Team Spotlight · Q3 2026

A home is more than four walls.
The coverage around it should be too.

This edition, Personal Lines and Toys underwriting come together to show how one collaborative conversation can protect a client's whole lifestyle, from the dwelling to everything parked beside it.

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Gina Strand
Gina Strand
VP, Personal Lines Underwriting,
SPG Canada
Personal Lines & Toys, Together

When we talk to a broker separately, we each cover half a risk. When we talk together, we cover the client's whole lifestyle.

Gina Strand & Stacey Muller on residential and recreational risk, working as one conversation
Stacey Muller
Stacey Muller
VP, Toys Underwriting,
SPG Canada
Gina_Stacey
Gina Strand & Stacey Muller
VP Personal Lines & VP Toys Underwriting, SPG Canada
Personal Lines & Toys, Together

When we talk to a broker separately, we each cover half a risk. When we talk together, we cover the client's whole lifestyle.

Gina Strand & Stacey Muller on residential and recreational risk, working as one conversation

Residential Personal Lines & Toys: a collaborative approach to complete client coverage

When a client's lifestyle extends beyond four walls, so should their protection. By bringing together Personal Lines underwriters and Toys underwriters, SPG Canada can offer a truly holistic residential solution, one that covers not just the home, but everything that makes it a home.

Dwelling & Contents Boats ATVs Snowmobiles Motorcycles Seasonal & Waterfront Property

Two specialties, one residential risk

Personal Lines underwriters bring deep expertise in property and liability exposures, the dwelling, contents, and the risks that come with ownership. Toys underwriters complement this by addressing the recreational assets clients often overlook or underinsure: boats, ATVs, snowmobiles, motorcycles, and more.

What the collaborative model delivers

01
Identify coverage gaps
If an underwriter has a clear picture of the client's hobbies, lifestyle, or how they spend their leisure time, it opens up the conversation to what else they may require coverage on.
02
Streamline the client experience
One conversation, one broker relationship, comprehensive solutions.
03
Improve retention
Clients with multiple policies across lines are significantly less likely to shop elsewhere.
04
Tailor risk solutions
Seasonal exposures, storage risks, and liability overlaps can be addressed proactively rather than reactively at claim time.

Where the overlap matters most

For clients with lake houses, acreages, hobby farms, or waterfront properties, the overlap between personal lines and recreational exposures is significant. A coordinated underwriting approach ensures nothing is left to chance, and that every client's full picture is properly protected.

Whether a broker starts the conversation with the home or with what is parked beside it, the same underwriting team is on the other end of the line. One file, two specialties, a complete view of the risk.

Two ways into the same conversation

Brokers do not need to choose a starting point. A Personal Lines submission is a natural opening to ask about recreational assets; a Toys submission is a natural opening to ask about the home behind it.

Start Here
Personal Lines
Dwelling, contents, and liability on the primary or seasonal residence
⇆
Or Start Here
Toys
Boats, ATVs, snowmobiles, and motorcycles tied to that same property

Once a client insures the home, ask about the boat in the driveway. Once they insure the boat, ask about the cottage down the road. Two specialties, one broker conversation, a complete picture of the client's risk.

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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