Navigating borders with deeper collaboration

Lady in store

There are many benefits that brokers can offer their clients by sourcing multi-line coverage, particularly in circumstances that involve US exposure. When approached by a broker looking for Property and Commercial General Liability (CGL) coverage for their client who distributes and sells a variety of giftware, home, and garden items in both Canada and the US, our underwriting team at RSA aggressively pursued the opportunity. 

Based on the client’s strong risk management and quality controls, we were able to offer a complete cross-border solution. 

Thorough and robust underwriting

By working closely with the broker, we learned the company’s products were tested for quality in Canada after being imported from China. This allowed us to provide the best price and the best underwriting solution for their client.

Seray Zurnacioglu, Trading Underwriter – Property & Casualty, Ontario Region, who coordinated the original quote for this client, explains some of the technical reasons why this account fell within RSA’s risk appetite. “I was thrilled with the client’s proactive approach to quality and risk control, which was reflected in their excellent loss history,” said Zurnacioglu. “This gave me the comfort to use our full in-house capacity and insure 100% of the risk. RSA has had a lot of success winning manufacturing accounts this year – we’re taking the time to understand the risk and exposures better than the competition and as a result provide great terms.”

Cross-border solution

In this case, US-admitted paper was required for the client’s distributor showroom and third-party warehouses. Zurnacioglu said that she took the time to ensure the broker fully understood the extent of RSA’s US capabilities.

“The broker was looking for an insurer to write property and handle the US-admitted paper requirements,” said Zurnacioglu. “I walked them through our US capabilities, highlighting that we service all 50 states, offer risk inspection services and have an expert panel of claims professionals to ensure claims are handled quickly and professionally.”

Complete and comprehensive solutions

Our full suite of products, dedicated and responsive service, and industry-leading claims service give our brokers’ clients the confidence they need that they are adequately managing their risk to protect their bottom line and commitment to their customers.

“At RSA, we believe in a true partnership approach with brokers to facilitate best-in-class insurance solutions for their clients,” says Paul Lucarelli, Senior Vice President, Commercial Insurance. “Across the country we are hungry for growth in our large commercial business, and we are seeking opportunities to partner with brokers to win substantial accounts as lead carrier.”

Disclaimer: It should be noted that the related underwriting, risk control or claims outcomes in the article are not a guarantee of future outcomes.