Prompt underwriting.
Sure outcomes.
PromptSure is a specialty Managing General Agency built for Canadian brokers who need quick decisions, deep expertise and creative capacity for property & casualty risks.
Specialty programs, expertly underwritten
Four focused P&C programs designed around the realities of Canadian property owners, operators and risk managers.
REIT Programs
Tailored property and liability solutions for Real Estate Investment Trusts of every scale.
Tenant Insurance
Turn-key tenant programs with seamless onboarding for property managers and landlords.
Captive Support
Fronting, reinsurance placement and operational support for captive structures.
Complex Risks
Bespoke underwriting for the risks others won't touch | engineered with rigour.
REIT Programs
Master property and liability programs purpose-built for Real Estate Investment Trusts and large institutional landlords across Canada.
Submit a riskWhat we cover
- Commercial property on multi-location schedules (TIV up to $750M)
- General liability, umbrella and excess towers up to $50M
- Equipment breakdown and rental income protection
- Coordinated renewals with portfolio-wide loss analytics
Who we serve
- Publicly listed and private REITs
- Large multi-family and mixed-use landlords
- Office, retail, industrial and student housing portfolios
- Asset managers consolidating fragmented broker placements
Broker FAQ
- What do you need to start a REIT submission?
- A current statement of values (Excel or CSV), 5 year currently valued loss runs by location, COPE data, the expiring policy or schedule, and a brief on any acquisitions or dispositions in the next 12 months.
- How long does a REIT quote take?
- Initial indication within 5 to 7 business days of a complete submission. Firm terms typically follow within 10 business days once engineering and reinsurance sign off are in.
- When should we approach you ahead of renewal?
- 120 days out for portfolios above $250M TIV, 90 days for smaller schedules. Earlier engagement gives time for survey scheduling and reinsurer review.
Tenant Insurance Programs
Turn-key tenant insurance programs that landlords, property managers and PropTech platforms can deploy under their own brand.
Submit a riskWhat we cover
- Personal property limits from $30K to $1M
- Personal liability from $1M to $5M
- Embedded enrolment, bulk billing and certificate compliance
- Bilingual policy delivery in English and French
Who we serve
- REITs and large residential property managers
- PropTech and rental platforms
- Student housing and purpose-built rental operators
- Landlords mandating proof of tenant insurance
Broker FAQ
- What does a program submission look like?
- Door count by province, building types (high rise, low rise, student, mixed use), current take up rate if any, and a short note on enrolment workflow (embedded, opt in, mandatory).
- How quickly can a program go live?
- Standard white label programs launch in 4 to 6 weeks from signed terms. API integrations for PropTech partners take 6 to 10 weeks depending on certificate and billing requirements.
- What documentation do brokers need at bind?
- Signed broker of record, program agreement, branding assets for policy documents, and a list of authorized contacts for certificate and claims notices.
Captive Support
Fronting, reinsurance placement and program administration for single-parent, group and cell captives that need a Canadian solution.
Submit a riskWhat we cover
- A-rated Canadian fronting paper up to $25M per occurrence
- Reinsurance broking, structuring and collateral management
- Program governance, regulatory filings and reporting
- Trust and security arrangements with major Canadian banks
Who we serve
- Corporates with existing single-parent captives
- Group and association captives requiring a Canadian fronter
- Cell captive sponsors and program administrators
- Risk managers exploring a captive feasibility study
Broker FAQ
- What do we need for a fronting submission?
- Captive feasibility or actuarial report, captive financials for the last 3 years, proposed program structure, reinsurance panel with security ratings, and a draft of the collateral arrangement.
- How long does fronting setup take?
- Six to twelve weeks from complete submission to bound program, depending on regulatory review and collateral negotiation. Renewals on existing structures bind within 30 days.
- What collateral options do you accept?
- Letters of credit from major Canadian banks, Regulation 17 trust accounts, or funds withheld arrangements. Collateral levels are set by the reinsurance structure and OSFI guidance.
Complex Risks
Bespoke underwriting for the non-standard, layered and hard-to-place P&C risks that don't fit a standard market grid.
Submit a riskWhat we cover
- Distressed property and high-hazard occupancies
- Construction wrap-ups and builders risk
- Environmental and pollution liability
- Manuscript wordings and layered tower placements
Who we serve
- Brokers placing risks declined by standard markets
- Construction, habitational and environmental specialists
- Risk managers needing creative structure or capacity
- Programs requiring custom wordings or schemes
Broker FAQ
- What information do you need on a complex risk?
- A narrative on the risk and why it is in the market, 5 year loss runs, COPE or operations detail, prior decline reasons if known, and any engineering or environmental reports in your file.
- What turnaround can we expect?
- Triage response within 48 hours confirming whether we will work the file. Full indications on layered or manuscript placements typically take 7 to 14 business days.
- Will you work on a layered tower with other markets?
- Yes. We routinely sit primary, buffer, or excess on towers and can coordinate wording alignment with the lead market.
Why brokers choose PromptSure
The MGA model only works when underwriters move at the speed of the broker. We pair seasoned Canadian P&C talent with modern workflows so you get answers, not voicemails.
24-hour indications on most submissions, with disciplined underwriting behind every quote.
We focus on what we know best: real estate, captives and complex P&C risks.
Backed by A-rated paper and reinsurance partners committed to the Canadian market.
Have a risk in mind?
Send us the submission. We'll respond promptly with a clear path forward, quote, decline or alternative structure.
Submit a risk