Beyond the Policy

SPG Canada

Beyond the Policy, brought to you by SPG Canada. We cover personal, commercial, and specialty risks - giving you the knowledge to be the expert your clients trust. From emerging issues to how insurance works, we'll spotlight what's happening at SPG Canada. We proudly embrace new trends and look for exciting ways to deliver you the latest, this podcast is no exception. Staying ahead isn't just what we do, it's who we are.

Episodes

  1. May 25

    When the Bike Is Out, Is the Policy Caught Up?

    By May, most BC bikes are already out of the garage. The first ride has come and gone, but for most riders, the coverage review never quite happens. In our latest Beyond the Policy episode, Sarah Mitchell and Liam Fraser walk through the five-minute conversation every motorcycle renewal should include. Agreed Value vs. Actual Cash Value. The gear coverage and roadside assistance already built into a well-written policy. And the experience-based discounts that quietly sit unclaimed on declarations pages across the province. If you have motorcycle clients on your book, this is the renewal conversation. Listen now

    9 min

  2. Trailer

    The Worst Possible Moment

    New Beyond the Policy episode dropping Monday, May 25th The bike is out. Is the policy caught up? The five-minute coverage review every motorcycle client should be having right now.

    22 sec

  3. May 11

    The Marina Mistake Every Broker Hears About in May.

    Boating season is here. From Muskoka to Howe Sound, every marina is about to fill up. And every May, brokers across Canada take the same call from clients: "I clipped the dock."The most common claims of the season are also the most preventable, which is exactly why the spring conversation matters more than the post-incident one. In our latest Beyond the Policy episode, hosts Sarah Mitchell and Liam Fraser walk brokers through what every pleasure craft client should be reviewing before the first warm Friday afternoon. For brokers, Beacon Boats and Personal Watercraft coverage is available through the SPGC Portal at portal.spgcanada.ca — quote, bind, and issue 24/7. If you’re a boat owner listening — whether you’re heading to Muskoka or to Howe Sound this weekend — send this episode to your broker. The renewal conversation is a much better one than the claims conversation.

    16 min

  4. Apr 27

    When Claims Come Back to Haunt You - Why A&E Firms Can't Survive on Standard E&O

    Canada's $50 billion architecture and engineering industry is booming with massive infrastructure investment, but most A&E firms are dangerously underinsured. StandardE&O policies miss critical exposures like pollution liability, joint venture coverage, and intellectual property risks. Sarah Mitchell and Liam Fraser break down why design professionals need specialty coverage for long-tail claims, personal tort liability, and evolving technology risks. FromBIM software to AI design tools, this episode reveals the gaps that could cost architects and engineers their careers — and how specialty A&E coverage actually protects what they've spent years building.

    6 min

  5. Apr 9

    Sweet Lessons for Bitter Risks- What a Missing KitKat Truck Taught Us About Insurance?

    Everyone followed the KitKat heist. 12 tonnes of limited-edition Formula 1 chocolate, stolen in transit between Italy and Poland. But what does a business actually learn from it? In this episode, Sarah and Liam break down five insurance lessons hiding inside the story and give business owners and their brokers a simple, actionable checklist. Short, fun, and straight to the point.

    4 min

  6. Mar 27

    When the Shaking Stops, Are You Actually Covered? Earthquake Deductible Assessment vs Earthquake Deductible Buydown

    Your condo client just got a twenty-thousand-dollar bill from the strata. Your homeowner client is staring at a four-hundred-thousand-dollar deductible. Same earthquake. Completely different problems. Completely different solutions. Sarah Mitchell and Liam Fraser walk through the two residential earthquake coverages every BC broker needs to understand and why mixing them up could leave a client exposed. Part 2 of 2. https://spgcanada.ca/personal/earthquake/

    9 min

  7. Mar 16

    Clinical Trials Insurance- What Every Broker Needs to Know Before April 2026

    The Trial Was Ready. The Insurance Wasn't. A small biotech team. A promising cancer treatment. Trial sites ready in Vancouver, Toronto, and Berlin. Patients waiting. And a two-week wait for an insurance certificate that should have taken days. In this episode, Sarah and Liam explore why clinical trials insurance is one of the most underserved — and time-sensitive — opportunities in the Canadian broker market. With a major regulatory shift hitting April 2026, the brokers who understand this space now will be the ones getting the call. Listen in. Then reach out: underwriting@spgcanada.ca

    11 min

  8. Feb 27

    When the Shaking Stops, Are You Actually Covered? Earthquake Deductible Buydown vs Parametric Coverage

    One pays when there’s physical damage. The other pays when the earthquake hits, no adjuster needed. Sarah Mitchell breaks down Earthquake Deductible Buydown vs Parametric Coverage for commercial properties. If you’re an insurance broker or business owner in BC, this is the episode that makes the whole earthquake insurance puzzle click. Part 1 of 2.

    7 min

  9. Feb 23

    Welcome to the Show

    Meet your hosts. Sarah Mitchell and Liam Fraser introduce Beyond the Policy — a new podcast by SPG Canada that makes specialty insurance actually interesting. No jargon. No sales pitches. Just real conversations about the products, risks, and opportunities that matter for your book of business. Whether you're an insurance broker, underwriter, or just curious about how insurance really works, pull up a chair. 🔗 spgcanada.ca | 📧 info@spgcanada.ca

    6 min

  10. Season 1 Trailer

    Beyond the Policy — Coming Soon

    Something new is coming from SPG Canada. Beyond the Policy is a podcast that cuts through the complexity of specialty insurance and makes it actually make sense 🔗spgcanada.ca | 📧 info@spgcanada.ca

    29 sec

Trailers

About

Beyond the Policy, brought to you by SPG Canada. We cover personal, commercial, and specialty risks - giving you the knowledge to be the expert your clients trust. From emerging issues to how insurance works, we'll spotlight what's happening at SPG Canada. We proudly embrace new trends and look for exciting ways to deliver you the latest, this podcast is no exception. Staying ahead isn't just what we do, it's who we are.

Information

  • Creator
    SPG Canada
  • Years Active
    2K
  • Episodes
    10
  • Rating
    Clean
  • Copyright
    © SPG Canada
  • Show Website
    Beyond the Policy