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OARTY

The Ontario Association of Residences Treating Youth (OARTY), through its member agencies, promotes the provision of high quality residential (group & foster) care for vulnerable children, youth, young adults and their families. Carruthers Nicol administers insurance packages for Property, Liability, Automobile and Director's and Officers coverage plus group benefits for OARTY members.

Click here for Request for Quotation for Group Benefits.

Contact Marlene Bell or Rob Cordell for further information

CACPT

CACPT is Canada's National Play Therapy Association. Members of the Canadian and Child Play Therapy Association are eligible for Professional Liability and Commercial General Insurance programs.

Click here to review Insurance Program Questionnaire.

Contact Marlene Bell, CIP for further information.

CHAMBER OF COMMERCE
GROUP INSURANCE PLANS

Whether you’re a one-person firm or have as many as 50 employees, choosing a custom benefit program is easy and affordable with the Chamber’s Group Plan.

Click here to find out more

Contact Don Sweatman for further information.

Got an insurance claim?
Call our toll-free 24-hr "live" phone service 1-877-376-5350.

Commercial Insurance

Protecting Your Business

• Professional team approach committed to client service
• Hands on Risk Management solutions
• Live operator claims reporting available 24 hours a day

Our representatives are experts in their respective fields understand the industry and can provide in-depth analysis of virtually any business, group or personal insurance requirements. We have the skill, knowledge and market selection to ensure we deliver the appropriate insurance solutions in an effective and efficient manner. Our commitment to client service sets us apart. We use a true team approach, assigning three people to each account. In today’s world of risk, expert guidance is perhaps your most valuable resource whether it’s protecting your assets, operations or employees.

Our size and experience allows us to serve many different industries and businesses providing both traditional and specialty insurance products. We have the ability to offer Loss Prevention, Risk Management and Safety Education services. Lots of choice, lots of flexibility.

A key point which distinguishes us from our competitors is our dedication and commitment to claims handling, as evidenced by our live operator claims reporting available 24 hours a day, 7 days a week. We pay for this service because you don’t want to end up in voice mail if you have an after-hours claims incident to report!

Products & Services

Here’s a sampling of services we offer to our business clients:

• Property (Buildings, Contents, Tenants Improvements)
• Business Interruption
• Commercial General Liability
• Commercial Excess & Umbrella Liability
• Products Liability (including Product Recall/Tampering)
• Directors and Officers Liability (Profit & Non-Profit)
• Professional/Errors & Omissions Liability
• Fidelity and Crime
• Bonding/Surety
• Equipment & Machinery Breakdown
• Environmental Liability
• Retailers’, Manufacturers’ and Contractors’ Package Policies
• Special Events

Contact one of our specialists

To offer our customers the best possible service our representatives have developed their expertise in specific types of commercial insurance. Click on their name to read a brief background piece. We want you to know who you will be dealing with.

Industrial

Programs

Specialty & Miscellaneous