Most businesses are exposed to potential losses arising out of negligence or other fault. Growth of the economy, technological progress, the concentration of large numbers of people in relatively small areas, the higher standard of care required by the courts, the changing concepts of liability, and more liberal verdicts have all contributed to the increase in the frequency and severity of liability losses. Independent contractors, such as yourself, should be aware that the exposure arising out of your operations follows you wherever your work is being done.

The HortProtect program provides liability coverage geared to the horticultural industry whether you operate a garden centre or are a snow removal contractor.

The Pesticides Liability Endorsement is designed to comply with requirements for all the provinces.

Employers Liability is available for certain occupation groups that are permitted to opt-out of provincially operated workers' compensation plans.