Welcome

CANRISC INSURANCE CONSULTING SERVICES The Insurance and Risk Management Specialists Professional, Knowledgeable, Reliable - your partner in insurance, risk management and policy reviews.

What We Do

Canrisc Insurance Consulting Services is an independently owned consulting corporation dedicated to providing the highest level of Insurance Consulting. We specialize in the assessment and amendment of Insurance Policy Coverages, Insurance Policy Reviews and Risk Management programs in the Real Estate, Legal and Insurance Marketplace.

We Know That Time Is Money

Canrisc works primarily for Financial Institutions, Mortgage Companies and their solicitors as a resource to provide professional insurance expertise. This normally manifests itself as a qualified opinion on the adequacy of the potential Borrowers' insurance coverages based on current market products, geographic location and lenders' requirements. Since our inception in 1994, we have a meticulous record of delivering our recommendation package prior to the mortgage closing deadline.

Our Clientele

We provide services for a diverse range of clientele including (but not limited to): • Financial Institutions • Lawyers/Solicitors • Mortgage Brokers • Commercial Property Owners • Real Estate Developers • Investors • Universities, Colleges • Hotel Operations • Nursing Homes Health and Long Term Care • Shopping Centres • Industrial Buildings • Apartment Buildings Contact us today for more information on how we can best help you quantify your insurance needs.

Welcome

CANRISC INSURANCE CONSULTING SERVICES The Insurance and Risk Management Specialists Professional, Knowledgeable, Reliable - your partner in insurance, risk management and policy reviews.

What We Do

Canrisc Insurance Consulting Services is an independently owned consulting corporation dedicated to providing the highest level of Insurance Consulting. We specialize in the assessment and amendment of Insurance Policy Coverages, Insurance Policy Reviews and Risk Management programs in the Real Estate, Legal and Insurance Marketplace.

We Know That Time Is Money

Canrisc works primarily for Financial Institutions, Mortgage Companies and their solicitors as a resource to provide professional insurance expertise. This normally manifests itself as a qualified opinion on the adequacy of the potential Borrowers' insurance coverages based on current market products, geographic location and lenders' requirements. Since our inception in 1994, we have a meticulous record of delivering our recommendation package prior to the mortgage closing deadline.

Our Clientele

We provide services for a diverse range of clientele including (but not limited to): • Financial Institutions • Lawyers/Solicitors • Mortgage Brokers • Commercial Property Owners • Real Estate Developers • Investors • Universities, Colleges • Hotel Operations • Nursing Homes Health and Long Term Care • Shopping Centres • Industrial Buildings • Apartment Buildings Contact us today for more information on how we can best help you quantify your insurance needs.

Our Leadership

Canrisc Insurance Consulting Services is pleased to announce that in July 2016 it merged with the AMF Group of Companies (AMFGOC) to become Canrisc Insurance Consulting Services (2016) Ltd. Operating nationally for the past 24 years, the AMFGOC includes A.M. Fredericks Underwriting Management Ltd., AMF Credit Corp., and Hand-In-Hand Corp. The AMFGOC offers a full service experience to its clients, demonstrated by our wide range of insurance products, including Underwriting Services, Claims Handling and Loss Prevention. With over 215 years of combined risk experience, this merger brings a superior wealth of knowledge to the Risk Management industry, which can only have been achieved through hands on experience.

Tony Fredericks, FCIP, CRM – CEO:

The AMF Group of Companies (AMFGOC) was founded by Tony Fredericks in February 1993 in Toronto, Ontario. With over 40 years of Insurance industry experience, Tony has given many insurance lectures, been a guest speaker for a number of industry panels and served as an instructor at the Insurance Institute of Canada. Tony holds an Unrestricted RIBO (Registered Insurance Broker of Ontario) license and is also a member of the Ontario Risk and Insurance Management Society (ORIMS), Insurance Brokers Association of Ontario (IBAO) and the Insurance Institute of Canada (IIC).

