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Our Services

Protect everything you’re working for.
We make sure your coverage fits perfectly.

The best package is our policy.

We’ll provide you with a team of specialists who understand your business and industry sector. As brokers, we have access to the top insurers in Canada and once we understand your specific needs, we’ll be able to custom tailor a package that provides cost-effective coverage; nothing more, nothing less. Since we’re independent of all insurance companies, you can be assured the advice we provide is 100% focused on you and your business.

All insurance brokers offer coverage. Only we provide prevention. At no extra charge.

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Ongoing

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The industries we service.

Construction

As a contractor, you’re the expert in your field… let us show you why we’re the expert in ours. You build it, we’ll protect it. Our customizable Contractors Insurance allows us to find the best fit for your specific needs.

  • Protection for equipment, legal liabilities, as well as building, contents and crime
  • Installation, tool, and equipment extensions
  • Replacement cost valuation on contractors equipment
  • Equipment rental reimbursement expense and contractor’s property in transit
  • Wrap-up and excess liability
  • 1-hour issuance

Commercial Marine

Marine related risks don’t have to be a pain in your rudder, we’re here to help. We’ve earned an unparalleled reputation as experts in all kinds of marine-related risks. We think it’s important our clients understand and stay up-to-date on marine-related insurance needs, options, risks and exposure.

  • Coverage for inventory and stock
  • Care, custody and control of third party vessels, including coverage for damage to vessels owned by clients
  • Errors and omissions causing financial losses for clients
  • General liability for bodily injury
  • General liability for third-party property damage
  • Coverage of offices, buildings, contents and equipment or other assets of a non-marine property

Fleet

Whether you’re an experienced fleet manager for a large operation or an individual who manages a small number of company vehicles, the easiest and simplest way to protect your company’s vehicles and your drivers is through our commercial auto experts. We can offer various coverages, rates and deductible options to best suit your needs.

  • Accidents Benefits Coverage
  • Third-Party Liability Coverage
  • Uninsured, Underinsured or Unidentified Motorist coverage
  • Collision Coverage
  • Comprehensive Coverage
  • Family Protection Coverage

Hospitality

The day-to-day pressures of working in the hospitality industry are hard enough, we get that, that’s why we’ve created our services to give you what you need most… convenient, reliable and stress-free insurance packages.

  • Property, Business Interruption, Crime Coverage
  • Equipment Breakdown Insurance including Spoilage Coverage
  • Liability and Innkeepers Legal Liability
  • Earthquake, Flood, and/or Sewer Backup Coverage

Manufacturing

The manufacturing industry has unique needs and no one simple answer for all. Our brokers know how to navigate the intricacies of insurance and provide comprehensive coverage designed specifically for manufacturers.

  • Property, Business Interruption, Crime and General Liability Coverage
  • Equipment Breakdown Insurance including Production Machinery
  • Commercial Automobile Coverage
  • Earthquake, Flood, and/or Sewer Backup Coverage
  • Directors and Officers Coverage
  • Specialized Coverages such as (but not limited to): Moulds and Patterns, Brands and Labels, Fines or Damages for breach of contract, Mortgage Rate Guarantee, Expediting Expenses

Non-Profit

Your board members are volunteers who often make difficult decisions… managing your organization’s risk doesn’t have to be one of them. Despite good intentions, no company is excused from the possibility of a personal injury claim or the chance of a workplace violence occurrence. Even for a non-profit organization, the need for sufficient and comprehensive coverage is essential.

  • Combined Errors & Omissions / Directors & Officers Coverage
  • Full entity coverage protects the individual organization against Wrongful Acts committed by an insured
  • Outside Directorship Coverage
  • Employment Practices Liability Coverage
  • Spousal Liability Coverage
  • Extended reporting period

Realty & Strata

From office, retail and industrial real estate holdings to large complexes with multiple locations, real estate owners are exposed to a variety of risks. Our experienced brokers help you choose and review the right coverage. It’s our job to find the ideal solutions for your unique risks.

