CHES Special Risk was established in 2004 and one of the oldest MGA's in canada. They have excess of 250 products and 25 Underwriters, working in all classes of insurance, from 3 offices, with offices in Ottawa, Toronto. Click here to known more about CHES Special Risk and its products.

1. ESTABLISHED IN 2004
MAKING US ONE OF THE
OLDEST MGA’S IN CANADA!

2. Contact Points Independent
We have over 25 Underwriters, working in all classes of
insurance, from 3 offices, with offices in Ottawa, Toronto,
and our sister company CHES Solutions Spécialisées in
Brossard, Quebec.
Licensed in every Province and Territory in Canada
in which we operate.
CHES Special Risk is a truly independent MGA,
not owned by a bank, Insurer or a Broker, not owned
by your competitor.
Experience
The underwriting team at CHES are experienced
in all classes of risk that we offer.

3. Products Service
We hold in house binding authority for in excess
of 250 products, which include standard and
sub-standard Commercial property and liability
package, Construction and Professional Lines.
We accept anyone’s application and we aim for a
48 hour turnaround.
Claims
We offer 24/7 claims support by phone or email, and are
available after hours, with a response time of upto an hour,
supplied by our our network of country wide appointed
loss adjusters.
OUR MARKET APPROACH IS DIFFERENT
FROM OTHER MANAGING GENERAL AGENTS & INSURANCE ORGANIZATIONS
OTTAWA OFFICE | T 613.745.6100
E quotemehappyOttawa@CHESspecialrisk.ca
TORONTO OFFICE | T 416.452.7850
E quotemehappyToronto@CHESspecialrisk.ca
MAKE YOUR MOVE
CHESspecialrisk.ca
CANNABIS INSURANCE
WHAT CLIENTS DO WE TARGET?
We target an extensive range of Cannabis companies
including:
▶ Cultivators (Indoor, outdoor and greenhouses)
▶ 3rd party processors / harvesters
▶ Micro growers / craft growers
▶ Cannabis related product manufacturers
▶ Wholesalers / distributors
▶ Laboratories / R&D
▶ Medical cannabis dispensaries
▶ Ancillary industry
THE PRODUCT WE OFFER
▶ Products liability (“claims made” basis)
▶ Public / pollution liability (“occurrence” basis)
▶ Clinical trials liability
(legal liability or no fault compensation depending on territory)
▶ Product recall
SUPPLEMENTARY CLASSES
(written in conjunction with core classes):
• Medical malpractice
• Incidental professional indemnity
PROGRAMME STRUCTURE:
• Primary or “excess of loss” layers
• Direct or facultative reinsurance
LIMITS:
CAD 10,000,000 CGL / products
CAD 15,000,000 AOC / AGG product recall
CHES Special Risk Inc. is one of the preeminent Product Recall and General Liability Package providers to the Cannabis Industry and have
designed a bespoke liability solution specifically for a broad spectrum of industries operating within this newly emerging segment. Our product
provides a unique solution covering the liabilities associated with the Industry, and also the high cost of recall, should something be wrong with
the product once released to the public.
Despite its unique circumstances, including a continuously changing regulatory environment, financing roadblocks and a still-evolving liability
landscape — the cannabis industry is growing rapidly. CHES Special Risk Inc is proud to be a market leader in the Cannabis Insurance by offering
bespoke Liability insurance solutions to meet the needs of licensed cannabis producers and manufacturers alike.
