine RSA South Western Sovereign Totten Trans Canada Trisura Universal

Advertising Agents A M Fredericks ACE INA AXIS Can-Sure Catlin Central Chesterfield Elliott Encon MINT Monarch Premier Marine

RSA South Western Sovereign Special Risk Totten Trans Canada Universal Zurich

Agents And Brokers A M Fredericks ACE INA AXIS Berkley Can-Sure Central Chesterfield Echelon Elliott Encon HUD MINT Monarch South Western Special Risk Totten Trans Canada Trisura TSW Universal

Agrologists AXA Catlin Chesterfield Chutter Encon Monarch Pratt Lambert & Brown Premier Marine South Western Special Risk Totten Trans Canada

Appraisers A M Fredericks ACE INA AXA Berkley Can-Sure Catlin Central CHES Chesterfield Elliott Encon MINT Monarch Pratt Lambert & Brown Premier Marine RSA South Western Sovereign Special Risk Totten Trans Canada Trisura Universal

CANADIAN UNDERWRITER INSURANCE MARKETER JULY 2009

08/07/09 12:42 PM

All things being equal, you have your favourite.

Whether it’s a pet, a place or a personal protection package, some one-of-a-kind combination of qualities creates a powerful bond and a special relationship. Out of many, one becomes your favourite. That’s the way it is with Peace Hills and the brokers whose

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business we value – we work hard to be their favourite insurance provider, offering competitive rates, the best coverage and the fastest, friendliest service. But our favourite thing is providing all of it in one perfect package.

OUR POLICY IS WORKING FOR YOU 08/07/09 12:42 PM

SEE PAGES 70-74 FOR COMPANY CONTACT INFORMATION Architects A M Fredericks AXA Can-Sure Catlin Central Chesterfield Creechurch Elliott Encon MINT Monarch N G Williams Pratt Lambert & Brown South Western Special Risk Totten Trans Canada Universal Zurich

Asbestos Removal Consultants Can-Sure Catlin CHES Chesterfield Elliott Encon MINT Monarch Pratt Lambert & Brown Premier Marine South Western Totten Zurich

Asbestos Removal Contractors Can-Sure CHES Chesterfield Elliott Encon MINT Monarch Pratt Lambert & Brown Premier Marine Totten Zurich

Associations A M Fredericks ACE INA AXA AXIS Berkley Can-Sure Catlin Central Chesterfield Creechurch Echelon Elliott Encon Frank Cowan Guarantee Company MINT Monarch Pratt Lambert & Brown Premier Marine 22 MKT

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RSA South Western Sovereign Special Risk Totten Trans Canada Trisura Universal

Premier Marine South Western Special Risk Totten Trans Canada TSW Universal Zurich

Audiologists

Career Counselors

A M Fredericks AXA Berkley Can-Sure Catlin Chesterfield Creechurch Echelon Elliott Encon Intact MINT Monarch N G Williams Pratt Lambert & Brown Premier Marine RSA South Western Sovereign Special Risk Totten Trans Canada Trisura Universal

Banks And Financial Institutions AXIS Chesterfield Monarch Special Risk Totten Trans Canada TSW XL Zurich

Broadcasters

ACE INA AXIS Elliott MINT Monarch Pratt Lambert & Brown Premiere Insurance South Western Special Risk Totten Trisura TSW Unionville Universal Zurich

Burglar Alarm Installers A M Fredericks Berkley Can-Sure CHES Chesterfield Elliott MINT

A M Fredericks ACE INA AXA Berkley Can-Sure Catlin Central Chesterfield Chutter Creechurch Elliott Encon MINT Monarch Pratt Lambert & Brown Premier Marine RSA South Western Sovereign Special Risk Totten Trans Canada Trisura Universal

Cemeteries, Morticians A M Fredericks ACE INA Aviva AXA Berkley Can-Sure Catlin Chesterfield Echelon Encon Grain Intact MINT Monarch Pratt Lambert & Brown Premier Marine RSA South Western Sovereign Special Risk Trans Canada Universal

Central Alarm Monitoring Stations A M Fredericks Berkley Chesterfield Elliott MINT Premier Marine South Western Special Risk

Totten Trans Canada TSW Universal Zurich

Charitable Institutions A M Fredericks ACE INA AXA Berkley Catlin Chesterfield Echelon Elliott Encon Frank Cowan Guarantee Company MINT Monarch Pratt Lambert & Brown Premier Marine RSA South Western Sovereign Special Risk Trans Canada Trisura Universal

Clinical Laboratories A M Fredericks Berkley Can-Sure Catlin Chesterfield Creechurch Elliott Encon Frank Cowan MINT Monarch Pratt Lambert & Brown Premier Marine South Western Special Risk Totten Trans Canada Zurich

Collections Agencies A M Fredericks ACE INA Berkley Can-Sure Catlin Central Chesterfield Chutter Elliott Encon MINT Monarch Premier Marine South Western Special Risk Totten Trans Canada Trisura Zurich

CANADIAN UNDERWRITER INSURANCE MARKETER JULY 2009

08/07/09 12:43 PM

Technology should make your life easier; it should work. Just like a tack.

Connex Suite™, integration technology from The Economical Insurance Group® truly delivers “easy”. Our technology suite gives you access to the information you need, when you need it, so you can focus on what matters most: your customers and delivering excellent service.

Your technology should make your life easier;

www.economicalinsurance.com

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08/07/09 12:43 PM

SEE PAGES 70-74 FOR COMPANY CONTACT INFORMATION Complimentary Medical Practitioners Berkley Can-Sure Chesterfield Echelon Elliott Encon Frank Cowan Guardian Risk MINT Monarch N G Williams Pratt Lambert & Brown South Western Special Risk Totten Trans Canada Universal

Computer Consultants A M Fredericks ACE INA AXIS Berkley Can-Sure Central Chesterfield Creechurch Elliott Encon HUD MINT Monarch Pratt Lambert & Brown Premier Marine South Western Special Risk Totten Trans Canada Trisura TSW Universal Zurich

Computer Service A M Fredericks ACE INA AXIS Berkley Can-Sure Central Chesterfield Creechurch Encon HUD MINT Monarch Pratt Lambert & Brown Premier Marine South Western Special Risk Totten Trans Canada Trisura TSW Universal Zurich 24 MKT

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Condominiums, Directors And Officers Aviva AXA Can-Sure Catlin Chesterfield Economical Great American Guardian Risk Intact Monarch N G Williams Pratt Lambert & Brown Premier Marine RSA South Western Special Risk Totten Trans Canada Trisura Universal Wawanesa

Contractors A M Fredericks Berkley Can-Sure Catlin Central Chesterfield Chutter CNA Echelon Elliott Encon MINT Monarch N G Williams Pratt Lambert & Brown South Western Special Risk Totten Trans Canada TSW Zurich

Corporate Health Providers A M Fredericks Berkley Chesterfield Creechurch Elliott Encon Monarch Pratt Lambert & Brown South Western Totten Trans Canada Trisura

Credit Bureaus ACE INA Central Chesterfield Elliott Encon MINT Monarch Special Risk Trisura

Credit Card Companies A M Fredericks Can-Sure

Credit Card Processors Pratt Lambert & Brown

Credit Unions Chesterfield MINT Special Risk

Crop Consultants Berkley Can-Sure Catlin Chesterfield Encon Monarch South Western Special Risk Trans Canada

Dance Studio

A M Fredericks Berkley Catlin Chesterfield K&K Pratt Lambert & Brown Premier Marine RSA Special Risk Totten

Data Processors

A M Fredericks ACE INA AXA AXIS Berkley Catlin Central Chesterfield Creechurch Echelon Elliott Encon MINT Monarch Pratt Lambert & Brown Premier Marine RSA South Western Special Risk Totten Trisura TSW Zurich

Day Cares

A M Fredericks Berkley Chesterfield Elliott Frank Cowan MINT RSA South Western Sovereign Totten Trans Canada Universal

Demolition Contractors A M Fredericks Can-Sure Chesterfield Elliott Encon MINT South Western Special Risk Trans Canada

Design/Build A M Fredericks Can-Sure Catlin Chesterfield Creechurch Echelon Elliott Encon MINT Monarch N G Williams Pratt Lambert & Brown South Western Special Risk Totten Trans Canada Zurich

Difficult-To-Define Trades And Professions A M Fredericks Berkley Catlin Central CHES Chesterfield Creechurch Echelon Elliott Encon MINT Monarch N G Williams Pratt Lambert & Brown Premier Marine RSA South Western Special Risk Totten Trans Canada Trisura Zurich

Digital Risks A M Fredericks ACE INA Berkley Can-Sure Central Chesterfield Encon Pratt Lambert & Brown Special Risk Totten Trans Canada Zurich

CANADIAN UNDERWRITER INSURANCE MARKETER JULY 2009

08/07/09 12:43 PM

FROM THE EPIC TO THE EVERYDAY, WE UNDERWRITE PROGRESS. In business. In your life. In everything. As a leading global insurer we do the right thing for you and your customers. That’s why millions of people rely on us to keep them moving forward every day. Learn more about us at www.rsagroup.ca.

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08/07/09 12:44 PM 6/25/2009 3:50:23 PM

SEE PAGES 70-74 FOR COMPANY CONTACT INFORMATION Directors And Officers A M Fredericks ACE INA AXA AXIS Berkley Can-Sure Catlin CHES Chesterfield Creechurch Elliott Encon Great American Guarantee Company Guardian Risk Monarch N G Williams Premier Marine South Western Sovereign Special Risk Totten Trans Canada Trisura TSW Universal XL Zurich

Educators A M Fredericks ACE INA Berkley Catlin Chesterfield Chutter Frank Cowan MINT Pratt Lambert & Brown Premier Marine RSA South Western Sovereign Special Risk Trisura TSW Universal

Electronics Manufacturer ACE INA Berkley Chesterfield Creechurch Encon Monarch South Western Special Risk TSW Universal Zurich

Employment Agencies, Counselors A M Fredericks AXA Berkley Can-Sure Catlin Central Chesterfield 26 MKT

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Chutter Creechurch Elliott Encon Intact MINT Monarch Premier Marine RSA South Western Sovereign Special Risk Totten Trans Canada Trisura Universal Zurich

Employment Practices A M Fredericks ACE INA AXIS Berkley Can-Sure Catlin CHES Chesterfield Creechurch Echelon Encon Great American MINT Monarch Premier Marine RSA South Western Special Risk Totten Trans Canada Trisura TSW XL

Engineers A M Fredericks AXA Can-Sure Catlin Central Chesterfield Creechurch Elliott Encon MINT Monarch N G Williams Pratt Lambert & Brown South Western Special Risk Totten Trans Canada Universal Zurich

Environmental Consultants A M Fredericks Berkley Can-Sure Catlin Central CHES

Chesterfield Chutter Creechurch Elliott Encon MINT N G Williams Pratt Lambert & Brown Premier Marine South Western Special Risk Totten Trans Canada Trisura TSW Universal XL Zurich

Excess E&O, Malpractice And/Or Professional Liability A M Fredericks ACE INA Aviva Berkley Can-Sure Catlin CHES Chesterfield Creechurch Echelon Elliott Encon Monarch N G Williams Pratt Lambert & Brown South Western Special Risk Totten Trans Canada Trisura TSW XL

Executors And Trustees ACE INA Berkley Can-Sure Chesterfield Guarantee Company South Western Trans Canada Trisura

Fiduciary ACE INA AXA AXIS Berkley Chesterfield Creechurch Encon Guarantee Company Monarch South Western Special Risk Totten

Trans Canada Trisura TSW Zurich

Film Producers

AXIS Chesterfield Encon Pratt Lambert & Brown Premiere Insurance South Western Special Risk Totten TSW Unionville

Franchiser

A M Fredericks Central Chesterfield MINT Trisura

Freight Forwarders A M Fredericks Atlantic Marine Aviva Berkley Catlin Central Chesterfield Chutter Elliott MINT Pratt Lambert & Brown Premier Marine South Western Trisura TSW Universal

Graphic Design

A M Fredericks AXIS Berkley Can-Sure Catlin Central Chesterfield Elliott Encon Pratt Lambert & Brown Premier Marine RSA South Western Special Risk Totten Trans Canada Trisura Universal

Hairdressers, Barbers And Beauty Shops A M Fredericks ACE INA Aviva AXA Berkley Can-Sure Chesterfield Echelon

continues on page 28

CANADIAN UNDERWRITER INSURANCE MARKETER JULY 2009

08/07/09 12:44 PM

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Economical Elliott Grain Intact Pratt Lambert & Brown Premier Marine RSA South Western Sovereign Special Risk Thorah Totten Trans Canada Wawanesa

Health Clubs

A M Fredericks Aviva Can-Sure Chesterfield Elliott Guardian Risk K&K MINT N G Williams Pratt Lambert & Brown Premier Marine Premiere Insurance RSA South Western Special Risk Totten Trans Canada Universal

Hospital Executives Can-Sure Chesterfield Encon Frank Cowan MINT Pratt Lambert & Brown South Western Totten

Hospital Personnel A M Fredericks Chesterfield Encon Frank Cowan MINT N G Williams Pratt Lambert & Brown South Western Totten Trans Canada

IPO

Chesterfield Encon Great American Pratt Lambert & Brown

Independent Schools A M Fredericks ACE INA Aviva AXA Berkley Catlin Chesterfield Frank Cowan 28 MKT

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Pratt Lambert & Brown RSA South Western Sovereign Special Risk Totten Trans Canada Trisura Universal

Insurance Brokers/Agents A M Fredericks ACE INA AXIS Beacon Can-Sure Central CG&B Professional Liability CHES Chesterfield Echelon Elliott Encon MINT Monarch N G Williams South Western Special Risk Totten Trans Canada Trisura TSW Universal

Internet Service Provider A M Fredericks ACE INA AXIS Berkley Can-Sure Central Chesterfield Encon Pratt Lambert & Brown Premier Marine South Western Special Risk Totten Trans Canada Trisura TSW Universal Zurich

Investment Counselors AXA AXIS Can-Sure Central Chesterfield Special Risk Trisura TSW Universal

Investment Managers

AXIS Chesterfield Special Risk Trans Canada Trisura Universal

AXIS Can-Sure Chesterfield Special Risk Trans Canada Trisura TSW Universal XL

Interior Designers

Joint Ventures

Insurers

A M Fredericks AXA AXIS Berkley Can-Sure Catlin Central Chesterfield Chutter Creechurch Echelon Elliott Encon Intact MINT Monarch N G Williams Pratt Lambert & Brown Premier Marine RSA South Western Sovereign Special Risk Totten Trans Canada Universal

Chesterfield Elliott Encon Pratt Lambert & Brown Special Risk Trisura

Special Risk Totten Trans Canada Trisura Universal

Landscape Architects A M Fredericks AXA Can-Sure Catlin Central Chesterfield Creechurch Elliott Encon MINT Monarch N G Williams Pratt Lambert & Brown RSA South Western Special Risk Totten Trans Canada Universal Zurich

Law Enforcement Officers A M Fredericks Chesterfield Trans Canada

Lawyers AXIS Can-Sure Catlin Chesterfield Encon N G Williams Special Risk Trans Canada Trisura TSW Universal XL

Legal Expense

Land Surveyors

Sterlon

A M Fredericks AXA Berkley Can-Sure Catlin Central CHES Chesterfield Creechurch Elliott Encon MINT Monarch N G Williams Pratt Lambert & Brown Premier Marine RSA South Western Sovereign

Liability Insurance A M Fredericks ACE INA AXA AXIS Berkley Catlin Chesterfield Creechurch Encon Guardian Risk Monarch South Western Special Risk Totten Trans Canada Trisura Zurich

CANADIAN UNDERWRITER INSURANCE MARKETER JULY 2009

08/07/09 12:45 PM

Auditors

Media professional Sports equipment Manufacturing Risk managers Clinical trials

US Product liability

Labs

Snowboards Trustees

Complementary healthcare

Computer services Bookkeepers Clinics Blood banks

Acupuncturists

Public relations consultants Swimming pools

At MINT Canadian Specialty, our philosophy is to provide innovative solutions and quality service to our brokers and policyholders. We offer a wide range of products covering errors and omissions, allied healthcare, products liability, medical malpractice and employment practices liability. Our financial strength is proven by our independent ‘A’ rating from A.M.Best which we believe puts us in a strong position as a quality insurance provider.

For further information contact: MINT CANADIAN SPECIALTY 145 King Street East, 5th Floor, Toronto, Ontario M5C 2Y7 Tel: 416-360-MINT (6468) www.mcsu.ca

MINT Canadian Specialty is an agent of Lloyd’s of London and works through a select number of appointed brokers.

