Solutions

Commercial Risk Management Industry Expertise

Specialized expertise in your specific industry

CMW Risk Advisors have highly specialized knowledge and expertise in local and international risk exposures in your industry. From experience, we know that every single company faces unique risks – and requires unique solutions. We're not just experts in risk management and business insurance—we're experts in your industry.

Choose from the list of industry expertise below, or alternatively, you can also:

  • Visit the Find a Risk Advisor page to view their specializations or contact them directly
  • Contact us at our local offices to answer your questions or to arrange for a free, no-obligation consultation
Assisted Living Insurance

When it comes to assisted living insurance, competitively priced programs are required that include coverage for direct losses to property, contents, lost income and the timely replacement of assets. Our assisted living liability programs provide protection of customer goodwill by insuring against client risks from both professional and non-professional services. Our account representatives will also support you in non-insurable areas such as contract review, risk control for safety of premises and reviews of employee safety.

CMW has access to more than 35 major North American and international insurance companies who provide insurance services in the assisted living sector.

Our specialties include:

  • Competitively-priced property programs covering buildings, equipment, stock, data processing equipment and related contents on site or in transit
  • Liability programs providing protection from customer incidents on premises, claims arising from professional medical services, innkeepers’ coverage for the property of guests and claims arising from security protecting customers and the premises
  • Loss of income programs for business interruption as well as expediting expenses to reopen quickly
  • Food borne illness coverage as well as contingent coverage arising from outbreaks of disease and bacteria
  • Employee group health and benefits programs
  • Crime insurance designed specifically for operations with large cash exposures and irregular limits on premises or off premises
  • Claims management assistance and advocacy to smooth customer goodwill, settle claims quickly and maintain strong insurer relations

Contact us to ask a question or to schedule a free, no-obligation consultation.

Aviation Insurance

At CMW, we provide competitively priced aviation insurance programs that include coverage for direct damage to aircraft and aviation premises and for related liability exposures. Our aviation insurance representatives also support your needs in non-insurable areas such as contract review, risk control for safety of premises and reviews of employee safety.

CMW has access to a number of specialty insurance markets supporting the aviation industry and companies that have an incidental exposure to aviation risks.

Our aviation solutions include:

  • Hull coverage for both fixed wing aircraft and helicopters
  • Aircraft liability insurance
  • Premises liability insurance
  • Hangar keepers liability insurance
  • Products liability insurance
  • Contractors liability insurance
  • Airport operators liability insurance
  • Non-owned aircraft liability insurance

Contact us to ask a question or to schedule a free, no-obligation consultation.

Building / Construction Industry Insurance & Surety

When it comes to the construction industry, CMW has the superior local knowledge and expertise to keep your projects on target. Our Construction Risk Advisors are experienced in all areas of the building industry and have been involved in many major construction projects locally, nationally, and internationally.

Our Construction Unit is staffed with enthusiastic people who recognize the time-sensitive requirements inherent in this industry. We understand the pressures of your business, and strive to eliminate delays and provide you with the comfort level that should be expected of your insurance professional.

Flexible, competitively priced solutions

Your Risk Advisor works with you to provide flexible solutions within your budget, with the primary goal of moving your construction projects forward to save you time and money. As an employee-owned company, CMW has the ability to build long-term relationships – your CMW Risk Advisor is your business partner, today and tomorrow.

Key construction insurance coverages offered:

  • Annual property and general liability insurance policies
  • Project-specific wrap-up liability and builder’s risk insurance
  • Project-specific Errors and Omissions liability insurance
  • Environmental impairment liability insurance
  • Contractors equipment
  • Installation floater
  • Transit and cargo insurance

Surety

A key component to any contractor’s success is the ability to provide surety bonds. That’s why CMW has a dedicated bonding department that deals with all of the major contract bonding companies in Canada. We have the expertise to maximize your bonding needs and provide you with the most competitive rates available. Whether your company has a bond facility in place now or requires one to be created, we can get the job done.

All types of construction bonds available:

  • Bid bonds and consents of surety (undertakings to bond)
  • Performance bonds
  • Labour and materials payment bonds
  • Maintenance bonds
  • License bonds

Contact us to ask a question or to schedule a free, no-obligation consultation.

Education Insurance

At CMW, we provide the highest quality insurance products and innovative risk-related solutions to private schools, and student-related activities.

When it comes to educational businesses, you need competitively priced programs that include coverage for direct losses to property, lost income and the timely replacement of assets. Our education liability programs provide protection of student goodwill by insuring against third party injury arising from your premises and services. Our client representatives will also support your needs in non-insurable areas, such as contract review, risk control for safety of premises, and reviews of employee safety.

At CMW, we have access to more than 35 major North American and international insurance companies who provide insurance services to the education sector.

