{"id":1707,"date":"2022-03-10T19:12:46","date_gmt":"2022-03-10T19:12:46","guid":{"rendered":"https:\/\/tokiomarinecanada.com\/insurance-solutions\/commercial\/"},"modified":"2025-02-10T19:36:52","modified_gmt":"2025-02-10T19:36:52","slug":"commercial","status":"publish","type":"page","link":"https:\/\/tokiomarinecanada.com\/fr\/insurance-solutions\/commercial\/","title":{"rendered":"Aper\u00e7u de l\u2019assurance commerciale"},"content":{"rendered":"

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Nous comprenons le caract\u00e8re unique de chaque entreprise, impliquant des besoins de protection adapt\u00e9s contre une multitude de risques, allant des dommages mat\u00e9riels potentiels aux demandes d\u2019indemnit\u00e9s en responsabilit\u00e9 civile, tous susceptibles de mettre en p\u00e9ril la performance et la stabilit\u00e9 d\u2019une entreprise. L\u2019\u00e9quipe de souscripteurs d\u2019exp\u00e9rience en assurance commerciale de Tokio Maritime Canada met \u00e0 profit ses connaissances en mati\u00e8re d\u00e9cisionnelle \u00e0 l\u2019\u00e9chelle locale en plus de son expertise approfondie du secteur. Elle travaille \u00e9galement en \u00e9troite collaboration avec des courtiers pour \u00e9valuer et placer les risques li\u00e9s \u00e0 l’assurance autonome et les multirisques en vue de r\u00e9pondre aux besoins des clients au moment o\u00f9 ils en ont le plus besoin. Nous prenons le temps de comprendre les subtilit\u00e9s de chaque entreprise et de chaque secteur et offrons des conseils sur mesure et des solutions flexibles pour prot\u00e9ger les entreprises \u00e0 tous les stades.<\/p>\n

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\u00c0 venir<\/p>\n

[\/et_pb_cta][\/et_pb_column][\/et_pb_row][et_pb_row _builder_version=\u00a0\u00bb4.27.2″ _module_preset=\u00a0\u00bbdefault\u00a0\u00bb global_colors_info=\u00a0\u00bb{}\u00a0\u00bb][et_pb_column type=\u00a0\u00bb4_4″ _builder_version=\u00a0\u00bb4.27.2″ _module_preset=\u00a0\u00bbdefault\u00a0\u00bb global_colors_info=\u00a0\u00bb{}\u00a0\u00bb][\/et_pb_column][\/et_pb_row][\/et_pb_section][et_pb_section fb_built=\u00a0\u00bb1″ _builder_version=\u00a0\u00bb4.27.2″ _module_preset=\u00a0\u00bbdefault\u00a0\u00bb global_colors_info=\u00a0\u00bb{}\u00a0\u00bb][et_pb_row column_structure=\u00a0\u00bb1_2,1_2″ _builder_version=\u00a0\u00bb4.27.2″ _module_preset=\u00a0\u00bbdefault\u00a0\u00bb custom_margin=\u00a0\u00bb-38px|auto||auto||\u00a0\u00bb locked=\u00a0\u00bboff\u00a0\u00bb global_colors_info=\u00a0\u00bb{}\u00a0\u00bb][et_pb_column type=\u00a0\u00bb1_2″ _builder_version=\u00a0\u00bb4.22.1″ _module_preset=\u00a0\u00bbdefault\u00a0\u00bb global_colors_info=\u00a0\u00bb{}\u00a0\u00bb][et_pb_heading title=\u00a0\u00bbResponsable de l’assurance commerciale : \u00a0\u00bb _builder_version=\u00a0\u00bb4.27.4″ _module_preset=\u00a0\u00bbdefault\u00a0\u00bb title_level=\u00a0\u00bbh3″ custom_margin=\u00a0\u00bb-20px|||||\u00a0\u00bb global_colors_info=\u00a0\u00bb{}\u00a0\u00bb][\/et_pb_heading][et_pb_team_member name=\u00a0\u00bbAlison Donato\u00a0\u00bb position=\u00a0\u00bbVice-pr\u00e9sidente principale, Solutions d\u2019assurance commerciale\u00a0\u00bb _builder_version=\u00a0\u00bb4.27.4″ _module_preset=\u00a0\u00bbdefault\u00a0\u00bb custom_padding=\u00a0\u00bb||25px|20px|false|false\u00a0\u00bb hover_enabled=\u00a0\u00bb0″ border_width_left=\u00a0\u00bb10px\u00a0\u00bb border_color_left=\u00a0\u00bbgcid-2ab7e996-1a85-43be-9cb7-b8bc4d042a68″ global_colors_info=\u00a0\u00bb{%22gcid-2ab7e996-1a85-43be-9cb7-b8bc4d042a68%22:%91%22border_color_left%22%93}\u00a0\u00bb custom_margin_last_edited=\u00a0\u00bbon|tablet\u00a0\u00bb custom_margin_tablet=\u00a0\u00bb||30px||false|false\u00a0\u00bb sticky_enabled=\u00a0\u00bb0″ custom_margin_phone=\u00a0\u00bb||30px||false|false\u00a0\u00bb]<\/p>\n

