Totten Insurance Group

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Totten Insurance Group has established its solid reputation on being able to solve commercial insurance issues for hard-to-place clients.

Company Overview

Totten Insurance Group offers full lines of commercial and personal insurance, but they are all geared towards hard-to-place clients. The company works through a network of professional brokers who all have experience in handling high risk line and exposure. Totten takes great pride in its underwriting group, which has developed a series of processes that allow the company to exceed client expectations.

The company’s list of coverage options includes amusement parks, kidnap and ransom scenarios, as well as hot application roofing businesses. Totten Group also uses its expertise to write comprehensive personal coverage for high risk groups and situations.

Clients come to Totten Insurance when they need:

• Insurance to protect against the cancellation of major events
• Coverage for businesses that are hard for other companies to protect
• Special risk coverage for high income homeowner situations
• Specialty animal coverage for horse and dog owners

Totten Groups Strengths

Hard-to-place insurance clients are constantly looking for better options, and Totten Group has become an option of choice for clients all over Ontario. The company has spent over a decade developing underwriting techniques and working with other insurance providers to offer comprehensive insurance for people and businesses who find it hard to get the coverage they need. Some of the benefits of doing business with Totten Insurance Group include:

• Broad Underwriting Experience – Totten Insurance Group relies on underwriting and hard-to-place experience from a broad range of Canadian and international insurance carriers. One of the things that makes Totten Insurance a good choice for high risk clients is the extensive resources available to the company when it comes to creating customized coverage.
• Integrity Is A Goal – Many insurance companies say that they are proud of their integrity, but high integrity is a core part of the corporate culture at Totten. It is important that a hard-to-place carrier take pride in its level of customer service, but integrity is not always part of the game plan for other high risk insurers. Totten Insurance Group listens to its clients and has a strong record of being up front and honest with its clients and brokers.
• Dynamic Service Offering – Totten Insurance Group is constantly experimenting with its high risk underwriting skills to offer an expanding range of coverage options. The types of industries the company does business with is constantly growing, and Totten Group is also regularly looking into enhancement options and discounts for clients as well.

Totten Group’s Specialty Insurance Products

Totten Insurance Group offers growing lines of personal and commercial insurance products for hard-to-place clients. The company can put together a comprehensive package from the coverage options it has, or it is more than willing to develop a custom solution for any client.

Commercial Casualty

Totten can write liability coverage for almost any type of event or industry. When it comes to commercial casualty insurance, some of the industries and situations that can be covered include:

• Amusement parks
• Professional organizations as protection from sexual assault allegations
• Kidnapping situations involving ransom demands
• Pharmaceutical industry
• Product recall
• Contractors pollution liability
• Roofing contractors (especially commercial hot application roofing)

Professional Liability

Certain professions can find it difficult to get reliable insurance and Totten Group is here to help. Some of the types of professionals that can be covered include:

• Architects
• Engineers
• Roofing consultants
• Long-term medical care professionals
• Fitness clubs
• Home inspection professionals
• Tattoo parlours

Commercial Property

Sometimes a hard-to-place client becomes high risk for the services they offer on their property. In that instance, Totten Insurance can cover the commercial property of business such as:

• Boarding houses
• Casinos
• Hot dog carts
• Auto body repair businesses
• Hotels
• Vacant properties

Environmental

Totten Group has developed a wide range of environmental liability protection products for industries such as:

• Remediation contractors
• Asbestos removal firms
• Fuel transport businesses
• Waste management
• Welding
• Recycling plants
• Municipal governments

Personal Lines

The clients who need personal lines services from Totten Group know that they are hard-to-place clients. Totten can protect a variety of personal interests including:

• High value homeowners
• Owners of student housing
• Builder’s risk for personal property
• Bed and breakfast
• Seasonal vacation homes
• Second homes
• Dog kennels

Garage Coverage

Totten Group has a full line of liability protection products for vehicle repair businesses. The types of business that are covered include:

• Gas bars
• Car washes
• Auto body repair shops
• Specialty vehicle repair businesses
• Used car sales and repair companies
• Service stations

Hospitality

Hospitality businesses are among the most common hard-to-place clients that Totten works with. The company’s hospitality clients include:

• Hotels
• Motels
• Restaurants
• Resorts
• Spas
• Wineries

Totten Insurance Group Reviews