Fresh on the Scene · Q3 2026

From the fairway to the taproom —
specialty risks, handled.

This edition covers four programs built for the risks standard markets walk away from: a one-shot prize exposure that can make or break a charity tournament, remote resort operations that don't fit a standard BOP, large-format retail with cross-border exposure, and craft breweries sitting at 100% liquor receipts. These are the placements where knowing the right program changes the conversation.

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Personal Lines · Events

Hole in One.

Prize coverage for golf tournament organisers — from single corporate outings to full seasonal schedules — so the host carries none of the financial risk if a golfer aces the hole.

The Broker Concern

“My client is running a charity golf tournament with a $75K prize on the par-3. I have no idea who takes this, and I don't want to tell them to just hope no one scores.”

What We Do About It

Single Tournaments — prize limits up to $100,000.
Seasonal Packages — 5, 10, 15, or 20 events, prize limits to $50,000 per tournament.
Individual hole, multiple holes, multiple rounds — all covered under one policy.
Prize Reinstatement available — winner paid out? Reinstate the prize for remaining golfers.

View product page → events@beacon.insure Download The Brochure

Commercial · Recreation

Resorts & Lodges.

Property and casualty coverage purpose-built for resort operators — hunting and fishing lodges, RV parks, destination resorts, golf courses, and guided outdoor experiences across Canada.

The Broker Concern

“My client runs a remote fishing lodge in northern BC — guiding, boat rentals, the works. Every standard market I call either declines on remoteness or wants to strip the program down to a liability-only shell.”

What We Do About It

All-risk property on buildings and contents — remote and rural operations included, no stripped-down forms.
Guiding, boat rentals, on-site activities covered — all under one policy, not split across separate placements.
Broad appetite — lodges, RV parks, campgrounds, destination resorts, golf courses, axe throwing and more.
Modular extensions available — Equipment Breakdown, Cyber, Terrorism, Legal Expense, and more.

View product page → recreation@spgcanada.ca Download The Brochure

Commercial · Retail

Appliance and furniture retail.

A comprehensive package policy for large-format retailers with combined warehouse and showroom exposure, in-house delivery and installation, and cross-border sales — built for scale, not minimum viable coverage.

The Broker Concern

“My client runs a large retail appliance and furniture business out of a 60,000 sq ft warehouse and showroom valued at roughly $18 million to rebuild. They deliver and install everything themselves, and they also export a meaningful chunk of product into the U.S. Some markets struggle at the property values and get nervous the moment U.S. sales come up.”

What We Do About It

High property capacity — built to handle large-scale replacement cost values like an $18M warehouse and showroom, not just modest storefronts.
Direct access to underwriters who know the class — no generalist queue trying to price combined retail, warehouse, and delivery risk from scratch.
Modular extensions on the base policy — Cyber, Equipment Breakdown, Terrorism, Environmental, Legal Expense, and more.
Up to 60% U.S. gross sales, and up to 100% in select case — for retailers with meaningful cross-border exposure.
Retail sales, delivery, and installation handled under one policy — not split across separate placements.

View product page → retail@spgcanada.ca Download The Brochure

Commercial · Hospitality

Breweries & Craft.

Liability and property coverage for craft breweries, taprooms, and brewpubs — including operations with 100% liquor receipts and on-site retail components that standard hospitality markets often decline.

The Broker Concern

“My client opened a craft brewery with a taproom and retail can sales — the standard market sees 100% liquor receipts and walks. The ones that don't decline want to split the manufacturing exposure from the hospitality side onto two separate policies.”

What We Do About It

100% liquor receipts eligible — taprooms, brewpubs, hybrid retail all considered.
Up to $5M Excess or Umbrella capacity — over a $1M underlying limit.
Modular extensions on the base policy — Cyber, Equipment Breakdown, Terrorism, Legal Expense, and more.
Legal expertise and consulting included — for liquor liability claims and regulatory matters.

hospitality@spgcanada.ca Download The Brochure

Ready to submit?

Two paths. Same specialty desk.

Connect with our underwriting team for complex submissions and appetite questions. Or submit through the SPG Canada broker portal for an instant quote, bind, and issue. Either way, one specialty desk stands behind every program.

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underwriting@spgcanada.ca

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