Our education solutions include:

  • Competitively-priced property programs covering buildings, equipment, stock, data processing equipment and related contents on site or in transit
  • Liability programs providing protection from third party incidents on premises, sponsored off-site activities, innkeepers’ coverage for the property of boarded students and claims arising from security protecting students and the premises
  • Abuse claims coverage
  • Loss of income programs for business interruption as well as expediting expenses to reopen quickly after a loss
  • School event and injury to participants coverage
  • Employee group health and benefits programs
  • Coverage for volunteers
  • Directors and officers insurance and employment practices coverage
  • International student medical coverage
  • Cyber and privacy insurance
  • Crime insurance designed specifically for operations with irregular limits on premises or off premises
  • Marine, aviation, automobile, and professional liability exposures of related services and activities
  • Claims management assistance and advocacy to smooth customer goodwill, settle claims quickly and maintain strong insurer relations

Contact us to ask a question or to schedule a free, no-obligation consultation.

Environmental Insurance

At CMW, we provide innovative, custom risk-related solutions to environmental contractors, consultants, transporters and companies with environmental-related exposures.

When it comes to environmental risk, you need competitively priced programs that include coverage for direct losses to property, stock, lost income and the timely replacement of assets. Our liability programs provide protection for exposures from sudden and long-term environmental events. Our account representatives also support your needs in non-insurable areas such as contract review, risk control for safety of premises and reviews of employee safety.

We have access to a significant number of North American and international specialty insurers of environmental risks,

Our environmental solutions include:

  • Competitively-priced property programs covering buildings, equipment, stock, data processing equipment, and related contents on site or in transit for environmental contractors and consultants
  • Liability programs covering environmental exposures of contractors, transporters and storage facilities involving pollutants.
  • Loss of income programs for business interruption as well as expediting expenses to reopen quickly
  • Environmental coverage for owners and managers of real estate
  • Environmental coverage for manufacturers with pollution-related risks
  • Professional liability programs for engineers, consultants and contractors providing professional services
  • Remediation cost stop-loss programs for construction companies and developers
  • Collateral protection for finance companies and lenders
  • Employee group health and benefits programs
  • Claims management assistance and advocacy to smooth customer goodwill, settle claims quickly and maintain strong insurer relations

Contact us to ask a question or to schedule a free, no-obligation consultation.

Financial Institutions Insurance

At CMW, our Financial Institutions Group has years of experience in managing the risks of banks, credit unions, mortgage lenders, construction lenders, financial planners, stock brokerages and foreign exchange dealers.

We understand that you need competitively priced programs, including coverage for direct losses to property, lost income and the timely replacement of assets. Our liability programs provide protection of customer goodwill by insuring against third party claims arising from your products and services. We can also advise you on the unique risks arising from providing professional financial advice, errors in administration and collateral asset impairment. Our financial client representatives will support your needs in non-insurable areas such as contract review, risk control for safety of premises and reviews of employee safety.

At CMW, we have access to more than 35 major North American and international insurance companies who provide insurance services in the financial industry sector.

Our financial institution solutions include:

  • Competitively-priced property programs covering buildings, equipment, data processing equipment and related contents on site or in transit
  • Liability programs providing protection from customer incidents on premises and claims arising from security protecting customers and the premises
  • Loss of income programs for business interruption as well as expediting expenses to reopen quickly
  • Professional liability programs for financial advisors and stock brokerages as well as executive protection for directors and officers
  • Collateral loan/ mortgage impairment programs
  • Environmental protection programs for real estate lenders
  • Employee group health and benefits programs
  • Directors and officers, employment practices liability and fiduciary liability programs
  • Cyber and privacy insurance
  • Financial institution bonds and crime insurance designed specifically for operations with large cash exposures and irregular limits on premises or off premises
  • Claims management assistance and advocacy to smooth customer goodwill, settle claims quickly and maintain strong insurer relations

Contact us to ask a question or to schedule a free, no-obligation consultation.

Food & Beverage Processors & Distributors

At CMW, Our Food and Beverage Group has long been recognized as specialists in insuring feed manufacturers, beef, fish and poultry processors, warehouse operators and distributors. Our food insurance experience also includes breweries, vintners and wine distributers, and alcoholic and non-alcoholic beverage bottlers and co-packers.

We understand that you need competitively priced programs, including coverage for direct losses to property, stock, lost income, and the timely replacement of assets. Our liability programs provide protection of customer goodwill by insuring against third party complaints regarding your products and services, product recall and claims of injury. Our Food and Beverage Group strives to support you in non-insurable areas such as contract review, risk control for safety of premises and reviews of employee safety.

We have access to more than 35 major North American and international insurance companies who provide insurance services to the food manufacturing, beverage processing and distributor sectors.

Our food & beverage solutions include:

  • Competitively-priced property programs covering buildings, equipment, stock, data processing equipment, and related contents on site or in transit
  • Liability programs providing protection from customer incidents from products and on premises
  • Loss of income programs as well as contingent programs for business interruption and expediting expenses to reopen quickly
  • Food borne illness coverage as well as contingent coverage arising from outbreaks of disease and bacteria
  • Product recall, extra expense and contamination programs.
  • Failure to manufacture to specifications coverage
  • Employee group health and benefits programs
  • Directors and Officers and employment practices insurance
  • Claims management assistance and advocacy to smooth customer goodwill, settle claims quickly and maintain strong insurer relations

Contact us to ask a question or to schedule a free, no-obligation consultation.

