Your Business & Personal Assets Deserve More Than a One Size Fits All Policy

At API, we specialize in commercial insurance solutions tailored to the unique needs of businesses and personal solutions tailored to the unique needs of our client. As a boutique brokerage, we offer more than policies. We provide personalized service, deep industry expertise and a genuine partnership in your growth and protection.

Commercial Insurance

Commercial insurance can provide tailored solutions to real world risks through a strategic combination of coverages, safeguarding your business in often unforeseen situations and ensuring operational resilience.

Personal Insurance

Personal insurance can protect your home, secondary properties, vehicles, recreational vehicles, identity theft, cyber exposures and personal liability. It can cover everyday risks including fire, water damage, theft, collision and more so you can recover quickly and protect what matters most.

Surety

Our Surety team understands the complexities of the business landscape. We recognize that trust is not just spoken, it is earned. Surety strengthens that trust by providing confidence that commitments will be met and obligations fulfilled.

Committed to protecting what matters most

We understand that insurance coverage provides protection for not only physical assets, but the plans for the future of our clients.

Solutions

Insurance is about more than policies. It is about protecting everyday risks that matter most to our clients. We start by asking a simple question: What keeps you up at night.

Commercial General Liability (CGL) Insurance

Protect your business from third party claims of bodily injury, property damage as well as other exposures that you may not have seen coming.

Commercial Property Insurance

Coverage for your buildings, equipment, inventory and assets that you have worked so hard to acquire - whether owned or leased.

Commercial Auto & Fleet Insurance

Coverage for company vehicles, auto fleets and work related transportation.

Professional Liability (E&O) Insurance

Essential for consultants, advisors, if fact any profession that provides any amount of advice as well as service based businesses facing claims of negligence or errors.

Cyber Liability Insurance

Safeguard your business from the growing threat of data breaches, cyberattacks, social engineering and more.

Directors & Officers (D&O) Insurance

Protection for leadership teams from liability related to business decisions.

Environmental Liability Insurance

Protect your business from the costs of pollution or contamination incidents. Think cleanup expenses, legal fees, and third-party damages to safeguard your assets and reputation.

Business Interruption Insurance

Protect your income if operations are disrupted by an unexpected event. Safeguard against lost revenue and essential expenses so your business can recover and continue running.

Employment Practices Liability Insurance

Safeguards businesses from claims related to workplace issues such as discrimination, wrongful termination, or harassment.

Commercial Umbrella Insurance

Extend your coverage beyond standard policy limits, offering extra financial protection when major claims exceed existing insurance.

Not sure what you need? We will walk you through it.

Every recommendation we make is backed by real world insight and your specific needs.

Our Companies

At API we take relationships seriously. We work with a wide range of insurers to offer favourable and cost-aware coverage options and provide clear choices so clients can make informed decisions that fit their needs.