OUR MARKET APPROACH IS DIFFERENT
FROM OTHER MANAGING GENERAL AGENTS & INSURANCE ORGANIZATIONS
OTTAWA OFFICE | T 613.745.6100
E quotemehappyOttawa@chesspecialrisk.ca
TORONTO OFFICE | T 416.452.7850
E quotemehappyToronto@chesspecialrisk.ca
MAKE YOUR MOVE
ChesSpecialRisk.ca
SOCIAL MEDIA INFLUENCER
Commercial broad form for buildings
and contents
Commercial form extensions include:
▶ Computer Equipment
▶ Camera Equipment
▶ Cellphones
▶ Contents
▶ Glass
▶ Earthquake and Flood
▶ Master Key
▶ Extra Expense
▶ Money
▶ Business Interruption
▶ Crime
• Coverage extension to Include Boiler
and Machinery
CGL LIMITS UP TO CAD$5,000,000
CGL extensions include:
▶ Errors and Omissions
▶ Advertising Liability
▶ Libel and Slander
▶ Breach of Intellectual Rights
▶ Breach of Confidentiality
▶ Employee Benefit Liability
▶ Tenants Legal Liability
▶ Medical Payments
▶ Personal and Advertising Liability
▶ Employment Practice Liability
▶ Products Recall Expense
▶ Faulty Workmanship
CHES Special Risk Inc. is one of the leading package providers to the new and innovative industry’s, and are pleased to offer their insurance
solution to the social media industry. Our unique offering is to cover the risks that traditional package insurers may miss or provide at inadequate
levels. We therefore design our products to provide a specific and tailored policy that gives you realistic cover at the right price.
SOCIAL MEDIA COMMETATORS AND INFLUENCERS INCLUDING ON-LINE PRODUCT PROMOTION AND MARKETING
Our long term involvement in this specialist area providing tailored solutions is what sets CHES Special Risk Inc. apart. Coverage is available to
the individual influencer active on their social media accounts or for the large corporates providing these services on behalf of fashion houses or
manufacturers alike.
WHO SHOULD BUY THIS COVER
▶ Bloggers
▶ Vloggers (Video Bloggers)
▶ Thought Leaders
▶ Key Influencers
▶ Celebrities
▶ Sports Personalities
▶ Professional Sports Clubs
▶ Public Figures
▶ Academics
▶ Founders & Senior Company Directors
COVERAGE HIGHLIGHTS
• World-wide jurisdiction, as social media
is not limited to a home jurisdictions
and is seen by fans world-wide.
OUR MARKET APPROACH IS DIFFERENT
FROM OTHER MANAGING GENERAL AGENTS & INSURANCE ORGANIZATIONS
OTTAWA OFFICE | T 613.745.6100
E quotemehappyOttawa@CHESspecialrisk.ca
TORONTO OFFICE | T 416.452.7850
E quotemehappyToronto@CHESspecialrisk.ca
QUEBEC OFFICE | T 450.618.1716
E SoumissionsMontreal@CHESspecialrisk.ca
MAKE YOUR MOVE
CHESspecialrisk.ca
TARGET CLIENTS INCLUDE:
• Fork Lift Consultants
• Forestry Consultants
• Recruitment Consultants
• Business / Management
/ Training Consultants
• Social Media Influencers
• Event and Wedding Planners
• Photographers
• Interior Designer
(no structural work)
• Funeral Directors
• Property Managers
• Trade Association
• Health & Safety
Inspection Service
• Non Destructive Testing
• Shipping & Freight
Forwarding Consultants
• Tour Organizers
KEY ASPECTS OF THE COVER
▶ Limits available up to C$10,000,000
▶ Defence costs in addition
▶ Breach of contract
▶ Rectification cover
▶ Breach of a professional duty
▶ Inadvertent transmission of a computer virus
▶ Dishonesty of employees
▶ Failure to protect against unauthorised access or use
▶ Denial of service attack
▶ Defamation
▶ Breach of confidentiality and misuse of information
▶ Infringement of Intellectual Property Rights
▶ Loss or damage to documents
▶ Negligent acts, errors, omissions,
misstatements or misrepresentation
▶ Irrecoverable fees
▶ Duty to defend basis
▶ Extended reporting periods
▶ Compensation for court attendance
GENERAL LIABILITY
We can also offer a separate GL section with this wording.
CYBER EXTENSION
We can offer cyber extension with this wording.
