Underwriters

We are authorized to issue, bill and service policies on behalf of our underwriters. In the United States, we represent Pacific Specialty Insurance Company. And in Canada, we represent The Mutual Fire Insurance Company of British Columbia and in DAS Legal Protection Insurance Company Ltd. Information on each underwriter is provided below.

Home insurance underwriter in the United States

Pacific Specialty Insurance Company (Pacific Specialty)

Pacific Specialty was founded in 1989 and is based in Palo Alto, California. The company is licensed to do business in all 50 states and the District of Columbia. Pacific Specialty’s operations are supervised by each state’s department of insurance (or equivalent).

The Best’s Financial Strength Rating for Mutual Fire is A- (Excellent) as at July 2018. This rating is assigned by A.M Best and it provides an independent opinion of Pacific Specialty’s financial strength and ability to meet its ongoing insurance policy and contract obligations.

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Legal protection insurance underwriter in Canada

DAS Legal Protection Insurance Company Ltd. (DAS Canada)

DAS Canada is part of the DAS Group, the global leader in the legal expense protection insurance market. The group is based in Germany and is a subsidiary of ERGO. ERGO is part of the Munich Re Group. And, the Munich Re Group is one of the world’s leading reinsurers. The DAS Group has been specializing in legal expense products and services since the first office opened in Germany in 1928. Now, the group is an international entity operating in 18 countries across Europe, North America and Asia and has an annual premium income of more than $1.5 billion. To learn more about DAS Canada, please visit das.ca.

Home insurance underwriter in Canada

The Mutual Fire Insurance Company of British Columbia (Mutual Fire)

Mutual Fire was started in 1902 and is based in Langley, British Columbia. The company is licensed to do business in British Columbia, Alberta, Saskatchewan, Manitoba and Ontario. Mutual Fire’s operations are supervised by provincial regulators, with the BC Financial Services Authority assuming the lead regulatory role.

The Best’s Financial Strength Rating for Mutual Fire is A- (Excellent). This rating is assigned by A.M Best and it provides an independent opinion of Mutual Fire’s financial strength and ability to meet its ongoing insurance policy and contract obligations.

Mutual Fire is a member of the Property and Casualty Insurance Compensation Corporation (PACICC). PACICC is a special program funded by Canadian property and casualty insurance companies to protect policyholders and claimants. If an insurance company fails, PACICC will automatically respond to your claim as long as your insurance company is a participating member. Basically, PACICC is much like the Canadian Deposit Insurance Corporation, which protects your savings in case a bank fails.

Download authorization letter