Commercial Insurance Solutions

Property & Liability - Safeguarding Business Continuity Through Asset and Revenue Protection

Ensuring the continuity of your operations requires diligent protection of both your tangible assets and revenue streams. Property insurance is designed to provide comprehensive coverage—not only for buildings, inventory, and equipment, but also for the loss of income or rental revenue resulting from an insured event. Our approach begins with a thorough understanding of your business operations. We identify and quantify potential risk exposures, evaluate the value and vulnerability of your physical assets, and assess the impact of potential business interruptions. Based on this analysis, we design a tailored and cost-effective insurance program to meet your specific needs. Property Insurance Solutions May Include: • All-Risk Property Insurance • Course of Construction (Builders' Risk) • Business Interruption / Delay in Start-Up / Lost Rental Income • Boiler & Machinery / Equipment Breakdown • Political Risk Insurance • Terrorism Risk Insurance • Mobile and Contractors' Equipment Coverage • Cargo and Marine Insurance

Comprehensive Liability Protection for Businesses of All Sizes

Organizations across all industries are exposed to third-party liability risks that can result in substantial legal and financial consequences. Liability insurance is essential for protecting against claims related to bodily injury, property damage, and other covered events. These policies are generally structured to provide legal defence and cover settlements or court-awarded damages, up to the limits of the policy, provided the claim falls within the scope of coverage. We conduct an in-depth risk assessment to develop a liability insurance program that aligns with your operational exposures and financial thresholds. Liability Coverages May Include: • Bodily Injury and Property Damage Liability • Personal and Advertising Injury Liability • Abuse and Molestation Liability • Tenant's Legal Liability • Non-Owned Automobile Liability • Product Liability • Aircraft Liability • Wrap-Up Liability (specific to construction projects) • Contractual Liability For clients requiring higher limits of protection, we also offer Umbrella and Excess Liability policies that extend coverage beyond the primary policy limits.

Environmental/Pollution Liability: A Critical Risk Across Key Industries

Environmental liability is a growing concern across a wide range of industries. As environmental regulations become increasingly stringent, organizations face heightened exposure to financial penalties and legal action resulting from environmental incidents. While some environmental risks are immediately evident, others may be less obvious. That is why comprehensive environmental insurance is essential—it provides protection against both sudden and gradual pollution events. We work closely with clients to identify potential environmental exposures and implement coverage solutions that address these risks proactively. Our team of specialists offers guidance in securing appropriate insurance products, including: • Environmental Impairment Liability • First- and Third-Party Environmental Liability • Contractors Pollution Liability • Project-Specific Environmental Coverage • Remediation and Site Redevelopment Coverage • Storage Tank Liability (aboveground and underground) With deep expertise and a proactive approach, we help ensure your organization is well-positioned to manage environmental risks and maintain regulatory compliance.

Tailored Insurance Solutions for Commercial Vehicle Operations

Whether your organization operates a large fleet of commercial vehicles or utilizes a single automobile for sales or service purposes, securing appropriate insurance coverage is a critical component of risk management. The nature and scale of your vehicle usage may vary, but the need for protection remains constant. Our team of insurance specialists possesses in-depth knowledge of the risks and exposures associated with commercial vehicle operations. We work closely with clients to develop customized insurance solutions that align with their specific business requirements. Whether your operations involve the transportation of passengers, goods, or hazardous materials—within Canada or cross-border into the United States—we provide strategic support through comprehensive reviews of fleet safety practices, policy structures, and deductible options. Available coverages for commercial automobile insurance include: • Third-Party Liability • Physical Damage • Accident Benefits • Cargo Insurance By tailoring your commercial automobile policy, we help ensure your business is adequately protected while maintaining operational efficiency and compliance.

Professional & Management Liability

Professional Liability Insurance for Regulated Professionals Despite the highest standards of care, regulated professionals may, on occasion, be subject to claims of negligence, errors, or omissions in the provision of their services. Professional Liability Insurance, also known as Errors and Omissions (E&O) Insurance, is designed to protect professionals from financial loss arising from such claims made by third parties. These policies typically provide coverage for legal defence costs as well as any settlements or damages awarded, thereby enabling professionals to continue their work with confidence and peace of mind. Leveraging our extensive experience in this highly specialized area, we collaborate with leading insurers nationwide to develop tailored insurance solutions that align with the unique risks of professional practice. We offer E&O insurance coverage for a broad range of professions, including but not limited to: • Legal professionals • Chartered accountants and auditors • Mortgage and financial brokers • Environmental consultants • Architects and engineers • Business and management consultants • Real estate and property appraisers • Information technology consultants • Medical and healthcare professionals Management Liability Insurance for Corporate Leadership The growing complexity of today's regulatory, legal, and corporate governance environments has significantly increased the potential for liability claims against company executives, directors, and officers. From shareholder disputes and regulatory investigations to employment-related claims, the personal assets of corporate leaders may be at risk. Management Liability Insurance, commonly referred to as Directors and Officers (D&O) Liability Insurance, provides critical financial protection for individuals serving in managerial and fiduciary capacities. In addition to securing robust coverage, we advise boards of directors and senior management teams on best practices to mitigate liability exposure and protect organizational integrity. Our Management Liability offerings include: • Directors & Officers (D&O) Side "A" Difference in Conditions • Independent Directors' Liability • Fiduciary Liability • Employment Practices Liability (EPL) • Crime and Fidelity Insurance • Kidnap and Ransom Insurance • Cyber Liability Insurance