Much of the cyber exposure is included within our main wording,
but our extension will give additional first party cover for:
▶ Data protection defence costs
▶ Notification costs following a loss of data
▶ Public relations and crisis management services
▶ Cyber business interruption
▶ System rectification costs
▶ Data extortion
▶ Regulatory defence and pentalies
D&O AND EPL EXTENSION
We can also offer an extension for Directors and Officers and
Employment Practices Liability
Professional Risks, Errors and Omissions (or Miscellaneous) business is, by its very nature, difficult to define. If a company or individual is in the
business of selling their knowledge or services then the prospect of a complaint or an allegation of negligence can be very real. Even if such
allegations are baseless, it can be a very stressful and costly process to defend. Having an errors and omissions policy provides peace of mind,
both for the insured and their clients.
In recent years there has been a marked growth in the number and variety of service industries that would fall into this category. Anyone who offers
adviceorconsultancyisdeemedtobeaprofessional.Ifyouareunsureastowhetherornotwewillconsiderariskpleasecontactoneofourunderwriters.
PROFESSIONAL RISKS
ERRORS & OMISSIONS INSURANCE
OUR MARKET APPROACH IS DIFFERENT
FROM OTHER MANAGING GENERAL AGENTS & INSURANCE ORGANIZATIONS
OTTAWA OFFICE | T 613.745.6100
E quotemehappyOttawa@CHESspecialrisk.ca
TORONTO OFFICE | T 416.452.7850
E quotemehappyToronto@CHESspecialrisk.ca
QUEBEC OFFICE | T 450.618.1716
E SoumissionsMontreal@CHESspecialrisk.ca
MAKE YOUR MOVE
CHESspecialrisk.ca
OPTIONAL COVERAGES
▶ Liquor liability provides coverage for potential claims that may arise
out of the serving of alcohol at an event. Our standard GL policy
provides host liquor insurance, which applies when an insured is not
in the business of selling, serving or distributing liquor.
▶ NOHA (Non-owned / hired auto).
▶ Inland Marine provides coverage for the replacement value of
rented equipment by the insured if damage were to occur while
under the insured’s control.
▶ Excess spectator / participant / volunteer medical coverage provides
coverage when a spectator / participant / volunteer injures themselves
at an event and needs only their medical expenses covered. The policy
acts as an excess policy over a person’s primary insurance but acts as
primary insurance if no other coverage is in place.
▶ Additional insured certificates are available for a person or an
organization that has a financial interest or liability at stake for
your event.
▶ For film / commercial shoots we can offer GL coverage up to
$10 million in limits; negative film; faulty stock; props, sets and
wardrobe; miscellaneous equipment; extra expense up to $1
million; third-party property damage; and money and securities.
LIMITS
• General liability: $1 million per occurrence / $2 million aggregate
• Liquor liability: $1 million per occurrence / $1 million aggregate
• NOHA: $1 million
• Inland marine: Varies by value of equipment rented
• Excess spectator / participant medi- cal: $5,000 per occurrence
/ $50,000 aggregate
• Excess volunteers medical: $50,000 per occurrence / $250,000 aggregate
• Participantmedical:$10,000or$25,000peroccurrence/$50,000aggregate
EXCESS LIMITS
• Excess limits of up to $15 million available
TENANT USER LIABILITY INSURANCE POLICIES (TULIP)
TULIP programs are a simple solution for venues or facilities owners
to set up annual policies covering third-party liability for their lessees
when holding events. The coverage provides the proper insurance for
the lessee based on the venue or facility’s requirements and therefore
holds the venue / facility harmless should an incident occur during
the event. Through our TotalEvent online system, the venue and/or
broker will have the ability to set up annual TULIP policies based on
certain event types. Lessees can go into their own portal and either
opt into the group policy for that particular event, or upload their own
proof of insurance.
Special event liability insurance provides coverage for third-party bodily injury and property damage that may arise out of an event. Coverage
can be provided on a short-term basis for event organizers or exhibitors, or it can be provided on an annual basis for event / meeting planners
and other professionals.
