What Underwriters at Intact & Aviva Want to See
Inspect the exact document structure, exposure metrics, and statutory endorsement schedules required to qualify for preferred commercial insurance tiers in Ontario.
What Underwriters at Intact & Aviva Want to See
Inspect an actual redacted 2-page commercial placement packet. Contractors who provide pre-underwritten data like this bypass underwriting backlogs, eliminate missing-info surcharges, and qualify for preferred commercial rating tiers.
Standardized Placement Memorandum · Form ONT-SUB-CGL-2026
Commercial Underwriting Intake & Exposure Audit
Target Markets: Intact Insurance Commercial Core / Aviva Enterprise / Gore Mutual
Status: Audit Verified
TIER-1 PREFERRED
1. Applicant Identity & Corporate Classification
2. Operations Exposure Metrics & Subcontracting Controls
| Exposure Parameter | Declared Value | Carrier Verification Status |
|---|---|---|
| Projected Annual Gross Revenue | $2,850,000 CAD | ✓ Supported by 2-yr tax filings |
| Subcontracting Share of Revenue | 8.5% ($242,250) | |
| Full-Time Payroll & Field Operators | 12 Staff (100% WSIB active) | ✓ Current WSIB CAD-7 rated |
| Maximum Boring / Digging Depth | 12 Feet Maximum | Standard utility daylighting depths |
| High-Pressure Water Rating | 2,800 PSI (Certified tips) | Non-destructive excavation standard |
3. Commercial General Liability Endorsement Schedule
Affirmative full limit coverage without sublimit. Deductible: $5,000.
120-hour discovery and 120-hour reporting window protocol documented in field manual.
100% digital locate check before blade/nozzle touch; zero unauthorized ground disturbance.
Want a submission packet tailored to your Ontario trade?
Use our local, browser-based intake tool below. Record what you know, flag missing endorsements, and download a structured file to hand straight to your broker.
The 3 Pillars of a Tier-1 Commercial Underwriting Submission
Verifying compliance with Ontario One Call (Bill 8) locate protocols and Bill 118 salt logs preempts standard insurer exclusions before quoting.
Bridging the gap between OAP 1 automobile exclusions and CGL attached machinery (OPCF 25A/30) prevents catastrophic claims denial during stationary work.
Demonstrating 100% Certificate of Insurance (COI) collection with Additional Insured status removes unrated vicarious liability surcharges.
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