Coverages: Property and Casualty

Specialize in sourcing coverage for diamonds / precious stones in all forms and jewellery for all industries including Retail, Wholesale and Manufacturing.

Coverages: Intellectual Property

Covering the defense or pursuit of infringement claims, contractual indemnities, loss of IP rights and loss of profit.

Coverages: Commercial General Liability

- CGL including Host Liquor Liability
- Liquor Sales up to 100%
- Cyber Coverage Available
- Able to Write Small to Large Accounts
- Able to Accommodate Majority of Hospitality Accounts
- Forcible Ejection Coverage Available (Some Restrictions Apply)
- Strong Capacity Backed by Lloyd’s
- Available in every province except Ontario and Quebec

Coverages: Prize Indemnity

• Rates start at $75
• Easy online application with immediate policy issuance
• No PAL issuing fee when using the online form
• Seasonal / Blanket Hole in One policies available
• Rating available per participant
• High-Valued Hole in One rates for prize between $100,000 up to $1million (shootout style only)
• Reinstatement coverage & $250 Club Pro Shop Voucher automatically included through PAL’s online platform
• Multiple Pin Placements
• Up to 18 holes

Coverages: Prize Indemnity

Hockey Scoro Contests are PAL’s most popular contest, in which a randomly selected participant(s) will have the chance to shoot a puck from the far blue line (114 Feet) into a target opening (3.5 inches by 1.5 inches) for a chance to win a grand prize. Great promotional opportunity for Individuals, Companies, Sponsors, Hockey Clubs, Arenas etc. Premiums start as low as $113.00.

Coverages: Medical Malpractice

Allied Health: Package policy designed specifically for allied health practitioners including diagnostic, technical, therapeutic and direct patient care services.
eHealth: Package policy tailored to the unique risk profile of companies operating at the intersection of healthcare and technology.
Fitness Clubs: Package policy providing broad cover specific to fitness instructors and clubs of all sizes.
Health and Wellness Organizations: Package policy designed for the combinations of risks facing medical spas, traditional spas, and other health & wellness practitioners.

Coverages: Prize Indemnity

Up to 10 participants can have a chance to Putt for a Hole in One. Great promotional opportunity, for Companies, Golf Courses, Sponsors, etc. Premiums as low as $75.00. Automatic quote, bind and issue for submissions up to $50,000. Higher limits available for over $50,000 will be reviewed once submitted. Rating available from 1 - 10 participants. Rating available for a minimum 60 ft.

Coverages: Commercial General Liability | General Liability | Hard to Place | Product Liability | Public Liability

Commercial General Liability is designed to protect your business against bodily injury/property damage that was caused by the business' operations and/or products for which they are found legally liable.

Coverages: Property and Casualty

Specialize in sourcing coverage for anything ranging from high valued single items, corporate collections, personal collections, dealers and museum collections, exhibitions, classic cars, fine wines and musical instruments, amongst other treasured possessions.

Coverages: Financial Loss

Financial Institutions: Cover tailored to the new risks faced by modern financial institutions and investment managers.
FinTech: Purpose built policy for the ever-changing fintech industry and those companies operating in it.
Investment Managers: Bespoke policy for investment managers combining cover for exposures like management liability and crime with cover for emerging risks like cyber and kidnap and ransom.