SPECIAL EVENT LIABILITY
TARGET INSUREDS
• Animal shows
• Arts and crafts festivals
• Beauty pageants
• Fashion shows
• Concerts
• Conventions
• Dances
• Exhibitions
• Fairs and festivals
• Film / commercial shoots
• Fundraisers
• Graduations
• Luncheons and picnics
• Marathons
• Meetings
• Parties
• Performers / bands
• Receptions
• Religious ceremonies
• Road races (running)
• Seminars
• Sporting events
• Weddings
• And much more
OUR MARKET APPROACH IS DIFFERENT
FROM OTHER MANAGING GENERAL AGENTS & INSURANCE ORGANIZATIONS
OTTAWA OFFICE | T 613.745.6100
E quotemehappyOttawa@CHESspecialrisk.ca
TORONTO OFFICE | T 416.452.7850
E quotemehappyToronto@CHESspecialrisk.ca
MAKE YOUR MOVE
CHESspecialrisk.ca
LIFE SCIENCES INSURANCE
PHARMACEUTICAL, BIOLOGICS AND MEDICAL DEVICES
Insure your Life Sciences entities
with custom-made solutions
LIFE SCIENCES
Within Pharmaceuticals, Biologics/Biotechnology and Medical Devices we are able to assist with:
▶ Manufacturers ▶ Wholesale/Distribution ▶ Contract Manufacturers ▶ Research and Development
▶ Contract Research Organizations ▶ Testing Laboratories ▶ Professional Services to the Industry ▶ Clinical Trials
Including: Generic Drugs, Final Formulation Medicines, Over-the-Counter, Nutraceuticals/Natural Health Products,
Fine Chemicals/Active Ingredients, Cosmetics and Veterinary Medicines.
CHES Special Risk provides Product Liability, Commerical General Liability, Incidental Product Recall, Incidental Medical Malpractice and
Errors & Omissions for your Life Sciences clients.
Our list is not exhaustive!
FIND OUT HOW CHES SPECIAL RISK POLICY CAN BETTER RESPOND TO YOUR CLIENTS’ NEEDS
LANDLORD COVERAGE
Building insurance for landlords
Whether you’re a commercial landlord or a buy-to-let investor, your
property is your most important asset. But that asset faces a range
of risks every day. Fire, flood, and countless other potential disasters
mean that your property needs protection – and with our specialist
cover options, at CHES Special Risk you can get just that. Safeguard
your investment today, and get on with enjoying the benefits.
Need insurance for your furnished rental?
Furniture and fittings in a furnished rental property can run to
thousands of dollars, so proper protection is a key priority for most
landlords. With CHES Special Risk you can get tailored cover for your
assets, buying contents insurance as part of a complete landlord
policy that can also include landlord buildings insurance and landlord
liability insurance. With us, it’s quick, quality cover, minus the hassle.
Built for landlords – your income protection
If a crisis hits and your tenants had to move out, what would be the
cost to you in rent? Loss of rent cover protects you against this risk.
The insurance pays out in the event of a claim for loss or damage
caused, for example by fire or flood, that means your tenants can no
longer stay in the property.
One to remember – loss of rent insurance won’t protect you against
your tenants simply defaulting on their rent. That’s a separate matter.
Landlord liability insurance
Landlords face a unique set of risks every day – and some of those
risks are potentially very expensive. If your property causes injury or
damage to a tenant or visitor, you’re likely to be liable. However well
prepared you are, accidents do happen – and a single compensation
claim can be financially crippling. With CHES Special Risk, landlord
liability insurance can help make sure you’re protected, leaving you
free to get on with day to day issues.
Landlord and home insurance cover – what’s the difference?
When it comes to rental property insurance, working out what cover
you need can seem tricky. In general, a conventional home insurance
policy won’t be enough for a landlord. Home insurance won’t cover
your rental activities, so for a landlord, dedicated insurance is usually
essential. With CHES Special Risk you can build a flexible landlord
insurance policy, choosing from a range of key covers.
