Non-Standard Risks

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