Forestry, Wood Processors, Lumber & Mill Insurance

At CMW, we provide innovative, custom risk solutions to the forestry and wood processing industry. Our Forestry Group has extensive risk experience for logging  contractors, sawmills, lumber dealers, and insurance for remanufacturing plants and wood-related manufacturers.

You need competitively priced programs that include coverage for direct losses to property, stock, lost income and the timely replacement of assets. Our liability programs provide protection of customer goodwill by insuring against third party claims against products and services, and claims of injury. Our Forestry Group also supports your needs in non-insurable areas such as contract review, risk control for safety of premises and reviews of employee safety.

We have extensive access to many of the specialty insurers of this sector across North America and internationally.

Our forestry and wood processing solutions include:

  • Competitively priced property programs covering buildings, equipment, contractor’s equipment, stock, and related contents on site or in transit.
  • Marine cargo/tow coverage
  • Standing timber coverage
  • Liability programs providing protection from customer incidents from products and on premises
  • Loss of income programs for business interruption as well as expediting expenses to reopen quickly
  • Forest fire fighting expense coverage
  • Directors and officers, employment practices and professional liability programs
  • Employee group health and benefits programs
  • Claims management assistance and advocacy to smooth customer goodwill, settle claims quickly and maintain strong insurer relations

Contact us to ask a question or to schedule a free, no-obligation consultation.

Foundry & Metal Insurance

At CMW, we provide the highest quality insurance products and innovative risk-related solutions to the foundry and metal fabricators industry. Our Industrial Group has long been recognized as specialists insuring the risks associated with these heavy industry operators.

We understand you need competitively priced programs that include coverage for direct losses to property, stock, lost income and the timely replacement of assets. Our liability programs provide protection from third party claims against your products and services. Our Industrial Group also supports your needs in non-insurable areas such as contract review, risk control for safety of premises and reviews of employee safety.

We have access to more than 35 major North American and international insurance companies who provide insurance services to the foundry, metal and heavy industry sectors.

Our foundry & metal solutions include:

  • Competitively-priced property programs covering buildings, equipment, stock, data processing equipment, and related contents on site or in transit
  • Liability programs providing protection from customer incidents relating to products or while on premises
  • Loss of income programs for business interruption as well as expediting expenses to reopen quickly
  • Coverage for moulds, dyes, and patterns
  • Failure to manufacture to specifications coverage
  • Product recall insurance
  • Employee group health and benefits programs
  • Directors and officers and employment practices coverage
  • Claims management assistance and advocacy to smooth customer goodwill, settle claims quickly and maintain strong insurer relations

Contact us to ask a question or to schedule a free, no-obligation consultation.

Gaming & Casino Operators Insurance

At CMW, we provide the highest quality insurance products and innovative risk-related solutions to the gaming and hospitality industry. Our Gaming Hospitality Group has long been recognized as specialists in gaming insurance and casino insurance, including bingo operators, hotels, resorts and restaurant operators, with their unique public exposures from operations, premises, food and liquor.

We understand you need competitively priced programs that include coverage for direct losses to property, stock, lost income, and the timely replacement of assets. Our liability programs protect customer goodwill by insuring against client complaints about products and services, claims of injury, as well as any personal belongings missing while left in your care. Our Gaming and Hospitality Group also supports your needs in non-insurable areas such as contract review, risk control for safety of premises and reviews of employee safety while also understanding the political relationships with gaming authorities.

CMW has years of experience with some of Canada’s largest gaming operators. We have access to more than 35 major North American and international insurance companies who provide insurance services to the gaming and casino sector.

Our gaming & casino solutions include:

  • Competitively-priced property programs covering buildings, equipment, stock, gaming, data and surveillance equipment and related contents on site or in transit
  • Liability programs providing protection from customer incidents on premises, food and liquor-related claims, innkeepers’ coverage for the property of guests, and claims arising from security protecting customers and the premises
  • Loss of income programs for business interruption as well as expediting expenses to reopen quickly
  • Food borne illness coverage as well as contingent coverage arising from outbreaks of disease and bacteria
  • Employee group health and benefits programs
  • Crime insurance designed specifically for operations with large cash exposures and irregular limits on premises or off premises
  • Prize indemnity programs and special event programs
  • Financial, security and performance bonds
  • Directors and Officers and employment practices insurance programs
  • Claims management assistance and advocacy to smooth customer goodwill, settle claims quickly and maintain strong insurer relations

Contact us to ask a question or to schedule a free, no-obligation consultation.

Hospitality & Tourism Insurance

At CMW, we provide the highest quality insurance products and innovative risk-related solutions to the tourism and hospitality industry. Our Tourism and Hospitality Group has long been recognized as specialists in:

  • Hotel insurance
  • Resort insurance
  • Golf insurance
  • Restaurant insurance
  • Tour insurance and tour operator insurance
  • Bar and Pub insurance
  • Event insurance

We recognize the unique aspects of this sector, including public exposures from operations, premises, food and liquor.

You need competitively priced programs that include coverage for direct losses to property, stock, lost income and the timely replacement of assets. Our liability programs provide protection of customer goodwill by insuring against client complaints from products and services, claims of injury, as well as any personal belongings missing while left in your care. Our Tourism Group strives to support your needs in non-insurable areas such as contract review, risk control for safety of premises and reviews of employee safety.

