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Non-Standard Risks
Intact Insurance provides coverage for property risks that are more difficult to write due to the type of construction, occupancy, protection and/or exposure, loss experience, or class of business.
We consider a broad range of classes such as:
- Non-renovated buildings over 30 years old, made of combustible materials
- High-risk or vacant neighbouring properties or congested areas (bars, rooming houses, warehouses, etc.)
- Premises with maintenance prior maintenance issues
- Rooming houses or student residences
- Apartment buildings with 25 or more units, or in an undesirable location
- Non-standard heating systems
- Premises with non-standard dust collection or lacking dust collection entirely
- Premises with non-standard mounted fire extinguisher systems for cooking systems, or lacking systems entirely
- Restaurants less than five years in business and street food vendors
- Bars without dancing or shows
- Buildings with historical heritage value