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.

Everyone followed the KitKat heist. 12 tonnes of limited-edition Formula 1 chocolate, stolen in transit between Italy and Poland. But what does a business actually learn from it? In this episode, Sarah and Liam break down five insurance lessons hiding inside the story and give business owners and their brokers a simple, actionable checklist. Short, fun, and straight to the point.

Your condo client just got a twenty-thousand-dollar bill from the strata. Your homeowner client is staring at a four-hundred-thousand-dollar deductible. Same earthquake. Completely different problems. Completely different solutions. Sarah Mitchell and Liam Fraser walk through the two residential earthquake coverages every BC broker needs to understand and why mixing them up could leave a client exposed. Part 2 of 2.

https://spgcanada.ca/personal/earthquake/

The Trial Was Ready. The Insurance Wasn't.

A small biotech team. A promising cancer treatment. Trial sites ready in Vancouver, Toronto, and Berlin. Patients waiting. And a two-week wait for an insurance certificate that should have taken days.

In this episode, Sarah and Liam explore why clinical trials insurance is one of the most underserved — and time-sensitive — opportunities in the Canadian broker market. With a major regulatory shift hitting April 2026, the brokers who understand this space now will be the ones getting the call.

Listen in. Then reach out: [email protected]

One pays when there’s physical damage. The other pays when the earthquake hits, no adjuster needed. Sarah Mitchell breaks down Earthquake Deductible Buydown vs Parametric Coverage for commercial properties. If you’re an insurance broker or business owner in BC, this is the episode that makes the whole earthquake insurance puzzle click. Part 1 of 2.