CMW is the sole insurance representative of the Canadian Restaurant and Foodservices Association in British Columbia on behalf of LMS Prolink of Ontario. We also have a program for bed and breakfast operators and a program representing the Association of Canadian Travel Agencies. In addition, we have access to more than 35 major North American and international insurance companies who provide insurance services to the tourism and hospitality sector.

Our hospitality & tourism solutions include:

  • Competitively-priced property programs covering buildings, kitchen equipment, stock, data processing equipment and related contents on site or in transit
  • Liability programs providing protection from customer incidents on premises, food and liquor-related claims, innkeepers’ coverage for the property of guests, and claims arising from security protecting customers and the premises
  • Loss of income programs for business interruption as well as expediting expenses to reopen quickly
  • Food borne illness coverage as well as contingent coverage arising from outbreaks of disease and bacteria
  • Employee group health and benefits programs
  • Crime insurance designed specifically for operations with large cash exposures and irregular limits on premises or off premises
  • Marine, aviation, specialty tour and professional liability exposures of related resort/spa operations
  • Claims management assistance and advocacy to smooth customer goodwill, settle claims quickly and maintain strong insurer relations

Contact us to ask a question or to schedule a free, no-obligation consultation.

Manufacturing Insurance

At CMW, our Manufacturing Risk Advisors have extensive experience handling the portfolios of manufacturing firms operating on a worldwide basis, and are experts in providing insurance and non-insurance risk solutions At CMW, our Risk Advisors not only compile excellent underwriting submissions, but also offer unique and innovative ways to market your risks to insurance companies.

The global capabilities to support you internationally

Our international affiliation with the world’s most powerful insurers will guarantee seamless coverage wherever your manufacturing operations are located. Learn more about CMW’s global capabilities.

Your CMW Risk Advisor is your business partner

As an employee-owned company, CMW Risk Advisors have the ability to build long-term relationships and offer direct, personal service. Your CMW Risk Advisor is your business partner—today and tomorrow. Learn more about the CMW Difference.

Our manufacturing solutions include:

  • Annual property policies
  • Business interruption
  • General liability insurance
  • Product liability coverage especially for manufacturers selling into US and foreign markets
  • Equipment breakdown insurance
  • Environmental impairment liability insurance
  • Manufacturers errors & omissions coverage
  • Money and employee dishonesty coverage
  • Product recall
  • Surety bonds
  • Umbrella liability insurance

Contact us to ask a question or to schedule a free, no-obligation consultation.

Marine & Cargo Insurance

At CMW, we provide the highest quality insurance products and innovative risk-related solutions to the marine and cargo industry. Our marine insurance specialists have years of experience insuring the specialized risks associated with stevedores and terminal operators, marina operators, ship builders, import/exporters, tug and barge operators, charterers, marine-based construction, and fish farm operators and processors.

We understand the needs of our clients for competitively priced programs that are either pure marine risks or have a marine component to them. Our Marine Group also supports your needs in non-insurable areas such as contract review, marine surveys, and risk control for safety of premises and reviews of employee safety.

CMW has access to many of the specialty marine and cargo insurance markets worldwide.

Our keys to cargo & marine insurance success include:

  • Competitively-priced property programs covering hull, cargo and marine-related assets on site or in transit
  • Seamless liability and protection and indemnity programs providing protection from customer and third party incidents on board, in transit, and from products and services provided on land and on water
  • Fish mortality insurance for aquaculture operators
  • Environmental and salvage programs
  • Trade credit protection programs for receivables
  • Electronic certificate systems for cargo shipment insurance
  • Claims management assistance and advocacy to smooth customer goodwill, settle claims quickly and maintain strong insurer relations

Contact us to ask a question or to schedule a free, no-obligation consultation.

Mining & Energy Insurance

At CMW, we provide the highest quality insurance products and innovative risk-related solutions to mining operators and energy producers. Our Mining and Energy Group has years of experience in mine insurance for operators, contractors and processors as well as power insurance and fuel insurance for hydro, wind and bio-fuel power producers.

We understand that you need competitively priced programs, including coverage for direct losses to property, equipment, lost income and the timely replacement of assets. Our liability programs provide protection from third party claims arising from both products and services. Our Mining and Energy Group supports your needs in non-insurable areas such as contract review, risk control for safety of premises and reviews of employee safety.

At CMW, we have access to many of the major North American and international insurance companies willing to write these industry sectors. In addition, our association with other specialty brokers in North America and London provides us with the global expertise to handle complex multinational risks.

Our energy & mining solutions include:

  • Contract analysis for EPC, long-term service agreements, vendor agreements, construction contracts, contractor contracts and lending agreements
  • Competitively-priced insurance programs providing seamless coverage from construction to operating status for property, boiler, stock and equipment – both above ground and below
  • Liability programs for owners and contractors involved in the projects covering bodily injury, property damage and environmental risk
  • Loss of income programs for business interruption and liquidated damages as well as expediting expenses to resume operations quickly
  • Cargo programs for incoming equipment and shipments of stock and concentrates
  • Bonding services for financing and government regulations
  • Employee group health and benefits programs
  • Marine, aviation and professional liability exposures related to the operations
  • Maximum probable loss studies and risk control engineering support
  • Claims management assistance and advocacy to smooth customer goodwill, settle claims quickly and maintain strong insurer relations

Contact us to ask a question or to schedule a free, no-obligation consultation.

