Coverages: Product Recall

Product Recall: Comprehensive cover for a variety of industries and recall scenarios, ranging from product guarantees and contamination events to cyber product tamper.
Restaurant Contamination: Bespoke cover addressing contamination events in restaurants.

Coverages: Prize Indemnity

Gives you the ability to offer special contests and promotions while transferring the risk to an experienced and financially bound insurer. Running a contest can provide lucrative marketing opportunity for a business. Examples: Weather Promotion, Crack the Code, Envelope / Number Draws, Curling Contests, Basketball / Football Contests, and many more!

Coverages: Property and Casualty

Designed to protect from expenses owing to the loss, theft or damage of your luxury wearable items. Items could include rings, necklaces, watches, etc.

Coverages: Property and Casualty

Designed for those with valuable pieces of art or collections, or who treat art as an investment. Art in such collections could include pictures, paintings, porcelain, pottery, antique furniture, clocks, watches, etc. 

Coverages: Property and Casualty

Coverage that goes beyond a homeowners or renters policy to protect valuable items, such as jewelry, fur, fine arts, musical instruments, silverware, stamps and coins.  

Coverages: Commercial General Liability | General Liability | Property Damage | Public Liability

Per Event or Annual Coverage Available. Designed for individuals or groups that are hired to perform at an event. Many venues / show hosts now require each party involved in the event to carry their own liability coverage, including performers. Provides General Liability and Property coverage for many types of performers such as musicians, singers, dancers, DJs, actors, buskers, street performers, karaoke operators, rock / pop bands and much more. Excludes all performances in nightclubs.

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

This program provides protection when lawsuits are brought against individuals, organizations or companies who host single / multi-day functions with alcohol service. Designed for event hosts who are holding reception-type events in a rented facility. A valid liquor permit or license must be in place for service of alcohol IN A RENTED FACILITY. Events on Private property do not require a liquor license in place

Coverages: Inland Marine

- Small / medium limits
- Many commodities available
- Truckmen’s CGL can be added
- Any fleet size or operation radius
- Refrigeration breakdown endorsement available
- Minimum driver requirements apply

Coverages: Contents | Property Damage

Insures against direct physical loss or damage to Miscellaneous Property items while in the care, custody or control of the insured. A copy of the rental contract is required if applicable. Coverage is available on a per-day basis up to one year. This is an All Risk / Named Perils policy with the option of Actual Cash Value or Replacement Cost coverage.  Policy details are customized with each request. PAL does not offer liability coverage under this policy. PAL does not offer any coverage for property while in transit.

Coverages: Medical Malpractice

Experienced underwriting and unambiguous malpractice cover for healthcare organizations, professionals, surgeons and dentists.