Why Choose Deductible Smart ?

When disaster strikes, high property deductibles can create sudden, unplanned costs that disrupt cash flow and delay recovery. Deductible Smart gives brokers and their clients a straightforward way to reduce those large deductibles on key catastrophe exposures, delivering peace of mind and greater financial stability. Why Choose Deductible Smart ? When disaster strikes, high property deductibles can create sudden, unplanned costs that disrupt cash flow and delay recovery. Deductible Smart gives brokers and their clients a straightforward way to reduce those large deductibles on key catastrophe exposures, delivering peace of mind and greater financial stability.

Broad Market Flexibility

Our facility covers earthquake, wind and flood deductibles and is available across Canada (excluding Quebec). It suits a wide range of risks—from commercial and residential properties to builders’ risk and homeowners’ policies—backed by leading Lloyd’s markets.

Simple and Reliable

Provide the overlying deductible terms along with key property details—such as address, year built, construction type and any seismic upgrades—and our underwriting team will deliver a tailored quote. Once bound, the policy lowers the insured’s deductible exposure, protecting balance sheets.

Highlights

• Quake, Wind and Flood buy downs
• Limits up to CAD $2.5 million from a single market (higher limits available).
• Fast turnaround and a streamlined quoting process.
• Capacity to consider virtually any risk type.