Municipal & Public Sector Insurance

CMW’s Public Sector Practice Group provides our municipalities and public sector clients with superior access to quality insurance markets and innovative risk-related solutions to the broad exposures unique to this sector. This includes public sector insurance and municipal insurance. Our expert Risk Advisors have extensive experience identifying and managing risk for insurable and non-insurable exposures derived from years of providing guidance to many of the major municipal risks in British Columbia.

The key to successfully managing risks in the public sector involves strong insurer relationships for structuring appropriate programs for the insured as well as communicating the needs for timely and realistic claims support.

Our keys to municipal & public insurance success include:

  • Specially tailored property insurance programs
  • Broadly worded general liability programs
  • Public sector errors and omissions programs
  • Cyber and privacy insurance programs
  • Environmental impairment programs
  • Risk quantification studies
  • Risk control studies for property, liability, and employee safety
  • Claims management programs and claims advocacy
  • Educational seminars and publications
  • Construction insurance and bonding programs
  • Contract review and risk transfer support

Contact us to ask a question or to schedule a free, no-obligation consultation.

National & International Insurance Abilities

The global capabilities to support growth

Through our national and international partnerships, CMW serves clients throughout British Columbia, Canada and internationally. Whether your goals for growth are down the block, or around the globe, our network of global providers ensures seamless coverage wherever success takes you.

CMW’s national capabilities

By partnering with the Canadian Broker Network - the leading network of independent commercial insurance broker  in Canada - CMW accesses an exceptionally competitive national insurance market, and brings this value to our clients. Through this network, CMW Risk Advisors can provide full local insurance and risk management support to clients with operations in other parts of Canada. Visit the CBN website to learn more.

CMW’s international capabilities

 

 

Through our alignment with GBN Worldwide, CMW has access to the world’s insurance markets, providing custom risk solutions to our clients with global operations. This working association consists of major independent insurance and risk advisors with over 5,000 professionals in over 100 countries around the world. Through this membership, our clients with international operations will have the support of not only our senior Risk Advisors, but local support by selected professional insurance brokers in virtually any foreign jurisdiction. Visit the GBN website to learn more.

London markets

For many large international risks, as well as many marine and aviation risks, it is imperative for a brokerage to have access to the London markets. As such, CMW has developed a strategic alliance with BMS, RK Harrison and the RFIB Group in the UK. BMS, RK Harrison and RFIB are all influential and respected independent brokers in the London markets. These relationships give us full access to the Lloyds markets as well as other specialized insurance facilities based out of the UK. When you work with CMW, you can be reassured you have a risk service provider with international placement abilities equal to any of our multinational competitors.

Contact us to ask a question or to schedule a free, no-obligation consultation.

Pharmaceutical Insurance & Health Products Insurance

At CMW, we provide the highest quality insurance products and innovative risk-related solutions to the pharmaceutical, nutraceutical and health products industry. Our client advisory team is recognized as specialists insuring researchers, manufacturers and distributors of both regulated and non-regulated pharmaceutical and related products.

We understand that you need competitively priced programs that include coverage for direct losses to property, stock, lost income, research and development, product recall and the timely replacement of assets. Our liability programs provide protection of customer goodwill by insuring against third party complaints regarding your products and services. We also bring value-added support to your non-insurable areas such as contract review, risk control for safety of premises and reviews of employee safety.

At CMW, we have access to many specialty markets in North American and internationally who are willing to write the pharmaceutical and health products sector.

Our health products & pharmaceutical solutions include:

  • Competitively-priced property programs covering buildings, equipment, stock, data processing equipment and related contents on site or in transit
  • Liability programs providing protection from third party claims arising from products and services as well as professional liability risks
  • Loss of income programs for business interruption as well as expediting expenses to restart quickly
  • Research and development programs and testing programs
  • Product recall programs and patent infringement coverage
  • Executive risk programs for directors and officers as well as employee practices risks
  • Employee group health and benefits programs
  • Claims management assistance and advocacy to smooth customer goodwill, settle claims quickly and maintain strong insurer relations

Contact us to ask a question or to schedule a free, no-obligation consultation.

Printer, Graphics Arts & Publisher Insurance

At CMW, we provide the highest quality insurance products and innovative risk-related solutions to the printing, publishing, and graphic arts industries. Our expert Risk Advisors have long been recognized as specialists insuring the unique risks associated with publishers and producers of media products and services.

We understand your need for competitively priced programs that include coverage for direct losses to property, stock, lost income and the timely replacement of assets. Our liability programs provide protection of customer goodwill by insuring against third party claims for bodily injury, personal injury and property damage arising from your products and services. Our account teams also support our clients’ needs in non-insurable areas such as contract review, risk control for safety of premises and reviews of employee safety.