Comprehensive Risk Management Consulting Services

Risk management consulting plays an essential role in our efforts to support your organization in minimizing exposure and managing the overall cost of risk. At BlueCouch Insurance, we take a holistic view of your total cost of risk, which encompasses insurance premiums, self-insured retentions or losses, and the administrative expenses associated with managing these programs. By conducting a thorough evaluation of your current practices, analyzing historical loss data, and applying industry knowledge accumulated over decades, our consulting services are designed to enhance workplace safety, improve operational efficiency, and reduce long-term costs. Our suite of risk consulting services includes: • Access to loss prevention and engineering expertise • Fleet safety audits and the development of customized fleet safety manuals • Strategic advice on contractual risk transfer mechanisms • Retention level assessments and analysis • Review and interpretation of historical loss trends • Optimization of deductibles to achieve an appropriate balance between retained risk and premium expenditures • Design and oversight of large retention programs • Feasibility studies, implementation, and ongoing management of captive insurance solutions • Comprehensive audits of existing insurance programs • Identification and resolution of coverage deficiencies • Development of alternative insurance program structures to maximize protection and minimize cost • Evaluation of additional insurance products and alternative risk transfer mechanisms • Advisory on financial security requirements, including letters of credit and surety bond arrangements

Specialized Surety Bond Solutions

Surety bonds provide formal financial guarantees for contractual obligations and other liabilities. They are often employed as an alternative to bank-issued letters of credit or traditional insurance instruments, offering the advantage of improved liquidity and credit availability—frequently at a more favourable cost. With over 50 years of dedicated experience in the surety sector, and as a founding member of the Surety Association of Canada, we possess deep-rooted expertise in this highly specialized field. Our surety practice is designed to protect your business interests, effectively leverage your financial position, and support prudent capital risk management. We maintain strong partnerships with all major surety providers, enabling us to align your organization with a surety that not only meets your immediate needs but also has the capacity to scale and evolve alongside your business. Our objective is to ensure that your surety arrangements remain robust, responsive, and properly aligned with your strategic goals. We provide advisory and placement services across a comprehensive range of surety bond types, including: • Fiduciary and Estate Bonds • Construction Bonds • Service Contract Bonds • Reclamation Bonds • Developer Bonds • Commercial Bonds • Miscellaneous Bonds

Transactional Risk Insurance for Mergers and Acquisitions

Entities engaged in purchase and sale transactions—whether involving assets or shares—are inherently exposed to substantial financial risk resulting from breaches of representations or warranties. Such risks may arise on either the buy-side or the sell-side of the transaction. Transactional Risk Insurance, commonly referred to as Representations and Warranties Insurance, offers a strategic means of transferring this risk. This coverage may be procured by either party to the transaction and serves to enhance deal certainty while protecting against unforeseen liabilities. For purchasers, the key advantages may include: • Financial protection in the event of a breach of representation or warranty by the seller • The ability to negotiate reduced indemnification obligations or escrow requirements from the seller • An extension of the survival period for representations and warranties beyond the contractual norm For sellers, the benefits may encompass: • Protection against financial loss arising from alleged or actual breaches of representations and warranties • A reduction in post-closing indemnity obligations, including escrow or holdback provisions • Coverage for unintentional or unknown breaches, thereby facilitating a cleaner exit from the transaction

Global Capabilities Through a Trusted International Network

Although our foundation and reputation have been built within the Canadian marketplace, our reach is truly international. We are affiliated with several distinguished global networks of independent insurance brokerages, reinsurance providers, and risk management firms—collectively delivering comprehensive services in over 130 countries worldwide. These networks constitute a connected, technology-enabled global insurance infrastructure, providing access to specialized local expertise and the international perspective necessary to support projects of any scale or complexity. Our ability to navigate diverse regulatory and market environments is further strengthened by established relationships with many of the world's leading commercial insurers. This global framework enables us to offer clients seamless and compliant insurance solutions across borders. We are committed to fostering a unified, borderless insurance experience—both in-person and digitally—where risk can be managed effectively, anywhere in the world, and in any language.