SPECIALTY INSURANCE SOLUTIONS

FIDELITY

3-D BOND

Trisura offers our Comprehensive Dishonesty, Disappearance and Destruction Bond (3-D Bond) to all types of regulated and non-regulated commercial entities and various business services.

Coverage Highlights

  • Per loss limit of liability wording
  • Expanded definition of employee:
    • consultants, including contracted retirees
    • guest students
    • temporary employees hired through placement firms
    • trainees compensated with public funds
    • elected officials, whether compensated or not
    • electronic data processing service operators
    • directors and trustees of employee benefit plans
    • 60 day coverage for former employees
    • Employee of one insured considered employee of another insured
  • Automatic coverage for newly created offices and subsidiaries
  • Automatic coverage, at no additional cost, for newly acquired subsidiaries, when less than 20% of the consolidated employees and assets
  • Coverage for unidentifiable employees
  • Coverage for all property of clients held by the insured in any capacity
  • Coverage extends to all employee benefit plans
  • 60 days notice of cancellation / 15 days in the event of non-payment of premium
  • 60 day discovery period
  • Additional Coverage Extensions Include:
    • Computer Fraud Coverage
    • Credit Card Forgery Coverage
    • Extortion — Threats to Persons
    • Audit Expense
  • Multi-Year Capabilities
  • Ability to accept other markets application forms in most cases

Appetite
We underwrite all risks on an account by account basis taking into consideration the unique risk characteristics of each applicant.

International Exposure
We underwrite accounts incorporated in Canada with international exposures, provided the majority of their operations and employees are domiciled in Canada.

Minimum Premiums
We do not have minimum premium thresholds.

Classes
We apply our underwriting expertise to any class of private or public corporation in order to find a solution, with a focus in the following industry classes:

  • Accounting Firms
  • Construction
  • Consulting Firms
  • Income Trusts
  • Insurance Brokers
  • Law Firms
  • Manufacturing
  • Ministry / Government
  • Oil and Gas
  • Technology
  • Third Party Administrators
  • Transportation
  • Utilities
  • Wholesalers
  • Various Business / Consumer Service

Excess Coverage
We will consider excess coverage for many classes of business.