Rob Russell, CNA – AVP:

With over 40 years of industry experience – 26 in the banking sector and 20 as a member of the AMFGOC, Rob Russell brings a wealth of knowledge to all IT initiatives. Rob studied at Centennial College as an Electronic Engineering Technologist and specializes in Process Re-Engineering, Software Design, Infrastructure Design, AI and Machine Learning.

Our

Leadership

Canrisc Insurance Consulting Services is pleased to announce that in July 2016 it merged with the AMF Group of Companies (AMFGOC) to become Canrisc Insurance Consulting Services (2016) Ltd. Operating nationally for the past 24 years, the AMFGOC includes A.M. Fredericks Underwriting Management Ltd., AMF Credit Corp., and Hand-In- Hand Corp. The AMFGOC offers a full service experience to its clients, demonstrated by our wide range of insurance products, including Underwriting Services, Claims Handling and Loss Prevention. With over 215 years of combined risk experience, this merger brings a superior wealth of knowledge to the Risk Management industry, which can only have been achieved through hands on experience.

Tony Fredericks, FCIP, CRM – CEO:

The AMF Group of Companies (AMFGOC) was founded by Tony Fredericks in February 1993 in Toronto, Ontario. With over 40 years of Insurance industry experience, Tony has given many insurance lectures, been a guest speaker for a number of industry panels and served as an instructor at the Insurance Institute of Canada. Tony holds an Unrestricted RIBO (Registered Insurance Broker of Ontario) license and is also a member of the Ontario Risk and Insurance Management Society (ORIMS), Insurance Brokers Association of Ontario (IBAO) and the Insurance Institute of Canada (IIC).

Rob Russell, CNA – AVP:

With over 40 years of industry experience – 26 in the banking sector and 20 as a member of the AMFGOC, Rob Russell brings a wealth of knowledge to all IT initiatives. Rob studied at Centennial College as an Electronic Engineering Technologist and specializes in Process Re- Engineering, Software Design, Infrastructure Design, AI and Machine Learning.

Our Services

Our professional and experienced team will help develop insurance and risk management policies specific to your business We are the intermediaries to the mortgage industry, capable of reconciling the difference in terminology and intent between financial, legal and insurance disciplines. We accurately translate and implement the commitment letter language and legal terms of the mortgage world to the insurance broker and their insurance carriers. We offer you time, expertise and efficiency.

Primary Services

• Insurance Policy Reviews • Risk Management Program Assessment and Advice • Technical Education

Insurance Policy Review

Canrisc specializes in the assessment and amendment of the Borrowers Insurance Policy Coverages for the protection of the Financial Institutions. This activity is invaluable to mitigate the risk associated with bankruptcy or foreclosures of the Borrowers in the event of catastrophic losses during the term of the loan. We review the Borrower's insurance policy coverages to assure a realistic level of security to protect the funds of the Financial Institutions in the current Business, Real Estate and Insurance marketplace. The various goals of insurance risk avoidance, risk control, risk transfer and risk reduction are applied and accomplished. Both the Lenders and their Legal Representatives have discovered that this unique specialized insurance service has fulfilled a sensitive area in their deliberations. Their repeated use of this service reflects their confidence in our work and attest to the increased demand for this unique insurance service. We have built our organization on the complete satisfaction of our clients. It is this distinction that sets us apart from our competition and reflects our fundamental values of professionalism, integrity, reliability, efficiency and courtesy. Policy Review involves: • Review insurance policy terminology and scope of protection for the Property, Boiler and Liability • Deficiency measurement • Advise on the best insurance provider for specific industries (i.e. Nursing Homes, Schools, Construction, etc.) • Analyse construction builders' risk, performance, labour and material bonds, errors and omissions insurance, wrap-up liability, commercial general liability • Analyse Environmental Insurance • Draft standard insurance requirements into loan agreements • Advise on Coverage Enhancements • Analyse insurance clauses in loan agreements, leases and other contracts