  • Property, Rental Income, Equipment Breakdown, Crime, General Liability and Non-Owned
  • Automobile Liability
  • Sewer backup and groundwater seepage
  • Malicious damage caused by employees
  • Electrical current surge
  • Earthquake and/or Flood Coverage
  • Umbrella Liability Coverage

 

Schill Strata Shield Protection

Since every strata is unique, there is a lot to consider when purchasing strata insurance and many different packages are available. With our Strata Shield Protection, you can sleep a little better at night knowing you are completely covered.

Services

Despite how careful we are, some things are just beyond our control. As a business owner, you want to make sure all your bases are covered… Schill can help. We have over 40 years of experience handling risk management and determining the right coverage for the many varying professional services industry.

  • Property, Crime and General Liability Coverage
  • Non-Owned Automobile Liability
  • Business Interruption
  • Equipment Breakdown Insurance
  • Travellers’ Excess Medical Expense
  • Earthquake, Flood, and/or Sewer Backup Coverage
  • Sewer backup and groundwater seepage
  • Malicious damage caused by employees

Wholesale & Retail

As a busy business owner, you have enough to handle on your own, solutions to your total cost of risk really shouldn’t be added to the pile. That’s where we come in. Our approach includes a thorough assessment of your risks and solutions tailored to meet your specific needs.

  • Newly acquired property, including newly acquired contents in the U.S.
  • Peak Season Increase on Stock
  • Expediting Expenses
  • Business Interruption
  • Equipment Breakdown Insurance including Production Machinery and spoilage of products under refrigeration
  • Umbrella Liability

New Home Warranty

New homes built in British Columbia are protected by 2-5-10 home warranty insurance, as set out by the Homeowner Protection Act of BC.

Your new home’s mandatory warranty insurance includes the following:

  • Coverage within  the first 2 years on labour and materials
  • 12 months coverage for defects in material and labour for your unit
  • 15 months coverage for defects in material and labour for the common property in a multi-unit building
  • 24 months coverage for defects in material and labour for major systems (eg. heating, electrical, and plumbing)
  • 5 years coverage on the building envelope, including coverage on unintended water penetration
  • 10 years coverage on major structural items

Trade Credit Insurance

Guarantee Trade Credit Solutions provides a customizable suite of products to protect your accounts receivable from losses arising through the insolvency or non-payment of domestic and international buyers.

Counterparty risk is a key consideration when it comes to extending credit, whether at home or abroad. Our Trade Credit products have been thoughtfully designed to mitigate the risks of non-payment and to provide specialty coverage wherever our clients are positioned in the supply chain.


We specialize in small business insurance needs.

Starting a small business? Studies show about 49% of startups in Canada fail within the first 5 years. Many times because of improper planning, lack of business knowledge, failure to conduct market research or simply setting unrealistic expectations.

Help manage that risk with our Small Business Start-Up Series™ – free PDFs outlining steps you should take to help ensure your startup is successful.

Download PDF

3D Protect Program™

Business isn’t one dimensional and we don’t think your insurance should be either, that’s why we developed our 3D Protect™ Risk Management Program for business clients. Framed from experience, the aim of the 3D Protect™ is to proactively, but without major imposition, begin to raise the profile of what risks exist within your company.

Protecting what's important:

People

Property

Profits

04.21.20

Managing Remote Employees Checklist


For some employees, working from home is business as usual. For others, this may be the first time they’ve telecommuted. This working arrangement may seem exciting at first, but it can lose its lustre over time, resulting in disengaged employees. And, when employees aren’t engaged, their productivity and motivation can suffer....

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04.21.20

COVID-19 Idle Facilities Checklist


Idle properties are at a greater risk of arson, vandalism and theft. Property damage can also occur from more common perils such as burst pipes and leaking roofs. This means that a higher level of attention to the condition and security of your property is needed to manage these situations....

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05.29.20

Who Pays for Water Damage - The Strata Insurance Policy or the Unit Owners?


When there is damage caused by water within a Strata complex, many ask the question “whose responsibility is it to repair the damage from the water?”  The above...
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04.28.20

COVID-19 FAQ's


Are your locations open to the public? You betcha. All our offices are open and we are happy to help. We are back to our regular hours of...
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