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Professionals & Businesses Manufacturing & Wholesaler Insurance Manufacturing & Wholesaler Insurance
Target
- Designed for small to mid-sized manufacturers, wholesalers, and distributors across Canada
- Small to mid-sized manufacturers across Canada
- Minimum of 3 years of relevant experience
- Relabeling
- Repackaging
- U.S. revenue up to 25%; higher limits may be referred
- Small to mid-sized wholesalers and distributors domiciled in Canada
- Over 25% U.S. revenue may be referred
Manufacturers
Wholesalers & Distributors
About
Canadian manufacturers, distributors and wholesalers have experienced consistent growth driven by a strong domestic economy. In addition, retailers, both large and small, are starting to require that all manufacturers and/or distributors carry their own property and liability insurance in order to have their product on the retailers’ shelves.
One of the challenges, and also prominent characteristics of the Canadian manufacturing industry is its relationship with the U.S. as a key trading partner. This leads to a requirement of coverage for U.S. product exposures and physical locations, such as U.S. based sales and support offices.
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Coverage
Manufacturers
- Commercial general liability limits up to $5,000,000
- Defence costs in addition to policy limits
- First-dollar defence
- Worldwide claims coverage, with duty to defend in Canada and the United States
- Split deductible
- Extensions include libel and slander, breach of copyright and breach of warranty of authority
- $50,000 disciplinary proceeding reimbursement
- $50,000 occupational health and safety reimbursement
Wholesalers & Distributors
- Commercial general liability limits up to $5,000,000
- Core package including casualty and crime
- Extensions may include hook liability, moulds and patterns, manufacturers’ product impairment, product recall, casualty and cyber
Wholesalers & Distributors — Quebec
- Commercial general liability limits up to $10,000,000
- Extensions include moulds and patterns, a catch-all endorsement offering higher extension sub-limits, flexible business interruption options, manufacturers’ product impairment and product recall options
Underwriting norms
Manufacturers
- Children’s products are not eligible
- Automobile critical parts are not eligible
- Aviation-related risks are not eligible
- Military or law enforcement-related risks are not eligible
- Marine exposures are not eligible
Wholesalers & Distributors
- The insured must not have an open claim within the last 3 years
- U.S. revenue must not exceed 25%, unless referred
- Stock limit must not exceed $100,000
- Manufacturing, relabeling, installation or repair work are not eligible
Wholesalers & Distributors — Quebec
- The insured must not have an open claim
- U.S. revenue must not exceed 50%
- Manufacturing and relabeling are not eligible