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Coverages
Commercial Casualty
Commercial Property
Professional Liability
Environmental Impairment Liability
Stock and Transit
Classes
Construction
Manufacturing
Oil and Gas
Automotive
Hospitality
Security
Mining
Technology
Applications
i3 A&E E&O Application
i3 A&E E&O Renewal Application
i3 CGL Application
i3 CGL Renewal Application
i3 Construction Project Application
i3 Contractors Pollution Application
i3 Contractors Pollution Liability Renewal Application.pdf
i3 D&O Application.pdf
i3 Design Build E&O Application
i3 Environmental Legal Liability Application
i3 Inventory Application
i3 Cyber Short Form Application
i3 Misc E&O Application
i3 Misc E&O Renewal Application
i3 Strata/Condominium Subscription Submission
i3 Wellness Application
Non-Material Claims Disclosure Statement
Coronavirus (COVID-19) Update
  • i3 Inventory
    Stock Throughput Insurance - An ugly name but beautiful coverage!
  • i3 Wrap-Up Liability
    Covers owner's and contractor's interests in a single policy for a specific construction project
  • i3 Course of Construction
    With limits up to $60,000,000 on frame and non-frame risks
  • i3 A&E
    Coverage for design professionals of all types
  • i3 Wellness
    Comprehensive package designed to cover all types of alternative medical risks
  • i3 Inventory

    "Stock Throughput Insurance - An ugly name but beautiful coverage.”


    Don’t be put off by the “ugly” name - we prefer the simple title “inventory insurance”, which is why our coverage is called “i3 Inventory”.


    i3 Inventory is a single policy that insures a company’s raw materials and its inventory from the source of production to its final destination, whether at a place of storage or a retail store, or in transit to an end user. Cover includes raw materials, work in progress during the manufacturing phase, and finished products - anywhere in the world. i3 Inventory combines traditional insurance policies - ocean cargo insurance; aviation cargo; inland transit; property/storage; business interruption - into a single policy. 
The benefits of i3 Inventory coverage are:

    • Seamless asset protection throughout the insured's supply chain, from purchase of raw materials to finished product inventory
    • Designed for companies that manufacture, import, distribute, or export merchandise
    • Almost any type of business can benefit from i3 Inventory - we can cover almost everything that is shipped from raw materials, foods, produce, to finished products such as autos - even hazardous materials, unusually large loads and biotech material
    • “All Risks” cover for all moveable goods (inventory) that are the subject of the insured’s trade, including raw materials, semi-finished, and finished products
    • Removing stock and inventory values from traditional fixed Property insurance frees-up expensive “catastrophe” insurance capacity.
    • Goods are covered at all times whether being manufactured or assembled, in transit, or in storage at owned or third party premises
    • i3 Inventory combines the traditionally separately purchased insurance policies of marine cargo, inland transit and stock property insurance, providing seamless asset protection throughout the insured’s supply and distribution chain
    • i3 Inventory is one global policy versus several policies = simple, easier risk and policy management.No potential 'gap' in insurance, no disputes as to which insurer is responsible, and a seamless claims settlement
    • More efficient risk management, i.e. one policy versus several policies
    • Better pricing is possible with a single policy
    • Better deductible levels
    • i3 Inventory provides capacity for catastrophe perils, such as windstorm, flood and earthquake shock, where little may otherwise be available
    • i3 Inventory eliminates the need to purchase a separate, stand alone cargo policy, thus freeing up those dollars to be used to enhance the client's core property coverage
    • i3 Inventory offers the option of a Selling Price valuation basis that includes the insured’s mark-up, thus reducing the need for Business Interruption insurance
    • i3 Inventory can be extended to cover the deposit the Insured has paid for goods which are then damaged by an insured peril before they are received by the insured, e.g. when the goods are damaged by a fire at the manufacturer’s factory before the insured has title
    • Contingent business interruption can be added, e.g. for the delay of a start-up business due to loss or damage to inventory
    • The risk of increased costs incurred in obtaining alternative warehousing following loss or damage to inventory can be covered by means of Extra Expense coverage
    • Coverage for goods detained by governments can be provided. Coverage for goods which cannot be accessed because of a governmental or civil authority denying the Insured access to the goods because of an insured peril can be covered, even though the goods themselves are not physically damaged
    • Business Interruption exposure under non-marine property policies, and therefore less cover is required and overall premium costs are reduced
    • Capacity to excess of CAD 500,000,000 any one loss any one location
    • i3 Inventory offers flexibility of coverage, which can be on a stand-alone basis, a dual cover basis (with the use of joint loss and joint deductible clauses), an excess basis or as reinsurance, either for a commercial insurer, or for a captive insurer



    Why should your client buy i3 Inventory insurance?