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SEE PAGES 70-74 FOR COMPANY CONTACT INFORMATION Life Agents Professional

Marine Architects

ACE INA Can-Sure Chesterfield Echelon Special Risk Trans Canada Trisura

A M Fredericks Can-Sure Catlin Central Creechurch Elliott Encon HUD N G Williams Pratt Lambert & Brown South Western Special Risk Totten

Management Consultants A M Fredericks ACE INA AXA AXIS Berkley Can-Sure Catlin Central Chesterfield Chutter Creechurch Elliott Encon MINT Monarch Pratt Lambert & Brown Premier Marine RSA South Western Sovereign Special Risk Totten Trans Canada Trisura Zurich

Manicurist, Esthetician, Electrolysis A M Fredericks Aviva Berkley Can-Sure Chesterfield Creechurch Elliott Grain Intact N G Williams Pratt Lambert & Brown Premier Marine Premiere Insurance RSA South Western Special Risk Thorah Totten Wawanesa

Manufactures A M Fredericks Berkley Chesterfield Creechurch Elliott MINT N G Williams Pratt Lambert & Brown RSA South Western Special Risk Trans Canada 30 MKT

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Martial Arts Studio Creechurch Premier Marine RSA Special Risk

Medical A M Fredericks AXA Berkley Can-Sure Chesterfield Creechurch Echelon Elliott Encon Frank Cowan Guardian Risk MINT N G Williams Pratt Lambert & Brown South Western Special Risk Totten Trans Canada TSW

Trans Canada Trisura TSW Universal Zurich

Municipal Architects, Engineers A M Fredericks Catlin Central Chesterfield Creechurch Encon MINT Monarch Pratt Lambert & Brown South Western Totten Trans Canada Universal

Mutual Fund Dealers AXA AXIS Chesterfield South Western Trans Canada Trisura

Mutual Funds Managers AXIS Chesterfield South Western Trisura

New Home Warranty Program Bonds A M Fredericks Chesterfield Echelon Trisura

Non-Destructive Testing

Ministers And Pastors

Chutter

ACE INA Aviva Berkley Chesterfield Chutter Elliott Grain N G Williams Pratt Lambert & Brown RSA South Western Totten Trans Canada Trisura

Non-Profit Organizations, Directors & Officers

Multimedia Companies A M Fredericks AXIS Catlin Central Chesterfield Elliott Encon Pratt Lambert & Brown Premiere Insurance South Western Totten

A M Fredericks ACE INA Aviva AXA AXIS Berkley Catlin CHES Chesterfield Creechurch Echelon Encon Frank Cowan Great American Guarantee Company Guardian Risk Intact N G Williams Pratt Lambert & Brown Premier Marine Premiere Insurance RSA South Western Sovereign Special Risk

Totten Trans Canada Trisura TSW Universal XL Zurich

Opticians

A M Fredericks Aviva AXA Berkley Can-Sure Chesterfield Creechurch Echelon Economical Elliott Encon Grain Intact MINT Monarch N G Williams Pratt Lambert & Brown RSA South Western Sovereign Special Risk Totten Trans Canada Universal

Optometrists

A M Fredericks Aviva AXA Can-Sure CHES Chesterfield Creechurch Echelon Elliott Encon Grain Intact MINT Monarch N G Williams Pratt Lambert & Brown RSA South Western Sovereign Special Risk Totten Trans Canada Universal

Orthopedists

A M Fredericks AXA Can-Sure Chesterfield Creechurch Echelon Elliott Encon MINT N G Williams Pratt Lambert & Brown continues on page 32

CANADIAN UNDERWRITER INSURANCE MARKETER JULY 2009

08/07/09 12:46 PM

Sovereign General Canadian Unerwriter Full Page 8.125â&#x20AC;? x 10.875â&#x20AC;? plus bleed Lure Advertising

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South Western Special Risk Totten Trans Canada Universal

Patent And Trademark Agents ACE INA Berkley Catlin Chesterfield Encon MINT Pratt Lambert & Brown South Western Trans Canada Trisura Zurich

Penal Defence Cost Chesterfield Guarantee Company Trisura

Pension Consultants AXIS Can-Sure Chesterfield Encon Pratt Lambert & Brown Premier Marine Special Risk Trans Canada Trisura

Pension Trusts

Chesterfield Pratt Lambert & Brown Trans Canada

Personal Trainer A M Fredericks Berkley Can-Sure Chesterfield Creechurch Encon Premier Marine RSA South Western Special Risk Totten Trans Canada

Pharmacists

Aviva AXA Can-Sure Chesterfield Economical Elliott Encon Intact MINT Monarch N G Williams Pratt Lambert & Brown RSA South Western Special Risk Totten Trans Canada Universal 32 MKT

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Pollution Consultants A M Fredericks Can-Sure Catlin CHES Chesterfield Creechurch Elliott Encon MINT Monarch Pratt Lambert & Brown Premier Marine South Western Totten Trans Canada TSW XL Zurich

Premium Financing Companies Chesterfield Encon MINT Special Risk Totten

Printers A M Fredericks ACE INA Aviva AXA AXIS Berkley Can-Sure Central Chesterfield Elliott Encon Intact MINT Pratt Lambert & Brown RSA South Western Sovereign Special Risk Totten Trans Canada Trisura TSW Universal

Privacy Compliance Berkley Chesterfield MINT Pratt Lambert & Brown Special Risk Trisura Zurich

Private Investigators A M Fredericks Aviva Central CHES Chesterfield Elliott Encon

Premier Marine South Western Special Risk Totten Trans Canada Trisura

Project Managers A M Fredericks ACE INA Can-Sure Catlin Central Chesterfield Chutter Creechurch Elliott Encon MINT Monarch N G Williams Pratt Lambert & Brown Premier Marine RSA South Western Special Risk Totten Trans Canada Trisura Universal Zurich

Property Managers A M Fredericks ACE INA AXA Berkley Can-Sure Catlin Central CHES Chesterfield Chutter Creechurch Elliott HUD Intact MINT Monarch Pratt Lambert & Brown Premier Marine RSA South Western Sovereign Special Risk Totten Trans Canada Trisura TSW Universal Zurich

Psychiatrists Can-Sure Chesterfield Creechurch Elliott Encon MINT Monarch N G Williams

Pratt Lambert & Brown South Western Special Risk Totten

Psychologists AXA Can-Sure Chesterfield Creechurch Elliott Encon Intact MINT Monarch N G Williams Pratt Lambert & Brown RSA South Western Special Risk Totten Trisura

Public Officials Liability Can-Sure Chesterfield Frank Cowan South Western Special Risk Trans Canada

Public Relations & Promotions A M Fredericks AXA Berkley Can-Sure Central Chesterfield Chutter Creechurch Premier Marine RSA Special Risk Trans Canada Trisura Zurich

Publishers A M Fredericks ACE INA AXIS Berkley Can-Sure Chesterfield Elliott Encon MINT Monarch N G Williams Pratt Lambert & Brown Premiere Insurance South Western Sovereign Special Risk Totten Trans Canada Trisura Universal Zurich

CANADIAN UNDERWRITER INSURANCE MARKETER JULY 2009

08/07/09 12:46 PM

CHESTERFIELD FULL PAGE NEW!

6/29/09

11:46 AM

Page 1

At Chesterfield Canada Inc., a member of the Chesterfield Group, a Lloyd's accredited broker, we provide independent brokers a competitive advantage:

Fast efficient service ● Competitive commissions ● Over $5,000,000 of “In House” binding authority ●

SPECIALIZING IN: ● Non Standard Property ● Commercial Risks ● Diplomatic Properties ● Access to Lloyds for CGL, P.I., Technology ● Liquor License Supporting Your Growth and Success…

IN OTTAWA: Call Steve Kilrea or Tom Stanton Tel: (613) 237-3939 Fax: (613) 233-4334 WATS: 1-866-268-7334

IN TORONTO: Tel: 416-774-2477 Fax: 416-497-7581 WATS: 1-888-591-9125

www.chesterfieldcanada.com

We’re a young, friendly approachable team who welcome enquiries no matter how SMALL, LARGE or COMPLEX. p 09-69 prod list.indd 33

08/07/09 12:47 PM

SEE PAGES 70-74 FOR COMPANY CONTACT INFORMATION Quantity Surveyors A M Fredericks Catlin Central Chesterfield Elliott Encon MINT Monarch Pratt Lambert & Brown RSA South Western Special Risk Totten Trans Canada

Quasi-Medical A M Fredericks AXA Berkley Chesterfield Creechurch Elliott Encon MINT Monarch N G Williams Pratt Lambert & Brown RSA South Western Special Risk Totten Trans Canada Trisura Universal

Radiologists A M Fredericks Berkley Chesterfield Creechurch Elliott Encon MINT Monarch N G Williams Pratt Lambert & Brown Premier Marine South Western Totten Trans Canada Universal

Real Estate Agents ACE INA AXA Can-Sure Catlin Central Chesterfield MINT Monarch N G Williams Pratt Lambert & Brown Sovereign Special Risk Totten Trans Canada Trisura Zurich 34 MKT

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Reimbursement For Educational Institutions Chesterfield Echelon Trisura

Security Guards A M Fredericks Can-Sure Chesterfield Elliott Premier Marine South Western Special Risk Totten Trans Canada TSW Universal Zurich

Seed Cleaners

A M Fredericks Chesterfield Pratt Lambert & Brown Totten Trans Canada

Seedsmen

Central Chesterfield Pratt Lambert & Brown South Western Totten Trans Canada

Single Projects A M Fredericks Can-Sure Catlin Chesterfield Encon N G Williams Totten Trans Canada Trisura Universal

Social Workers

A M Fredericks AXA Berkley Chesterfield Elliott Encon Intact MINT Monarch Pratt Lambert & Brown RSA South Western Totten Trans Canada Trisura Universal

Software/Hardware Developers ACE INA Berkley Can-Sure Central Chesterfield Creechurch

Elliott Encon HUD MINT Pratt Lambert & Brown Premier Marine Premiere Insurance South Western Special Risk Totten Trans Canada TSW Universal Zurich

Sprinkler And Fire Protection Installers A M Fredericks Berkley Can-Sure CHES Chesterfield Elliott MINT Premier Marine South Western Special Risk Totten Trans Canada TSW

Stock Transfer Agents Berkley Chesterfield South Western Zurich

Stockbrokers Berkley Chesterfield Special Risk

Suntanning Salons A M Fredericks Chesterfield Echelon Elliott Guardian Risk Pratt Lambert & Brown Premier Marine South Western Special Risk Thorah Totten Trans Canada Wawanesa

Tattoo and Body Piercing A M Fredericks Chesterfield South Western Special Risk Trans Canada Wawanesa

Telecommunications Zurich

Telephone Answering Services A M Fredericks ACE INA Aviva Berkley

Can-Sure Catlin Central CHES Chesterfield Creechurch Elliott Encon Intact MINT RSA South Western Special Risk Totten Trans Canada Trisura Zurich

Theological Counselors A M Fredericks AXA Berkley Can-Sure Catlin Chesterfield Elliott Intact Pratt Lambert & Brown South Western Totten Trisura

Title Abstractors A M Fredericks ACE INA Aviva AXA Berkley Chesterfield Elliott Encon RSA Trisura

Town Planners Catlin Central Chesterfield Elliott Encon Premier Marine Trisura

Translators A M Fredericks ACE INA AXA Berkley Can-Sure Catlin Central Chesterfield Chutter Creechurch Elliott Encon Intact MINT Pratt Lambert & Brown RSA continues on page 36

CANADIAN UNDERWRITER INSURANCE MARKETER JULY 2009

08/07/09 12:47 PM

Eco Insurance FINAL AD

7/7/09

10:01 AM

Page 1

Looking for competitive

Ecoinsurance? At ecoinsurances we specialise in providing the best, most cost-effective insurance solutions for the renewable energy industry, in an increasingly competitive insurance market, with in excess of 9,000 mega watts of power plants insured through us worldwide.

Explore your options with ecoinsurances, part of independent Lloyd’s broker the Chesterfield Group, because however large, small or complex your risk we’ll find the best solution.

Insurance Solutions for the Renewable Energy Industry

• Solar Power • Biomass • Hydro Electric • Photo Voltaic • Wind Turbines

ecoinsurances is a division of Chesterfield Insurance Brokers Limited, authorised and regulated by the Financial Services Authority (FSA). Our FSA register number is 309345.

TO DISCOVER HOW WE CAN HELP CONTACT: Gary Hirst, Managing Director ghirst@ecoinsurances.com Tel: 011 44 207 481 1683 Offices in Europe, Canada and United States of America

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South Western Sovereign Totten Trans Canada Trisura

Travel Agents

A M Fredericks ACE INA AXA Berkley Can-Sure Catlin Central Chesterfield Creechurch Echelon Elliott Intact MINT Monarch N G Williams Pratt Lambert & Brown Premier Marine RSA South Western Sovereign Special Risk Totten Trans Canada Trisura Universal Zurich

Trust Companies Chesterfield Special Risk Zurich

Trust Funds Chesterfield

Trustee In Bankruptcy A M Fredericks AXA Berkley Catlin Central Chesterfield South Western

U.S. Exposures

Berkley Catlin Chesterfield Creechurch Elliott N G Williams Pratt Lambert & Brown South Western Special Risk Totten Trans Canada TSW Universal XL Zurich

Umbrella

A M Fredericks ACE INA Aviva 36 MKT

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Can-Sure Catlin Chesterfield Creechurch Monarch N G Williams Pratt Lambert & Brown RSA South Western Totten Trans Canada TSW XL Zurich

Elliott HUD Peace Hills RSA South Western Special Risk Trans Canada Wawanesa

Greenhouses

Aqua Farms

Hobby Farms

Venture Capital

Aviva AXA Beacon Echelon Economical HUD Peace Hills South Western Totten Trans Canada Wawanesa

AXA Chesterfield Pratt Lambert & Brown Special Risk Trisura

Veterinarian A M Fredericks Aviva AXA Can-Sure Catlin Central Chesterfield Creechurch Echelon Economical Elliott Encon Equine Guardian Risk Intact MINT Pratt Lambert & Brown RSA South Western Sovereign Totten Trans Canada Universal Wawanesa

Website Security A M Fredericks Berkley Can-Sure Catlin Chesterfield Creechurch Pratt Lambert & Brown Premier Marine South Western Special Risk Universal Zurich

FARMING Agricultural Machinery Aviva AXA Beacon Berkley Chutter Echelon Economical

Beacon Berkley N G Williams

Cattle Farm

Crops, Standing Grain AXA

Crops, Tobacco AXA South Western

Crops, Vegetables AXA Chutter Special Risk Wawanesa

Equestrian Beacon K&K Totten TSW

Family Farm Package Aviva AXA Economical HUD Peace Hills RSA Special Risk Totten Trans Canada Wawanesa

Farmer Disability L.J. Gosselin Trans Canada

Grain Farm Aviva AXA Berkley Echelon HUD Peace Hills Totten Trans Canada Wawanesa

ACE INA Berkley Can-Sure HUB South Western Special Risk Trans Canada Aviva AXA Beacon Echelon Economical Equine HUD Peace Hills South Western Special Risk Totten Trans Canada Universal Wawanesa

Hog Farms AXA Beacon Berkley Economical HUD South Western Totten Trans Canada Wawanesa

Milk Farm/Dairy Farm Aviva AXA Beacon Chutter Echelon Economical HUD South Western Totten Trans Canada Wawanesa

Ostrich Farm AXA Beacon Berkley Echelon South Western Trans Canada Wawanesa

Poultry Farm Aviva AXA Beacon Chutter Economical HUD South Western Totten Trans Canada Wawanesa

Silva Farms Peace Hills

CANADIAN UNDERWRITER INSURANCE MARKETER JULY 2009

08/07/09 12:48 PM

Your Specialty Broker!

• • • • • • • •

HLL & Special Events Liability Exhibitor Liability Contents in Storage Weddinguard Server Liability Event Cancellation ATM, VLT & Vending Machines Prize Indemnity - NEW!

