Beyond the Policy, brought to you by SPG Canada. We cover personal, commercial, and specialty risks - giving you the knowledge to be the expert your clients trust. From emerging issues to how insurance works, we'll spotlight what's happening at SPG Canada. We proudly embrace new trends and look for exciting ways to deliver you the latest, this podcast is no exception. Staying ahead isn't just what we do, it's who we are.
One More Question: What Else Does Your Client Own?
A conversation about a cottage may reveal a boat. A discussion about an acreage may bring up an ATV. In this episode of Beyond the Policy, we look at the clues brokers can listen for, the question they can ask next, and how to move each risk forward. Property and recreational assets require separate applications and underwriting reviews.
https://spgcanada.ca/blog/team-spotlight-personal-lines-toys-q3-2026?utm_source=spotify&utm_medium=podcast&utm_campaign=personal-lines-toys-q3-2026&utm_content=ep13 (https://spgcanada.ca/blog/team-spotlight-personal-lines-toys-q3-2026?utm_source=spotify&utm_medium=podcast&utm_campaign=personal-lines-toys-q3-2026&utm_content=ep13)
31 Aug 2026
The Craft of Protection: One Form, Whole Operation. Built for Every Kind of Craft.
Three markets. Three renewal dates. Three sets of forms. Most breweries are still insured like it's 2010.
In our latest Beyond the Policy episode, Sarah Mitchell and Liam Fraser introduce SPG Canada's new Craft Brewery Insurance Package: the craft of protection, one form, whole operation, built for every kind of craft. Up to $5M per occurrence, a $250,000 Product Recall limit, and coverage for the smaller losses that hit cash flow hardest.
Listen now or reach out to our hospitality team at hospitality@spgcanada.ca (mailto:hospitality@spgcanada.ca)
Learn more about the product:Brewery Insurance Brochure (https://spgcanada.ca/wp-content/uploads/2026/07/Brewery-Insurance-Brochure.pdf)#BeyondThePolicy #SPGCanada #BreweryInsurance #HospitalityInsurance #BrokerEducation
23 Jul 2026
Single-Event vs. Seasonal: Which Hole in One Coverage Does Your Client Actually Need?
Your client offers a $100,000 Hole in One prize and someone makes the shot. Who pays?
In this episode of Beyond the Policy, Liam Fraser and Sarah Mitchell break down the difference between Single Tournament and Seasonal Hole in One coverage, helping brokers identify the right option for each client.
You’ll learn:
• The key question to ask before choosing a policy
• When Single Tournament coverage is the right fit
• When to consider a Seasonal Tournament Package
• How prize reinstatement keeps the excitement going after a winning shot
• The fastest way to quote, bind, and submit coverage
Ready to place coverage?
For Single Tournament coverage, quote, bind, and issue directly through the SPGC Portal:
https://portal.spgcanada.ca (https://portal.spgcanada.ca/)
For Seasonal Tournament coverage, submit the completed application to:
events@beacon.insure (mailto:events@beacon.insure)
Learn more about Hole in One coverage and access product resources:
https://beacon.insure/products/hole-in-one/ (https://beacon.insure/products/hole-in-one/)
Three questions, three steps—and coverage that fits the way your client is actually running their event.
22 Jun 2026
The Deductible Nobody Reads, Until the Ground Moves.
How the enhanced Earthquake Deductible Buydown changes the math for commercial property clients!Sarah and Liam break down what changed when the Earthquake Deductible Buydown that brokers knew under Cansure was enhanced and brought under SPG Canada. Same team, same earthquake underwriting expertise — now with deeper capacity and a faster, portal-based path to bind. Sarah explains the enhancements that matter to brokers (buy-down capacity up to $5M, overlying TIV up to $200M, deductibles as low as 3%, all commercial occupancies, coast to coast excluding Quebec)
8 Jun 2026
The Whole World Is Here. Is Your Client Ready for the Crowd?
The whole world is about to land on Canadian soil. Thirteen matches across Toronto and Vancouver. Three days until kickoff. The businesses caught in the middle of it all hotels, restaurants, retailers, event organizers are about to have the busiest summer of their careers.
Their policies need to be ready too.
In our latest Beyond the Policy episode, Sarah Mitchell and Liam Fraser break down the four coverage conversations every broker should be having this week:
▸ Special Events (https://beacon.insure/products/special-events/) — fan zones, watch parties, corporate hospitality
▸ Hospitality (https://spgcanada.ca/commercial/hospitality/) — hotels, motels, bars, restaurants
▸ Retail & Automotive Trades (https://spgcanada.ca/commercial/retail-automotive-trades) — pop-ups, vendors, foot traffic
▸ Cyber (https://spgcanada.ca/commercial/cyber) — phishing, fake tickets, POS attacks
Warm, fun, and broker-first. The episode you forward to your team before the first whistle blows.
25 May 2026
When the Bike Is Out, Is the Policy Caught Up?
By May, most BC bikes are already out of the garage. The first ride has come and gone, but for most riders, the coverage review never quite happens.
