Coverages: Property and Casualty

Cover for the core property and general liability risks faced by small businesses like property damage, business downtime, bodily injury, employers’ liability and products liability.
Manufacturers and Distributors: Fully blended policy for manufacturers emphasizing general liability and errors and omissions with separate towers of coverage.

Coverages: Commercial General Liability | Liquor Liability | Product Liability | Public Liability

Provides Single Event or Annual protection for individuals and/or organizations who serve alcohol to the public. Designed for full / part time employees and volunteers whose occupation includes serving alcohol. PAL’s Group Server policy is designed for service clubs or other organizations that are seeking Liquor Liability coverage on a single event or an Annual basis. EXCLUDING: NIGHTCLUBS, HOUSE PARTIES, PRIVATE PARTIES, FRAT PARTIES, COLLEGE / UNIVERSITY PARTIES.

Coverages: Commercial General Liability | General Liability | Liquor Liability | Public Liability

Provides liability protection against possible claims for bodily injury and/or property damage that may arise out of the operations of the AFTER GRAD event. This would be defined as the organized / controlled event (not part of the graduation event itself) for students and their invited guests. If you require coverage for the actual graduation ceremony or banquet/dance, please see our Special Events Liability Program.

Coverages: Property and Casualty

Designed to indemnify valuables while stored in a safety deposit box.

Coverages: Professional Liability

Broad, packaged policies for a wide range of professional services with cyber cover offered as standard for: Accountants, Bookkeepers and Auditors; Architects and Engineers; Oil and Gas Professionals; Professional Services; Recruitment, Employment and Staffing Agencies; Surveyors and Estate Agents.

Coverages: Product Recall

Product Recall: Comprehensive cover for a variety of industries and recall scenarios, ranging from product guarantees and contamination events to cyber product tamper.
Restaurant Contamination: Bespoke cover addressing contamination events in restaurants.

Coverages: Prize Indemnity

Gives you the ability to offer special contests and promotions while transferring the risk to an experienced and financially bound insurer. Running a contest can provide lucrative marketing opportunity for a business. Examples: Weather Promotion, Crack the Code, Envelope / Number Draws, Curling Contests, Basketball / Football Contests, and many more!

Coverages: Property and Casualty

Designed to protect from expenses owing to the loss, theft or damage of your luxury wearable items. Items could include rings, necklaces, watches, etc.

Coverages: Property and Casualty

Designed for those with valuable pieces of art or collections, or who treat art as an investment. Art in such collections could include pictures, paintings, porcelain, pottery, antique furniture, clocks, watches, etc. 

Coverages: Property and Casualty

Coverage that goes beyond a homeowners or renters policy to protect valuable items, such as jewelry, fur, fine arts, musical instruments, silverware, stamps and coins.