Make sure your clients have their PAL at their next event. For more information, give us a call. Calgary, Alberta Simcoe, Ontario Head Office Branch Office Toll Free: 1-800-661-1608 Toll Free: 1-800-265-8098 Fax: 403-261-3903 Fax: 519-428-5661

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09/07/09 7:00 AM

SEE PAGES 70-74 FOR COMPANY CONTACT INFORMATION Standing Timber Berkley

Substandard Risk A M Fredericks Beacon Can-Sure South Western Special Risk Totten Trans Canada Underwriting Contract

FINANCIAL/LEGAL Accounts Receivable A M Fredericks AXA Can-Sure Elliott Guarantee Company South Western Special Risk Trans Canada Wawanesa Zurich

Armored Car CHES Trans Canada XL

Bailee’s Customers AXA Can-Sure Wawanesa Zurich

Credit Insurance Guarantee Company Totten Trans Canada TSW William J. Sutton

Judicial Delay Cover L.J. Gosselin William J. Sutton

Legal Expense Insurance Echelon Sterlon Totten

Life And Disability Creditor Lease Echelon L.J. Gosselin

Mortgage Can-Sure

Mortgage Broker Can-Sure Guardian Risk Special Risk

Mortgage Impairment Can-Sure South Western Totten Trans Canada TSW 38 MKT

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Private School Tuition Fee Can-Sure Echelon L.J. Gosselin Trans Canada William J. Sutton

Safety Deposit Vault And Valuable Papers AXA XL Zurich

Shareholders Lost Instrument CNA Guarantee Company Trisura

Title Insurance

Travelers Guarantee

FINE ARTS A M Fredericks Aviva AXA Chesterfield Elliott N G Williams Premiere Insurance South Western Special Risk Totten Trans Canada William J. Sutton XL

FLOATERS Camera Floater A M Fredericks Atlantic Marine Aviva AXA Beacon Can-Sure Elliott N G Williams Premiere Insurance Special Risk Unionville Wawanesa

Consignment Floater Elliott XL

Contractor’s Equipment A M Fredericks Atlantic Marine Aviva AXA Beacon Can-Sure Catlin Central CNA Echelon Economical Elliott Guardian Risk HUD Intact Kingsway

N G Williams Peace Hills RSA South Western Special Risk Totten Trans Canada Universal Wawanesa Zurich

Exhibition Floater A M Fredericks Atlantic Marine AXA Beacon Can-Sure Catlin Central Elliott Guardian Risk HUD Intact Kingsway N G Williams Peace Hills RSA South Western Special Risk Trans Canada Wawanesa XL Zurich

Installation Floater A M Fredericks Aviva AXA Beacon Can-Sure Central CNA Echelon Economical Elliott Guardian Risk HUD Intact N G Williams Peace Hills RSA South Western Sovereign Trans Canada Universal Wawanesa Zurich

Miscellaneous Property Floater A M Fredericks Aviva AXA Beacon Can-Sure Catlin Central Echelon Economical Elliott Guarantee Company

Guardian Risk HUD Intact PAL Peace Hills Premier Marine RSA South Western Special Risk Trans Canada Universal Wawanesa Zurich

Timber Floater A M Fredericks Elliott South Western

Transportation Floater A M Fredericks Atlantic Marine AXA Can-Sure Catlin Central CNA Echelon Economical Elliott Intact N G Williams Special Risk Trans Canada Wawanesa Zurich

Vending Machine Floater A M Fredericks AXA Can-Sure Central Elliott PAL Special Risk

Woodland Equipment Floaters A M Fredericks AXA N G Williams RSA South Western Totten Trans Canada Underwriting Contract

GENERAL LIABILITY Abuse/Molestation AXA Berkley Elliott RSA South Western Trans Canada

Ad Agency

A M Fredericks AXA Can-Sure Creechurch Elliott continues on page 40

CANADIAN UNDERWRITER INSURANCE MARKETER JULY 2009

08/07/09 12:49 PM

I help my clients plan for a secure future and have the best ally to achieve their goals!

At AXA, we have a dream: to become the preferred company. Thatâ&#x20AC;&#x2122;s why we offer our brokers and their clients the best solutions for meeting their financial protection needs. Our solid expertise and comprehensive line of products including Auto, Home, Commercial, Art, Surety, Marine, Critical Illness and Life Insurance enable our brokers and clients to achieve their goals and to plan for a secure future. Every day, we renew our commitment by being attentive, reliable and available. AXA and our brokers: partners in our clientsâ&#x20AC;&#x2122; dreams and success!

www.axa.ca

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Encon Kingsway South Western

Advertiser A M Fredericks Can-Sure Creechurch Elliott Kingsway South Western Special Risk Totten

Agri-Commercial A M Fredericks ACE INA AXA AXIS Berkley Can-Sure Echelon Economical Elliott Special Risk Totten Trans Canada

Amusement Devices A M Fredericks Beacon Berkley Elliott Grain K&K Special Risk

Amusement Parks A M Fredericks Beacon Berkley Elliott Grain K&K Premier Marine Special Risk TSW Universal

Bingo Halls A M Fredericks Beacon Berkley Catlin CHES Guardian Risk Premiere Insurance Trans Canada

Broadcaster ACE INA Can-Sure Elliott Kingsway Premiere Insurance South Western Totten Trans Canada TSW Unionville 40 MKT

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Cablecaster

ACE INA Can-Sure Elliott Kingsway Premiere Insurance South Western Totten Trans Canada Unionville

Care, Custody And Control A M Fredericks Equine Special Risk Totten

Carnival And Circus A M Fredericks AXA Berkley Elliott Grain K&K Premier Marine Premiere Insurance Special Risk

Casinos

A M Fredericks Berkley Can-Sure Catlin Chutter Premiere Insurance Totten Trans Canada

Caterers

A M Fredericks Berkley Can-Sure Catlin CHES Kingsway Peace Hills

Church

A M Fredericks ACE INA AXA Berkley Can-Sure Grain Peace Hills RSA South Western Special Risk Totten Universal Wawanesa

Clubs And Community Associations A M Fredericks ACE INA Aviva AXA Beacon Berkley Can-Sure Central CHES

Chutter Creechurch Echelon Elliott Frank Cowan Guarantee Company Guardian Risk HUD Intact K&K Premier Marine Premiere Insurance RSA South Western Special Risk Sutton Sportscover Totten Trans Canada Universal Wawanesa

Computer Professionals A M Fredericks ACE INA Can-Sure Catlin Central CHES Chesterfield CNA Creechurch Echelon Encon Genmark Guardian Risk HUD Pratt Lambert & Brown South Western Sovereign Special Risk Totten Trans Canada

Computer Retailers A M Fredericks ACE INA Aviva AXA Berkley Can-Sure Catlin Central CHES Chesterfield Chutter Creechurch Guardian Risk Kingsway RSA Special Risk Trans Canada Universal

Concerts A M Fredericks AXA Beacon Berkley Central CHES Creechurch

Echelon Elliott Grain K&K Kingsway PAL Premier Marine Premiere Insurance South Western Special Risk Totten Universal

Contractors A M Fredericks ACE INA Aviva AXA AXIS Beacon Can-Sure Central CHES Chutter CNA Creechurch Echelon Economical Elliott Encon Genmark Guardian Risk HUD Intact Kingsway Monarch N G Williams Peace Hills RSA South Western Sovereign Special Risk Totten Trans Canada TSW Universal Wawanesa XL Zurich

Contractors, All US Risks Can-Sure Chesterfield CNA Special Risk Totten TSW XL

Contractors, Blasting A M Fredericks AXA Berkley Can-Sure Catlin Central Chesterfield Chutter Creechurch Elliott continues on page 42

CANADIAN UNDERWRITER INSURANCE MARKETER JULY 2009

08/07/09 12:49 PM

ÜÜÜ°}À> ÃÕÀ> Vi°V

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08/07/09 12:50 PM

SEE PAGES 70-74 FOR COMPANY CONTACT INFORMATION continued from page 40

Encon Kingsway N G Williams Pratt Lambert & Brown RSA Special Risk Totten Zurich

Contractors, Demolition A M Fredericks Aviva AXA Berkley Can-Sure Catlin Central Chesterfield Chutter Creechurch Elliott Encon HUD Kingsway N G Williams RSA South Western Special Risk Totten Trans Canada Zurich

Contractors, Landscapers A M Fredericks Aviva Beacon Berkley Can-Sure Catlin Central CHES Chesterfield Chutter Creechurch Echelon Elliott Encon Genmark Guardian Risk Intact Kingsway N G Williams Peace Hills Pratt Lambert & Brown RSA South Western Special Risk Totten Trans Canada Wawanesa Zurich

Contractors, Remediation Can-Sure Catlin CHES Chesterfield Elliott Encon N G Williams 42 MKT

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South Western Special Risk Totten Trans Canada Zurich

Contractors, Roofing A M Fredericks Can-Sure Catlin Central Chesterfield Chutter CNA Echelon Genmark Guardian Risk Kingsway N G Williams Pratt Lambert & Brown South Western Special Risk Totten Trans Canada TSW Zurich

Contractors, Spraying A M Fredericks Aviva Can-Sure Catlin Central Chesterfield Creechurch Echelon Elliott Encon Pratt Lambert & Brown RSA Special Risk Totten Trans Canada Zurich

Crane Rentals A M Fredericks AXIS Berkley Can-Sure Chesterfield Chutter Creechurch Kingsway RSA Special Risk Trans Canada

Credit Unions Creechurch HUD RSA Zurich

Dance Studios A M Fredericks AXA Berkley Creechurch Echelon Guardian Risk K&K

Kingsway Peace Hills Premier Marine Premiere Insurance RSA South Western Special Risk Totten Trans Canada TSW

Day Nurseries A M Fredericks AXA Berkley Creechurch Elliott Frank Cowan Guardian Risk Intact RSA Special Risk Totten Trans Canada Wawanesa

Demolition Derby

Elliott Encon Special Risk Totten Trans Canada TSW XL Zurich

Equestrian

Aviva AXA Echelon Equine K&K South Western Special Risk Totten TSW

Equestrian, Group AXA Echelon K&K Totten TSW

Equestrian, Schools

Beacon K&K Premiere Insurance Special Risk Totten

AXA Echelon K&K Totten TSW

Employment Practices Liability

Esthetics

A M Fredericks Can-Sure Creechurch Echelon South Western Totten Trans Canada TSW XL Zurich

Entertainment A M Fredericks Beacon Berkley Central Creechurch Elliott Grain K&K Kingsway Premier Marine Premiere Insurance South Western Special Risk Trans Canada TSW Unionville Universal

Environmental Contractors A M Fredericks ACE INA Can-Sure Catlin Central Chesterfield

A M Fredericks Aviva Can-Sure Chesterfield Creechurch Guardian Risk Premier Marine Premiere Insurance RSA South Western Special Risk Totten Wawanesa

Event Planners A M Fredericks Berkley Central Kingsway PAL Premier Marine Premiere Insurance RSA

Excess Liability A M Fredericks ACE INA Aviva AXIS Beacon Berkley Can-Sure Catlin Central CHES Chesterfield Chutter CNA

continues on page 44

CANADIAN UNDERWRITER INSURANCE MARKETER JULY 2009

08/07/09 12:50 PM

Serving: Alberta • British Columbia • Manitoba • Saskatchewan

• Professional Liability Miscellaneous Classes • Medical & Health Care Providers Professional Liability • Architects & Engineers Professional Liability • Design Consultants Errors & Omissions

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• Travel Agents Package Including E&O • Claims Adjusters Package Including E&O • Excess & Umbrella Liability • Subscription Property Participation • Commercial General Liability • High Value Dwellings & Automobiles

• Directors & Officers Liability • Builders Risk COC • Commercial Property & Casualty for Commercial & Industrial • Motor Truck Cargo • Auto Physical Damage

08/07/09 12:50 PM

SEE PAGES 70-74 FOR COMPANY CONTACT INFORMATION continued from page 42

Creechurch Echelon Elliott Genmark Kingsway Monarch N G Williams Premiere Insurance RSA South Western Special Risk Sutton Sportscover Totten Trans Canada TSW XL Zurich

Explosives And Powderman A M Fredericks Berkley Central Elliott Kingsway N G Williams Special Risk

Farm A M Fredericks Aviva AXA Beacon Berkley Creechurch Echelon Economical HUD Peace Hills RSA South Western Special Risk Totten Trans Canada Wawanesa

Feed Mills A M Fredericks ACE INA Berkley Can-Sure Catlin Elliott RSA Special Risk Trans Canada Zurich

Festivals A M Fredericks Aviva Beacon Berkley Creechurch Guardian Risk K&K Kingsway PAL Premier Marine Premiere Insurance South Western 44 MKT

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Special Risk Totten TSW Universal

Fireworks Display A M Fredericks Beacon Berkley Elliott Premiere Insurance South Western Special Risk

Fish Farms A M Fredericks Berkley RSA Special Risk

Fitness Trainers A M Fredericks Aviva Berkley Chesterfield Creechurch Elliott Guardian Risk K&K Premier Marine Premiere Insurance RSA South Western Special Risk Sutton Sportscover Totten

Garage Dealers A M Fredericks Aviva AXA Berkley Chutter Creechurch Genmark Kingsway Peace Hills Special Risk Totten Zurich

Garbage Collection A M Fredericks Berkley Can-Sure Catlin Central Chesterfield Chutter Creechurch Elliott Kingsway RSA Special Risk Totten Trans Canada Zurich

Group Term Life William J. Sutton

Hanger Keepers Catlin South Western Special Risk Trans Canada XL

Health Clubs/ Fitness Centres A M Fredericks Aviva AXA Can-Sure Central Chutter Creechurch Elliott Guardian Risk HUD K&K N G Williams Premier Marine Premiere Insurance South Western Special Risk Totten

Hoisting Engineers A M Fredericks Berkley Central Chesterfield Creechurch Encon Kingsway Special Risk Trans Canada

Hospital Encon Frank Cowan Guarantee Company Special Risk Totten

Host Liquor A M Fredericks Beacon Berkley Can-Sure Catlin Central CHES Chesterfield Echelon PAL Premier Marine Premiere Insurance Special Risk Sutton Sportscover Trans Canada Universal

Industrial Electricians A M Fredericks Aviva Beacon Berkley Can-Sure Catlin Central Chutter

Creechurch Elliott Intact Kingsway RSA Special Risk Totten Trans Canada Zurich

Intellectual Property Encon South Western Special Risk Trans Canada TSW

Internet

A M Fredericks Central Creechurch Encon Premiere Insurance South Western Special Risk Totten Trans Canada

Kennels

A M Fredericks AXA Beacon Berkley Can-Sure Creechurch Guardian Risk Kingsway RSA Special Risk Totten Trans Canada

Landfill Transfer Stations A M Fredericks Beacon Can-Sure Chesterfield Chutter Echelon Elliott Special Risk Totten Trans Canada XL Zurich

Laser Treatments A M Fredericks Chesterfield Creechurch Premier Marine South Western Special Risk

Liquor, Bars And Clubs A M Fredericks Beacon Berkley Can-Sure Central CHES Chesterfield Chutter

continues on page 46

CANADIAN UNDERWRITER INSURANCE MARKETER JULY 2009

08/07/09 12:51 PM

CSS_Full_Page_Ad_v10

5/14/09

8:47 AM

Page 1

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www.cunninghamlindsey.com

08/07/09 12:51 PM

SEE PAGES 70-74 FOR COMPANY CONTACT INFORMATION continued from page 44

Echelon Genmark Premier Marine Special Risk Totten Trans Canada Universal

Liquor, Retail Sales A M Fredericks AXA Beacon Berkley Can-Sure Catlin Central CHES Chutter Echelon RSA Special Risk Totten Trans Canada Universal Wawanesa

Log Home Builders A M Fredericks Berkley Can-Sure Catlin Central Chesterfield Chutter Creechurch Elliott Guardian Risk Kingsway N G Williams RSA Special Risk Trans Canada Universal

Logging

A M Fredericks Aviva AXA Berkley Can-Sure Central Chutter Creechurch Elliott Kingsway N G Williams RSA South Western Special Risk Totten Trans Canada Underwriting Contract

Long Term Healthcare Facilities A M Fredericks Creechurch Encon Frank Cowan Guarantee Company Guardian Risk RSA 46 MKT

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South Western Special Risk Totten Trans Canada Zurich

Manufacturing, Hazardous Materials A M Fredericks ACE INA AXIS Berkley Can-Sure Catlin Central Chesterfield Chutter Elliott Kingsway N G Williams RSA Sovereign Special Risk Totten Trans Canada Zurich

Marine A M Fredericks Atlantic Marine Aviva Beacon Central CNA N G Williams Premier Marine Special Risk Trans Canada TSW XL

Martial Arts Studio AXA Berkley Chutter Creechurch Elliott K&K Premier Marine Premiere Insurance South Western Special Risk Sutton Sportscover Totten

Massage A M Fredericks Aviva Berkley Central Chesterfield Creechurch Premier Marine RSA South Western Special Risk Wawanesa

Mining A M Fredericks AXIS Can-Sure

Central Chutter Creechurch Elliott Monarch Special Risk Totten Trans Canada XL Zurich

Motor Truck Cargo A M Fredericks Atlantic Marine Aviva AXA Beacon Can-Sure Central Chesterfield Chutter CNA Echelon Economical HUD Kingsway Markel N G Williams Peace Hills RSA South Western Special Risk Totten Trans Canada TSW Universal Zurich

Municipality

A M Fredericks Catlin CNA Frank Cowan Guarantee Company HUD Premiere Insurance Special Risk Totten Trans Canada TSW Zurich

Municipality, Small A M Fredericks Catlin Creechurch Frank Cowan Guarantee Company HUD Premiere Insurance Special Risk Totten Trans Canada TSW Zurich

Music Promoters A M Fredericks Beacon Berkley Central K&K

Premiere Insurance Special Risk TSW Universal

Nail Salons A M Fredericks Can-Sure Intact Peace Hills Premier Marine Premiere Insurance RSA South Western Special Risk Totten Wawanesa

Outfitters And Guides A M Fredericks Aviva AXA Beacon Chutter Echelon Elliott K&K Premiere Insurance South Western Special Risk Sutton Sportscover Totten Trans Canada Universal

Owner Occupied Dwellings A M Fredericks AXA Beacon Berkley Can-Sure Central Chesterfield Premier Marine RSA South Western Special Risk Universal Wawanesa

Oxygen Bars A M Fredericks Berkley South Western Special Risk

Permanent Make-Up A M Fredericks Aviva Premier Marine South Western Special Risk Wawanesa

PersonalTraining Studios A M Fredericks Aviva Berkley Creechurch Guardian Risk K&K Premier Marine Premiere Insurance

CANADIAN UNDERWRITER INSURANCE MARKETER JULY 2009

08/07/09 12:52 PM

SEE PAGES 70-74 FOR COMPANY CONTACT INFORMATION South Western Special Risk Totten

Premiere Insurance Special Risk Sutton Sportscover

Producer/Distributor Entertainment)

Radio And Television

A M Fredericks Creechurch K&K Premiere Insurance South Western Special Risk TSW Unionville

Protective Services A M Fredericks Aviva Can-Sure CHES Chesterfield Creechurch Elliott Premier Marine South Western Special Risk Totten Trans Canada

Racing Events A M Fredericks Beacon Berkley Central K&K

ACE INA Catlin Elliott Kingsway Premiere Insurance South Western TSW Unionville Zurich

Railways And Rail Operations Beacon Berkley Chutter Elliott Special Risk Totten Trans Canada TSW XL Zurich

Chesterfield Chutter Elliott Kingsway Special Risk Totten Trans Canada XL

Riding Academies/Stables

A M Fredericks Beacon Can-Sure Echelon Elliott K&K Kingsway Special Risk Trans Canada TSW

Beacon Echelon Equine K&K South Western Special Risk Totten TSW

Rodeos Beacon Grain PAL Premier Marine Special Risk

Recycling Centres

Scrap/Wrecking Yards

A M Fredericks AXIS Beacon Can-Sure Catlin Central

A M Fredericks Beacon Berkley Can-Sure Catlin Central

CANADIAN UNDERWRITER INSURANCE MARKETER JULY 2009

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CHES Chesterfield Chutter Creechurch Kingsway RSA Special Risk Totten Trans Canada XL

Seasonal Risks (Ski Lifts, Water Slides, Skating, Etc.)