Risk Management Program Assessment and Advice

Canrisc Insurance Consulting also provides insurance and risk management services to suit the needs of our clientele. The various fundamentals of risk avoidance, risk control, risk transfer and risk reduction are applied to assist any business clientele to build the most effective, best and broadest scope of insurance coverages for the fairest premium. We review insurance risk management programs, assisting Real Estate Developers, Nursing Homes, Universities, Colleges and Hotel Organizations to reduce their exposure and tailor their coverages, which can reflect significant premium savings. And we can assist in placing insurance for foreclosed loans. We are the insurance consultant of choice for quality conscious insurance buyers who appreciate thoroughly planned cost effective strategies of risk management to help them make smart insurance decisions and enhance their opportunities. Risk Management Program Assessment and Advice involves: All companies and corporations should carry some form of insurance to protect their company's wealth and assets or they will leave themselves (open) exposed to fire losses, liability law suits and perhaps even bankruptcy due to lack of adequate insurance protection. These corporations also must make a decision on which insurers offer the best insurance program for their needs. At Canrisc, we strive to not only work for our clients, but to work with them at every level to ensure that their assets are well protected. Canrisc prides itself on its dependability, effective and efficient services. With a detailed analysis of your company's operations, assets and income exposures, we establish your specific insurance requirements, and assist you in achieving the best and broadest scope of insurance coverages for the best value (price). • Risk Identification and analysis on Insured Perils and uninsured risk • Review and advise on existing insurance risk management programs such as Property, Boiler, Liability, Professional Liability, Auto Insurance, Directors and Officers Liability, Construction insurance, Contingent insurance, Builders risk • Develop new insurance risk management program based on audit of your company's insurance program • Prepare insurance specifications and reports • Prepare information packages for insurance providers • Analyse insurance submissions • Provide insurance research • Assist with Agent / Broker selection • Act as a Broker Liaison • Assess insurance Broker quotes and assist property owners in making informed decisions on the best selection of insurance programs

Technical Education

Canrisc offers Technical Education Seminars to Financial Institutions to give the staff an overview of the various aspects of commercial insurance and how it impacts their organization. We also provide seminars and back up support to enable our valued clients to perform any smaller in house reviews.

Our Services

Our professional and experienced team will help develop insurance and risk management policies specific to your business We are the intermediaries to the mortgage industry, capable of reconciling the difference in terminology and intent between financial, legal and insurance disciplines. We accurately translate and implement the commitment letter language and legal terms of the mortgage world to the insurance broker and their insurance carriers. We offer you time, expertise and efficiency.

Primary Services

• Insurance Policy Reviews • Risk Management Program Assessment and Advice • Technical Education

Insurance Policy Review

Canrisc specializes in the assessment and amendment of the Borrowers Insurance Policy Coverages for the protection of the Financial Institutions. This activity is invaluable to mitigate the risk associated with bankruptcy or foreclosures of the Borrowers in the event of catastrophic losses during the term of the loan. We review the Borrower's insurance policy coverages to assure a realistic level of security to protect the funds of the Financial Institutions in the current Business, Real Estate and Insurance marketplace. The various goals of insurance risk avoidance, risk control, risk transfer and risk reduction are applied and accomplished. Both the Lenders and their Legal Representatives have discovered that this unique specialized insurance service has fulfilled a sensitive area in their deliberations. Their repeated use of this service reflects their confidence in our work and attest to the increased demand for this unique insurance service. We have built our organization on the complete satisfaction of our clients. It is this distinction that sets us apart from our competition and reflects our fundamental values of professionalism, integrity, reliability, efficiency and courtesy. Policy Review involves: • Review insurance policy terminology and scope of protection for the Property, Boiler and Liability • Deficiency measurement • Advise on the best insurance provider for specific industries (i.e. Nursing Homes, Schools, Construction, etc.) • Analyse construction builders' risk, performance, labour and material bonds, errors and omissions insurance, wrap-up liability, commercial general liability • Analyse Environmental Insurance • Draft standard insurance requirements into loan agreements • Advise on Coverage Enhancements • Analyse insurance clauses in loan agreements, leases and other contracts

