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Specialty

Specialty programs for the risks standard markets pass on.

Builders risk, course of construction, vacant property, legal expense, professional E&O and trade credit, each placed through a program built for the risk. Send the file and an underwriter tells you where it fits.

Send a submission
Call 1-877-495-8777
Lloyd's CoverholderDomestic and international underwriters, including Lloyd's24/7 live receptionist 1-877-495-8777

The 60-second version

What you need to know before you call the client back.

Three answers for the broker with a client on the other line. The full guide is below for when you have ten minutes.

What a program is

A program is a set of underwriting rules, forms and limits built for one type of risk, so the right files place faster and on the right wording.

When to use one

When the standard market restricts or declines the risk: an empty house, a renovation, a new build, a professional class, a business that wants its legal costs covered.

What you send

The application or the key facts. The fit check on each program page tells you if it is worth sending today.

The full guide

The specialty programs, side by side.

Programs we place

ProgramHighlightsRead more
Builders risk (renovation)Existing building to $2M, TIV to $3M, 3 to 18 month termsBuilders risk
Course of constructionNew builds up to $2M, soft costs and transit sublimitsCourse of construction
Vacant propertyResidential to $3M, commercial to $2M, liability to $2MVacant property
Legal expense$50,000 per claim, $100,000 aggregate, 24/7 legal adviceLegal expense
Condo legal expense$200,000 per claim, $1M aggregateCondo legal expense
Errors and omissionsSix professional programs, limits to $5M, instant quotesE&O
Trade creditReceivables protection, underwriter-placedTrade credit

Limits are program maximums, subject to underwriting.

Why brokers use programs

  • Wordings built for the risk, not a standard form with exclusions bolted on.
  • Clear appetite, so you know a file fits before you send it.
  • Underwriters who see the same type of file every day.
  • One back-shop for the program and the rest of the account.

Warranty programs

Approved also places warranty programs. See warranty programs for details.

What to send

What to send for any specialty program.

Underwriters move fast on complete files and slow on files that make them chase. Send the package below to submit@approvedcasualty.com or through the submission form, and put the effective date in the first line.

  1. 01
    The application or key facts

    Ours, the incumbent's, or the facts in an email.

  2. 02
    Property or project details

    Address, value, occupancy, scope and schedule.

  3. 03
    Business details

    Operations, revenue and employees.

  4. 04
    Claims history

    Claims in the last five years.

  5. 05
    Current cover

    Expiring declarations and wording.

  6. 06
    Effective date

    When the client needs cover.

The 60-second fit check

If the file clears all five, send it today.

  • You know which program fits.
  • The risk sits inside the program limits.
  • You have the key facts.
  • The client is in Canada outside Quebec.
  • You know the effective date.

Every risk is subject to underwriting. Limits shown are program maximums. Terms and premium are set from the file. Nothing on this page is an offer to bind cover.

Insurance application form, pen and laptop on an underwriter desk

Where we write

Program notes.

Canada

Programs are written for Canadian clients outside Quebec.

Subject to underwriting

Limits are program maximums. Terms are set on the file.

Markets

Domestic and international underwriters, including Lloyd's.

Approved places insurance for Canadian clients outside Quebec. Report a claim to claims@approvedcasualty.com or through the claims page.

Broker FAQ

The questions brokers ask on the first call.

Not covered here? Call 1-877-495-8777 and ask for an underwriter.

What is a specialty insurance program?

A set of underwriting rules, forms and limits built for one type of risk, such as vacant homes or renovations, so those files place on the right wording.

Which programs does Approved offer?

Builders risk, course of construction, vacant property, legal expense, condo legal expense, six E&O programs and trade credit, plus warranty programs.

Are the limits guaranteed?

No. Limits shown are program maximums. Every risk is subject to underwriting.

Can I quote any program online?

E&O quotes online for six professional programs, with optional CGL and legal expense. Other programs go to an underwriter.

Do you write in Quebec?

No. Programs are written outside Quebec.

What if my file does not fit a program?

Send it anyway. An underwriter will tell you if another market fits.

Keep reading

Pick a line.

Builders risk

Renovations of existing buildings.

Read

Course of construction

New builds up to $2M.

Read

Vacant property

Empty homes and commercial buildings.

Read

Legal expense

Legal costs and 24/7 legal advice for businesses.

Read

Condo legal expense

Legal expense cover for condo corporations.

Read

Errors and omissions

Six professional E&O programs with instant quotes.

Read

Trade credit

Receivables protection against non-payment.

Read

Specialty contractors

CGL for trades with manual work included.

Read

All insurance

Every insurance line in one place.

Read

From the blog

Insurance articles for brokers.

All insurance articles

Next step

Have a client who needs cover? Send the file.

Use the submission form below, email the file to submit@approvedcasualty.com, or call 1-877-495-8777 and ask for an underwriter. A person reads every submission and comes back with terms or questions.

Send a submission
Email submit@approvedcasualty.com