Ship Repair A M Fredericks Atlantic Marine Beacon CNA N G Williams Premier Marine RSA South Western Special Risk Trans Canada XL

MKT 47

08/07/09 2:57 PM

SEE PAGES 70-74 FOR COMPANY CONTACT INFORMATION Short-Term Events (Sporting Events, Trade Shows) A M Fredericks AXA Beacon Central Creechurch Echelon Elliott Grain Guardian Risk K&K PAL Premier Marine South Western Special Risk Sutton Sportscover Totten TSW Universal

Small Commercial A M Fredericks Aviva AXA Beacon Berkley Can-Sure Catlin Central Chesterfield Creechurch Elliott Genmark Guardian Risk Intact Kingsway Monarch Peace Hills RSA South Western Special Risk Totten Trans Canada Wawanesa

Spas A M Fredericks Aviva Can-Sure Chesterfield Creechurch Elliott Guardian Risk Premier Marine Premiere Insurance RSA South Western Special Risk Thorah Totten Wawanesa

Special Events A M Fredericks AXA Beacon Berkley Central Creechurch Echelon 48 MKT

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Elliott Grain Guardian Risk K&K PAL Premier Marine Premiere Insurance South Western Special Risk Totten Trans Canada TSW Universal

Spectator Liability A M Fredericks AXA Beacon Berkley Central Elliott K&K PAL Premier Marine Premiere Insurance South Western Special Risk Sutton Sportscover Totten Trans Canada Universal

Suntanning Salons A M Fredericks Central Echelon Elliott Guardian Risk Premier Marine South Western Thorah Totten Trans Canada Wawanesa

Tattoo and Body Piercing A M Fredericks Echelon South Western Trans Canada Wawanesa

Theatre A M Fredericks Beacon Berkley K&K Premier Marine Premiere Insurance Special Risk Trans Canada TSW Universal

Berkley Can-Sure Catlin Central CHES Chutter CNA Creechurch Elliott Genmark Intact Kingsway N G Williams RSA Sovereign Special Risk Totten Trans Canada TSW Universal XL Zurich

K&K Special Risk Trisura

Veterinarians

Parapet Special Risk TSW Zurich

A M Fredericks Aviva AXA Berkley Creechurch Echelon Economical Encon Equine Guardian Risk RSA South Western Trans Canada Wawanesa

War Risks

William J. Sutton

Warehousemans’ A M Fredericks Atlantic Marine AXA Can-Sure Catlin Central Chesterfield CNA Creechurch Kingsway Markel RSA Special Risk Trans Canada Zurich

Water Theme Parks

Markel

A M Fredericks Elliott Grain K&K Special Risk TSW

US Sales

Wave Pools

Truckmen’s Liability

A M Fredericks ACE INA Aviva AXA AXIS

A M Fredericks Beacon Berkley Elliott Grain

Welding Contractors A M Fredericks Beacon Berkley Can-Sure Catlin Central Chesterfield Chutter CNA Creechurch Kingsway N G Williams RSA Special Risk Totten Trans Canada

Workers’ Compensation

Wrap Up A M Fredericks ACE INA Aviva AXA AXIS Berkley Can-Sure Catlin Central CHES Chutter CNA Encon Monarch N G Williams Premier Marine RSA South Western Sovereign Special Risk Totten Trans Canada TSW Universal XL Zurich

GROUP Accident Death And Dismemberment ACE INA Catlin Echelon L.J. Gosselin N G Williams Premiere Insurance Sutton Sportscover TIC Travel Trans Canada William J. Sutton

CANADIAN UNDERWRITER INSURANCE MARKETER JULY 2009

08/07/09 12:53 PM

SEE PAGES 70-74 FOR COMPANY CONTACT INFORMATION Automobile

L.J. Gosselin General Contractors L.J. Gosselin Premiere Insurance Aviva A M Fredericks There is still aTrans place,Canada however, for non• Unless there are exceptional circumTICcovered. Travel AXA • Be specific on the area to be William J. Sutton Group Creditor It should not be overly broad.Trans Canada stances, a restrictive covenant that seeks competition clauses to apply to employEconomical ACE INA Multi-National Benefits Intact • As for time periods, twoDirect prepared by insurance likely unenforce- ment agreements years Marketing is to limit competition is Echelon L.J. Gosselin RSA the maximum. The trial judge ACE in INAthe able in most instances; non-solicita- brokerages for their protection. The L.J.a Gosselin TIC Travel

Business Travel Accidentthat the practice Disability Staebler case concluded in

tion clause should be Health used instead. The

Echelonof a only type of exceptional circumstance ACE INA the insurance brokerage business Creechurch L.J. Gosselin Echelon Echelonwould be if that would appear to apply client becoming comfortable dealing Trans Canada L.J. Gosselin L.J. Gosselin the employee were a fiduciary and a senwith a new broker was approximately William J. Sutton Sutton Sportscover TIC Travel TIC Travel ior employee controlling the overall two years. Errors And Omissions Trans Canada Trans Canada Fredericks • The activity to be restrictedA M must be business of the brokerage. William J. Sutton William J. Sutton ACE INA specific and clear. As illustrated in the Homeowners Can-Sure Commercial above cases, the services beingCatlin restricted FINAL COMMENTS Aviva Echelon cannot be described, for example, as In the context of a standard AXA broker deCreechurch Economical Economical the Staebler parture from a brokerage — i.e. the broGrain “general insurance.” In fact, inEchelon Intact Encon Intact case, although the restricted activity was ker’s departure is followed by the deparRSA Intact Kingsway fairly specific to clients serviced by the ture of some of his or her clients from N G Williams Legal Benefits Premiere Insurance brokerage — a non-solicitation brokers, the Ontario Court Pratt of Appeal Lambert &the Brown Echelon Trans Canada clause is often toothless because of the found a way around that by postulating Sovereign Sterlon Critical Illness Sutton brokers have that if the brokers had left the fieldSportscover of nature of the connection Liability ACE INA Totten with their clients. As a result of this commercial insurance in which they Aviva Echelon Trans Canada Creechurch broker/client relationship, it is likely were servicing the clients, they would L.J. Gosselin Trisura Intact Premiere Insurance still be prohibited from dealing with that a broker would not have to engage Expatriate Premiere Insurance Trans Canada them for other insurance services ACE INAbe- in any form of solicitation to have clients Sutton Sportscover William J. Sutton damaging cause of the wording of the Echelon restrictive join the broker on departure, Trans Canada Dental Gosselin the business of the brokerage in covenant. This underlines theL.J.requireLife Echelon TIC Travel the bargain. William J. Sutton ACE INA Encon ment for being specific.

non-competition clause in Staebler was Excess close to beingPersonal workable, but itLiability was Aviva marred by having no geographical limit. Economical In addition, the Court of Appeal ruled a Private School Tuition prohibition against doing business with Fee Echelon a particular group of clients in the reL.J. Gosselin straining periodTrans wasCanada too broad. If the services provided to the client by the Stop-Loss (Health Benefits) broker are specifically defined, it is arEchelon guable that such a non-competition L.J. Gosselin clause would beRSA found to be reasonable in the future. Just to beInsurance safe, however, a Travel non-solicitationEchelon clause should always be included in employment L.J. Gosselin agreements with brokers. RSA TIC Travel 1 2009 SCC 6, [2009] B.C.W.L.D. 700 (“KRG”) Travel Underwriters 2 2004 BCCA 312, 30 B.C.L.R. (4th) 73 (C.A.) (“Valley First”)

Visitors to Canada Medical

3 2008 ONCA 576,Echelon 2008 C.L.L.C. 210-034 (C.A.), L.J. Gosselin leave to appeal refused 2009 CarswellOnt 816 RSA (S.C.C.) (“Staebler”) TIC Travel 4 [1978] S.C.R. 916 (“Elsley”) Travel Underwriters

The right partner can help you get a leg up on the competition. If you’re looking to make the most of your business opportunities, CNA is there for you with an industry-wide reputation for integrity, diversity, financial strength and customer focus. We offer brokers the resources and support to help them succeed. Global presence. Local underwriting authority. Financial strength and stability. When you want solid support for your business, we’re ready to give you a hand.

www.cnacanada.ca One or more of the CNA insurance companies underwrite the products and services described. Information is for illustrative purposes only and is not a contract. This document is intended to provide a general overview of products and services described. Remember that only the policy can provide the actual description, terms, conditions and exclusions. All coverages not available in all provinces. CNA, the OneWorld design, and the One Product One Source design are registered trade-marks of CNA Financial Corporation that are used under license. © 2006 Continental Casualty Company, Toronto, Canada.

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08/07/09 12:53 PM

SEE PAGES 70-74 FOR COMPANY CONTACT INFORMATION Workers Compensation Replacement Echelon L.J. Gosselin

HOSPITALITY Adult Entertainment, Nightclubs A M Fredericks Beacon Can-Sure Catlin CHES Chesterfield Echelon Genmark N G Williams Special Risk Totten Trans Canada Universal

Bars, Sportsbars, Pubs, Lounges A M Fredericks Beacon Can-Sure Catlin Central CHES Chesterfield Chutter Echelon Genmark Premier Marine Special Risk Totten Trans Canada Universal

Errors And Omissions A M Fredericks Can-Sure Catlin Creechurch HUD Special Risk Trans Canada Trisura

Family Restaurants A M Fredericks Aviva AXA Beacon Berkley Can-Sure Catlin Central CHES Chesterfield Chutter Echelon Economical Genmark HUD Intact Kingsway N G Williams Peace Hills Premier Marine RSA 50 MKT

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South Western Special Risk Totten Trans Canada Universal Wawanesa

Fine Dining Restaurants A M Fredericks Aviva AXA Beacon Berkley Can-Sure Catlin Central CHES Chesterfield Chutter Creechurch Echelon Economical Genmark HUD Intact Kingsway N G Williams Peace Hills Premier Marine RSA Special Risk Totten Trans Canada Universal Wawanesa

Food Borne Illness Catlin CHES HUD Totten TSW

Hotel/Motel A M Fredericks ACE INA AXA AXIS Beacon Can-Sure Catlin Central CHES Chesterfield Chutter Echelon Economical Elliott Genmark HUD Kingsway N G Williams Peace Hills South Western Special Risk Trans Canada Universal Wawanesa XL

Legal Expense Sterlon

Lodges, Fishing Camps A M Fredericks AXA Beacon Berkley Can-Sure Catlin Central CHES Chesterfield Chutter Echelon Elliott K&K N G Williams Premiere Insurance Special Risk Underwriting Contract Universal

Rooming And Boarding Houses A M Fredericks Beacon Berkley Can-Sure Catlin Central CHES Chesterfield Echelon Elliott Genmark Guardian Risk HUD Intact Kingsway N G Williams Premier Marine South Western Special Risk Totten Trans Canada Underwriting Contract Universal

HUD Intact N G Williams South Western Special Risk Totten Trans Canada Underwriting Contract Universal

HOSPITALS ACE INA Aviva Catlin Elliott Frank Cowan N G Williams Special Risk Totten Trans Canada XL Zurich

INDIVIDUAL HEALTH Echelon L.J. Gosselin Premier Marine

INTERNET Access Providers ACE INA Berkley Can-Sure Central Creechurch Encon Pratt Lambert & Brown South Western Sovereign Special Risk Totten Trans Canada TSW Universal

Application Developers

A M Fredericks Beacon Can-Sure CHES Chesterfield Chutter Echelon Genmark Kingsway N G Williams Special Risk Trans Canada Universal

ACE INA Berkley Can-Sure Central Creechurch Encon Pratt Lambert & Brown South Western Sovereign Special Risk Totten Trans Canada TSW Universal

Substandard Risks

Cyber Risks

Royal Canadian Legions

A M Fredericks Beacon Can-Sure Central CHES Chesterfield Echelon Genmark Guardian Risk

ACE INA Berkley Can-Sure Central Creechurch Encon Pratt Lambert & Brown Premiere Insurance South Western

CANADIAN UNDERWRITER INSURANCE MARKETER JULY 2009

08/07/09 12:53 PM

SEE PAGES 70-74 FOR COMPANY CONTACT INFORMATION Sovereign Special Risk Totten Trans Canada TSW Universal

Online Rating Site Berkley Pratt Lambert & Brown Universal

Web Design A M Fredericks ACE INA Berkley Can-Sure Central Creechurch Encon Pratt Lambert & Brown Premier Marine South Western Special Risk Totten Trans Canada TSW Universal

Totten Trans Canada Trisura TSW William J. Sutton

KENNELS A M Fredericks Guardian Risk Kingsway Totten Trans Canada

LEGAL EXPENSE INSURANCE

KIDNAP, RANSOM AND EXTORTION ACE INA Elliott Mkt Ad 09/AB/CUW Chesterfield L.J. Gosselin N G Williams South Western Special Risk

7/9/09

Sterlon

11:03 Totten AM Page 1

LITIGATION INSURANCE Judicial Delay L.J. Gosselin

Helping brokers with tough liability insurance problems since 1966

JACKPOT COVERAGE Bingo Can-Sure Echelon L.J. Gosselin K&K PAL Prize Indemnity

Direct Mail Solicitation L.J. Gosselin K&K PAL Prize Indemnity Special Risk

Lottery L.J. Gosselin K&K Prize Indemnity

Scratch Cards Echelon L.J. Gosselin K&K PAL Prize Indemnity Special Risk

Slots L.J. Gosselin K&K Prize Indemnity Special Risk

Sports Book L.J. Gosselin K&K Prize Indemnity

Video Poker L.J. Gosselin K&K Prize Indemnity

• Hard-to-place liability risks • Sport, leisure & recreation including abuse • Security and protection industry – including failure to perform • USA premises & product liability • Biotech & Pharmaceuticals including clinical trials • Pollution & environmental liability • Umbrella liability • Excess auto & general liability • Directors & Officers Liability • Architects, engineers & environmental consultants E & O • Insurance brokers E & O • Miscellaneous E & O & medical malpractice • Information Technology Package • Media liability & libel slander exposures • Property & inland marine 130 Adelaide Street West, 2000 Rue Mansfield, 8th Floor, Suite 810, Suite 710, Toronto, Ontario M5H 3P5 Montreal, PQ H3A 2Z4 Tel: (416) 601-1133 Tel: (514) 849-4992 Fax: (416) 601-1150 Fax: (514) 849-9443 Toll Free: (800) 223-8858 Toll Free: (877) 771-1211 Visit our web-site — www.elliottsr.com

CANADIAN UNDERWRITER INSURANCE MARKETER JULY 2009

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MKT 51

09/07/09 12:45 PM

SEE PAGES 70-74 FOR COMPANY CONTACT INFORMATION MAIL INSURANCE Guarantee Company Trisura

MANUFACTURING AND RESOURCES (EXCEPT OIL AND GAS) Agricultural Equipment A M Fredericks ACE INA AXA AXIS Berkley Boiler Inspection Can-Sure Catlin CHES Chutter CNA Echelon Elliott HUD Kingsway MINT RSA Special Risk Totten Trans Canada TSW XL Zurich

Amusement Equipment A M Fredericks Berkley Elliott MINT Special Risk TSW

Biotechnology A M Fredericks AXA Berkley Catlin Creechurch Elliott MINT TSW Zurich

Chemicals, High Hazard

Agricultural Product A M Fredericks ACE INA AXA AXIS Berkley Catlin CHES Chutter Elliott Kingsway RSA South Western

Special Risk Totten Trans Canada TSW XL

ACE INA Berkley Elliott MINT Special Risk Trans Canada TSW Zurich

Clothing A M Fredericks ACE INA Aviva AXA AXIS Berkley Boiler Inspection Can-Sure Catlin Central CHES

instouch

the insurance industry’s social network

Chesterfield Chutter Echelon Economical Elliott HUD Intact Kingsway Peace Hills RSA South Western Special Risk Trans Canada TSW Universal Wawanesa XL Zurich

Universal Wawanesa XL Zurich

Contractors Equipment

A M Fredericks ACE INA Aviva AXIS Beacon Berkley Can-Sure Catlin Central CHES Chesterfield Chutter CNA Creechurch Echelon Elliott Kingsway N G Williams RSA South Western Special Risk Totten Trans Canada TSW XL Zurich

Drugs, Pharmaceuticals, Perfumes, Cosmetics Berkley Chutter Creechurch Elliott MINT Special Risk Totten Trans Canada TSW Zurich

Excess Liability

A M Fredericks Aviva AXA AXIS Beacon Berkley Can-Sure Catlin Central CHES Chesterfield Chutter CNA Echelon Elliott HUD Intact Kingsway Monarch N G Williams RSA Special Risk Totten Trans Canada TSW

Get connected. Stay instouch. www.instouch.com Join today.