At CMW, we have access to more than 35 major North American and international insurance companies that provide insurance services to the printing, publishing and graphic arts sector. We also have a specialized program for printer insurance and publisher insurance.

Our printing, publishing, & graphic arts specialties include:

  • Competitively-priced property programs covering buildings, equipment, stock, data processing equipment and related contents on site or in transit
  • Liability programs providing protection from customer incidents on premises and from your services including libel, slander and advertising personal injury
  • Loss of income programs for business interruption as well as expediting expenses to reproduce quickly
  • Professional liability for printers and publishers errors and omissions
  • Film negative and reshoot coverage
  • Executive protection for directors and officers and employee group health and benefits programs
  • Claims management assistance and advocacy to smooth customer goodwill, settle claims quickly and maintain strong insurer relations

Contact us to ask a question or to schedule a free, no-obligation consultation.

Professional Organizations Errors & Omissions Insurance

At CMW, we provide the highest quality insurance products and innovative risk-related solutions to the needs of professional associations. Our Professional Association Program team has long been recognized as specialists in insuring and efficiently administering the needs of large member professional services groups.

We understand that you need competitively priced programs that provide protective coverages specific to the risks of a professional association. We are also capable of structuring a seamless, complementary program to insure the member’s property and general liability risks. Our liability programs provide protection of customer and member goodwill by insuring against customer complaints about products and services while also providing insurance coverage to support the actions of the governing boards administering the association. Our Association team also supports your needs in non-insurable areas such as electronic certificate management and invoice billing, contract review, risk control for safety of premises and reviews of employee safety.

At CMW, we have access to more than 35 major North American and international insurance companies that provide professional services insurance and errors and omissions insurance coverage to this industry sector.

Our professional services & errors & omissions solutions include:

  • Manuscript wordings and competitively-priced Errors and Omissions programs for the members of professional associations and their board/college
  • Property programs covering buildings, equipment, stock, data processing equipment and related contents on site or in transit for members
  • General liability programs providing protection from customer incidents arising from products and services
  • Program extensions to cover investigative costs and penal defense costs
  • Administrative services for certificate management and invoice tracking
  • Employee group health and benefits programs
  • Claims management assistance and advocacy to smooth customer goodwill, settle claims quickly and maintain strong insurer relations

Contact us to ask a question or to schedule a free, no-obligation consultation.

Real Estate Insurance and Condominium Insurance

At CMW, we’ve historically focused on serving the owners, developers and managers of real estate portfolios. We take pride in being a leader in this major commercial real estate insurance segment that includes commercial, industrial and residential properties.

Our Real Estate and Strata Teams understand that you need competitively priced programs, including coverage for direct losses to buildings, contents, lost income and the timely replacement of assets. Our liability programs provide protection of customer goodwill by insuring against tenant complaints regarding buildings and services as well as injury claims by third parties. We can provide seamless products and services from early development through construction to ongoing operation of commercial buildings. Our Real Estate Group also supports your needs in non-insurable areas such as contract review, risk control for safety of premises and reviews of employee safety.

We have access to more than 35 major North American and international insurance companies that provide commercial property, strata and real estate insurance services to this sector. We also have unique programs for owners and managers of strata-titled properties, as well as for the individual unit owners.

Our property & real estate solutions include:

  • Competitively-priced property programs covering buildings, equipment, stock, data processing equipment and related contents on site or in transit
  • Liability programs providing protection from third party claims from premises and services
  • Loss of income programs for business interruption and lost rental income as well as expediting expenses to reopen quickly
  • Property managers Errors & Omissions coverage
  • Employee group health and benefits programs
  • Environmental protection programs for real estate owners and lenders
  • Claims management assistance and advocacy to smooth customer goodwill, settle claims quickly and maintain strong insurer relations

Contact us to ask a question or to schedule a free, no-obligation consultation.

Retailers & Distributors Insurance

At CMW, we provide the highest quality insurance products and innovative risk-related solutions to retailers and distributors. Our Commercial Insurance Group has long been recognized as specialists insuring the suppliers of a wide variety of retail and distribution products and services.

We understand that you need competitively priced programs that include coverage for direct losses to property, stock, lost income and the timely replacement of assets. Our liability programs provide protection of customer goodwill by insuring against client complaints about products and services, and claims of injury. Our Commercial Insurance Group strives to support our clients’ needs in non-insurable areas such as contract review, risk control for safety of premises and reviews of employee safety.

We have access to more than 35 major North American and international insurance companies who provide commercial insurance, distribution insurance, and retailer insurance to this industry sector.

Our distributor & retail solutions include:

  • Competitively-priced property programs covering buildings, equipment, stock, data processing equipment and related contents on site or in transit
  • Liability programs providing protection from customer incidents on premises and from products sold, rented or for which you are responsible
  • Loss of income programs for business interruption as well as expediting expenses to reopen quickly
  • Employee group health and benefits programs
  • Crime insurance designed specifically for operations with cash exposures and irregular limits on premises or off premises
  • Efficient electronic administration systems to coordinate insurance programs over many insured locations
  • Claims management assistance and advocacy to smooth customer goodwill, settle claims quickly and maintain strong insurer relations

Contact us to ask a question or to schedule a free, no-obligation consultation.

