South Western Group Insurance

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South Western Group Insurance (SWG) built its reputation on being able to create insurance solutions for hard-to-place commercial clients that had problems getting the coverage they needed to stay in business.

Company Overview

SWG has spent decades perfecting the process of underwriting high risk clients, and it continually adds to its already comprehensive line of niche insurance offerings. Clients who do business with South Western Group find:

• A financially stable company that excels in protecting high risk commercial clients
• A company that responds directly to the needs of brokers and clients
• A company that is not afraid to analyze a high risk situation and create a custom solution
• A company that has streamlined its processes to cut down costs which helps to lower premiums for clients

South Western Group Insurance deals strictly in commercial insurance and has developed a strong ability to deliver effective solutions to niche clients. The underwriting team is made up of industry experts who are constantly utilizing the latest solutions to help hard-to-place commercial clients to get the coverage they need.

SWG Insurance Strengths

Offering reliable insurance for hard-to-place business clients is an extremely tricky type of insurance operation. South Western Group Insurance has been able to not only stay in business for several decades, but it has grown significantly. The company has been able to stand firm on its many business advantages, which include:

• Financial Stability – Any insurance entity looking to work with high risk commercial clients needs to have a strong financial foundation to survive and offer effective client services. South Western Group has experienced growth for years, and it has created the kind of financial stability its clients can rely on.
• Underwriting Expertise – SWG is an extremely proactive company that is constantly improving its underwriting methods. The company has developed a series of innovative ways to handle commercial risk, and it growing knowledge base enhances its ability to help a wide variety of clients.
• Niche Business Services – South Western Group Insurance offers liability protection for businesses such as tattoo parlours and security companies with a high level of efficiency. The company continues to expand its ability to work with the many different types of Ontario businesses that other insurance providers prefer to avoid.

SWG Insurance Products

South Western Group’s line of products includes five categories of offerings designed for niche business owners and high risk commercial clients. The company is able to customize its current offerings to try and fit the needs of its growing client base.

Professional Liability

Mistakes can happen at any point in the history of a business, and there can also be unexpected events that can create serious financial consequences. South Western can help hard-to-place business to get the liability coverage they need at reasonable prices. The company’s professional liability coverage is broken down into groups that include:

• Architects and engineers
• Insurance brokers and agents
• Information technology providers and professionals
• Digital and print media companies
• Seed developers and manufacturers
• Travel agents and tour companies
• Miscellaneous businesses such as consultants, professional trainers, and accountants

Hospitality Industry Insurance

South Western Group offers extensive liability coverage to the hospitality industry for businesses such as bars, nightclubs, and adult entertainment locations. The coverage includes:

• Property coverage
• Cybersecurity protection
• Revenue and business interruption coverage
• Flood protection
• Earthquake coverage
• Sewer back-up coverage
• Crime liability protection
• Commercial general liability
• Tenants liability protection
• Rented vehicle protection
• Mechanical equipment coverage
• Legal defence coverage

Commercial General Liability

South Western Group has commercial liability coverage options for businesses that many insurance companies cannot cover. Some of the types of businesses that can benefit from this coverage include:

• All types of contractors
• E-cigarette makers and sellers
• Roofers
• Wholesale distribution
• Retail sales
• Remediation services
• Cosmetics manufacturing
• Fireworks manufacturing and sales
• Snow removal and other landscaping services
• Pyrotechnic performance companies

Pollution Liability

SWG Insurance uses its high risk underwriting experience to offer environmental and pollution liability insurance. The coverage includes:

• Unexpected pollution events
• Clean-up costs for on-site and off-site locations
• Business reinstatement costs
• Emergency response protection
• Damage to local natural resources
• Third-party bodily injury and property damage costs
• Payment of fines and penalties associated with environmental events
• Legal defence costs

Commercial Property

All commercial property is not created equal, and South Western Group Insurance can help to properly insure business locations that might otherwise be improperly protected. The types of properties that South Western can insure include:

• Woodworking shops
• Hotels
• Taverns
• Restaurants
• Rooming houses
• Fibreglass manufacturing facilities
• Vacant commercial structures
• Fertilizer processing plants
• Technology manufacturing and retail sales locations

South Western Group Insurance Reviews