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CANADIAN UNDERWRITER INSURANCE MARKETER JULY 2009

08/07/09 12:55 PM

SEE PAGES 70-74 FOR COMPANY CONTACT INFORMATION Explosives

Trans Canada TSW Universal Wawanesa XL Zurich

AXIS Berkley Chesterfield Elliott N G Williams Special Risk

Garment Contractors A M Fredericks ACE INA Aviva AXA AXIS Berkley Can-Sure Catlin Central CHES Chesterfield Chutter Echelon Elliott HUD Kingsway RSA South Western Special Risk Totten Trans Canada TSW Universal Wawanesa XL Zurich

Feed Mills A M Fredericks ACE INA Beacon Berkley Boiler Inspection Catlin Elliott Special Risk Trans Canada TSW

Fireworks Berkley Elliott MINT Special Risk

Food Processing A M Fredericks ACE INA Aviva AXA AXIS Beacon Berkley Boiler Inspection Can-Sure Catlin Central CHES Chutter CNA Creechurch Echelon Economical Elliott HUD Intact Kingsway Peace Hills RSA South Western Sovereign Special Risk Totten

Highly Protected Manufacturing Risks A M Fredericks ACE INA AXIS Boiler Inspection Can-Sure Catlin CHES Chesterfield Chutter N G Williams RSA Sovereign Totten Trans Canada TSW XL Zurich

Light Industry

Machine Shops

A M Fredericks ACE INA Aviva AXA AXIS Beacon Boiler Inspection Can-Sure Catlin Central CHES Chesterfield Chutter CNA Creechurch Economical Elliott Genmark Grain HUD Intact Kingsway Monarch N G Williams Peace Hills RSA Special Risk Totten Trans Canada TSW Universal Wawanesa XL Zurich

A M Fredericks ACE INA Aviva AXA AXIS Beacon Berkley Boiler Inspection Can-Sure Catlin Central CHES Chesterfield Chutter CNA Creechurch Echelon Economical Elliott Genmark Grain Guardian Risk HUD Intact Kingsway Monarch N G Williams Peace Hills RSA Sovereign Special Risk Totten Trans Canada TSW Wawanesa XL Zurich

Logging Operations (And Brush Clearing Equipment) A M Fredericks AXA Berkley Can-Sure Catlin Chutter Kingsway N G Williams South Western Special Risk Totten Trans Canada Underwriting Contract Zurich

Machinery A M Fredericks ACE INA Aviva AXA AXIS Beacon Berkley Boiler Inspection Can-Sure Catlin Central CHES continues on page 54

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www.travelersguarantee.com

MKT 53

08/07/09 12:55 PM

SEE PAGES 70-74 FOR COMPANY CONTACT INFORMATION continued from page 53

Chesterfield Chutter CNA Creechurch Echelon Elliott HUD Kingsway Monarch N G Williams RSA Sovereign Special Risk Trans Canada TSW XL Zurich

Manufacturers’ Output AXIS N G Williams Special Risk TSW Zurich

Medical Products AXIS Berkley Boiler Inspection Can-Sure Catlin Central Creechurch Elliott HUD MINT Monarch N G Williams Special Risk Totten Trans Canada TSW Zurich

Metal Products (Auto Parts) A M Fredericks ACE INA Aviva AXA AXIS Berkley Boiler Inspection Catlin Chesterfield Chutter CNA Elliott Kingsway MINT N G Williams RSA South Western Special Risk Trans Canada TSW XL Zurich 54 MKT

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Metal Products (Excluding Aircraft And Auto Parts) A M Fredericks ACE INA Aviva AXA AXIS Berkley Boiler Inspection Can-Sure Catlin Central CHES Chutter CNA Creechurch Economical Elliott Genmark HUD Intact Kingsway N G Williams Peace Hills RSA South Western Sovereign Special Risk Totten Trans Canada TSW Wawanesa XL Zurich

Mining Operations A M Fredericks AXIS Berkley Can-Sure Catlin Central Chutter RSA Special Risk Totten Trans Canada TSW XL Zurich

Paper Products A M Fredericks ACE INA Aviva AXA AXIS Berkley Boiler Inspection Can-Sure Catlin CHES Chesterfield Chutter Creechurch Echelon Economical Elliott

HUD Intact Kingsway MINT N G Williams RSA South Western Sovereign Special Risk Totten Trans Canada TSW Universal Wawanesa XL Zurich

Plastics, Synthetic Resins And Fibers A M Fredericks ACE INA AXA AXIS Berkley Boiler Inspection Catlin CHES Chesterfield Chutter CNA Elliott Intact Kingsway RSA South Western Sovereign Special Risk Totten Trans Canada TSW XL Zurich

Portable Sawmills A M Fredericks AXIS Beacon Berkley Can-Sure Chesterfield Chutter Elliott Kingsway N G Williams RSA Special Risk Trans Canada Underwriting Contract

Printing Operations A M Fredericks ACE INA Aviva AXA AXIS Berkley Boiler Inspection Can-Sure Catlin CHES Chesterfield

Chutter Echelon Elliott Guardian Risk HUD Intact Kingsway Peace Hills RSA Special Risk Totten Trans Canada TSW Wawanesa XL Zurich

Product Contamination (Malicious) Catlin N G Williams RSA South Western Totten Trans Canada XL

Product Recall A M Fredericks AXA Berkley Catlin Central N G Williams RSA South Western Special Risk Totten Trans Canada TSW XL

Rubber Recycling & Remanufacture A M Fredericks AXIS Can-Sure Catlin CHES Chesterfield Chutter Elliott RSA South Western Special Risk Totten

Safety Equipment A M Fredericks ACE INA AXIS Berkley Catlin Echelon Elliott Kingsway MINT RSA Special Risk Totten

CANADIAN UNDERWRITER INSURANCE MARKETER JULY 2009

08/07/09 12:55 PM

SEE PAGES 70-74 FOR COMPANY CONTACT INFORMATION Sawmills

A M Fredericks ACE INA AXA AXIS Beacon Can-Sure Catlin Chutter N G Williams RSA Special Risk Trans Canada Underwriting Contract

Software /Hardware A M Fredericks ACE INA Berkley Can-Sure Catlin Central CHES Chesterfield CNA Creechurch RSA South Western Sovereign Special Risk TSW

Sporting Goods A M Fredericks ACE INA AXA AXIS Berkley Can-Sure Catlin Central Chesterfield Echelon Elliott HUD Kingsway MINT RSA Special Risk Totten TSW XL Zurich

Toys

A M Fredericks AXIS Berkley CHES Elliott Kingsway MINT TSW XL Zurich

Woodworking Shops A M Fredericks ACE INA Aviva AXA AXIS

Beacon Berkley Can-Sure Catlin Central CHES Chesterfield Chutter Elliott Guardian Risk Intact Kingsway N G Williams RSA South Western Sovereign Special Risk Totten Trans Canada TSW Underwriting Contract Wawanesa XL Zurich

Catlin CNA N G Williams Premier Marine South Western Special Risk Totten Trans Canada XL

Charter Risks

Cargo, Contingent Ins ACE INA Atlantic Marine AXA Catlin CNA Premier Marine South Western Totten TSW XL

ACE INA Atlantic Marine AXA Beacon Catlin CNA Premier Marine Special Risk XL

ACE INA Atlantic Marine AXA Beacon Catlin Central CHES CNA N G Williams Premier Marine South Western

MARINE Antique Craft Atlantic Marine Aviva Beacon CNA Premier Marine

Boat And Boat Supply Dealers Atlantic Marine Aviva Beacon Catlin Central Chutter CNA K&K Premier Marine Special Risk Wawanesa

ACE INA Atlantic Marine AXA Beacon Catlin Central CNA Premier Marine XL

Ferries

Cargo, Ocean

Fishing Vessels Atlantic Marine Beacon Catlin Central continues on page 56

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Builders Risks ACE INA Atlantic Marine Aviva AXA Beacon Can-Sure Catlin Central Chutter CNA Premier Marine South Western TSW

Personal Lines Products • Contact Dave Lyons at 604-522-8870 • or 1-866-683-8870

• Excellent Service + Commissions • No Policy Fees • No Contract Required • All Facilities Canadian Licensed Ph: 604-984-0285 • Toll Free: 1-888-382-6697 Fax: 604-984-6140 #314 – 255 West 1st Street, North Vancouver, B.C., V7M 3G8

Cargo, Coastal ACE INA Atlantic Marine AXA Beacon

www.chutteruw.com

CANADIAN UNDERWRITER INSURANCE MARKETER JULY 2009 chutter ad.indd 1

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Special Risk Totten Trans Canada TSW XL Zurich

MKT 55 7/15/08 2:59:36 PM

08/07/09 12:56 PM

SEE PAGES 70-74 FOR COMPANY CONTACT INFORMATION continued from page 55

N G Williams Special Risk Trans Canada

Florida Coverage Atlantic Marine Beacon Central Premier Marine

High Performance/Cigarette Boats Atlantic Marine Beacon Central N G Williams Premier Marine Special Risk

High Value Yachts Atlantic Marine Aviva Beacon Catlin Central N G Williams Premier Marine Special Risk

House Boats Atlantic Marine Aviva Beacon N G Williams Premier Marine Special Risk

Hull And Machinery ACE INA Atlantic Marine AXA Beacon Catlin Central CNA Premier Marine South Western Special Risk Trans Canada XL

CNA HUD N G Williams Premier Marine Special Risk XL

Motor Truck Cargo L.L. ACE INA Atlantic Marine Beacon Central CNA HUD Kingsway Monarch N G Williams Premier Marine South Western Special Risk Totten Trans Canada TSW Zurich

Ocean Marine ACE INA Atlantic Marine AXA Beacon Catlin Central CNA N G Williams Premier Marine Special Risk Trans Canada TSW XL Zurich

Off-Shore Drilling Atlantic Marine Catlin Special Risk XL

Pleasure Craft

Atlantic Marine Beacon Premier Marine Special Risk

Atlantic Marine Aviva AXA Beacon Catlin Central CNA Echelon Economical N G Williams Premier Marine Special Risk Trans Canada TSW

Marinas

Shiprepairers Legal Liability

Inland Waterway Vessels Atlantic Marine AXA Beacon Catlin CNA Premier Marine XL

Jet Ski

Atlantic Marine Aviva Beacon Can-Sure Catlin Central 56 MKT

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ACE INA Atlantic Marine AXA Beacon Catlin Central

CNA N G Williams Premier Marine XL

Stock Through-Put Atlantic Marine Catlin CNA N G Williams South Western Trans Canada TSW XL

Terminal Operators Atlantic Marine AXA Beacon Catlin CNA XL

Tour Boats

ACE INA Atlantic Marine AXA Beacon CNA Premier Marine Special Risk XL

Tugs, Barges ACE INA Atlantic Marine Aviva AXA Beacon Catlin CNA N G Williams Premier Marine XL

US Sales Catlin CNA XL

Water Transport Services Atlantic Marine AXA Beacon CNA Premier Marine South Western Special Risk XL

Wharf And Waterfront Property Atlantic Marine Aviva Beacon Chutter Premier Marine South Western Special Risk

Wooden Boats Atlantic Marine AXA Beacon CNA Premier Marine

Zebra Mussels (Pleasure Craft) Atlantic Marine Central Premier Marine

MISCELLANEOUS ARTICLES A M Fredericks Central Chesterfield Elliott HUD Peace Hills RSA

MUNICIPAL SCHEDULES A M Fredericks Can-Sure Chutter Guarantee Company Premiere Insurance RSA Special Risk Trans Canada TSW

MUNICIPALITIES Can-Sure Catlin Chutter Elliott Frank Cowan Guarantee Company N G Williams RSA Special Risk Trans Canada Zurich

MUSEUMS A M Fredericks AXA Can-Sure Premiere Insurance South Western Special Risk Trans Canada Wawanesa XL

MUSICAL INSTRUMENTS A M Fredericks N G Williams Premiere Insurance Special Risk TSW XL

OIL AND GAS Above And Below Ground Storage ACE INA Can-Sure Catlin XL Zurich

Business Interruption ACE INA Catlin

CANADIAN UNDERWRITER INSURANCE MARKETER JULY 2009

08/07/09 12:56 PM

SEE PAGES 70-74 FOR COMPANY CONTACT INFORMATION South Western XL Zurich

Drilling Equipment

Special Risk Trans Canada XL Zurich

ACE INA Can-Sure Catlin Central CNA South Western Special Risk Trans Canada Zurich

Refineries, Property And Liability

Environmental Damage Liability

AXIS Catlin Sovereign Zurich

ACE INA Catlin Trans Canada XL Zurich

Excess Liability ACE INA Aviva AXIS Berkley Can-Sure Catlin Central CNA South Western Special Risk Trans Canada XL Zurich

Offshore Drilling ACE INA Can-Sure Catlin South Western Special Risk Zurich

Onshore Oil Well Drilling ACE INA AXIS Can-Sure Catlin Central CNA South Western Special Risk XL Zurich

Petroleum, Natural Gas, Well-Lease Property Catlin South Western XL Zurich

Pollution ACE INA Can-Sure Catlin Elliott Encon South Western

ACE INA Catlin Elliott Special Risk XL Zurich

Seismic

Service Contractors ACE INA Aviva AXIS Can-Sure Catlin Chutter CNA Elliott RSA South Western Sovereign Special Risk Totten Trans Canada XL Zurich

Aviva AXA Can-Sure Catlin CNA N G Williams South Western Sovereign Special Risk Zurich

OVERSEAS EXPOSURES Automobile ACE INA CNA Zurich

Boiler And Machinery Boiler Inspection Catlin RSA TSW Zurich

Defense Base Act Liability L.J. Gosselin

Disability L.J. Gosselin William J. Sutton

Errors And Omissions A M Fredericks ACE INA

Can-Sure Catlin Chesterfield Creechurch N G Williams Special Risk TSW Zurich

Excess Liability A M Fredericks AXIS Can-Sure Catlin CHES Chutter CNA Creechurch Elliott N G Williams Special Risk TSW XL Zurich

Foreign Voluntary Workers Compensation ACE INA CNA TSW Zurich

Storage Risks ACE INA Can-Sure Catlin Elliott South Western Special Risk XL Zurich

US Risks ACE INA AXIS Can-Sure Catlin XL Zurich

Well Blow Out (Cost Of Control) ACE INA Can-Sure Catlin Zurich

Wind Farms AXIS Berkley Catlin RSA Special Risk Totten Trans Canada XL Zurich

CANADIAN UNDERWRITER INSURANCE MARKETER JULY 2009

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Wireline Logging

MKT 57

08/07/09 12:57 PM

SEE PAGES 70-74 FOR COMPANY CONTACT INFORMATION Global Master Controlled Programs ACE INA CNA Special Risk TSW XL Zurich

