Classes We Write

At Xpert Underwriting, we offer placements for a wide variety of risks. Some of the things we specialize in include:

  • Property, liability, equipment breakdown, and crime for a variety of small contractors, manufacturers, wholesalers, and retailers
  • Builders risk, wrap up, and equipment breakdown (including testing and commissioning) for a wide variety of construction projects, including large frame, infrastructure, single home, renovations, and more.
  • Complex liability placements for large risks
  • Errors and Omissions Liability, including oil and gas, staffing and employment agencies, and design, construction and engineering (excluding structural, geo-technical and marine)
  • Vacant buildings and vacant land
  • Liability for professionals of all sorts
  • Pet related businesses, including walkers, trainers, groomers, and kennels / daycare
  • Event cancellation

All of the above come with the astonishing turnaround times you’ve come to expect from Xpert!

Unsure if your risk fits? Please feel free to call us to discuss any account, any time, at 647.250.7364 or toll free at 1.888.245.2782. In the rare case we can’t help, we’ll be happy to point you in the direction of someone who can. 


Here is a more detailed list of the types of accounts we’ve had success with:

Contractors with Complex Exposures (including New Ventures):

  • Airport exposures
  • Asbestos and UFFI (insulation) clean up and abatement/remediation
  • Blasting
  • Bridge work
  • Burglar alarm/fire alarm installation
  • Dam work
  • Demolition/wrecking
  • Dredging
  • Excavation/sub-surface work
  • Fire restoration
  • Fireproofing
  • Marine/barge
  • Millwright contractors
  • Mould and pollution removal/remediation
  • Nuclear exposures
  • Piers/wharves/docks
  • Pipelines
  • Railway exposures
  • Road building/road maintenance
  • Sewer/watermain
  • Snow removal (minimum $1M snow receipts)
  • Sprinkler installation
  • Subway exposures
  • Tunnel work
  • Underpinning
  • Waterproofing

Available coverages include:

  • Commercial general liability (CGL)
  • Excess liability
  • Umbrella liability
  • Professional liability (E&O)
  • Directors and officers (D&O)
  • Pollution liability (EIL)
  • Wrap-up liability
  • Contractor’s equipment floater
  • Builder’s risk
    • Soft costs
    • Extra expense
    • Expediting expense
    • Business interruption including delayed start-up
    • Equipment breakdown including testing and commissioning
  • Installation floater
  • Cyber

Manufacturing, Wholesaling (including sales to US)

    Sample classes:

    • Apparel
    • Chemical
    • Electrical equipment
    • Food
    • Industrial and commercial machinery
    • Leather
    • Printing and publishing
    • Sawmills

    Available coverages include:

    • Commercial general liability (CGL)
    • Excess liability
    • Umbrella liability
    • Products recall
    • Professional liability (E&O)
    • Directors and officers (D&O)
    • Pollution liability
    • Equipment breakdown
    • Cyber

    Special Situations – Non Standard Risks

    • Nutraceuticals (manufacturers, distributors, retailers)
    • Risks with losses
    • Vacant risks

    Small Businesses of All Kinds

    • Retailers
    • Community services
    • Liability for professionals
    • Farmers markets
    • Mobile vendors
    • Beauty and therapies

    …and a whole lot more!

    Don’t see your risk on the list? Give us a call at 647.250.7364 or toll free at 1.888.245.2782 and we’ll be happy to see if there’s a way we can help.