Coverages: Media Liability

Media Companies: Bespoke policy designed to reduce gaps in cover, combining libel, slander, IP, content E&O, technology E&O, contractual liability, cyber and more.
IP Licensing Liability: A specialist product that provides protection to licensees for an unintentional breach of their license agreements, including cover for intellectual property infringement.

Coverages: Management Liability

Cover for a range of risks faced at board-level, including primary and excess directors and officers (D&O) cover.
Side a DIC (Difference in Conditions): Excess coverage for directors and officers of private and publicly-traded organizations.
Not for Profit: Blended policy combining D&O, professional indemnity, products and employers’ liability, property cover, business interruption and reputation protection.

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: Property and Casualty

Specialize in sourcing coverage for diamonds / precious stones in all forms and jewellery for all industries including Retail, Wholesale and Manufacturing.

Coverages: Intellectual Property

Covering the defense or pursuit of infringement claims, contractual indemnities, loss of IP rights and loss of profit.

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

Coverages: Prize Indemnity

• Rates start at $75
• Easy online application with immediate policy issuance
• No PAL issuing fee when using the online form
• Seasonal / Blanket Hole in One policies available
• Rating available per participant
• High-Valued Hole in One rates for prize between $100,000 up to $1million (shootout style only)
• Reinstatement coverage & $250 Club Pro Shop Voucher automatically included through PAL’s online platform
• Multiple Pin Placements
• Up to 18 holes

Coverages: Prize Indemnity

Hockey Scoro Contests are PAL’s most popular contest, in which a randomly selected participant(s) will have the chance to shoot a puck from the far blue line (114 Feet) into a target opening (3.5 inches by 1.5 inches) for a chance to win a grand prize. Great promotional opportunity for Individuals, Companies, Sponsors, Hockey Clubs, Arenas etc. Premiums start as low as $113.00.