Risk Management Program

Assessment and Advice

Canrisc Insurance Consulting also provides insurance and risk management services to suit the needs of our clientele. The various fundamentals of risk avoidance, risk control, risk transfer and risk reduction are applied to assist any business clientele to build the most effective, best and broadest scope of insurance coverages for the fairest premium. We review insurance risk management programs, assisting Real Estate Developers, Nursing Homes, Universities, Colleges and Hotel Organizations to reduce their exposure and tailor their coverages, which can reflect significant premium savings. And we can assist in placing insurance for foreclosed loans. We are the insurance consultant of choice for quality conscious insurance buyers who appreciate thoroughly planned cost effective strategies of risk management to help them make smart insurance decisions and enhance their opportunities. Risk Management Program Assessment and Advice involves: All companies and corporations should carry some form of insurance to protect their company's wealth and assets or they will leave themselves (open) exposed to fire losses, liability law suits and perhaps even bankruptcy due to lack of adequate insurance protection. These corporations also must make a decision on which insurers offer the best insurance program for their needs. At Canrisc, we strive to not only work for our clients, but to work with them at every level to ensure that their assets are well protected. Canrisc prides itself on its dependability, effective and efficient services. With a detailed analysis of your company's operations, assets and income exposures, we establish your specific insurance requirements, and assist you in achieving the best and broadest scope of insurance coverages for the best value (price). • Risk Identification and analysis on Insured Perils and uninsured risk • Review and advise on existing insurance risk management programs such as Property, Boiler, Liability, Professional Liability, Auto Insurance, Directors and Officers Liability, Construction insurance, Contingent insurance, Builders risk • Develop new insurance risk management program based on audit of your company's insurance program • Prepare insurance specifications and reports • Prepare information packages for insurance providers • Analyse insurance submissions • Provide insurance research • Assist with Agent / Broker selection • Act as a Broker Liaison • Assess insurance Broker quotes and assist property owners in making informed decisions on the best selection of insurance programs

Technical Education

Canrisc offers Technical Education Seminars to Financial Institutions to give the staff an overview of the various aspects of commercial insurance and how it impacts their organization. We also provide seminars and back up support to enable our valued clients to perform any smaller in house reviews.

The Canrisc Advantage

Financial Institutions and their solicitors work under stringent time constraints and frequently have short deadlines to finalize a deal. We work in parallel with the deadlines imposed on you. We listen carefully to your instructions and work with you as an equal partner to develop the best solutions for your business. We will determine potential risks and suggest new opportunities to make your business more successful, today and well into the future. We offer you a service based on excellence, with many years of experience and a proven track record of client retention. We are retained by numerous Financial Institutions to assess the initial insurance coverages of the potential Borrower, depending on the commitment letter parameters and operation of the Borrower's business. Examples of coverage review include:

Construction Insurance

Builders risk, wrap-up liability, bonds, subtrades insurance, boiler installation and commissioning coverage.

Property Insurance

All insurable perils including earthquake, flood assessment, sewer backup, bylaws compliance.

Boiler Insurance

Pressure vessel explosion, electrical losses, production machinery coverage.

Business Interruption

In addition to the loss of the insured property, business interruption coverages provide for compensation during the time taken to rebuild the property and return to revenue level prior to the loss. At Canrisc, we are the liaison with the insurance brokers, we have applied knowledge of the current insurance environment and product trends to advise the Financial Institutions. As an off shoot of our experience, we frequently find ourselves providing education and clarification of policy intent to conscientious Borrowers and because we are part of the Financial Organization team, this advice tends to reflect well on our direct clients.

The Canrisc

Advantage

Financial Institutions and their solicitors work under stringent time constraints and frequently have short deadlines to finalize a deal. We work in parallel with the deadlines imposed on you. We listen carefully to your instructions and work with you as an equal partner to develop the best solutions for your business. We will determine potential risks and suggest new opportunities to make your business more successful, today and well into the future. We offer you a service based on excellence, with many years of experience and a proven track record of client retention. We are retained by numerous Financial Institutions to assess the initial insurance coverages of the potential Borrower, depending on the commitment letter parameters and operation of the Borrower's business. Examples of coverage review include:

Construction Insurance

Builders risk, wrap-up liability, bonds, subtrades insurance, boiler installation and commissioning coverage.

