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Did you know that as a Board Member of a non-profit association or a private company, your personal assets are at risk? Claims are costly, even frivolous ones. The best protection is the transfer of risk. A Directors and Officers Liability policy, with its duty to defend feature, will provide you with a defence should you get sued pursuant to a decision made by you and/or the Board of Directors.
South Western Group offers a D&O policy tailored to both non-profit organizations and private companies. Some of our policy features and highlights include:

•    All-in-one policy includes D&O, Entity, Employment Practices, Fiduciary and Outside Directorship coverages
•    Legal expense coverage
•    Claims made policy
•    Full prior acts coverage - no retroactive date
•    Costs in excess
•    First dollar defence (deductible not applicable to defence costs)
•    Worldwide coverage
•    Broad definition of CLAIM, INSURED and WRONGFUL ACT.
•    Corporate brand protection - Crisis management event expenses coverage
•    Corporate investigation costs coverage
•    Pollution defence costs
•    Excess coverage for Side A (Directors and Officers)
•    Bi-lateral discovery period
•    100% defence costs allocation
•    Waiver of deductible in the event of no liability

Available extensions:
•    Board member travel accident coverage
Click HERE for an application!
To see if South Western Group is up to your next challenge, contact us at, call us at 1-800-668-4275 or click HERE to visit our website.
Providing "Professional Insurance Underwriting and Marketing through Service, Integrity and Stability" for over 50 years, South Western Group is proud to service our broker channel with our underwriting knowledge and expertise.

South Western Group has been one of Canada's leading specialty insurance providers since 1961.  We have dedicated teams that specialize in niche products to provide you with unique solutions. 
The Security Services industry is a demanding market segment and continues to grow.  As security businesses expand, the range of services they provide impacts their insurance requirements.  South Western Group's Security Package has been designed specifically for the Security Industry and offers the most important coverage required by this industry.... Failure to Perform and No General Aggregate.
Do your security guard clients offer Condominium Concierge Services?  We now offer a Bailee Customers' Rider for a nominal premium as required.

NEW!  Privacy Breach Event Expenses Coverage Rider now available.  This coverage provides "Privacy Breach Management Services" coverage and pays "Privacy Breach Expenses" that the Insured becomes obligated to pay as a direct result of a claim for an actual or alleged Privacy Breach.  Contact one of our underwriters today to find out more.

South Western Group provides Tattoo & Body Piercing, Permanent Makeup and Tattoo Removal Liability Insurance for professionals in the Body Arts Industry.  It is important for Tattoo Shops and professionals in this industry to have coverage for services they provide protecting themselves against an unfortunate claim that might occur.

Program highlights

  • Professional & General Liability including Products Liability for:
  • Tattoo (permanent or temporary including henna)
  • Body Piercing
  • Pigment Lightening Removal (Saline or Laser/IPL)
  • Beauty Professionals
  • Claims Made Policy 
  • Limit up to $5,000,000
  • Competitive premiums
  • General coverage options, entire shop(s), individual artist(s), Independent Contractors or landlords if desired
  • Coverage for piercing or tattooing of minors - with options to include piercing of ears, nose, navel, eyebrows & tongue
  • Coverage for Dermal Anchoring, Surface Piercing, Ampallang and Apadravya
  • Guest Artist and/or Piercer endorsement available
  • Communicable Disease ($50k sub-limit) coverage
  • Mobile Units endorsement available

We have been providing insurance coverage for tattoo, body piercing and permanent makeup artists for many years and our program is available Canada wide.  Applications and quotations are available in both French and English.   We continue to work with Insurance Industry leaders and our Brokers to develop coverages that recognize the specialty nature of these professionals and businesses.
To see if South Western Group is up to your next challenge, contact us at, call us at 1-800-668-4275 or click HERE to visit our website.
Providing "Professional Insurance Underwriting and Marketing through Service, Integrity and Stability" for over 50 years, South Western Group is proud to service our broker channel with our underwriting knowledge and expertise.

