Beyond the Policy

One aviation client. Three different insurance markets. Sound familiar?

Hangar property with one market. Aviation liability with another. Aircraft coverage somewhere else.

For brokers working with aviation clients, this can be a familiar scenario. But what if we looked beyond individual coverages and considered the entire operation?

In this episode of Beyond the Policy, Liam and Sarah explore why aviation property goes beyond the hangar, from maintenance facilities and crew houses to aviation-related offices.

They also introduce AVRO Insurance Managers, a member of SPG Canada, bringing more than 40 years of specialized aviation underwriting experience and the ability to explore multiple aviation coverage needs through one specialist market relationship.

Discover why one aviation client doesn't always have to mean three separate market relationships.

Beyond the Policy — Presented by SPG Canada.

⁠https://avroinsurance.com/services/#commercial-property⁠

A conversation about a cottage may reveal a boat. A discussion about an acreage may bring up an ATV. In this episode of Beyond the Policy, we look at the clues brokers can listen for, the question they can ask next, and how to move each risk forward. Property and recreational assets require separate applications and underwriting reviews.

https://spgcanada.ca/blog/team-spotlight-personal-lines-toys-q3-2026?utm_source=spotify&utm_medium=podcast&utm_campaign=personal-lines-toys-q3-2026&utm_content=ep13

Three markets. Three renewal dates. Three sets of forms. Most breweries are still insured like it's 2010.

In our latest Beyond the Policy episode, Sarah Mitchell and Liam Fraser introduce SPG Canada's new Craft Brewery Insurance Package: the craft of protection, one form, whole operation, built for every kind of craft. Up to $5M per occurrence, a $250,000 Product Recall limit, and coverage for the smaller losses that hit cash flow hardest.

Listen now or reach out to our hospitality team at [email protected]

Learn more about the product:Brewery Insurance Brochure#BeyondThePolicy #SPGCanada #BreweryInsurance #HospitalityInsurance #BrokerEducation

Your client offers a $100,000 Hole in One prize and someone makes the shot. Who pays?

In this episode of Beyond the Policy, Liam Fraser and Sarah Mitchell break down the difference between Single Tournament and Seasonal Hole in One coverage, helping brokers identify the right option for each client.

You’ll learn:

• The key question to ask before choosing a policy
• When Single Tournament coverage is the right fit
• When to consider a Seasonal Tournament Package
• How prize reinstatement keeps the excitement going after a winning shot
• The fastest way to quote, bind, and submit coverage

Ready to place coverage?

For Single Tournament coverage, quote, bind, and issue directly through the SPGC Portal:
https://portal.spgcanada.ca

For Seasonal Tournament coverage, submit the completed application to:
[email protected]

Learn more about Hole in One coverage and access product resources:
https://beacon.insure/products/hole-in-one/

Three questions, three steps—and coverage that fits the way your client is actually running their event.

How the enhanced Earthquake Deductible Buydown changes the math for commercial property clients!Sarah and Liam break down what changed when the Earthquake Deductible Buydown that brokers knew under Cansure was enhanced and brought under SPG Canada. Same team, same earthquake underwriting expertise — now with deeper capacity and a faster, portal-based path to bind. Sarah explains the enhancements that matter to brokers (buy-down capacity up to $5M, overlying TIV up to $200M, deductibles as low as 3%, all commercial occupancies, coast to coast excluding Quebec)

The whole world is about to land on Canadian soil. Thirteen matches across Toronto and Vancouver. Three days until kickoff. The businesses caught in the middle of it all  hotels, restaurants, retailers, event organizers  are about to have the busiest summer of their careers.

Their policies need to be ready too.

In our latest Beyond the Policy episode, Sarah Mitchell and Liam Fraser break down the four coverage conversations every broker should be having this week:

▸ Special Events — fan zones, watch parties, corporate hospitality

▸ Hospitality — hotels, motels, bars, restaurants

▸ Retail & Automotive Trades — pop-ups, vendors, foot traffic

▸ Cyber — phishing, fake tickets, POS attacks

Warm, fun, and broker-first. The episode you forward to your team before the first whistle blows.

By May, most BC bikes are already out of the garage. The first ride has come and gone, but for most riders, the coverage review never quite happens.

In our latest Beyond the Policy episode, Sarah Mitchell and Liam Fraser walk through the five-minute conversation every motorcycle renewal should include. Agreed Value vs. Actual Cash Value. The gear coverage and roadside assistance already built into a well-written policy. And the experience-based discounts that quietly sit unclaimed on declarations pages across the province.

If you have motorcycle clients on your book, this is the renewal conversation.

Listen now

New Beyond the Policy episode dropping Monday, May 25th

The bike is out. Is the policy caught up?

The five-minute coverage review every motorcycle client should be having right now.

Boating season is here. From Muskoka to Howe Sound, every marina is about to fill up. And every May, brokers across Canada take the same call from clients: "I clipped the dock."The most common claims of the season are also the most preventable, which is exactly why the spring conversation matters more than the post-incident one. In our latest Beyond the Policy episode, hosts Sarah Mitchell and Liam Fraser walk brokers through what every pleasure craft client should be reviewing before the first warm Friday afternoon.

For brokers, Beacon Boats and Personal Watercraft coverage is available through the SPGC Portal at portal.spgcanada.ca — quote, bind, and issue 24/7.

If you’re a boat owner listening — whether you’re heading to Muskoka or to Howe Sound this weekend — send this episode to your broker. The renewal conversation is a much better one than the claims conversation.

Canada's $50 billion architecture and engineering industry is booming with massive infrastructure investment, but most A&E firms are dangerously underinsured. StandardE&O policies miss critical exposures like pollution liability, joint venture coverage, and intellectual property risks. Sarah Mitchell and Liam Fraser break down why design professionals need specialty coverage for long-tail claims, personal tort liability, and evolving technology risks. FromBIM software to AI design tools, this episode reveals the gaps that could cost architects and engineers their careers — and how specialty A&E coverage actually protects what they've spent years building.