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Product Fact Sheet

Small-Medium Enterprise
Property & Casualty Package for Small-Medium Enterprise

Our Small-Medium Enterprise product addresses the needs of new, growing, and established businesses in a variety of industry sectors.  With no limitation on U.S. sales volume, we are able to address the inter-connected nature of the Canadian and U.S. economies for your clients.  With over 20 years of commercial insurance experience over a diverse group of industry classes, our underwriting team is well positioned to help you find solutions for your insureds.

Our target classes of business:
  • Manufacturing and Processing, such as:

    • Animal Fee​d

    • Bakeries, Confectioneries

    • Carpet, Rugs and Cloth Goods

    • Cosmetics

    • Clothing

    • Fabric and Textile Mills

    • Food and Beverage (including dairy)

    • Frozen Food Processing

    • Jewellery, Watches, Silversmiths

    • Meat Packers

    • Musical Instruments

    • Paintings and Fixtures

    • Printing and Publishing

    • Seed Processors and Merchants

    • Soaps and Detergents

  • Wholesale and Distribution – includes the same classes as Manufacturing and Processing plus:​

    • Beauty Supplies​

    • Cameras

    • Computers

    • Electrical Appliances

    • Furniture

    • Glass and China Products

    • Grocery and Produce

    • Hardware, Plumbing and Garden Supplies

    • Heating/Cooling and Refrigeration Equipment

    • Housewares

    • Paper and Paper Products

    • Restaurant Equipment

  • Accommodation, Food and Beverage (excluding Host Liquor Liability), such as:

    • Bed and Breakfasts

    • Campgrounds

    • Hotels (no liquor license)

    • Motels (no liquor license)

    • Restaurants (no liquor license)

    • Resort Properties

    • Take-out Food Services

  • Retail – includes the same classes as Wholesale and Distribution plus:

    • Direct Selling

    • Pet Shops

    • Vending Machines

    • Florists

    • Fuel Dealers/Gas Stations  (excluding Pollution and Failure to Deliver)

    • General Stores

    • Hobby, Handicraft

    • Home Improvement Centres

  • Business and Professional Services:

    • Office Packages for various business services

    • See: Misc. & Media E&O products for Professional Liability classes we write

  • Amusement and Recreation Services ​(excluding Host Liquor Liability) such as:

    • Amusement Arcades​

    • Amusement Devices

    • Arenas (no liquor license)

    • Art Galleries

    • Bingo Halls (no liquor license)

    • Bowling Alleys (no liquor license)

    • Cinemas (no liquor license)

    • Curling (no liquor license)

    • Drive-in Theatres

    • Exhibitions

    • Health and Exercise Clubs

    • Libraries

    • Golf Driving Ranges (no liquor license)

    • Motion Picture/Videotaping Production and Distribution

    • Museums

    • Tennis/Squash/Badminton Clubs

    • Theatres, Concert Halls, Dance Halls (no liquor license)

Please contact us if your Small-Medium Enterprise risk does not fit into one of these categories – we may still be able to help.

Available coverages:
  • Abuse Liability

  • Commercial General Liability, including Bodily Injury, Personal and Advertising Injury, Property Damage, Tenant's Legal Liability, Non-Owned Automobile, Employee Benefits Errors & Omissions

  • Employer's Liability

  • Employment Practices Liability

  • Equipment Breakdown (not available on all manufacturing risks shown above)

  • Government Instructed Product Recall (available on select risks)

  • Manufacturers Errors & Omissions (available on select risks)

  • Products and Completed Operations

  • Property and Crime (not available on all manufacturing risks shown above)

Liability coverage highlights:
Lloyd's
  • $10,000,000 available limits

  • Broad definition of Insured

  • Blanket Contractual Liability

  • Defense Costs in Addition (except Employment Practices Liability)

  • Market-leading SIGNAL Underwriting manuscript wording

  • No General Liability Aggregate (except Completed Operations Hazard and Employee Benefits Errors and Omissions)

  • Punitive Damages (sub-limited)

  • Silent Abuse coverage for qualifying classes of risk (Claims-made buy-back option for remainder)

  • Underwritten by certain underwriters at Lloyd’s

  • U.S. and Worldwide sales, with no limit of U.S. sales

Property & Crime coverage highlights:
  • $4,000,000 available per location (for best in class)

  • All-Risk Coverage

  • Broad list of Extensions of Coverage

  • Customized Wording for Small-Medium Enterprise

  • Replacement Cost

  • Stated Amount-Waiver of Co-Insurance (with signed Statement of Values on File)

What sets SIGNAL Underwriting apart:
  • Broad appetite

  • Customer focused on broker partners and insureds

  • In-house underwriting authority

  • Over 20 years of broking and underwriting experience

  • Our Underwriters are here to help you with any
    of your Small-Medium Enterprise industry-related questions

  • Secured Lloyd’s of London Coverholder status within first year of operation

  • SIGNAL Underwriting Inc. only represents London and domestic security with a minimum rating of A- (AM Best rating) for this product

  • Claims handled by Canadian Third Party Adjuster experienced with Small-Medium Enterprise entities

  • 17.5% Retail broker commission on this product

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