Greenhouses HUB Special Risk

Incidental Exposures AXA Creechurch Premiere Insurance Special Risk Trans Canada TSW XL

International Employee Benefits Echelon L.J. Gosselin TIC Travel TSW Zurich

Liability A M Fredericks ACE INA AXA Can-Sure Catlin CHES CNA Creechurch N G Williams South Western Special Risk Trans Canada TSW XL Zurich

Marine Cargo A M Fredericks Atlantic Marine Beacon Catlin CHES CNA N G Williams South Western Totten Trans Canada TSW XL Zurich

Medical Creechurch L.J. Gosselin William J. Sutton

Oil And Gas Consultants ACE INA Can-Sure Catlin 58 MKT

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N G Williams Special Risk Totten XL

Property

ACE INA AXIS Catlin CNA N G Williams RSA Special Risk Totten TSW XL Zurich

U.S. Products Liability A M Fredericks ACE INA AXA AXIS Can-Sure Chutter CNA Creechurch Elliott South Western Sovereign Special Risk Totten TSW XL Zurich

U.S. Workers Compensation CNA Totten TSW Zurich

Umbrella Liability A M Fredericks ACE INA Catlin Chesterfield Chutter CNA Creechurch Elliott Special Risk TSW XL Zurich

War Risk, AD & D L.J. Gosselin William J. Sutton

War Risk, Term Life William J. Sutton

World Wide Product Liability ACE INA AXA CNA Creechurch Elliott South Western Special Risk Totten Trans Canada

TSW XL Zurich

PERSONAL INJURY Advertisers

Media Holding Cos. ACE INA Elliott Premiere Insurance South Western Trisura

ACE INA Elliott Encon South Western Trisura

Newspaper Carriers

Advertising Agencies

Newspapers

ACE INA Elliott Encon South Western Trisura

ACE INA Elliott South Western Trisura ACE INA Elliott RSA South Western Trisura

Book Publisher

Non-Profit Media

ACE INA Elliott Encon Premiere Insurance South Western Trisura

ACE INA Elliott Premiere Insurance South Western

Producers Errors And Ommissions

Broadcasters, Radio And Television

Premiere Insurance South Western TSW Unionville

ACE INA Elliott Premiere Insurance South Western Trisura Unionville

Cablecasters ACE INA Elliott Premiere Insurance South Western Trisura

Internet Liability ACE INA South Western Special Risk Trans Canada Trisura

Internet Service Provider Encon South Western Special Risk Trans Canada Trisura

Libel, Slander ACE INA AXA Elliott Encon Premiere Insurance South Western Trisura

Magazine, Publishers ACE INA Elliott Encon South Western Trisura

Radio, TV And Film ACE INA Premiere Insurance South Western Trisura TSW Unionville

Societies And Associations Elliott Encon Premiere Insurance Trisura

POLITICAL RISK Catlin N G Williams South Western Special Risk Totten TSW

POLLUTION Consultant ACE INA Creechurch Special Risk Totten Trans Canada TSW XL Zurich

Contractors

ACE INA Elliott Encon Pratt Lambert & Brown Special Risk Totten Trans Canada

CANADIAN UNDERWRITER INSURANCE MARKETER JULY 2009

08/07/09 12:57 PM

SEE PAGES 70-74 FOR COMPANY CONTACT INFORMATION TSW XL Zurich

Trans Canada Underwriting Contract

Underwriting Contract

Contractors, Remediation

Builders Risk A M Fredericks ACE INA Aviva AXA AXIS Beacon Can-Sure Central CHES Chesterfield Chutter CNA Economical Elliott Encon Genmark Guardian Risk HUD Kingsway N G Williams Peace Hills Premier Marine RSA South Western Sovereign Special Risk Totten Trans Canada TSW Universal Wawanesa XL Zurich

ACE INA AXIS Can-Sure Catlin Central CHES Chesterfield Elliott N G Williams South Western Sovereign Special Risk Totten Trans Canada TSW Universal XL Zurich

ACE INA Totten Trans Canada XL Zurich

Environmental ACE INA Elliott Special Risk Totten Trans Canada TSW XL Zurich

Fixed Facilities ACE INA Totten XL Zurich

Garbage Collection Zurich

Landfill Transfer Stations Zurich

Pesticide Liability Elliott Totten

Real Estate ACE INA XL Zurich

Storage Tank Liability ACE INA Elliott Encon Totten TSW XL Zurich

US Risk ACE INA TSW XL Zurich

PROPERTY “Outbreak” Extra Expense (Contagion Ins. Risk) MINT RSA Totten

60 Amp Service A M Fredericks Chesterfield Genmark Guardian Risk HUD Intact Premier Marine South Western Special Risk Totten

A M Fredericks ACE INA Aviva Can-Sure Chesterfield Genmark Guarantee Company Guardian Risk HUD Monarch N G Williams Premier Marine South Western Special Risk Totten Trans Canada TSW Universal XL Zurich

Excess Property

Furriers

Highly Protected Manufacturing Risks

Chesterfield N G Williams Trans Canada

Greenhouses A M Fredericks HUD-ABCan-Sure b-INmkt 7/3/09 Echelon HUB Special Risk Trans Canada Underwriting Contract

Claims Frequency A M Fredericks AXA Beacon Can-Sure Chesterfield Elliott Genmark Guardian Risk HUD Intact Premier Marine South Western Special Risk Totten Trans Canada Underwriting Contract

A M Fredericks ACE INA AXIS Boiler Inspection 4:12 PM Can-Sure Page 1 Catlin CNA N G Williams RSA

continues on page 60

SERVING THE INSURANCE NEEDS OF BRITISH COLUMBIA & ALBERTA SINCE 1919

HUD INSURANCE SERVICES Hard Underwriting Decisions

MOTOR TRUCK CARGO • SPECIAL RISK COURSE of CONSTRUCTION • FARM PROGRAM

HARD to PLACE: PROPERTY • LIABILITY • COMMERCIAL • HOMEOWNERS VACANT DWELLINGS • RENTED DWELLINGS • REPAIR GARAGE

SPEC HOUSE FOR SALE PROGRAM

Contents in Storage A M Fredericks Beacon Can-Sure Chesterfield Guardian Risk PAL Peace Hills Premier Marine RSA Trans Canada TSW

Difference In Conditions Special Risk TSW

CANADIAN UNDERWRITER INSURANCE MARKETER JULY 2009

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High Valued Property

hudinsurance.com PHONE: 604-322-1000 FAX : 604-325-1414 TOLL-FREE: 1-800- 463-4831

MKT 59

08/07/09 12:58 PM

SEE PAGES 70-74 FOR COMPANY CONTACT INFORMATION continued from page 59

Sovereign Totten Trans Canada TSW XL Zurich

Trans Canada

Legal Expense CHES Echelon Frank Cowan Sterlon Totten

Homeowners With Boarders A M Fredericks Beacon Central Chesterfield Genmark HUD Intact Premier Marine South Western Special Risk Totten Underwriting Contract Universal

Independent Schools/Day Cares A M Fredericks AXA Beacon Can-Sure Elliott Frank Cowan RSA South Western Totten

Primary Or Excess Placements

Mobile Homes (Non-Motorized) A M Fredericks Aviva Beacon Can-Sure Chesterfield Echelon Elliott Genmark Grain Guarantee Company Premier Marine RSA South Western Special Risk Underwriting Contract Wawanesa

Mortgagee In Possession A M Fredericks Central Chesterfield South Western Special Risk Totten TSW

Non-CSA Woodburners

Jewelry A M Fredericks Aviva Central CHES Chesterfield Guarantee Company N G Williams South Western Special Risk

A M Fredericks Beacon Chesterfield HUD Special Risk Underwriting Contract

Nurseries

A M Fredericks AXA

The

Can-Sure Intact RSA

ACE INA AXIS Can-Sure Catlin Monarch N G Williams RSA South Western Sovereign Special Risk TSW Underwriting Contract XL Zurich

Rental Property A M Fredericks Aviva AXA Beacon Can-Sure Catlin Central CHES Chesterfield Chutter Echelon Economical Elliott Genmark Guardian Risk HUD Intact Kingsway N G Williams Premier Marine South Western Special Risk Totten

Trans Canada TSW Underwriting Contract Universal Wawanesa

Retail Flower Shops A M Fredericks Aviva AXA Beacon Can-Sure Catlin Central Chesterfield Echelon Guardian Risk Intact Kingsway N G Williams Peace Hills RSA Universal

Short Term Rentals A M Fredericks Beacon Can-Sure Chesterfield Guardian Risk HUD Special Risk

Silverware

A M Fredericks Aviva Guarantee Company Special Risk

Stand-alone Seasonals A M Fredericks Aviva Beacon Can-Sure Central Chesterfield Echelon

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02/06/09 10:59 AM2009 CANADIAN UNDERWRITER INSURANCE MARKETER JULY

08/07/09 12:58 PM

SEE PAGES 70-74 FOR COMPANY CONTACT INFORMATION Economical Elliott Guardian Risk HUD Intact Premier Marine RSA South Western Special Risk Totten Trans Canada Underwriting Contract Universal Wawanesa

Student Dwellings A M Fredericks Beacon Can-Sure Central CHES Chesterfield Echelon Genmark Guardian Risk Intact Premier Marine South Western Totten Trans Canada Underwriting Contract

Substandard Property A M Fredericks Aviva AXA Beacon Can-Sure Central CHES Chesterfield Echelon Elliott Genmark Guardian Risk HUD Intact Monarch Premier Marine South Western Special Risk Totten Trans Canada Underwriting Contract Universal

Terrorism

A M Fredericks Atlantic Marine Catlin CHES Chesterfield Special Risk TSW

Unusual Buildings A M Fredericks Beacon Can-Sure Central Chesterfield Elliott

Guardian Risk HUD Intact N G Williams Premier Marine South Western Special Risk Totten Trans Canada Underwriting Contract Universal

Vacant And Idle Buildings A M Fredericks ACE INA Aviva AXA Beacon Can-Sure Central CHES Chesterfield Echelon Elliott Genmark Guardian Risk HUD Intact N G Williams Premier Marine South Western Special Risk Totten Trans Canada Underwriting Contract Universal

Power Generation

ACE INA Can-Sure Catlin Elliott RSA Special Risk Totten TSW XL Zurich

Boiler Inspection Can-Sure RSA TSW XL Zurich

Radio And Television Towers And Equipment ACE INA Catlin Elliott South Western Special Risk TSW Zurich

Fibre Optics Cable XL Zurich

Piers And Docks Beacon Can-Sure Central Chutter Premier Marine RSA Special Risk TSW XL Zurich

Storage Tanks Can-Sure Elliott Special Risk Totten XL Zurich

Toll Highways Zurich

Pipelines

US Risks

Can-Sure Special Risk XLMC7060GOSSELIN bold 2 Zurich

Totten TSW 7/3/09 12:06 PM XL Zurich

Page 1

Vacant House for Sale

L.J. GOSSELIN & ASSOCIATES

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A M Fredericks Beacon Can-Sure PAL

RAILWAY ROLLING STOCK N G Williams South Western Totten Trans Canada TSW Zurich

REAL PROPERTY Bridges And Tunnels

SPECIAL RISK INSURANCE SINCE 1988 • High limit AD&D (Pro Sports, Hazardous Occupations/Projects) • Lump Sum Own Occupation Permanent Total Disability Cover (Career Ending, Buy-Sell Agreements, Estate Funding, etc.) • War Risk Coverage - Kidnap & Ransom/Extortion Insurance • Helicopter and Other Aviation Exposures • Tuition Reimbursement Program • Sports Insurance – Accident & Medical Coverage Including Repatriation

Can-Sure South Western Special Risk Totten TSW XL Zurich

• Expatriate Programs (AD&D, Disability, Medical)

Dams And Hydro Projects

• Adverse Weather Insurance (Events, Sales Promotions)

Boiler Inspection Can-Sure RSA South Western Special Risk Totten TSW XL Zurich

CANADIAN UNDERWRITER INSURANCE MARKETER JULY 2009

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Excess Liability

• Event Cancellation (Trade Shows, Conferences, etc.) • Contractual Bonus Insurance (Athletes, Sponsorships, etc.) • Non-Appearance and Death & Disgrace (Spokesperson, Advertising Campaigns)

• Prize Indemnity Insurance (Internet Contests, Sport Predictions, Hole-In-One)

INSURANCE AND REINSURANCE FULLY ADMITTED A+ MARKETS AND STANDARD COMMISSIONS MKT 61

08/07/09 12:59 PM

SEE PAGES 70-74 FOR COMPANY CONTACT INFORMATION RENEWABLE ENERGY Biomass

William J. Sutton

Bands

Photo Voltage

A M Fredericks Berkley Catlin PAL Premiere Insurance

Ecoinsurances

Concerts, Theatre

Renewable Energy

A M Fredericks Beacon Berkley Catlin Elliott L.J. Gosselin Grain Guardian Risk K&K PAL Premier Marine Premiere Insurance South Western Special Risk Totten Trans Canada TSW Universal

Ecoinsurances

Hydro Electric Ecoinsurances

Ecoinsurances RSA Trans Canada XL

Solar Power Ecoinsurances

Wind Turbines Ecoinsurances

SALONS A M Fredericks AXA Can-Sure Central Echelon Guardian Risk HUD Peace Hills Premier Marine Premiere Insurance South Western Special Risk Thorah Totten Wawanesa

SCHOOLS Frank Cowan

Out Of The Country Emergency Medical ACE INA Echelon L.J. Gosselin TIC Travel

Student Accident ACE INA Echelon L.J. Gosselin TIC Travel Trans Canada William J. Sutton

Tuition Expense Protection L.J. Gosselin Trans Canada

SPORTS AND ENTERTAINMENT AD & D Only ACE INA Catlin Echelon L.J. Gosselin Premiere Insurance Sutton Sportscover TIC Travel Trans Canada TSW Universal 62 MKT

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Contractual Bonus/Incentive L.J. Gosselin K&K Premiere Insurance Prize Indemnity Special Risk Sutton Sportscover Totten TSW

Death And Disgrace L.J. Gosselin Prize Indemnity Special Risk Sutton Sportscover TSW William J. Sutton

Event Cancellation Beacon Catlin Central L.J. Gosselin K&K N G Williams PAL Premiere Insurance Prize Indemnity South Western Special Risk Sutton Sportscover Totten Trans Canada TSW Universal William J. Sutton

Film And Entertainment Catlin Echelon L.J. Gosselin PAL Premiere Insurance South Western

Special Risk TSW Unionville William J. Sutton

Horse Track Racing A M Fredericks Elliott Equine K&K Premiere Insurance

Jockey, Accident And Weekly Indemnity L.J. Gosselin K&K Special Risk TSW

Medical Malpractice Catlin Elliott L.J. Gosselin Guardian Risk N G Williams South Western TSW Universal

Non Appearance Beacon Central L.J. Gosselin K&K PAL Premiere Insurance Prize Indemnity South Western Special Risk Sutton Sportscover Totten Trans Canada TSW William J. Sutton

Occupational AD & D ACE INA Catlin Echelon L.J. Gosselin Kingsway Sutton Sportscover William J. Sutton

Pro Athletes Life And Disability L.J. Gosselin K&K TSW William J. Sutton

Riding Instructors, Accident And Weekly Indemnity Echelon Equine L.J. Gosselin K&K Special Risk TSW

Sports Associations A M Fredericks Beacon Catlin Creechurch

Echelon Elliott L.J. Gosselin K&K Premier Marine Premiere Insurance South Western Special Risk Sutton Sportscover Totten TSW Universal

Sports, Accident And Liability Catlin Creechurch Echelon Elliott L.J. Gosselin K&K Premiere Insurance South Western Special Risk Sutton Sportscover TSW Universal

Travelling Athletes Echelon L.J. Gosselin Premiere Insurance Sutton Sportscover TIC Travel Universal William J. Sutton

SPORTS PROMOTION Air Show

A M Fredericks Beacon K&K Prize Indemnity Special Risk

Basketball Shoot A M Fredericks Echelon L.J. Gosselin K&K Morgex PAL Premiere Insurance Prize Indemnity South Western Special Risk Sutton Sportscover Totten Trans Canada William J. Sutton

Bean Bag Toss A M Fredericks Echelon K&K PAL Premiere Insurance Prize Indemnity South Western Special Risk Sutton Sportscover William J. Sutton

CANADIAN UNDERWRITER INSURANCE MARKETER JULY 2009

08/07/09 12:59 PM

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2:03 PM

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FREE! • FREE! • FREE! • FREE! • FREE! • FREE! p 09-69 prod list.indd 63

