Construction Project
How To Handle Construction Delays Due To Permit Issues
Construction projects in Ontario often face a variety of challenges, with permit issues being one of the most common. When permits are
May 4, 2026
Insights
Insights for brokers who place surety and specialty risks.
Broker Insights: Surety, E&O & Specialty Lines | Approved - Page 6 articles for brokers
Underwriting notes, bond fundamentals and placement guides from the Approved team. New articles most weeks.
All articles
Errors and Omissions
Top-Rated E&O Programs for IT Consultants: What Brokers Should Look For
IT consultants face complex risks that can lead to costly disputes. E&O insurance helps cover errors, delays and contract issues, but many projects also involve physical exposure. This guide explains how brokers can structure strong E&O programs and when to combine coverage with builder’s risk insurance to protect clients working across both digital and construction environments.
April 30, 2026
Errors and Omissions
How Digital Communications Can Lead To Errors And Omissions Claims
Digital communication helps brokers respond quickly but can also create risk. Misunderstood emails, missing details and poor documentation can lead to errors and omissions claims. This guide explains common communication mistakes, how to reduce exposure and why combining clear processes with E&O insurance is essential for protecting your brokerage.
April 27, 2026
Vacant Dwelling
Can Vacancy Dwelling Policies Deny Claims During Holiday Breaks?
Holiday breaks can expose vacant properties to serious insurance gaps. When homes sit unoccupied, policy terms may shift and claims may be denied if conditions are not met. This guide explains how brokers can identify vacancy risks, review coverage before the holidays and ensure proper protection for their clients during high-risk periods.
April 24, 2026
Surety Bonds
When a Contractor Outgrows Their Bonding Capacity
A practical look at how brokers can support contractors outgrowing bonding capacity, including underwriting considerations and positioning strategies.
April 21, 2026
Insurance Policy
Are Employment Disputes Covered By Legal Expenses Insurance?
Employment disputes can create significant legal costs for businesses. Legal expense insurance helps cover defence costs, settlements and legal advice. This guide explains how coverage applies to employment disputes, where limitations exist and how brokers can use it to strengthen client risk management and maintain business stability.
April 20, 2026
Surety Bonds
What Underwriters Need in a Bond Submission: A Practical Guide for Brokers
A practical guide to bond submission requirements for brokers, including financial statements, WIP schedules, and key project details that help underwriters respond faster.
April 17, 2026
Builder's Risk
Preparing Course of Construction Sites for Freezes and Power Loss in Ontario
Winter conditions can create serious risks for construction sites, including freeze damage, power loss and material deterioration. This guide explains how brokers can prepare clients with the right course of construction insurance, identify coverage gaps and ensure projects remain protected throughout Ontario’s cold season.
April 16, 2026
Surety Bonds
Contract Surety in Canada: What Brokers Need to Know
A practical introduction to contract surety in Canada for brokers, including tender bonds, final bonds, and how the bonding process works.
April 13, 2026
Builder's Risk
What Ontario Brokers Forget About Course of Construction Timelines
Residential course of construction policies are built around timelines. But projects rarely stick to the ones written on paper.
April 13, 2026
Submissions
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