OUR MARKET APPROACH IS DIFFERENT
FROM OTHER MANAGING GENERAL AGENTS & INSURANCE ORGANIZATIONS
OTTAWA OFFICE | T 613.745.6100
E quotemehappyOttawa@chesspecialrisk.ca
TORONTO OFFICE | T 416.452.7850
E quotemehappyToronto@chesspecialrisk.ca
MAKE YOUR MOVE
ChesSpecialRisk.ca
OUR MARKET APPROACH IS DIFFERENT
FROM OTHER MANAGING GENERAL AGENTS & INSURANCE ORGANIZATIONS
OTTAWA OFFICE | T 613.745.6100
E quotemehappyOttawa@chesspecialrisk.ca
TORONTO OFFICE | T 416.452.7850
E quotemehappyToronto@chesspecialrisk.ca
MAKE YOUR MOVE
ChesSpecialRisk.ca
SKIN ART & TATTOO
COVERAGE HIGHLIGHTS
• Commercial Broad form with various limitations
and exclusions for Buildings and contents.
Commercial Form extensions include:
▶ Contents
▶ Glass
▶ Earthquake and Flood
▶ Master Key
▶ Extra Expense
▶ Fine Arts
▶ Business Interruption – ALS 12 months
▶ Crime
▶ Commercial Condo Unit Owners Endorsement
▶ Money
• Coverage extension to Include Boiler and Machinery
COMBINED MEDICAL MALPRACTICE/ERRORS AND
OMISSIONS AND CGL LIMITS UP TO CAD$5,000,000
CGL extensions include:
▶ Tenants Legal Liability
▶ Pollution (Sudden and Accidental)
▶ Medical Payments
▶ Employee Benefit Liability
▶ Personal and Advertising Liability
▶ Employment Practice Liability
▶ Products Recall Expense
▶ None Owned Auto
CHES Special Risk Inc. is one of the leading package providers to the Skin Art and Tattoo Industry. Our unique offering is to cover the risks that
traditional package insurers may miss or provide at inadequate levels. We therefore design our products to provide a specific and tailored policy
that gives you realistic cover at the right price.
TATTOO STUDIOS SKIN ART LASER TATTOO REMOVAL PIERCING STUDIOS PERMANENT MAKE-UP STUDIOS
Our long term involvement in this specialist area providing tailored solutions is what sets CHES Special Risk Inc. apart. We can cover the buildings,
contents, equipment and the associated covers, such as Business Interruption, in addition our specialist coverage for the CGL and medical
malpractice is designed to ensure that we provide one of the most extensive product offerings in the market.
48

4. Commercial
Business
Insurance –
Canada
Subscription
support
CHES Special Risk offers protection in both standard and
sub-standard categories of insurance, including package
and property extension, such as crime and boiler.
CHES Special Risk supports your existing carriers
if their line size has been reduced or can lead a
placement, and help you keep your renewals.

5. Variety is the
spice of life
We offer a wide range of Insurance options designed for specific types of business
and specific types of Industries, don’t just think we are substandard hard to place.
CONTRACTORS SMALL BUSINESSES MANUFACTURERS LARGE COMPANIES RETAIL WAREHOUSING
WHOLESALE OFFICE PACKAGES REALTY HEALTH SERVICES B&P SERVICES

6. Coverage Distribution
We protect your clients with special coverage, on either
a broad form or named perils basis, for their buildings,
contents, breakdown of equipment, lost income due to
business interruption and legal liability for their premises
and products.
We don’t deal direct to members of the public, we
support the Canadian Broker distribution industry and
currently work with in excess of 1,000 brokerages
across the country.

7. Coverage classes
▶ Medical malpractice, E&O and CGL, including building and contents package
▶ Construction and Builders all risk, and additionally Wrap-Up Liability
▶ Commercial property and Liability package
▶ Jewellers Block property and Liability package
▶ CGL Stand alone
▶ E&O Stand alone
▶ Pollution Liability stand alone
▶ Cyber package
▶ Intellectual property coverage
▶ Marine Cargo
▶ InLand marine and MTC
▶ Sabotage, Terrorism and Active Assailant

8. AWARD WINNING MGA
Founding members of:
Contact us
Strike up a relationship with one of our many underwriters across Canada or at one the following offices:
OTTAWA OFFICE | quotemehappyOttawa@CHESspecialrisk.ca
TORONTO OFFICE | quotemehappyToronto@CHESspecialrisk.ca
QUEBEC OFFICE | SoumissionsMontreal@CHESspecialrisk.ca
CHESspecialrisk.ca