Sports & Recreation Insurance

At CMW, we provide the highest quality insurance products and innovative risk-related solutions to the sports and recreation sector. Our expert Risk Advisors have years of experience servicing clients who operate sports teams and associations, recreational facilities, outdoor adventure operators, wilderness outfitters, special events and/or manufacture, distribute or sell sports and outdoor equipment.

We understand that you need competitively priced programs, including coverage for direct losses to property, lost income and the timely replacement of assets. Our liability programs provide protection of customer goodwill by insuring against client complaints about products and services as well as protect against third party claims of injury. Our Risk Advisors also support your needs in non-insurable areas such as contract review, risk control for safety of premises and reviews of employee safety.

We have access to more than 35 major North American and international insurance companies who provide sports insurance, outdoor insurance and recreation insurance services to this industry sector.

Our recreation & sports solutions include:

  • Competitively-priced property programs covering buildings, equipment, stock, data processing equipment and related contents on site or in transit
  • Liability programs providing protection from customer incidents arising from products, premises and services
  • Loss of income programs for business interruption as well as expediting expenses to restart quickly
  • Injury to participants coverage
  • Policies to insure special events
  • Employee group health and benefits programs
  • Marine, aviation, specialty tour, equine and professional liability exposures of outdoor/ wilderness based operations
  • Claims management assistance and advocacy to smooth customer goodwill, settle claims quickly and maintain strong insurer relations

Contact us to ask a question or to schedule a free, no-obligation consultation.

Technology Insurance

At CMW, we provide the highest quality insurance products and innovative risk-related solutions to companies involved in the research, development, manufacturing and servicing of the technology industry. Insurance programs need to take into account unique issues including Internet law, e-commerce and privacy laws.

In the technology and research sectors, you need competitively priced programs that include coverage for direct losses to property, stock, lost income research and development, product recall and the timely replacement of assets. Our liability programs provide protection by insuring against third party complaints about products and services including financial loss arising from design error, delay in delivery, copyright infringement and the misuse of intellectual property. We bring value-added support to our clients in non-insurable areas such as contract review, risk control for safety of premises and reviews of employee safety.

We have access to many specialty markets in North American and internationally who are willing to write this industry sector.

Our technology & research solutions include:

  • Competitively-priced property programs covering buildings, equipment, stock, data processing equipment and related contents on site or in transit
  • Loss of income programs for business interruption as well as expediting expenses to restart quickly
  • Liability programs providing protection from third party claims arising from products and services
  • Financial loss arising from product failure or deficiency
  • Copyright and patent infringement insurance
  • Internet-related liability
  • Research and development programs and testing programs
  • Product recall programs and patent infringement coverage
  • Executive risk programs for directors and officers as well as employee practices risks
  • Employee group health and benefits programs
  • Claims management assistance and advocacy to smooth customer goodwill, settle claims quickly and maintain strong insurer relations

Contact us to ask a question or to schedule a free, no-obligation consultation.

Telecommunications Insurance

At CMW, we provide the highest quality insurance products and innovative risk-related solutions to the data and telecommunications industry. Our Technology Group has long been recognized as specialists in insuring digital, cellular, data processors, and cable and data storage service providers.

We understand that you need competitively priced programs that include coverage for direct losses to property, stock, lost income and the timely replacement of assets. Our liability programs provide protection of customer goodwill by insuring against client complaints about products and services and against third party claims of injury. Our Technology Group also supports your needs in non-insurable areas such as contract review, risk control for safety of premises and reviews of employee safety.

At CMW, we have access to more than 35 major North American and international insurance companies who provide telecommunication insurance, digital insurance, cellular insurance and cable insurance services to this industry sector.

Our telecommunications solutions include:

  • Competitively-priced property programs covering buildings, equipment, stock, data processing equipment and related contents on site or in transit
  • Liability programs providing protection from customer and other third party incidents on premises and arising from your products and services
  • Loss of income programs for business interruption as well as expediting expenses to restart quickly
  • Patent infringement, libel and slander liability and financial loss coverage
  • Cyber and privacy insurance programs
  • Employee group health and benefits programs
  • Claims management assistance and advocacy to smooth customer goodwill, settle claims quickly and maintain strong insurer relations

Contact us to ask a question or to schedule a free, no-obligation consultation.

Transportation Insurance

At CMW, we provide the highest quality insurance products and innovative risk-related solutions to the trucking and transportation industry. Our Transportation Group has long been recognized as specialists in insuring trucking fleets, freight forwarders and contract trucking operators.

You need competitively priced programs that include coverage for direct losses to property, stock, lost income and the timely replacement of assets. Our liability programs provide protection of customer goodwill by insuring against client complaints about products and services and third party claims of injury. Our Transportation Group supports your needs in non-insurable areas such as contract review, risk control for safety of premises and reviews of employee safety.

At CMW, we have access to private and provincial auto insurers as well as more than 35 major North American and international insurance companies who provide transportation insurance services to this industry sector.