08/07/09 12:59 PM

SEE PAGES 70-74 FOR COMPANY CONTACT INFORMATION Bowl

A M Fredericks K&K Premiere Insurance Special Risk

Contractors Bonus Incentives L.J. Gosselin K&K South Western Special Risk Sutton Sportscover

Coupon Over-Redemption L.J. Gosselin K&K Premiere Insurance Prize Indemnity Sutton Sportscover Trans Canada

Intact K&K Morgex PAL Premier Marine Prize Indemnity RSA South Western Sovereign Special Risk Sutton Sportscover Totten Trans Canada William J. Sutton

Lacrosse Target

A M Fredericks Elliott K&K N G Williams Special Risk

Echelon L.J. Gosselin K&K Premiere Insurance Prize Indemnity South Western Special Risk Sutton Sportscover Totten William J. Sutton

Fish Weight

Lucky Key Pick

Excess Liability

Echelon K&K Premiere Insurance Prize Indemnity South Western Sutton Sportscover Totten Trans Canada

Football Field Goal Echelon L.J. Gosselin K&K Morgex N G Williams Premiere Insurance Prize Indemnity South Western Special Risk Sutton Sportscover William J. Sutton

Hockey Goal

Echelon L.J. Gosselin K&K Morgex N G Williams PAL Premiere Insurance Prize Indemnity South Western Special Risk Sutton Sportscover Totten Trans Canada William J. Sutton

Hole In One Aviva Beacon Central Echelon L.J. Gosselin 64 MKT

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Echelon K&K Premiere Insurance Prize Indemnity South Western Trans Canada

Paper Airplane Toss Echelon L.J. Gosselin K&K Premiere Insurance Prize Indemnity Special Risk

Prize Indemnity Central Echelon L.J. Gosselin K&K Morgex PAL Premier Marine Premiere Insurance Prize Indemnity South Western Sovereign Special Risk Sutton Sportscover Totten Trans Canada William J. Sutton

Promotion Incentives Beacon Echelon L.J. Gosselin K&K Premiere Insurance Prize Indemnity South Western Special Risk Sutton Sportscover

Radio Promo

Health

L.J. Gosselin K&K PAL Premiere Insurance Prize Indemnity Special Risk

Out Of Country Emergency Medical

Skeet Perfect Game K&K Premiere Insurance Prize Indemnity

Tag Fish Central Echelon K&K Morgex N G Williams PAL Premiere Insurance Prize Indemnity South Western Special Risk Sutton Sportscover Totten Trans Canada William J. Sutton

Weather Promos Central L.J. Gosselin K&K Morgex N G Williams PAL Prize Indemnity Trans Canada William J. Sutton

TRAVEL Accident ACE INA Catlin Echelon L.J. Gosselin RSA TIC Travel Travel Underwriters William J. Sutton

Baggage Catlin L.J. Gosselin RSA TIC Travel Travel Underwriters

Business/Medical/Excess Medical L.J. Gosselin RSA TIC Travel William J. Sutton

Excess Health L.J. Gosselin RSA TIC Travel

Expatriate Term Life Incl War Risk William J. Sutton

L.J. Gosselin TIC Travel

ACE INA Echelon L.J. Gosselin Premiere Insurance RSA TIC Travel Travel Underwriters William J. Sutton

Student Medical Echelon RSA TIC Travel Travel Underwriters

Trip Cancellation L.J. Gosselin RSA TIC Travel Travel Underwriters

Vacation Rental/Security Deposit Insurance Travel Underwriters

Visitors Medical Echelon L.J. Gosselin RSA TIC Travel Travel Underwriters

TRIP TRANSIT A M Fredericks Atlantic Marine AXA Chutter Kingsway N G Williams RSA Special Risk Trans Canada TSW Zurich

UMBRELLA AND EXCESS LIABILITY A M Fredericks ACE INA Aviva AXA AXIS Can-Sure Catlin Central Chesterfield Chutter CNA Creechurch Echelon Economical Elliott Genmark Guarantee Company HUD Kingsway Monarch continues on page 66

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SEE PAGES 70-74 FOR COMPANY CONTACT INFORMATION General

Special Risk Trans Canada TSW Zurich

continued from page 64

N G Williams Premiere Insurance RSA South Western Sovereign Special Risk Totten Trans Canada TSW XL Zurich

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Excess Liability Can-Sure Central Elliott RSA Special Risk Zurich

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Commercial Equipment A M Fredericks Echelon Special Risk

Engines, Rebuilt Echelon

Extended Care For New And Used Auto Aviva Central Echelon L.J. Gosselin Travelers Guarantee Trisura

Extended Product Aviva Echelon L.J. Gosselin RSA Special Risk Travelers Guarantee Trisura

Limited Depreciation Echelon Travelers Guarantee Trisura

Manufactured Home Warranty Echelon L.J. Gosselin

Marine Craft Echelon

66 MKT

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February 2009 Canadian Underwriter 73 CANADIAN UNDERWRITER INSURANCE MARKETER JULY 2009

08/07/09 1:00 PM

SEE PAGES 70-74 FOR COMPANY CONTACT INFORMATION New Buildings

Auto Dealers Showroom

A M Fredericks Echelon

AXA Chutter Special Risk

Plumbing, Electrical Installations, Heating Echelon Travelers Guarantee

Recreation Vehicle Extended Warranties Echelon L.J. Gosselin Trisura

Used Auto Echelon Travelers Guarantee Trisura

WEATHER L.J. Gosselin K&K Prize Indemnity South Western Special Risk William J. Sutton

WHOLESALE, RETAIL, SERVICE ATM’s A M Fredericks CHES Chesterfield I HIRE JOB DONE horiz 2 N G Williams PAL

Automobile Repair Garages And Service Stations A M Fredericks Aviva AXA Can-Sure Catlin Chutter Economical Elliott Genmark Grain HUD Intact Kingsway Peace Hills RSA Special Risk Totten

Building Supply Stores

Building Centres A M Fredericks Aviva AXA AXIS Beacon Berkley 5/11/09 1:41 PM Can-Sure Catlin

Central Chutter Grain uardian Risk HUD Kingsway Peace Hills RSA South Western Sovereign Special Risk Trans Canada Universal Wawanesa

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A M Fredericks Aviva AXA AXIS Beacon Berkley Can-Sure Catlin Central Chutter Elliott Grain Guardian Risk HUD Kingsway Peace Hills RSA South Western

Sovereign Special Risk Trans Canada Universal Wawanesa

Coin Dealers A M Fredericks Berkley Guardian Risk Kingsway PAL RSA South Western Special Risk XL

Computer Retailers Or Wholesales A M Fredericks Aviva AXA Beacon Can-Sure Catlin Central Chutter Creechurch Guardian Risk Kingsway SA Special Risk Universal Wawanesa

Get the job. Done. TM

FOUND MY JOB AT

CANADIAN UNDERWRITER INSURANCE MARKETER JULY 2009

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SEE PAGES 70-74 FOR COMPANY CONTACT INFORMATION Convenience Stores A M Fredericks Aviva AXA Beacon Can-Sure Catlin Central Chutter Economical Elliott Genmark Grain Guardian Risk HUD Intact Kingsway RSA Special Risk Totten Trans Canada Universal Wawanesa

Equipment Dealers

Dealer Floor Plans Peace Hills Special Risk Trans Canada

Dental Equipment Dealers Aviva AXA AXIS Berkley

Catlin Central Creechurch Guardian Risk Kingsway RSA Trans Canada Universal A M Fredericks AXA AXIS Berkley Can-Sure Catlin Central Chutter CNA Echelon Economical Elliott Guardian Risk Kingsway N G Williams Peace Hills RSA Special Risk Trans Canada Universal Wawanesa Zurich

ADVERTISERS’ INDEX ACE INA Insurance...................................................................................................2 (IFC) Aviva Canada Inc............................................................................................................17 AXA Canada....................................................................................................................39 Berkley Underwriting Managers Canada, Ltd..................................................................19 canadianunderwriter.ca...................................................................................................65 Chesterfield Canada Inc..................................................................................................33 CNA Canada...................................................................................................................49 Cunningham Lindsey Canada.........................................................................................45 Chutter Underwriting Services........................................................................................55 Ecoinsurances.................................................................................................................35 The Economical Insurance Group...................................................................................23 Elliott Special Risks........................................................................................................51 Fortify Network Solutions................................................................................................60 The Guarantee Company of North America.....................................................................11 Guardian Risk Managers.................................................................................................57 Grain Insurance & Guarantee Company..........................................................................41 Great American Insurance Group..............................................................................15, 47 HUD (Hard Underwriting Decisions)...............................................................................59 i-hire.ca..............................................................................................................63, 67, 69 instouch..........................................................................................................................52 Insurance Institute of Canada................................................................................ 75 (IBC) Intact Insurance....................................................................................................76 (OBC) L.J. Gosselin...................................................................................................................61 MINT Canadian Specialty................................................................................................29 Monarch Insurance Brokers Limited...............................................................................43 Ontario Insurance Directory............................................................................................66 PAL Insurance Brokers....................................................................................................37 Peace Hills Insurance......................................................................................................21 RSA Canada....................................................................................................................25 The Sovereign General Insurance Company....................................................................31 Totten Group...................................................................................................................27 Travelers.........................................................................................................................53 Zurich Canada.................................................................................................................13 68 MKT

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Excess Liability A M Fredericks Aviva AXIS Beacon Berkley Can-Sure Catlin Central Chutter CNA Creechurch Echelon Elliott Kingsway RSA South Western Special Risk Totten Trans Canada TSW XL

Farm Equipment Dealers A M Fredericks AXA AXIS Berkley Catlin Chutter Echelon Economical Elliott HUD Kingsway Special Risk Trans Canada Wawanesa

Feed Mills A M Fredericks Beacon Berkley Catlin Central Grain Special Risk Totten Trans Canada Zurich

Fine Arts A M Fredericks AXA Can-Sure Chesterfield Elliott Guardian Risk N G Williams RSA South Western Special Risk Totten Trans Canada XL

Florists A M Fredericks Aviva AXA Berkley Can-Sure

Central Echelon Grain Guardian Risk HUD Intact Kingsway Peace Hills RSA Totten Trans Canada Universal Wawanesa

Foreign/USA Sales A M Fredericks AXA AXIS Berkley Can-Sure Catlin Chutter CNA Creechurch Elliott Kingsway RSA South Western Sovereign Special Risk Trans Canada TSW Universal XL Zurich

Furriers Block CHES N G Williams Special Risk Trans Canada

Greenhouses A M Fredericks Berkley Can-Sure HUB South Western Special Risk Trans Canada

Jewelers Block Central CHES Chesterfield N G Williams South Western Special Risk Trans Canada

Laundry/Dry Cleaners A M Fredericks Aviva AXA Berkley Can-Sure Central Guardian Risk Intact Kingsway Peace Hills RSA Special Risk

CANADIAN UNDERWRITER INSURANCE MARKETER JULY 2009

08/07/09 1:01 PM

SEE PAGES 70-74 FOR COMPANY CONTACT INFORMATION Motorcycle Dealers AXA Echelon Special Risk

Nursery/Garden Centre A M Fredericks Aviva AXA AXIS Chutter Guardian Risk Intact Kingsway RSA Trans Canada

Protective Services Industry A M Fredericks Aviva Can-Sure South Western Special Risk Totten Trans Canada

RV Dealers A M Fredericks Berkley Catlin K&K Special Risk

AXIS Beacon Catlin Chutter Echelon Kingsway RSA

Chutter Genmark Guardian Risk RSA Special Risk Trans Canada

Retail Chain Package

AXIS Can-Sure Catlin Chutter South Western Special Risk TSW

A M Fredericks Aviva AXA AXIS Beacon Can-Sure Catlin Central Economical Grain Intact Peace Hills RSA Special Risk Trans Canada TSW Universal

US Risks

Video Lottery Terminals A M Fredericks PAL

Self Storage Facilities

Rental Equipment Dealers

I HIRE JOB DONE horiz 1 A M Fredericks AXA

A M Fredericks AXA Beacon Can-Sure 5/11/09 1:41 PM Central CHES

Page 1

Get the job. Done. TM

T JOB A Y M D FOUN

CANADIAN UNDERWRITER INSURANCE MARKETER JULY 2009

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COMPANY CONTACTS LEGEND

(I) = INSURER (W) = WHOLESALER (B) = BROKER (M) =

MGA

A A M FREDERICKS UNDERWRITING MANAGEMENT INC. (M) 339 Westney Rd Suite 201 Ajax ON L1S 7J6 905 428-1269 Fax: 905 428-3977 Toll Free: 888 302-9215 Toll Free Fax: 800 613-5947 amfinfo@amfredericks.com www.amfredericks.com Tony Fredericks

ACE INA INSURANCE (I) The Exchange Tower 130 King St. W. 12th Floor Toronto ON M5X 1A6 www.ace-ina-canada.com Lynn Woodburn 416 594-3032 Fax: 416 594-3000 lynn.woodburn@ace-ina.com

ATLANTIC MARINE UNDERWRITERS INC. (W) 223 Kent St W Lindsay ON K9V 2Z1 705 878-9014 Fax: 705 878-4387 www.atlanticmarine.net Peter J. Taylor

AVIVA CANADA INC. (I) 2206 Eglinton Ave. E. Scarborough ON M1L 4S8 Toll Free: 800 387-4518 www.avivacanada.com

AXA (I)

700-2020 University Ave. Montréal QC H3A 2A5 Fax: 514 282-0335 www.axa.ca Line Cauvier 514 282-6817 Ext. 5244 line.cauvier@axa-canada.com

AXIS REINSURANCE COMPANY (CANADIAN BRANCH) (I) 70 York St # 1010 Toronto ON M5J 1S9 416 361-7200 Fax: 416 361-7225 www.axiscapital.com Darin Scanzano 416 361-7201 darin.scanzano@axiscapital.com 70 MKT

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CENTRAL UNDERWRITERS INC. (W)

BEACON UNDERWRITING LTD. (W, M) 150 Hudson Ave. Salmon Arm BC V1E 4N5 250 832-1008 Fax: 250 832-3222 Toll Free: 888 645-8811 www.beacon724.com Rick Roberts rroberts@beacon724.com

304-2 Lansing Square North York ON M2J 4P8 416 489-5453 Fax: 416 489-1378 submissions@centralunderwriters.com www.centralunderwriters.com

CG&B PROFESSIONAL LIABILITY (B) 120 South Town Centre Blvd. Markham ON L6G 1C3 905 948-2640 Fax: 905 948-2069 Toll Free: 800 267-6670 professional.liability@cgbgroup.com www.cgbgroup.com Lynda Clive

BERKLEY CANADA (I)

1 First Canadian Place 100 King St W Suite 2610 Toronto ON M5X 1C8 416 304-1178 Fax: 416 304-4108 Toll Free: 877 304-1178 info@berkleycanada.com www.berkleycanada.com Sarah Kestle 416 594-4819

CHES SPECIAL RISKS INC. (W)

THE BOILER INSPECTION AND INSURANCE CO. OF CANADA (I) 250 Yonge St Suite 3000 Toronto ON M5B 2L7 416 362-1203 Fax: 416 362-6601 www.biico.com David Pivato 416 216-7192 dpivato@biico.com

5330 Canotek Rd Unit 2 Ottawa ON K1J 9C1 613 745-6100 CHES@chesspecialrisk.ca www.chesspecialrisk.ca Doug Everett doug@chesspecialrisk.ca

CHESTERFIELD CANADA INC. (W, M) 509 Bronson Ave Ottawa ON K1R 6J8 613 237-3939 Fax: 613 233-4334 inquiries@chesterfieldcanada.com www.chesterfieldcanada.com Steve Kilrea

CHUTTER UNDERWRITING SERVICES (M)

C CAN-SURE UNDERWRITING LTD. (M) 730-800 West Pender St. Vancouver BC V6C 2V6 604 685-6533 Fax: 604 685-6554 Toll Free: 877 685-6533 www.can-sure.com Jeff Hart jeffhart@can-sure.com

CATLIN CANADA (M) 36 Toronto St Suite 1210 Toronto ON M5C 2C5 416 644-3312 Fax: 416 644-3813 infocanada@catlin.com www.catlincanada.com Michael Hansen 416 644-3312 Calgary 403 539-1970 Fax: 403 539-1971

314-255 West 1st St. North Vancouver BC V7M 3G8 604 984-0285 Fax: 604 984-6140 Toll Free: 888 382-6697 www.chutteruw.com Keith Stead

CNA CANADA (I)

1500-250 Yonge St. Toronto ON M5B 2L7 416 542-7300 Fax: 416 542-7310 Toll Free: 800 268-9399 www.cnacanada.ca Greg Knowles greg.knowles@cna.com

CREECHURCH INTERNATIONAL UNDERWRITERS LTD. (M) 550-55 University Ave. Toronto ON M5J 2H7 416 601-2155 Fax: 416 601-2166 www.creechurch.com Paul Meinschenk pmeinschenk@creechurch.com

