Frequently Asked Questions about Speciality Products & Services

It covers liabilities associated with hosting or organizing events, ensuring you're safeguarded against potential claims.

While many home policies cover glass, they often require a $1,000 deductible and count as a claim against your home policy. Since glass claims are typically minor, it may not be worthwhile to claim through your home insurer. By opting for a separate glass policy, your claim is managed by glass professionals, often with $0 Deductible.

It reimburses the deductibles you've paid towards various insurance claims, including home, auto, boat, and more.

Most Condo Unit owner policies cover up to $100,000 against strata deductible assessments. If your condo’s strata deductibles exceed what your underlying condo policy covers, our "top up" Excess Strata Deductible Assessment policy can bridge the gap.

In the event of a significant earthquake, necessitating the payment of an earthquake deductible to your primary Home, Condo, or Commercial insurance company, the Earthquake Deductible Buy Back will cover this deductible on your behalf up to its policy limit.

If your auto, home, or commercial liability coverage is inadequate or exhausted, an umbrella policy provides additional coverage up to its own policy limit. Typical Auto or Home policies may offer up to $2 to $5 Million, whereas an Umbrella policy can extend coverage by an additional $10 Million.