Areas of Expertise

We face our world of growing complexity head-on with expertise, vigilance and perseverance. Our consultants are well-versed in a range of specialized areas because we believe effectively managing risk for our clients requires a deep understanding of the industries in which they work.

Cannabis

In order to focus and meet federal and provincial regulatory compliance, clients in the cannabis sector need assurance their operations are secured. Steer works with Canadian and international cannabis clients, who have interests within and outside the country, to ensure exposures are insured and unique policy placements coordinated. Our relationships with domestic and global insurers provide access to professional liability solutions that are unmatched in Canada.

Contact: Marcus Sargent, Scott Stevens, Ben Wright

Commercial & Industrial

Steer’s customized insurance programs for our commercial and industrial clients include coverage for property, casualty, professional indemnity and executive risk exposures. When unique risks are identified, we hunt for the best solutions to protect your business.

Our services include program audit, benchmarking, mergers and acquisition support and contract due diligence.

Contact: Andrew Reburn, Jennifer Sparfel, Scott Stevens

Construction Insurance

We understand the need for cost-efficiency, quick turnaround time and broad options for coverage as owners and developers bring projects to successful completion. Steer provides custom solutions for commercial or residential development, including: builders risk/course of construction; wrap-up liability; professional liability; environmental liability; property & casualty, crime, auto; cyber liability; and, surety bonds.

Contact: Jennifer Sparfel, Scott Stevens

Cyber Insurance

As experts in the emerging field of cyber and data privacy insurance, we establish comprehensive programs that include all first-party and third-party coverages for Internet-based risks. We also provide a comprehensive suite of cyber risk management solutions to significantly reduce your exposure and deliver cost savings in your policy.

Contact: Andrew Reburn, Scott Stevens, Ben Wright

Renewable Energy

Our experience with solar, wind, small hydropower, geothermal and biofuel resources allow Steer to bring sector and market intelligence to our renewable energy clients. In addition to our general commercial and industrial services, we deliver unique insurance solutions for course of construction, property, transmission interruption, casualty, warranty and executive risk exposures.

Contact: Marcus Sargent, Scott Stevens

International

For global clients with interests in Canada, our international desk works alongside your existing insurance provider to ensure account management and policy placement are coordinated to meet federal and provincial regulations.

We take the time to understand your international business needs and identify any financial, operational, strategic or perimeter risks. Our relationships with both domestic and global insurers help mitigate contractual exposures your business may face at home and abroad.

Contact: Marc Puddy, Andrew Reburn

Lawyer Excess

Our objectives with lawyer excess are simple: to implement a cost-effective excess professional liability program, ensure consistent coverage through all layers of your business and improve risk controls. Steer has worked with Canada’s largest and leading law firms, which has given our team a clear understanding of industry-specific needs.

Contact: Andrew Reburn, Angus Smith, Scott Stevens, Ben Wright

Private Client

Coverage for high-net-worth individuals and family offices goes beyond traditional home insurance policies. We understand your personal assets, and those of your clients, are a major investments —financially and emotionally — and the right coverage needs to be in place to repair, replace and rebuild. Steer’s team works closely with you and our specialist insurer partners to consider coverage for: auto & high value auto; homeowners & heritage homes; valuable articles; watercraft; equine and, collections.

Contact: Andrew Reburn, Scott Stevens

Professional, Executive & Financial Risks

Steer’s team has deep roots in the financial sector. Whether you are an independent broker or large financial institution, a mortgage broker or a commercial lender, we can help guide you through the complexities of professional liability insurance. We provide counsel on directors’ and officers’ liability, errors and omissions, financial institution bonds and traditional property and casualty risks. We can also tailor specific coverage for “run-off” or transaction-specific products for mergers and acquisitions, including representations and warranty insurance.

Contact: Andrew Reburn, Marcus Sargent, Scott Stevens, Ben Wright

Risk Management & Consulting

Beyond the placement of a traditional insurance policy, you have many contracts with suppliers, service providers, contractors and others. Our contract review service includes recommendations and guidelines for exercising risk transfer obligations to the third parties wherever possible to ensure you are not assuming unnecessary exposures. We also prepare, in conjunction with standard agreements and clauses, tailored language for incorporation into various contracts to help manage your risk.

Contact: Marc Puddy

Sports & Recreation

National and provincial amateur sport associations, professional sports teams, leagues, individual athletes and special event organizers are among our roster of clients who require specialized insurance. Steer brings more than 10 years’ experience supporting sports and recreation clients and we understand the need for broad, cost-effective coverage. We design insurance programs to meet the specific needs of your organization and the commitments you have made to your athletes, partners and fans.

Contact: Andrew Reburn, Scott Stevens

Let us navigate the complexity.

We take the time to understand your individual needs and we draw from our sector-specific experience to develop the right solutions for your business.

Contact us