CANADIAN UNDERWRITER INSURANCE MARKETER JULY 2009

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COMPANY CONTACTS E ECHELON GENERAL INSURANCE COMPANY (I) 2680 Matheson Blvd E. Suite 300 Mississauga ON L4W 0A5 905 214-7880 Fax: 905 214-7893 Toll Free: 800 324-3566 marketing@egi.ca www.echelon-insurance.ca John Czerwinski Michael Rocchi mrocchi@egi.ca Zahir A Moosa

ECOINSURANCES C/O CHESTERFIELD GROUP, LLOYD´S BROKERS (W, B, M) St Clare House 30/33 Minories London United Kingdom EC3N 1DD 01144 (0) 207 481 1683 Fax: 01144 (0) 207 488 1919 www.ecoinsurances.com Gary Hirst ghirst@ecoinsurances.com

THE ECONOMICAL INSURANCE GROUP (I) 111 Westmount Rd. S. PO Box 2000 Waterloo ON N2J 4S4 519 570-8500 Fax: 519 570-8389 www.economicalinsurance.com

ELLIOTT SPECIAL RISKS LP (M) 810-130 Adelaide St. W. Toronto ON M5H 3P5 Fax: 416 601-1150 www.elliottsr.com Frank Reda 416 601-2469 freda@elliottsr.com Québec Andre Doyon 514 849-4992 Fax: 514 849-9443 adoyon@elliottsr.com

ENCON GROUP INC. (M) 500-1400 Blair Place Ottawa ON K1J 9B8 613 786-2000 Fax: 613 786-2001 info.ot@encon.ca www.encon.ca Debi Sereda

EQUINE INSURANCE UNDERWRITERS LTD. (M) 106-3701 East Hastings St. Burnaby BC V5C 2H6 604 293-1531 Fax: 604 293-1248 www.equineunderwriters.com Lori Marsh Barb Hope

F FRANK COWAN COMPANY LIMITED (M) 4 Cowan St. E. Princeton ON N0J 1V0 519 458-4331 Fax: 519 458-4366 Toll Free: 800 265-4000 www.frankcowan.com John Godin john.godin@frankcowan.com

G GENMARK INSURANCE SERVICES INC. (W)

500-1670 Bayview Ave. Toronto ON M4G 3C2 416 482-2089 Fax: 416 482-9800 Toll Free: 800 268-8929 Toll Free Fax: 888 638-8822 insureit@genmarkinsurance.com www.genmarkinsurance.com Frank Muscat fmuscat@genmarkinsurance.com Fiona Chan fchan@genmarkinsurance.com Trevor Hibbs thibbs@genmarkinsurance.com Joanna Laskis jlaskis@genmarkinsurance.com

GRAIN INSURANCE & GUARANTEE CO. (I)

1240 One Lombard Place Winnipeg MB R3B 0V9 204 943-0721 Fax: 204 943-6419 Toll Free: 800 665-3351 www.graininsurance.com Gary E Dyson gdyson@graininsurance.com

GREAT AMERICAN INSURANCE GROUP – EXECUTIVE LIABILITY DIVISION (I)

1400-4950 Yonge St. North Madison Centre Toronto ON M2N 6K1 416 223-9580 Fax: 416 223-6577 www.gcna.com Robert Dempsey

GUARDIAN RISK MANAGERS (W) 103-310 Nicola St Kamloops BC V2C 2P5 250 377-7662 Fax: 250 377-8610 www.guardianrisks.com Rick Feeney 604 734-2120 rick@underwriters.bc.ca

H HUB INTERNATIONAL ONTARIO LIMITED (W, B, M) 501-33 Princess St. Leamington ON N8H 5C5 519 326-9339 Fax: 519 326-0128 Toll Free: 800 463-4700 www.hubontario.com Marcel Asschert marcel.asschert@hubinternational.com Québec Guy Boise 819 732-3381 Fax: 819 732-0463

HUD INSURANCE SERVICES (W, M) 5919 Fraser St. Vancouver BC V5W 2Z6 604 322-1000 Fax: 604 325-1414 Toll Free: 800 463-4831 info@hudinsurance.com www.hudinsurance.com

I INTACT INSURANCE COMPANY (I) 700 University Ave. 15th Floor Toronto ON M5G 0A1 416 341-1464 Fax: 416 941-5320 Toll Free: 877 341-1464 www.intactinsurance.ca

1515 Woodfield Rd Suite 500 Schaumberg IL 60173 847 330-6750 Fax: 513 929-6890 Toronto Office: 416 368-3200 www.greatamericaneld.com Bob Rubin 847 330-6788 brubin@gaic.com

CANADIAN UNDERWRITER INSURANCE MARKETER JULY 2009

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THE GUARANTEE COMPANY OF NORTH AMERICA (I)

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COMPANY CONTACTS K K & K INSURANCE GROUP CANADA INC. (B) 101-5800 Explorer Dr. Mississauga ON L4W 5K9 905 602-9339 Fax: 905 602-9141 Toll Free: 800 753-2632 www.kandkcanada@.com Tom Butler tom_butler@kandkinsurance.com

KINGSWAY GENERAL INSURANCE COMPANY (I)

7120 Hurontario St Unit 706 Mississauga ON L5W 0B1 905 677-8889 Fax: 905 677-5008 Toll Free: 800 265-5458 kgmarketing@kingsway.general.com www.kingsway-general.com Alberta 403 255-9222 Fax: 403 255-9224 Toll Free: 888 805-4647 Toll Free Fax: 888 705-4647 kgmarketing@kingsway-general.com www.kingsway-general.com

L L.J. GOSSELIN & ASSOCIATES (W) 332 Glebeholme Blvd. Toronto ON M4C 1V1 416 481-5234 Fax: 416 481-0691 Toll Free: 800 661-3448 Louis Gosselin loius@ljga.ca

M MARKEL INSURANCE COMPANY OF CANADA (I) 55 University Ave. Toronto ON M5J 2H7 416 364-7800 Fax: 416 364-1625 Toll Free: 888-MARKEL-1 www.markel.ca Lisa White 416 817-1419 lisa.white@markel.ca Alberta 780 421-7890 Dave Minnoch david.minnoch@markel.ca Québec 514 284-3124 Andre Paradis andre.paradis@markel.ca

72 MKT

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MINT CANADIAN SPECIALTY (M) 145 King St E. 5th Floor Toronto ON M5C 2Y7 416913MINT (6468) Fax: 416 360-1296 info@mintcanadian.ca www.mintcanadian.com Rob Lee

MONARCH INSURANCE BROKERS LIMITED (B, M) 7633 50th St Suite 204 Edmonton AB T6B 2W9 780 422-0568 Fax: 780 425-6776 Toll Free: 800 561-1713 Toll Free Fax: 866 425-6774 monarch@monarchins.com www.monarchins.com Greg A. Randell grandell@monarchins.com

17-826 King St. N Waterloo ON N2J 4G8 519 664-2106 Fax: 519 664-1016 www.parapet.ca Lyne Provencher lyne.provencher@parapet.ca

PARK AVIATION SERVICES LTD. (W, B) 380-18799 Airport Way Pitt Meadows Airport Pitt Meadows BC V3Y 2B4 Toll Free: 888 917-1177 Toll Free Fax: 866 372-2755 www.parkaviation.ca David Fitzpatrick Toll Free: 888 917-1177 Ext. 204

PEACE HILLS GENERAL INSURANCE COMPANY (I)

MORGEX INSURANCE (B) 11120-178 St Edmonton AB T5S 1P2 780 732-6747 Fax: 780 450-3226 Toll Free: 888 465-3461 www.morgex.com Brad Gibson 780 732-6745 brad.gibson@morgex.com

300-10709 Jasper Ave Edmonton AB T5J 3N3 780 424-3986 Fax: 780 424-0396 Toll Free: 800 272-5614 Toll Free Fax: 800 272-8875 peacehillsinsurance.com Kerrie Trotman 780 949-6514 ktrotman@peacehillsinsurance.com

PRATT LAMBERT & BROWN INSURANCE (B)

N N. G. WILLIAMS & ASSOCIATES (W, M) 502-850 West Hastings St Vancouver BC V6C 1E1 604 683-9351 Fax: 604 683-9311 www.ngwilliams.com Glen Williams glen@ngwilliams.com

5622 72nd St Edmonton AB T6B 3J4 780 468-3441 Fax: 780 466-0924 Toll Free: 800 889-3698 www.plbins.com Jeff Brown jbrown@plbins.com

PREMIER MARINE INSURANCE (M)

P PAL INSURANCE BROKERS (W) 400-1400 1st St South West Calgary AB T2R 0V8 Fax: 403 261-3903 Toll Free: 800 661-1608 www.palcanada.com Amélie Bérubé-Chanda 519 428-7716 Ext. 227 amelie@palcanada.com Ontario Fax: 519 428-5661 Toll Free: 800 265-8098 www.palcanada.com

PARAPET UNDERWRITERS INC. (W)

625 Howe St. Vancouver BC V6C 2T6 604 669-5211 Fax: 604 669-2667 www.premiermarine.com Troy Moreira troy.moreira@premiermarine.com Marine and Personal Lines Ontario and Atlantic Canada 519 850-1610 Fax: 519 850-1614 N D (Nat) Moreira nat.moreira@premiermarine.com Commercial Lines Ontario and Atlantic Canada 416 365-0444 Fax: 416 365-0446 Charmayne Lund-Pederson charmayne.lund-pederson@premiermarine.com

CANADIAN UNDERWRITER INSURANCE MARKETER JULY 2009

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COMPANY CONTACTS PREMIERE INSURANCE UNDERWRITING SERVICES INC. (M) 130 Bloor St W Suite 602 Toronto ON M5S 1N5 416 487-3900 Fax: 416 487-0311 Toll Free: 877 691-1247 www.premiereins.com Heather Moyer 416 480-7349 hmoyer@premiereins.com

PRIZE INDEMNITY UNDERWRITERS INC. (M) 5-995 Elgin St. W Cobourg ON K9A 4J3 Fax: 905 373-1529 Toll Free: 888 264-9352 prize@eagle.ca Marlene McNichol

STERLON UNDERWRITING MANAGERS LTD. (M)

TRAVEL UNDERWRITERS (B)

SUTTON SPORTSCOVER LTD. (I)

TRAVELERS GUARANTEE COMPANY OF CANADA (I)

Courtice Corners Executive Suites 2727 Courtice Rd. Suite 3 Courtice ON L1E 3A2 905 436-3291 Fax: 905 434-6874 www.sterlon.com Kevin Girling 33 Yonge St Suite 270 Toronto ON M5E 1G4 416 987-7595 Fax: 416 366-4608 www.suttonsportscover.com Bruce McKay 416 307-5625 bmckay@suttonsportscover.com Colin Fairlie 416 307-5623 cfairlie@suttonsportscover.com

RSA CANADA (I)

10 Wellington St. E. Toronto ON M5E 1L5 416 366-7511 Toll Free: 800 268-8406 www.rsagroup.ca Joe Vachon, National Sales Director joe.vachon@rsagroup.ca

S SOUTH WESTERN GROUP (W) 703 Evans Ave. Suite 203 Toronto ON M9C 5E9 Toll Free: 866 794-5463 Toll Free Fax: 877 329-2794 www.swgins.com Dawn DelFiacco dawn.delfiacco@swgins.com

THE SOVEREIGN GENERAL INSURANCE (I) 500-6700 MacLeod Trail SE Calgary AB T2H 0L3 403 298-4200 Fax: 403 298-4217 www.sovereigngeneral.com Murray Houck murray.houck@sovgen.com

SPECIAL RISK INSURANCE (W) 15573 Marine Dr. White Rock BC V4B 1C9 604 541-9799 Fax: 604 541-9769 info@srib.ca www.srib.ca Tom Willie

T THORAH INSURANCE BROKERS LIMITED (B) 361 Bay St., Box 890 Beaverton ON L0K 1A0 705 426-7306 Fax: 705 426-7690 info@tibl.ca www.tibl.ca Jackie Erwin Kim Gretton

TIC TRAVEL INSURANCE COORDINATORS (I) 1200-438 University Ave Toronto ON M5S 2K8 416 340-1655 Fax: 416 340-2707 Toll Free: 800 513-9135 pr@travelinsurance.ca www.travelinsurance.ca

TOTTEN INSURANCE GROUP (W, M) 105-557 Southdale Rd. E. London ON N6E 1A2 519 668-6111 Fax: 519 668-7775 Toll Free: 888 868-8367 Toll Free Fax: 888 232-2205 www.tottengroup.com Mike Callon mikecallon@tottengroup.com

TRANS CANADA INSURANCE MARKETING (W, M) 807-177 Lombard Ave Winnipeg MB R3B 0W5 204 925-8276 Fax: 204 925-8279 www.tcim.ca Colette Rezansoff crezansoff@tcim.ca

CANADIAN UNDERWRITER INSURANCE MARKETER JULY 2009

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6081 No. 3 Rd. 11th Floor Richmond BC V6Y 2B2 604 276-9900 Fax: 604 276-9409 Toll Free: 800 663-5389 www.travelunderwriters.com Brad Dance bdan@travelunderwriters.com

20 Queen St W Suite 300 PO Box 6 Toronto ON M5H 3R3 416 360-8183 Toll Free: 800 330-5033 Toll Free Fax: 877 762-7907 comments@travelersguarantee.com www.travelersguarantee.com

TRISURA GUARANTEE INSURANCE COMPANY (I) 70 York St Suite 1100 Toronto ON M5J 1S9 416 214-2555 Fax: 416 214-9597 www.trisura.com

TSW MANAGEMENT SERVICES INC. (W) 770 Sherbrooke St W Suite 2200 Montréal QC H3A 1G1 514 982-6522 Fax: 514 982-9764 Toll Free: 800 892-6522 www.tsw-management.ca Daniel Tousignant dtousignant@tsw.management.ca British Columbia 1177 West Hastings St Suite 200 Vancouver BC V6E 2K3 Ontario 181 University Ave Suite 1605 Toronto ON M5H 3M7

U UNDERWRITING CONTRACT ADMINISTRATORS INC. (W) 11 Thornhill Dr Suite 101 PO Box 63 Dartmouth NS B3B 1R9 902 434-7478 Fax: 902 484-6972 Toll Free: 877 343-8224 Toll Free Fax: 877 432-9822 www.ucai.ca Jennifer Batra jennifer.batra@ucai.ca

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COMPANY CONTACTS UNIONVILLE INSURANCE BROKERS A DIV. OF THE CG&B GROUP (W, B) 120 South Town Centre Blvd. Markham ON L6G 1C3 905 305-5944 Fax: 905 754-3005 Toll Free: 800 267-6670 www.cgbgroup.com Bruce Douglas bruce.douglas@cgbgroup.com

UNIVERSAL UNDERWRITING MANAGERS LTD. (W, M) 500-4211 Kingsway Burnaby BC V5H 1Z6 604 639-5969 Fax: 604 437-0928 Toll Free: 866 677-6050 info@universalunderwriting.com www.universalunderwriting.com David Leung david@universalunderwriting.com

W THE WAWANESA MUTUAL INSURANCE COMPANY (I) 900-191 Broadway Winnipeg MB R3C 3P1 Fax: 204 942-7724 www.wawanesa.com Bob Dixon 204 985-5594 bdixon@wawanesa.com

74 MKT

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WILLIAM J. SUTTON & CO. LTD. (M) 33 Yonge St. Suite 270 Toronto ON M5E 1G4 416 366-2223 Fax: 416 366-4608 Toll Free: 800 461-3292 www.wjsutton.com Sophie Strezos-Egnatis 416 307-5618 sstrezos@wjsutton.com Paul Clitherow 416 307-5617 pclitherow@wjsutton.com

X XL INSURANCE COMPANY LIMITED (I) 100 Yonge St Suite 1802 Toronto ON M5C 2W1 416 928-8552 Fax: 416 928-8858 www.xlinsurance.com Graham Addington 416 928-8546 graham.addington@xlgroup.com

Z ZURICH (I)

400 University Ave. Toronto ON M5G 1S7 416 586-3000 www.zurichcanada.com

CANADIAN UNDERWRITER INSURANCE MARKETER JULY 2009

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The wonderful thing about common ground is what you can build on it.

As a broker you’re successful because your priority is satisfying your customers. We get that. We admire that. It’s one of the important things we have in common. And why we’re so excited about our future together. Like you we believe insurance isn’t about things, insurance is about people. It’s a clarifying belief. The kind that’s generating new thinking around here. We want to help build your business by building on our common ground; our proud Canadian roots and our shared focus on putting the customer first. It’s the right thing to do. And it’s the right course for an exciting and successful future together. And we really do mean together. Because when you succeed we succeed.

HOME CAR BUSINESS

The BIP logo is a registered trademark of the Insurance Brokers Association of Canada (IBAC). All other trademarks are property of Intact Financial Corporation used under license. © 2009, Intact Insurance Company.

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