South Western Group is ready for Summer! With the sun comes seasonal risks, here are some that SWG can help you protect!
Get Your Food Truck Fix
As the weather warms up, diners can hit the streets and taste a variety of culinary delights, either locally inspired or tastes from afar.  Chip Wagons, Food Trucks, Hot Dog Stands - Mobile Food Vendors offer an experience like no other.  But along with providing a great customer experience, business owners must make sure they are properly protected against the unforeseen risks associated with such an endeavor.  SWG has you covered! 
We offer a Mobile Food Vendor policy that can suit the business owners' needs and provide peace of mind, offering combined property and liability protection.
Stay, Relax, Enjoy
South Western Group offers an Insurance Package specifically designed for Campground Owners.
Available Coverages Include:
•    Cover for Buildings: Equipment & Contents - Scheduled Form
•    Named Perils coverage ACV or All Risk Coverage including Replacement Cost and Consequential Loss (if risk qualifies)
•    Office Equipment Floater
•    Miscellaneous Property Floater
•    Boat and Motor Floater
•    Trailer Floater (trailers held for sale)
•    Non-Owned Trailers (legal liability for damage to customers trailer)
•    Broad Form Money & Securities  (if risk qualifies)
•    Commercial General Liability (up to $5,000,000 limit available)
Protect Your Fun
South Western Group works closely with numerous markets to offer many different coverages for your seasonal home or cottage. If your insured uses their cottage seasonally, or you use it as a secondary residence year round, we can find a package that's right for you!
Swim Safely
SWG offers a Swimming Instruction, CPR & First Aid Liability Program. South Western Group is a preferred supplier for the Canadian Red Cross. We can provide an insurance package which is available across Canada for Red Cross instructors and training partners, including swimming instruction for back yard pools.
Coverages include Commercial General Liability, Errors & Omissions, Malpractice and Non-Owned Automobile liability. Property coverage can also be obtained for equipment used in training and instruction.
Winner! Winner!
Looking to generate revenue or public interest in your insured's product? South Western Group can help to protect your client if there is a winner! 
With Prize Indemnity Insurance, the organizer can offer a large prize to attract players and have the confidence knowing that they are protected and reimbursed in the event that some lucky player actually wins.
Some examples of Prize Indemnity Insurance include:
•    Putting Contests
•    Hockey Shots
•    Helicopter Ball Drops
•    Dice Rolls
•    Lotteries
•    Envelope Picks
SWG has policies that can protect your clients if an Event is cancelled. Whether it is beyond the clients' control due to poor weather, or the venue being damaged forcing an event to be cancelled, we can provide a solution that can cover for loss of Cost & Expenses or Loss of Revenue.
We can also protect the organizers as a result of their legal liability from holding the event for injury to third parties watching or attending the event.
To see if South Western Group is up to your next challenge, contact us at, call us at 1-800-668-4275 or click HERE to visit our website.
Providing "Professional Insurance Underwriting and Marketing through Service, Integrity and Stability" for over 50 years, South Western Group is proud to service our broker channel with our underwriting knowledge and expertise.

South Western Group enjoys the challenging submissions we receive from our brokers.  It is how our talented staff maintain our reputation for excellence in underwriting.  With offices in Quebec, Toronto, Edmonton, and Vancouver SWG is there to help every step of the way.  Some of the recent challenges we have been presented with:
Classic Car
Insured purchased a $12,000,000 classic car that was being transported from the auctioneer to its display location.  In 24 hours, SWG assisted the broker in covering this single transit using our Lloyds of London customised High Value Automobile policy.

The Security Services industry is a demanding market segment.  As security businesses expand the range of services they provide, it impacts their insurance requirements.  The broker approached SWG for a $10MM CGL limit when their client entered into a new services contract.  The incumbent solution could not offer more than $5MM CGL.  Our experienced team was able to provide a solution that combined our Security Services industry product with our in-house Umbrella capability to meet their need.
Personal Lines
Our broker needed help.  Their client owned a high value log cabin in Prince George, British Columbia and the broker was having difficulty securing Guaranteed Replacement coverage.  A review of the inspection report satisfied our team that we were able to extend the required coverage to the insured's beautiful risk.
Commercial Liability
Our broker's client builds unique log homes.  Each one is handcrafted on site, then taken apart, shipped around the world, and reconstructed wherever the client wants.  To match this challenging world wide risk, the broker turned to SWG for our 'handcrafted' liability policy. 
Commercial Liability
Playgrounds are fun.  Insuring the distribution and installation of playground equipment is no walk in the park.  With exposure in the United States, South Western Group provided the required protection.

South Western Insurance Group Limited (South Western), Canada's leading Wholesale Insurance Intermediary/Managing General Agent, is proud to have partnered with a Specialist Insurer that has been the leader in servicing Faith Organizations and Communities for decades, globally and throughout Canada.
"This partnership positions SWG to meet the unique needs and interests of faith communities on a National basis," said John Barclay, CEO, SWG. "We pride ourselves on providing unparalleled customer service and through this partnership, we will be able to do that for a new breadth of prospective clients."
SWG's Faith product ensures superior protection and the most appropriate coverage for every situation, including physical and sexual abuse and also extends to cover Faith based schools.
The basic product covers Property, Loss of Income, Crime, General Liability, Pastoral Counseling, and more. It also includes extensions and options that are better than those generally available in the marketplace. For example:

  • Disappearing Deductible (Property Covers): the deductible does not apply if the amount of the loss exceeds $10,000
  • No deductible on General Liability coverages
  • Included Loss of Income and Crime limits with the option to increase where needed
  • No Maximum limit on stained glass, pipe organs or religious artifacts

A range of important supplementary coverages is also available, including:

  • Child Protection Coverage (Claims- made or Occurrence Basis)
  • Directors and Officers Liability
  • Umbrella Liability

"This product will empower brokers to deliver to a broader range of customers with specialized needs," said Barclay. "It is not always easy for faith organizations to access flexible and customized coverage to meet there needs. We are hoping to fill that gap."

Click HERE for additonal Product and Contact details.