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Barrenness Coverage

Equine Insurance

Barrenness Coverage

The mare can be insured against barrenness, which insures that provided the mare is covered by the stallion a minimum of two times during two separate oestral periods she will get in foal. The barrenness policy is usually written in a package with an in utero, or prospective foal policy, which picks up as soon as the mare is actually in foal. The in utero coverage insures that she produces a live foal that lives to a specified age set forth at policy inception.

The options for the expiry of this type of policy are to 48 hours after the birth, 30 days after birth, 6 months or one year after the birth of the foal, with the rate charged being influenced by the option chosen.

Please contact us to speak to one of our knowledgeable advisors or click here to chat live and get a quote today!

Business Insurance

Choose From 7 Comprehensive Business Insurance Policies

Commercial General Liability

Commercial general liability insurance, or CGL as it is commonly referred to, is coverage that will protect your business in the event that you are sued. It is often used to cover claims against your business for injury or property damage. Typical examples include if a customer is injured at your place of business, or say an employee damages property at a client’s site.

Without a commercial general liability insurance policy, you are leaving yourself and your company vulnerable to lawsuits that could have a devastating impact on your business. It is, unfortunately, a necessary cost of doing business because the likelihood of being sued is more common than you might think. It is for this reason that commercial general liability insurance is one of the most popular business insurance products sought after by business owners.

Commercial Property Insurance

From small rental properties to multi-storey office buildings, or from warehouses to retail shopping malls, we have the knowledge and expertise to protect your commercial property with a custom insurance package.

Helping you to determine your buildings’ replacement value and to ensure that your rental income is adequate, are some of the key concerns we will focus on in order to provide the insurance package and insurance company that is right for you.

Construction & Bonding

We specialize in providing complete coverage for your company and the projects you are involved in. Whether you are a general contractor or a sub-trade we can offer a complete insurance solution to cover you and provide peace of mind.

We offer the following construction solutions:

  • General Liability Insurance
  • Professional Liability
  • Wrap-up Liability Program
  • Builders Risk and Installation Floater
  • Mechanical Breakdown (Boiler and Machinery)
  • Contractors Equipment Floaters
  • Risk Management & Loss Control
  • Environmental & Pollution Control Insurance

We offer the following bonding services:

  • Agreements to Bond
  • Bid Bonds
  • Performance Bonds
  • Labour & Material Payment Bonds
  • Maintenance Bonds
  • Prequalification Letters

Classes of contractors we support:

  • Developers
  • General Contractors
  • Manufacturers
  • Road Contractors (paving, grading)
  • Sewer and Watermain Contractors
  • Site Services
  • Subcontractors (ie. mechanical, electrical, drywall etc.)

Commercial Automobile Fleets and Trucking

Fleet Insurance is auto insurance for 5 or more commercial vehicles. Insuring your vehicles under one fleet policy can be less expensive than insuring each one individually. Fleet Insurance provides the same coverage and offers some added flexibility as company employees can drive any vehicle in the fleet, as long as each employee is licensed.

Directors & Officers Liability

Whether your organization is publicly traded, private, or non-profit, your directors and officers are exposed to a number of liabilities. In the performance of their ongoing organizational duties, they can be held personally liable for both damages and defense costs.

Directors and Officers insurance (D&O) provides financial protection for the directors and officers of your organization in the event they are sued. Claims can arise from a variety of sources – government, competitors, creditors, employees, as well as other stakeholders. In some cases, damages awarded are relatively minor. However, the cost of defending these types of claims can be significant, and could very well impact the financial viability of your organization.

Garage Insurance

Who needs a Garage Policy? Automobile dealers (new and used cars and trucks), repair garages, service stations, storage garages, parking lots, valet parking, drive away or delivery auto services and towing companies.

Professional Liability Insurance

Anyone who holds themselves out as having a special body of knowledge, skill, or expertise and are paid for their work, service or advice, are professionals. A professional liability policy covers liability arising out of negligent acts, errors and omissions in the rendering, or failing to render, of professional services. Such failure could have harmful consequences not only your company’s financial stability but your personal assets as well.

Auto Insurance

Auto / Car Insurance Toronto, Ontario – For The Speed Demon In All Of Us!

You have a vehicle, you need car insurance – we can get you the best deal AND get the insurance YOU NEED at an affordable price. For all you parents of new drivers we CAN help you find the best type of car insurance coverage to protect them — we CAN’T, however give you any advice on how to deal with teenage angst — sorry, we KNOW our limitations!

Some Tidbits of Info about Auto Insurance

 

I. Auto Insurance Coverage Simplified

We know how complicated auto insurance in Ontario can be. It seems that every time you turn around, they are changing the rules. Well that’s because, they are. Unfortunately, we can’t change that however, we can do our best to help you understand what coverage you need and why you need it. Want more explanation? Feel free to continue reading on however, if you are already loving us and are ready to check out our rates, click here and jump right into getting your auto quote now.

 

II. Must Have Auto Insurance Coverage – The Cliff Notes Version

So the Ontario Government mandates that everyone who wants to drive a car must have 2 main things; A valid drivers license, and car insurance. A brief outline of the mandatory coverage is as follows:

Third Party Liability: This coverage protects you if someone is injured or killed or their property is damaged. It will pay for legitimate claims made against you up to the limit of your coverage, and will pay the costs of settling the claim.

Accident Benefits: Provides benefits if you are injured in an auto accident regardless of fault. These include, medical care, rehab and attendant care, replacement of your income to a certain limit, an allowance when a caregiver is injured and funeral expenses and death benefits when a person dies in an accident. These limits have changed with the new Auto Reform that the government has just recently put in to place, and are outlined in a more detailed way here if you want to read about these changes.

Uninsured Motorist: Protects you if you are injured by another driver that happens to not have insurance, or by a hit and run driver.

Direct Compensation/Property Damage: Pays for the damage to your car when another motorist is responsible for the accident.

That’s mandatory coverage, in a nutshell. There is of course more coverage that you can purchase if you wish to do so. If you want to read more about that, please do! However, if you are getting tired of reading, and just want a quote, click here and check out our rates.

 

III. Car Insurance Coverage of Your Choosing

Now comes the coverage that you are allowed to choose to suit your needs.

Collision: Pays for the damage or replacement of your automobile if you are involved in a collision with another vehicle or object, and “oops” it happens to be your fault.

Comprehensive: Pays for damage to your car for things like fire, theft, glass breakage. That even includes damage by falling or flying objects or missiles (seriously, even missiles! What? It could happen, better to be safe than sorry!)
There are also a bunch of things we insurance people like to call “Endorsements” which cover you for all sorts of things like, if you need to rent a car when you go on vacation, or if your car is un-driveable because of an accident and you need a replacement.

If you are tired of reading, one of our experienced Advisors will be more than happy to assist you in defining the right policy for your needs, they LOVE to chat about car insurance!

We’ve established that insurance is a necessity, so if we have to buy it, we want to ensure we are getting the best deal for our dollar. So what are you waiting for? Click here to get that quote and see what TSG has to offer you.

What bugs you about Insurance?

Recently, we posted a question on the twitter page of one of our marketing team members, Danny Brown, asking people “what are your insurance peeves”. 

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