Coverages: Builders Risk

ABEX covers multiple (4 or more) similar construction projects under a single policy. We provide an adjustable policy to cover all builds annually under a single policy in CAT limit for entire year instead of insuring each construction project separately. CAT limit is derived from maximum value of projects exposed at any given time. Our policy offers consistent protection, easy administration, and cost-effective premiums.

Coverages: Contents | Home | Personal Liability

ABEX offers personalized homeowners’ coverage for various needs, including unique situations with optional extensions for added protection.

Coverages: Commercial General Liability | General Liability | Event Cancellation | Liquor Liability | Public Liability

PAL's Weddinguard program provides the Liquor Liability coverage that many wedding venues require couples to obtain for their wedding, plus many more financial protections that will give peace of mind in those critical days leading up to the wedding day. Coverages include insurance for cakes, flowers, bridal attire, and much more. Can be applied for up to one year in advance of the wedding.

Coverages: Casualty | Cyber

Technology Companies: Designed for a wide range of technology companies, this policy addresses the costs associated with delays, mistakes, oversights and miscommunication, along with other traditional and emerging risks that technology companies face.
Social Media Companies: Comprehensive protection for social media organizations - from social networks and community sites to media sharing websites, bloggers and online gaming companies.

Coverages: Commercial General Liability | Liquor Liability | Product Liability | Public Liability

Provides Single Event or Annual protection for individuals and/or organizations who serve alcohol to the public. Designed for full / part time employees and volunteers whose occupation includes serving alcohol. PAL’s Group Server policy is designed for service clubs or other organizations that are seeking Liquor Liability coverage on a single event or an Annual basis. EXCLUDING: NIGHTCLUBS, HOUSE PARTIES, PRIVATE PARTIES, FRAT PARTIES, COLLEGE / UNIVERSITY PARTIES.

Coverages: Professional Liability

Broad, packaged policies for a wide range of professional services with cyber cover offered as standard for: Accountants, Bookkeepers and Auditors; Architects and Engineers; Oil and Gas Professionals; Professional Services; Recruitment, Employment and Staffing Agencies; Surveyors and Estate Agents.

Coverages: Commercial General Liability | Event Cancellation | General Liability | Liquor Liability | Public Liability

THIS POLICY IS FOR LIQUOR COVERAGE ONLY. Provides protection for lawsuits brought against individuals, organizations or companies who host single/multi-day functions. Designed for event hosts who are seeking to cover their liquor exposure only, or for organizations who are already covered by a CGL policy which excludes any liability arising from the sale, service, or consumption of alcohol.

Coverages: Product Liability

Medical Devices: Bespoke cover for businesses that import, manufacture or distribute medical devices.
Natural Health Products: Package policy combining general liability with products liability and recall for cosmeceuticals, vitamins, supplements, sports nutrition and related consumable product companies.
Research and Development: Package policy for businesses including drug developers, clinical trial and research organizations.

Coverages: Kidnap and Ransom

Cover for traditional and emerging K&R risks, like cyber extortion, as well as marine piracy policies. Backed by a global 24/7 crisis & emergency response team.

Coverages: Commercial General Liability

- CGL including Host Liquor Liability
- Liquor Sales up to 100%
- Cyber Coverage Available
- Able to Write Small to Large Accounts
- Able to Accommodate Majority of Hospitality Accounts
- Forcible Ejection Coverage Available (Some Restrictions Apply)
- Strong Capacity Backed by Lloyd’s
- Available in every province except Ontario and Quebec