Property Insurance

All insurable perils including earthquake, flood assessment, sewer backup, bylaws compliance.

Boiler Insurance

Pressure vessel explosion, electrical losses, production machinery coverage.

Business Interruption

In addition to the loss of the insured property, business interruption coverages provide for compensation during the time taken to rebuild the property and return to revenue level prior to the loss. At Canrisc, we are the liaison with the insurance brokers, we have applied knowledge of the current insurance environment and product trends to advise the Financial Institutions. As an off shoot of our experience, we frequently find ourselves providing education and clarification of policy intent to conscientious Borrowers and because we are part of the Financial Organization team, this advice tends to reflect well on our direct clients.

Contact Us

Canrisc can be contacted by phone at 1-905-428-2585 via email at customerservice@canrisc.com or fax at 1-905-428-7845 We will respond within 24 hours (business day) of receipt of your request either by email or phone. We appreciate the time you have taken to visit our website and look forward to hearing from you.

Canrisc

339 Westney Rd. S. Suite 203 Ajax Ontario L1S 7J6 Canada t: 905-428-2585 f: 905-428-7845 e: customerservice@canrisc.com www.canrisc.com

Contact Us

Canrisc can be contacted by phone at 1-905-428-2585 via email at customerservice@canrisc.com or fax at 1-905-428-7845 We will respond within 24 hours (business day) of receipt of your request either by email or phone. We appreciate the time you have taken to visit our website and look forward to hearing from you.

Canrisc

339 Westney Rd. S. Suite 203 Ajax Ontario L1S 7J6 Canada t: 905-428-2585 f: 905-428-7845 e: customerservice@canrisc.com www.canrisc.com

Careers

For Employment Opportunities in Risk Management: You may submit your resume to: careers@canrisc.com All resumes submitted will be kept on file for future opportunities.

Risk Management Analyst

Reporting To: Director, Risk Management Position Overview: The analyst is a highly motivated, team oriented individual who will contribute positively to our growing Risk Management division through sound decisions and high level customer service. The analyst will review and assess insurance policies to ensure they meet lender requirements. Role & Responsibilities: • Review & complete a minimum of 35 commitments per month • Analyse Canadian Commercial Property/Casualty wordings: Manuscript, Property, Builder’s Risk, Liability, Professional Liability, Pollution and Bonds • Analyse various brokers’ quotations • Maintain knowledge of Insurers and Brokers policies, procedures and standards • Maintain current knowledge of the market including policy wordings, enhanced coverages and new products. • Ability to search for solutions to complex problems • Processing all assigned work promptly and accurately, as per Guidelines • Respond to clients requests and inquiries on a timely basis, as per Guideline • Seek approval/assistance as required • Manage and build relationships with clients • Working effectively within a dynamic team • Other miscellaneous duties as required Specific Knowledge, Skills & Abilities • University Degree and/or • CRM, CIP and/or CAIB Designation • Minimum 5 years commercial lines experience • Customer focused and service oriented • Sound knowledge of policy wordings and limitations • Attention to detail, including ability to concentrate on a task • Highly organized with strong time management skills • Analytical thinker, including researching and gathering information to solve problems • Develop and maintain productive working relationships with peers, clients, and industry personnel • A strong work ethic, good organizational skills and the ability to work within a team environment • Strong communication and interpersonal skills, both written and verbal • Excellent computer skills – Microsoft Office, specifically Excel

Careers

For Employment Opportunities in Risk Management: You may submit your resume to: careers@canrisc.com All resumes submitted will be kept on file for future opportunities.

