A rather special risk
The center of a building owner’s business is their property, so it’s critical to protect. Besides regular property maintenance and diligent tenant selection, appropriate insurance coverage is essential.
Where standard markets increasingly shy away from these businesses due to a rise in claims frequency, older construction and other challenges, APRIL Canada stands out above the rest by continuing to underwrite the individual risk and provide tailor made terms and coverages.
Target Clients
Commercial, Industrial or Residential clients, including:
- Shops & Stores
- Offices
- Plants & Industrial Parks
- Bars, Restaurants & Hotels
- Apartments, Condos, Stratas
- Rented Dwellings
- Vacant properties
- Mixed use buildings
Coverage features
- Property-capacity up to $10 million including :
- Buildings
- Equipment & Machinery / Boiler
- Business interruption / Rents
- Flexible Liability Options up to $ 10 million including :
- Owner’s Landlords & Tenants Liability
- CGL
- Comprehensive frills package including :
- Building Ordinance & Law
- Additional Coverage available :
- Sewer back-up
- Earthquake and / or Flood
- Crime – including :
- Employee dishonesty
- Cash and value
Underwriting Considerations
- Providing both 100% terms or participation
- Vacant or occupied
- Named Perils or All Risk
- OLT or CGL
- Various constructions including frame
- All levels of protection classes (protected, semi-protected and non-protected zones)
- High Risk occupancy
- Claims
DownloadApplication
Download ApplicationProperty/CGL Application Download Application
Vacant commercial building Download Application
Capacity request Download Application
Commercial renewal (short form)
DownloadFeature Sheet
Download SheetAPRIL - Realty Insurance Feature Sheet
Adam Hinks
Pearson Dunn
APRIL has assisted me on numerous occasions with very challenging and tough to place risks and the results have been fantastic. Terrific turnaround time on quotes from their underwriters and a willingness to listen to the whole story and help find solutions really exemplifies what APRIL is all about.
Sophie Poulin
Fortin Ouellet
APRIL stands out from other MGA`s due to the simplicity of their web service and their quick responses
Line Gagné
Harmonia Assurance
APRIL is an MGA which listens to its brokers.