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.

Meet your hosts. Sarah Mitchell and Liam Fraser introduce Beyond the Policy — a new podcast by SPG Canada that makes specialty insurance actually interesting. No jargon. No sales pitches. Just real conversations about the products, risks, and opportunities that matter for your book of business. Whether you're an insurance broker, underwriter, or just curious about how insurance really works, pull up a chair.

🔗 spgcanada.ca | 📧 [email protected]

Something new is coming from SPG Canada. Beyond the Policy is a podcast that cuts through the complexity of specialty insurance and makes it actually make sense

🔗spgcanada.ca | 📧 [email protected]