Beyond the Policy

The Worst Possible Moment

New Beyond the Policy episode dropping Monday, May 25th The bike is out. Is the policy caught up? The five-minute coverage review every motorcycle client should be having right now.

The Marina Mistake Every Broker Hears About in May.

Boating season is here. From Muskoka to Howe Sound, every marina is about to fill up. And every May, brokers across Canada take the same call from clients: "I clipped the dock."The most common claims of the season are also the most preventable, which is exactly why the spring conversation matters more than the post-incident one. In our latest Beyond the Policy episode, hosts Sarah Mitchell and Liam Fraser walk brokers through what every pleasure craft client should be reviewing before the first warm Friday afternoon. For brokers, Beacon Boats and Personal Watercraft coverage is available through the SPGC Portal at portal.spgcanada.ca — quote, bind, and issue 24/7. If you’re a boat owner listening — whether you’re heading to Muskoka or to Howe Sound this weekend — send this episode to your broker. The renewal conversation is a much better one than the claims conversation.

When Claims Come Back to Haunt You - Why A&E Firms Can't Survive on Standard E&O

Canada's $50 billion architecture and engineering industry is booming with massive infrastructure investment, but most A&E firms are dangerously underinsured. StandardE&O policies miss critical exposures like pollution liability, joint venture coverage, and intellectual property risks. Sarah Mitchell and Liam Fraser break down why design professionals need specialty coverage for long-tail claims, personal tort liability, and evolving technology risks. FromBIM software to AI design tools, this episode reveals the gaps that could cost architects and engineers their careers — and how specialty A&E coverage actually protects what they've spent years building.

Sweet Lessons for Bitter Risks- What a Missing KitKat Truck Taught Us About Insurance?

Everyone followed the KitKat heist. 12 tonnes of limited-edition Formula 1 chocolate, stolen in transit between Italy and Poland. But what does a business actually learn from it? In this episode, Sarah and Liam break down five insurance lessons hiding inside the story and give business owners and their brokers a simple, actionable checklist. Short, fun, and straight to the point.

When the Shaking Stops, Are You Actually Covered? Earthquake Deductible Assessment vs Earthquake Deductible Buydown

Your condo client just got a twenty-thousand-dollar bill from the strata. Your homeowner client is staring at a four-hundred-thousand-dollar deductible. Same earthquake. Completely different problems. Completely different solutions. Sarah Mitchell and Liam Fraser walk through the two residential earthquake coverages every BC broker needs to understand and why mixing them up could leave a client exposed. Part 2 of 2. https://spgcanada.ca/personal/earthquake/ [https://spgcanada.ca/personal/earthquake/]