d Property & Casualty | Linx

Property & Casualty

Our property casualty program is an exclusive suite of insurance products designed to protect clients of all sizes and complexities. We carefully analyze each company’s risk attributes and develop a customized solution that will protect their assets and financial growth. This is a national product exclusive to Linx.

Our offering includes

  • Property - no limit on the number of locations total TIV $25M
  • Commercial general liability - up to $10,000,000 per occurrence
  • Business interruption
  • Crime limit - up to $100,000 employee dishonesty
  • Equipment breakdown - written to the limit of the property
  • Terrorism up to $50M TIV limit
  • Cyber coverage (available) - up to $25,000 limit

Target Classes

  • Retailers
  • Wholesalers, distributors, importers and exporters
  • Small to medium size manufacturers including food processing
  • Professional services - office package
  • Real estate management
  • Franchises

Lines of Cover

  • Property
  • Commercial general liability
  • Crime
  • Cyber
  • Terrorism
  • Equipment breakdown
  • Business interruption

Highlights

  • Linx Underwriting Solutions Inc. manuscript wording
  • Canadian domiciled risk with incidental operations in the US
  • Property includes mobile contractors equipment
  • Worldwide coverage for liability
  • Sudden and accidental pollution coverage available
  • Flood, earthquake, sewer back Up coverage

Our offering includes

  • Property - maximum property/equipment breakdown limit of $20M
  • Commercial general liability - up to $10,000,000 per occurrence
  • Crime limit - up to $25,000 employee dishonesty
  • Equipment breakdown - written to the limit of the property
  • Business interruption

Target Classes

Coverage for aviation clients who have non-aviation exposures:
  • Aircraft commercial operators
  • Regional airlines and charters
  • Flight training
  • Skydive operations
  • Hangar only
  • Aircraft manufacturing (non critical parts)
  • Ramp services
  • Fixed base operations

Lines of Cover

  • Property
  • Commercial general liability
  • Crime
  • Equipment breakdown
  • Business interruption

Highlights

  • Manuscript custom wording
  • Property located in Canada with incidental operations in the US
  • Property includes mobile contractors equipment
  • Worldwide coverage for liability
  • Sudden and accidental pollution coverage available
  • Business interruption can be written on a gross rents or profits form
  • Flood, earthquake, sewer back up coverage

Excluded Classes

  • Hunting and fishing lodges
  • Marine risks

Our Offering Includes:

  • Primary, secondary, seasonal, tenanted, vacant and homes under construction
  • Maximum limits up to $15,000,000 in respect of any one building plus contents, additional living expense, outbuildings and scheduled articles. Subject to a maximum overall TIV of $30,000,000
  • Up to $5,000,000 any one accident in respect of Personal and Tenants Liability
  • Fine arts up to $50,000 ($10,000 per item)
  • Wine collections up to $25,000 ($1,000 per bottle)
  • Watercraft up to $10,000
  • Personal Property up to 70% of building value
  • Option for earthquake coverage in BC and Quebec
  • Short term rentals (available upon request)
  • Overland water (available upon request)
  • Home office/drones liability (available upon request)
  • Mechanical breakdown (available upon request)
  • Service line coverage (available upon request)

Target Classes

  • High value homes in excess of $750,000 building value
  • Seasonal/rented dwellings
  • Vacant
  • COC

Excluded Classes

  • Student housing
  • Sub-standard properties
  • Commercial risks

Our Offering Includes:

  • Property, no limit to the number of locations, up to $20M per location, higher limits are available
  • Commercial general liability - Up to $10,000,000 per occurrence
  • Business interruption - actual loss sustained
  • Crime limit - up to $100,000 employee dishonesty
  • Equipment breakdown - written to the limit of the property

Target Classes

  • Quick serve restaurants and franchises
  • Family style restaurants
  • Fine dining (will accept higher alcohol sales for this sector)
  • Catering companies
  • Chain restaurants
  • Food trucks (excluding hotdog carts)

Highlights

  • Linx Underwriting Solutions Inc. manuscript wording
  • Program can write up to 40% alcohol sales, higher sales are allowed for fine dining
  • Fine wine coverage endorsement is available
  • Program is able to subscribe on a larger schedule
  • Flood, earthquake, sewer Back Up coverage

Excluded Classes

  • Bars,
  • Night clubs,
  • Union halls,
  • Banquet halls

Coverage:

  • Up to $20M bodily injury/property damage
  • No general aggregate
  • Personal and advertising injury to include discrimination, humiliation and harassment
  • Employers liability
  • Worldwide coverage
  • US sales acceptable
  • Products manufactured outside of North America are acceptable
  • Abuse coverage - claims made

Target Classes

  • Manufactures
  • Importers/wholesalers
  • Exporters to the US
  • Non-profits
  • Retail classes

Excluded Classes

  • High liquor sales
  • Hot tar roofing
  • Pharmaceuticals - manufacturing/wholesale
  • Critical auto parts - manufacturing/wholesale
  • Airline parts - manufacturing/wholesale

Our Offering Includes:

  • Property - no limit on the number of locations
  • Commercial general liability - up to $10,000,000 per occurrence
  • Business interruption - actual loss sustained
  • Crime limit - up to $100,000 employee dishonesty
  • Equipment breakdown - written to the limit of the property

Target Classes

  • Grocery stores, including chains (rural or urban)
  • Convenience stores
  • Specialty food retailers
  • Meat and fish markets/including freezer
  • Fruit and vegetable markets
  • Clothing stores - independent and chains
  • Health and beauty products
  • Pharmacy - stand alone or within another location
  • Auto part retailers
  • Book stores, pet stores

Highlights

  • Linx Underwriting Solutions Inc. manuscript wording
  • Refrigeration systems coverage
  • Food contamination coverage
  • Flood, earthquake, sewer back up coverage
  • Peak season endorsement available
  • No exclusion for selling of alcohol or cigarettes

Overview

  • Property - no limit on the number of locations max TIV $10M
  • Commercial general liability- up to $10,000,000 per occurrence
  • Business interruption
  • Crime limit - up to $100,000 employee dishonesty
  • Equipment breakdown - written to the limit of the property
  • Garage automobile available

Target Classes

  • Service stations
  • Service stations with garage exposure
  • Car wash operations

Excluded Classes

  • Selling of used or leased vehicles
  • Heavy vehical repair
  • Snowmobile and snow machine repair

Highlights

  • Linx Underwriting Solutions Inc. manuscript wording
  • Property include mobile contractors equipment
  • Sudden and accidental pollution coverage available
  • Flood, earthquake, sewer back up coverage

 

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Property and Casualty