Automobile

Product Details -

The Casualty Technical & Special Risk Department provides meaningful capacity to commercial and industrial companies. Our polices are tailored to Canadian domiciled companies with revenue in excess of $250,000,000 and/or products/ operations with high hazard exposures.


Our Automobile products are offered in support of other Temple casualty products including:

• Primary Commercial Liability policy and /or
• Primary Umbrella  and/or
• Excess Liability

We can provide automobile policies in all provinces and territories for commercial fleets.


Commercial fleets are statutorily defined as five (5) power units domiciled in a province, except ten (10) in the Province of Quebec. Targeted occupancy and industry groups include:
    • Heavy Manufacturing
    • Utilities: Generation, Transmission, Distribution, Bio-Energy
    • Oil & Gas
    • Mining
    • Large Food & Beverage and Distilleries
    • Communications
    • Public Service excluding municipalities
    • Forestry Products (excluding wood working)
    • High Tech Manufacturers
    • Companies that employ risk managers

Examples of Non Target Segments

    • Common / Contract Carriers -Long Haul trucking (>500 miles)
    • Public passenger exposures (i.e. bus fleets, taxi fleets)
    • Non-Canadian domiciled fleets
    • Third party hauling of hazard goods (chemical, propane, gasoline, natural gas)
    • Fleets requiring US automobile filings