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Tokio Marine Canada’s Commercial Insurance Solutions team offers comprehensive,

tailored solutions for businesses in the areas of Property and Liability.

We aspire To Be a Good Company supporting good companies, who value relationship, expert advice and a solutions-based approach to underwriting challenges.

Commercial Property

Appetite: The Company’s underwriting appetite extends to over 80% of the 773 IBC codes that are monitored.

Target Classes Excluded Risks
Construction and Contracting Coal mining/Coal-Fired Power Generation
Manufacturing Cannabis
Retail Cyber-currency
Wholesale, Distribution, Warehousing Underground mining
Commercial Realty Fish Farms
Business & Professional Services Greenhouses
Health Services


Property Policy Structure options linked to Premium size:

Account type Premiums Policy Structure ($20M max capacity) Mandatory CGL / Package ? Wording
Mid-Market $25k-$100k Straight-up or quota share No TMC
Upper Mid-Market >$100k Straight-up, Quota share, Primary, or Excess No *TMC or broker manuscript

*Manuscript wording requires a minimum property premium of $50,000 to Tokio Marine Canada Ltd. 

Optional Property Coverages can include:

  • Course of Construction (Builder’s Risk)
  • Flood
  • Earthquake
  • Sewer Back-Up


Commercial Liability


General Liability

  • Broad form including related endorsed coverages, Employers Liability, Tenants Legal and Voluntary Comp.
  • Occurrence or Claims Made basis
  • Monoline or Packaged

Excess and Umbrella Liability

  • Occurrence or Claims Made basis
  • Monoline or combined with General Liability (Minimum point of attachment = $1M)

Wrap- Up Liability

Occurrence Basis


Covering risks domiciled in Canada including subsidiary or affiliated operations in other countries.

Classes of Business:

TMC’s Casualty target risk appetite is focused primarily on:

  • General & Subcontractors
  • Construction
  • Erection & Installation
  • Wrap-up
  • Manufacturing, Distribution, Wholesale (including product sales to the USA)
  • Retail Operations
  • Licensed Establishments
  • Commercial & Industrial Realty

Limit of liability:

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.



Tokio Marine Canada Small and Medium Enterprise product coming soon!

Contact our Commercial Insurance Solutions Team:

Joe Vachon

Senior Vice President, Commercial Insurance Solutions

Joe McKeown

Vice President, Property, Commercial Insurance Solutions

Vince Rende

Vice President, Casualty, Commercial Insurance Solutions

Perry Hughes

Vice President, Account Executive, Property, Commercial Insurance Solutions

Tim Shannon, MBA, CIP, CRM

Assistant Vice President, Small & Medium Sized Enterprises

Rene-Philippe Jobin

Assistant Vice President, Casualty, Commercial Insurance Solutions

Sonia Piteo

Assistant Vice President, Casualty, Commercial Insurance Solutions

Cindy Long

Underwriting Specialist, Commercial Insurance Solutions