Our transportation specialties include:

  • Competitively-priced property programs covering buildings, equipment, mobile equipment, stock, data processing equipment and related contents on site or in transit
  • Liability programs providing protection from customer and other third party incidents on premises and in transit
  • Loss of income programs for business interruption as well as expediting expenses to restart quickly
  • Fleet insurance programs
  • Motor truck cargo programs for owners and shippers interest
  • Warehouseman’s legal liability program for storage
  • Marine and aviation cargo programs with electronic certificate services
  • Environmental coverage for shippers of dangerous and hazardous goods
  • Bonding services
  • Employee group health and benefits programs
  • Claims management assistance and advocacy to smooth customer goodwill, settle claims quickly and maintain strong insurer relations

Contact us to ask a question or to schedule a free, no-obligation consultation.

Warehouse & Storage Insurance

At CMW, we provide the highest quality insurance products and innovative risk-related solutions to the warehousing and storage industry. Our Commercial Insurance Group has long been recognized as specialists in insuring warehousing and self-storage operations.

We have carefully assembled a team of highly qualified and dedicated Risk Advisors who are focused in assisting warehouse operators with knowledgeable advice, competitive pricing and timely documentation. Our goal is to help you reduce the chance of loss while providing you with opportunities to improve your business.

Our warehouse & storage solutions include:

  • Qualified assistance in evaluating risks facing operators from both physical facilities and through contractual arrangements.
  • Providing advice on how best to manage risks through the use of insurance products and contractual language
  • A simplified underwriting process for securing quotes for coverage
  • Access to a cost competitive program that is price stable and which provides very broadly worded protection
  • Services that tenants can access to obtain insurance coverage on their unit contents
  • Access to risk control services to assist in mitigating physical risks on site
  • Our key warehouse & storage insurance coverages include:
  • Warehouseman’s legal liability coverage
  • Self-storage operators legal liability coverage to defend and protect you from claims for goods that are lost or damaged while in storage
  • Wrongful sale and disposal insurance protection provided to cover the cost of disposal and any legal action that may follow
  • Tenant content abandonment coverage handles proper removal and disposal of environmentally-sensitive or dangerous substances deserted by a tenant
  • Comprehensive property, liability and crime protection
  • Competitive rates with low deductibles

Contact us to ask a question or to schedule a free, no-obligation consultation.

Wholesalers & Distributors Insurance

At CMW, we provide the highest quality insurance products and innovative risk-related solutions to wholesalers and distributors. Our Commercial Insurance Group has long been recognized as specialists in insuring the suppliers of a wide variety of products and services.

We understand the needs of our clients for competitively priced programs that include coverage for direct losses to property, stock, lost income, and the timely replacement of assets. Our liability programs provide protection of customer goodwill by insuring against client complaints against your products and services, and claims of injury. Our Commercial Insurance Group also supports your needs in non-insurable areas such as contract review, risk control for safety of premises and reviews of employee safety.

We have access to more than 35 major North American and international insurance companies who provide insurance services to the wholesaler and distributor industry sector.

Our warehouse solutions include:

  • Competitively-priced property programs covering buildings, equipment, stock, data processing equipment and related contents on site or in transit
  • Liability programs providing protection from customer incidents on premises and from products sold, rented, or for which you are responsible
  • Loss of income programs for business interruption as well as expediting expenses to reopen quickly
  • Employee group health and benefits programs
  • Crime insurance designed specifically for operations with cash exposures and irregular limits on premises or off premises
  • Efficient electronic administration systems to coordinate insurance programs over many insured locations
  • Claims management assistance and advocacy to smooth customer goodwill, settle claims quickly and maintain strong insurer relations

Contact us to ask a question or to schedule a free, no-obligation consultation.

Vintners & Wine Distributors Insurance

At CMW, we provide the highest quality insurance products and innovative risk-related solutions to vintners and wine distributors. Along with our partner, Capri Insurance Services Ltd., we have established a significant presence within the British Columbia marketplace.

We proudly provide wine insurance and winery insurance services to clients ranging from BC’s smaller up-and-coming wineries to large and well-respected operations. We understand that you need competitively priced programs that include coverage for direct losses to property, stock, lost income and the timely replacement of assets. Our liability programs provide protection of customer goodwill by insuring against third party complaints about products, services and premises.

We support our clients’ needs in non-insurable areas such as contract review, risk control for safety of premises and reviews of employee safety. We have access to more than 35 major North American and international insurance companies who provide wine insurance services to this industry sector.

Our winery solutions include:

  • Competitively-priced property programs covering buildings, equipment, stock, data processing equipment and related contents on site or in transit
  • Liability programs providing protection from customer incidents from products and on premises
  • Loss of income programs and contingent programs for business interruption as well as expediting expenses to reopen quickly
  • Food borne illness coverage as well as contingent coverage arising from outbreaks of disease and bacteria
  • Product recall, extra expense and contamination programs
  • Employee group health and benefit programs
  • Directors and officers and employment practices insurance
  • Claims management assistance and advocacy to smooth customer goodwill, settle claims quickly and maintain strong insurer relationship

Contact us to ask a question or to schedule a free, no-obligation consultation.