Cross-border Insurance for Canadian Companies Operating in the U.S.

In Canada, workers' compensation is a provincial, government-administered system. In the U.S., it's governed state-by-state, largely private and carries significantly higher litigation risk. Your Canadian Workers' Compensation Board (WCB) program does not extend south of the border, leaving room for added exposure.

U.S. auto liability limits, coverage triggers and claims environments vary by state and differ materially from Canadian standards. For example, fleet coverage that works in British Columbia (BC) or Quebec (QC) may need adjustment to meet coverage requirements in certain U.S. states, and Canada's provincially administered insurance system means fleet coverage is placed province by province, limiting opportunities for national consolidation. Having one program with a single insurer allows streamlined management and substantial savings.

Canada's provincially administered healthcare system doesn't follow your employees to the U.S. American employers carry the cost of healthcare directly, often exceeding $17,000 U.S. per employee, per year. For companies scaling their U.S. headcount, this can become one of the largest insurance cost lines. Organizations that build benefits planning into their cross-border strategy early are positioned to manage this cost proactively.

Regional risk factors in the U.S., including earthquake, wind and flood exposure, differ significantly from Canadian markets. Property programs and general liability placements need to reflect local requirements and insurer appetite.

Property placements, liability, risk coverage and premiums, both in Canada and the U.S.

State-by-state U.S. placements, including private, government and monopolistic states.

Coverage in all states, provinces and territories.

Competitive, compliant benefit programs for Canadian and U.S. employees.

Management liability and professional liability placements across both markets.

Cross-border construction placements and surety bonds.