In our latest Beyond the Policy episode, Sarah Mitchell and Liam Fraser walk through the five-minute conversation every motorcycle renewal should include. Agreed Value vs. Actual Cash Value. The gear coverage and roadside assistance already built into a well-written policy. And the experience-based discounts that quietly sit unclaimed on declarations pages across the province.
If you have motorcycle clients on your book, this is the renewal conversation.
Listen now
21 May 2026
The Worst Possible Moment
New Beyond the Policy episode dropping Monday, May 25th
The bike is out. Is the policy caught up?
The five-minute coverage review every motorcycle client should be having right now.
11 May 2026
The Marina Mistake Every Broker Hears About in May.
Boating season is here. From Muskoka to Howe Sound, every marina is about to fill up. And every May, brokers across Canada take the same call from clients: "I clipped the dock."The most common claims of the season are also the most preventable, which is exactly why the spring conversation matters more than the post-incident one. In our latest Beyond the Policy episode, hosts Sarah Mitchell and Liam Fraser walk brokers through what every pleasure craft client should be reviewing before the first warm Friday afternoon.
For brokers, Beacon Boats and Personal Watercraft coverage is available through the SPGC Portal at portal.spgcanada.ca — quote, bind, and issue 24/7.
If you’re a boat owner listening — whether you’re heading to Muskoka or to Howe Sound this weekend — send this episode to your broker. The renewal conversation is a much better one than the claims conversation.
27 Apr 2026
When Claims Come Back to Haunt You - Why A&E Firms Can't Survive on Standard E&O
Canada's $50 billion architecture and engineering industry is booming with massive infrastructure investment, but most A&E firms are dangerously underinsured. StandardE&O policies miss critical exposures like pollution liability, joint venture coverage, and intellectual property risks. Sarah Mitchell and Liam Fraser break down why design professionals need specialty coverage for long-tail claims, personal tort liability, and evolving technology risks. FromBIM software to AI design tools, this episode reveals the gaps that could cost architects and engineers their careers — and how specialty A&E coverage actually protects what they've spent years building.
9 Apr 2026
Sweet Lessons for Bitter Risks- What a Missing KitKat Truck Taught Us About Insurance?
Everyone followed the KitKat heist. 12 tonnes of limited-edition Formula 1 chocolate, stolen in transit between Italy and Poland. But what does a business actually learn from it? In this episode, Sarah and Liam break down five insurance lessons hiding inside the story and give business owners and their brokers a simple, actionable checklist. Short, fun, and straight to the point.
27 Mar 2026
When the Shaking Stops, Are You Actually Covered? Earthquake Deductible Assessment vs Earthquake Deductible Buydown
Your condo client just got a twenty-thousand-dollar bill from the strata. Your homeowner client is staring at a four-hundred-thousand-dollar deductible. Same earthquake. Completely different problems. Completely different solutions. Sarah Mitchell and Liam Fraser walk through the two residential earthquake coverages every BC broker needs to understand and why mixing them up could leave a client exposed. Part 2 of 2.
https://spgcanada.ca/personal/earthquake/ (https://spgcanada.ca/personal/earthquake/)
16 Mar 2026
Clinical Trials Insurance- What Every Broker Needs to Know Before April 2026
The Trial Was Ready. The Insurance Wasn't.
A small biotech team. A promising cancer treatment. Trial sites ready in Vancouver, Toronto, and Berlin. Patients waiting. And a two-week wait for an insurance certificate that should have taken days.
In this episode, Sarah and Liam explore why clinical trials insurance is one of the most underserved — and time-sensitive — opportunities in the Canadian broker market. With a major regulatory shift hitting April 2026, the brokers who understand this space now will be the ones getting the call.
Listen in. Then reach out: underwriting@spgcanada.ca (mailto:underwriting@spgcanada.ca)
27 Feb 2026
When the Shaking Stops, Are You Actually Covered? Earthquake Deductible Buydown vs Parametric Coverage
One pays when there’s physical damage. The other pays when the earthquake hits, no adjuster needed. Sarah Mitchell breaks down Earthquake Deductible Buydown vs Parametric Coverage for commercial properties. If you’re an insurance broker or business owner in BC, this is the episode that makes the whole earthquake insurance puzzle click. Part 1 of 2.
23 Feb 2026
Welcome to the Show
Meet your hosts. Sarah Mitchell and Liam Fraser introduce Beyond the Policy — a new podcast by SPG Canada that makes specialty insurance actually interesting. No jargon. No sales pitches. Just real conversations about the products, risks, and opportunities that matter for your book of business. Whether you're an insurance broker, underwriter, or just curious about how insurance really works, pull up a chair.
🔗 spgcanada.ca | 📧 info@spgcanada.ca (mailto:info@spgcanada.ca)
23 Feb 2026
Beyond the Policy — Coming Soon
Something new is coming from SPG Canada. Beyond the Policy is a podcast that cuts through the complexity of specialty insurance and makes it actually make sense
🔗spgcanada.ca | 📧 info@spgcanada.ca (mailto:info@spgcanada.ca)
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