Risk Management Analyst

Reporting To: Director, Risk Management Position Overview: The analyst is a highly motivated, team oriented individual who will contribute positively to our growing Risk Management division through sound decisions and high level customer service. The analyst will review and assess insurance policies to ensure they meet lender requirements. Role & Responsibilities: • Review & complete a minimum of 35 commitments per month • Analyse Canadian Commercial Property/Casualty wordings: Manuscript, Property, Builder’s Risk, Liability, Professional Liability, Pollution and Bonds • Analyse various brokers’ quotations • Maintain knowledge of Insurers and Brokers policies, procedures and standards • Maintain current knowledge of the market including policy wordings, enhanced coverages and new products. • Ability to search for solutions to complex problems • Processing all assigned work promptly and accurately, as per Guidelines • Respond to clients requests and inquiries on a timely basis, as per Guideline • Seek approval/assistance as required • Manage and build relationships with clients • Working effectively within a dynamic team • Other miscellaneous duties as required Specific Knowledge, Skills & Abilities • University Degree and/or • CRM, CIP and/or CAIB Designation • Minimum 5 years commercial lines experience • Customer focused and service oriented • Sound knowledge of policy wordings and limitations • Attention to detail, including ability to concentrate on a task • Highly organized with strong time management skills • Analytical thinker, including researching and gathering information to solve problems • Develop and maintain productive working relationships with peers, clients, and industry personnel • A strong work ethic, good organizational skills and the ability to work within a team environment • Strong communication and interpersonal skills, both written and verbal • Excellent computer skills – Microsoft Office, specifically Excel

Privacy Policy

Websites linking to this page have chosen to adopt this generic privacy policy as their own. This means that they agree to abide by the principles laid out below. Information that is gathered from visitors. In common with other websites, log files are stored on the web server saving details such as the visitor's IP address, browser type, referring page and time of visit. Cookies may be used to remember visitor preferences when interacting with the website. Where registration is required, the visitor's email and a username will be stored on the server.

How the Information is used

The information is used to enhance the vistor's experience when using the website to display personalised content and possibly advertising. E-mail addresses will not be sold, rented or leased to 3rd parties. E-mail may be sent to inform you of news of our services or offers by us or our affiliates.

Visitor Options

If you have subscribed to one of our services, you may unsubscribe by following the instructions which are included in e-mail that you receive. You may be able to block cookies via your browser settings but this may prevent you from access to certain features of the website.

Cookies

Cookies are small digital signature files that are stored by your web browser that allow your preferences to be recorded when visiting the website. Also they may be used to track your return visits to the website. 3rd party advertising companies may also use cookies for tracking purposes.

Google Ads

Google, as a third party vendor, uses cookies to serve ads. Google's use of the DART cookie enables it to serve ads to visitors based on their visit to sites they visit on the Internet. Website visitors may opt out of the use of the DART cookie by visiting the Google ad and content network privacy policy.

Privacy Policy

Websites linking to this page have chosen to adopt this generic privacy policy as their own. This means that they agree to abide by the principles laid out below. Information that is gathered from visitors. In common with other websites, log files are stored on the web server saving details such as the visitor's IP address, browser type, referring page and time of visit. Cookies may be used to remember visitor preferences when interacting with the website. Where registration is required, the visitor's email and a username will be stored on the server.

How the Information is used

The information is used to enhance the vistor's experience when using the website to display personalised content and possibly advertising. E-mail addresses will not be sold, rented or leased to 3rd parties. E-mail may be sent to inform you of news of our services or offers by us or our affiliates.

Visitor Options

If you have subscribed to one of our services, you may unsubscribe by following the instructions which are included in e-mail that you receive. You may be able to block cookies via your browser settings but this may prevent you from access to certain features of the website.

Cookies

Cookies are small digital signature files that are stored by your web browser that allow your preferences to be recorded when visiting the website. Also they may be used to track your return visits to the website. 3rd party advertising companies may also use cookies for tracking purposes.

Google Ads

Google, as a third party vendor, uses cookies to serve ads. Google's use of the DART cookie enables it to serve ads to visitors based on their visit to sites they visit on the Internet. Website visitors may opt out of the use of the DART cookie by visiting the Google ad and content network privacy policy.