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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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Safety

Safety Policies
Safety Manual
Toolbox Talks

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Communication

Social Media Plan
Continuity and Disaster Plans
Workplace Wellness

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Ongoing

Monthly Newsletters
Regular Updates on Risk and Coverage

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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 extentions
  • 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 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 organizations 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

From office, retail and industrial real estate holdings to large complexes with multiple locations, commercial 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 ground water seepage
  • Malicious damage caused by employees
  • Electrical current surge
  • Earthquake and/or Flood Coverage
  • Umbrella Liability Coverage

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 ground water 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

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

08.14.18

Moving Checklist


Are you moving or purchasing a new property? We have a checklist for that....

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Workplace Violence Threats


Learn more about workplace violence threats and how to detect, assess and manage these threats and behaviour....

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The Cliff's Notes of Life Insurance


Life insurance is not something many like to think about... but if you have dependents who rely on you for financial support, then life insurance is really about...
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What is Professional Liability


Professional liability—sometimes called Errors and Omissions (E&O) liability—results from errors or omissions in the performance...
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