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Specialty Commercial Insurance

Tripemco is proud to offer a diversity of specialized insurance offerings which help businesses with unique needs mitigate risk and ensure business continuity.

Cyber Liability

We are proud to offer innovative cyber insurance policies which offer comprehensive cover, best-of-breed risk management services and expert cyber claims handling. This can help protect your business against a range of cyber threats and exposures, including cybercrime, data breaches and system interruption. The technical expertise and real-world claims handling experience we broker can make the difference between suffering a catastrophic loss or getting back online quickly. This insurance can be a standalone policy, or is often part of a broader package.

Directors & Officers Liability

Directors and Officers (D&O) liability insurance is intended to protect individuals from personal losses if they are sued as a result of serving as a director or an officer of a business or other type of organization. It can also cover the legal fees and other costs the organization may incur as a result of such a suit.

Professional Liability

Professional liability insurance protects professionals such as accountants, lawyers, and physicians against negligence and other claims. General liability insurance policies do not offer protection against claims arising out of business or professional practices such as negligence, malpractice, or misrepresentation. Your exact needs will be specific to your profession and your business – we’re here to advise.

Employment Practices Liability

Employment practices liability insurance covers wrongful acts arising from the employment process, such as claims of wrongful termination, discrimination, or retaliation, and covers directors and officers, management personnel, and employees as insureds.

Surety Bonds

Surety bonds act as a guarantee to your client that your contract will be fulfilled within the determined provisions. We issue bonds for goods and services providers such as general contractors, subcontractors, service operators, heavy equipment contractors, suppliers, manufacturers, and specialty contractors.

Legal Expense

A legal expense insurance policy empowers you to reach a settlement, defend or pursue your rights in court, and take back control of your business without endangering your finances. This type of coverage is often added on to policies and can support you both personally and commercially.

Participant Liability

This offering provides coverage in a number of sports and leisure activities for participants and volunteers. It ensures that you, as an operator, are covered in the event of an accident from which a claim is pursued against you, in the event that your general liability coverage does not cover this circumstance.

Product Liability

Our product liability insurance makes sure that you are covered from any losses that result from third-party claims as a result of injury or property damage suffered due to a product you have sold to them.

Course of Construction (Builder’s Risk)

If you are planning a major renovation, adding to an existing building, or constructing something new, your standard commercial property or homeowner’s policy will exclude coverage during construction, so you will need a Course of Construction / Builder’s Risk policy. Policies can be customized for the coverage you need, whether it takes 3 months or 3 years. This includes soft costs incurred throughout the process (engineers, architects, permits) and your hard costs (labour, materials, subcontractors, etc.).

Wrap-up Liability

In addition to the property insurance portion of any construction project, liability must also be considered. If you are the property owner or general contractor, you’ll need general liability coverage for any potential injury or damage caused by your operations. You’ll also want to ensure that anyone working for you on the project as a contractor or subcontractor is covered. If their insurance is deficient or there are gaps, you will be held liable. A wrap-up liability insurance policy for the project acts as a blanket of coverage to protect everyone working on the project, providing one policy that covers all liability risks together.

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