adonato@tokiomarinecanada.com<\/a><\/p>\n

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tmcaninfo@tokiomarinecanada.com<\/a><\/p>\n

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Nous comprenons le caract\u00e8re unique de chaque entreprise, impliquant des besoins de protection adapt\u00e9s contre une multitude de risques, allant des dommages mat\u00e9riels potentiels aux demandes d\u2019indemnit\u00e9s en responsabilit\u00e9 civile, tous susceptibles de mettre en p\u00e9ril la performance et la stabilit\u00e9 d\u2019une entreprise. L\u2019\u00e9quipe de souscripteurs d\u2019exp\u00e9rience en assurance commerciale de Tokio Maritime Canada met […]<\/p>\n","protected":false},"author":10,"featured_media":0,"parent":1705,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"","meta":{"_et_pb_use_builder":"on","_et_pb_old_content":"\r\n

Commercial Property<\/strong><\/p>\r\n\r\n\r\n\r\n

Classes of Business<\/strong><\/p>\r\n\r\n\r\n\r\n

The Company\u2019s underwriting guidelines include appetite assistance for 772 IBC codes. Tokio Marine Canada\u2019s target risks will fall into one of the following categories:<\/p>\r\n\r\n\r\n\r\n

<\/p>\r\n\r\n\r\n\r\n

Classes of Business<\/strong><\/strong><\/td>Excluded Classes<\/strong><\/strong><\/td><\/tr>
\u00b7\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0 Construction & Contractors<\/td>\u00b7\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0 Taxi Fleets<\/td><\/tr>
\u00b7\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0 Light Manufacturing<\/td>\u00b7\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0 Trucking (defined as hauling goods of others)<\/td><\/tr>
\u00b7\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0 Retail<\/td>\u00b7\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0 Logging<\/td><\/tr>
\u00b7\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0Wholesale,Distribution, Warehousing<\/td>\u00b7\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0 Fish farming<\/td><\/tr>
\u00b7\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0 Commercial Realty<\/td>\u00b7\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0 Greenhouses<\/td><\/tr>
\u00b7\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0 Business and Professional Services<\/td><\/td><\/tr>
\u00b7\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0 Health Services<\/td>\u00a0<\/td><\/tr>
<\/td><\/td><\/tr><\/tbody><\/table><\/figure>\r\n\r\n\r\n\r\n

<\/a>Commercial General Liability, Umbrella, Excess<\/strong><\/a><\/strong><\/h2>\r\n\r\n\r\n\r\n

Classes of Business<\/strong><\/p>\r\n\r\n\r\n\r\n

TMC\u2019s Casualty target risk appetite is focused primarily on 4 key segments:<\/p>\r\n\r\n\r\n\r\n

  1. Contracting\/Construction Risks including Wrap Up (40% of expected Casualty GWP)<\/li>
  2. Manufacturing\/Distribution\/Wholesale - including US sales (20% of expected Casualty GWP)<\/li>
  3. Commercial Realty (20% of expected Casualty GWP)<\/li>
  4. Business & Professional SME Package business up to $25,000 maximum policy premium (20% of expected Casualty GWP)<\/li><\/ol>\r\n\r\n\r\n\r\n