    The benefits of i3 Inventory are many. When a business depends on raw materials, a manufacturing process, shipping and warehousing, it cannot afford to wait for insurers to battle out their legal disputes before it is reimbursed for damaged or stolen inventory. i3 Inventory provides one policy and one insurer for your clients’ needs, door to door over land and sea, so your clients’ goods are good to go!


    To download an application please
    click here.
  • i3 Wrap-Up Liability

    The Wrap-Up Liability policy covers owner's and contractor's interests in a single policy for a specific construction project. These interests include contractors, owners, architects, engineers, sub-trades, and more. The Wrap-Up policy removes the necessity for separate policies for each party, since all parties are protected by the Wrap-up policy, thus greatly simplifying the settlement of claims by eliminating lengthy litigation to establish blame.

    With i3's Wrap-Up Policy we are able to offer broad coverage standard on most policies. These coverages include:


    • Products and Completed Operations including 24 months past the project termination date
    • Sudden and Accidental Pollution Coverage       
    • Non-Owned Auto Liability
    • Tenants' Legal Liability
    • Fire Fighting Expense
    • Voluntary Medical Payments

    With this product i3 is able to quote on small and large risks and for most construction types including frame, masonry, and fire resistive. Annual polices are also available
    • Minimum Premium: $1,250
    • Commission: 15%

    If you would like to send a submission click here.
    Email i3 >

    To download an application please click here.
  • i3 Course of Construction

    i3 can offer course of construction insurance with limits up to 60,000,000 on non-frame risks.

    We can provide coverage on many types of risks including but not limited to:

    • Buildings
    • Renovation Projects
    • Roads and Bridges
    • Tenants Improvements
    • Infrastructure Projects


    Coverage extensions can include:
    • Transit/Any Other Location
    • Soft Cost Endorsement
    • Expediting Expense
    • Extra Expense
    • Testing and Commissioning
    • Fire Fighting Costs
    • Polluant Clean-up Costs


    Coverage can be offered 100% or on a subscription basis.
    If you would like to send a submission click here.
    Email i3 >

    To download an application please click here.
  • i3 A&E

    i3's Architects and Engineers errors and omissions policy offers coverage for design professionals of all types. Coverage can be offered for:
    • Architects
    • Engineers
    • Design Firms
    • Land Surveying
    • Construction Management Firms and more

    i3's coverage can include:
    • Coverage for Civil Liabilities
    • Representation Costs
    • Copyright Infringement Costs
    • Loss of Documents
    • Pollution
    • Attendance Expenses

    If you would like to send a submission click here.
    Email i3 >
  • i3 Wellness

    This comprehensive package is designed to cover all types of alternative medical risks. From Acupuncture to Zumba Instructors and everything in between.

    i3 Wellness is a single seamless policy that covers:
     
    • Commercial General Liability
    • Including Products Liability
    • Medical Malpractice
    • Abuse coverage
    • Property coverages
    • Complete with extension package


    Pricing for this product is very competitive with premiums as low as $125!

    Please search below for any class you are looking for!

    Acceptable Business Activities:

     

    Click here to download an application. i3 will accept most standard market applications.

    If you would like to send a submission click here. Email i3 >
  • i3 Niche

    i3 Niche offers strong casualty coverage. Coverage can be provided for, but is not limited to:
    • Pharmaceutical Companies
    • Nutraceutical Companies
    • Auto Parts (new and used)
    • Auto Wreckers
    • Mining Companies
    • Chemical Manufacturing
    • Ship Repairers Legal Liability

    If you would like to send a submission click here.
    Email i3 >

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One reason may be that i3 aims to add efficiencies for both the broker and insurer through the introduction of easy to use, on-line services.
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COVERAGES

Commercial Casualty Commercial Property Professional Liability Environmental Impairment Liability Drones

CLASSES

Construction Manufacturing Oil and Gas Automotive Hospitality Security Mining

APPLICATIONS

Esurance TECH ProSurance A&E MedSurance BioSurance R&D Esurance TECH Renewal Prosurance Pro Renewal More...