    Limit of liability<\/strong><\/p>\r\n\r\n\r\n\r\n

    Maximum limits for CGL will be $10M per occurrence and in the aggregate. For umbrella policies, there will also be a maximum limit of $10M per occurrence and in the aggregate. For any given risk, there will also be a maximum combined limit of $10M for CGL\/Umbrella products.<\/p>\r\n\r\n\r\n\r\n

    Small and Medium Sized Enterprises<\/strong><\/a><\/strong><\/h2>\r\n\r\n\r\n\r\n

    TMC\u2019s Small and Medium sized enterprise business (SME) will focus on business with premiums less than $25,000 and on those that do not generally represent exposures or hazards that are abnormal to their class of business. This is the mass market segment of the P&C industry in Canada. Desired segments for TMC include:<\/p>\r\n\r\n\r\n\r\n

    • Small construction<\/strong> following the TMHCC Artisan model which will provide coverage to standard market contractors in limited types of low hazard operations. Examples include drywall, awning and electrical contractors<\/li>
    • Business and professiona<\/strong>l exposures focused on office exposures. Examples include: consultants, technology developers, media organizations and allied health office exposures. This segment will support professional lines.<\/li><\/ul>\r\n\r\n\r\n\r\n

      Small construction and business and professional automated SME segments will be managed through narrow eligibility that enables pass through automation and real time binding by leveraging the Artisan platform which is presently being used by TMHCC in the United States.<\/p>\r\n\r\n\r\n\r\n

      TMC will use the package policy model as it is a market expectation although the packages will address an insured's actual needs as much as possible as part of the Company\u2019s value proposition is to be a solutions focused underwriting company and manage aggregations.<\/p>\r\n\r\n\r\n\r\n

      Policies will include:<\/p>\r\n\r\n\r\n\r\n

      • Property<\/li>
      • Business Interruption<\/li>
      • Inland Marine (Focused on tools, contractors\u2019 equipment and installation)<\/li>
      • Equipment Breakdown<\/li>
      • Crime<\/li>
      • Casualty<\/li>
      • Optional Extensions
        • Basic Professional Lines<\/li><\/ul>
          • Optional Excess Casualty (Excess and Umbrella)<\/li><\/ul><\/li><\/ul>\r\n\r\n\r\n\r\n

            Modular product design will ensure that coverage is easy to add and remove but ensure limited customization that can take underwriting time.<\/p>\r\n\r\n\r\n\r\n

            The primary differentiator of TMC\u2019s SME business will be the broker portal platform based on TMHCC's Artisan portal. The Canadian Artisan portal will focus on creating a clear appetite with a limited and narrow eligibility and low data entry by the broker to support automated quoting, binding and issuing.\u00a0The initial offering will be limited to construction exposures, catering to residential and small commercial focused trades. Overall, the offering will only be available to 27 occupancies including drywall, carpentry and debris removal. The platform will not cater to problematic or high hazard occupancies. TMHCC\u2019s Artisan platform has been very successful following this strategy and TMC will not deviate from their approach.<\/p>\r\n\r\n\r\n\r\n

            The platform will be expanded to include an office package offering to support the professional solutions products, as well. This product will follow the same narrow eligibility and highly automated approach as the construction segment.<\/p>\r\n\r\n\r\n\r\n

            TMC will launch an SME product by the end of 2022.<\/p>\r\n\r\n\r\n\r\n

            \"\"\/<\/figure>\r\n","_et_gb_content_width":"","footnotes":""},"class_list":["post-1707","page","type-page","status-publish","hentry"],"yoast_head":"\nAper\u00e7u de l\u2019assurance commerciale - Tokio Marine Canada Ltd.<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/tokiomarinecanada.com\/fr\/insurance-solutions\/commercial\/\" \/>\n<meta property=\"og:locale\" content=\"fr_CA\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Aper\u00e7u de l\u2019assurance commerciale - Tokio Marine Canada Ltd.\" \/>\n<meta property=\"og:description\" content=\"Nous comprenons le caract\u00e8re unique de chaque entreprise, impliquant des besoins de protection adapt\u00e9s contre une multitude de risques, allant des dommages mat\u00e9riels potentiels aux demandes d\u2019indemnit\u00e9s en responsabilit\u00e9 civile, tous susceptibles de mettre en p\u00e9ril la performance et la stabilit\u00e9 d\u2019une entreprise. 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