Commercial Insurance

The MEARIE Group is the service provider of choice for the Ontario electricity industry. Our intimate knowledge of the energy industry allows us to provide our clients with specialized solutions in response to their evolving needs.

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Comprehensive Liability Insurance

In response to the commercial market's province-wide liability crisis in the mid 1980s, MEARIE was formed to offer liability insurance to the electricity distribution industry. The Program has become more sophisticated over the years with expanding coverage, services and the ability to adapt to the changing needs of its customers.
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Directors & Officers Liability Insurance

Directors and Officers liability insurance provides protection for the Directors and Officers of your company from lawsuits based on the performance of their duties. Think of it as an errors and omissions policy for management. MEARIE provides high limits and broad coverage as an enhanced, optional offering.
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Privacy, Cyber & Network Security Insurance

Every organization - big or small - is vulnerable to incidents from data breaches, network security compromises or ransomware. MEARIE has developed coverage to address this evolving area of risk, particularly for our Members’ needs. We also provide risk management tools to help your organization to improve your cyber posture.
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Excess Liability Insurance

MEARIE has made arrangements to provide OPTIONAL Excess Liability coverage over and above the MEARIE Comprehensive Liability policy and endorsements. Depending on your assessment of your organization’s risks, your company may require additional limits above the standard limits. MEARIE Excess Liability Insurance is available.
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Property, Boiler & Machinery Insurance

MEARIE's "All Risks" physical loss or damage policy can cover all your asset protection needs with stable pricing and comprehensive understanding of energy industry risk.
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Fleet/Vehicle Insurance

MEARIE's extensive understanding of the insurance needs of Ontario's Local Electricity Distribution Companies led to the creation of the Fleet Vehicle Insurance Program in 1992. Our ability to offer a province-wide group plan based on uniform risk at below commercial market rates has simplified our customer's insurance requirements.
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Crime Insurance

Crime coverage is protection for your company, protecting against employee dishonesty, forgery or alteration, computer fraud and more.
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Construction Insurance

MEARIE offers project-based property and liability insurance, specifically designed to protect your interests and cover losses during a construction project. Surety bonds ensure the project is completed while offering financial security against shortcomings or deviations from the contract.
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Credit Insurance

Credit insurance, also known as accounts receivable insurance, is designed to provide protection against unexpected losses due to insolvency or overdue payments on the part of commercial customers. It offers many enhanced features that add value to the receivables management process.
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Board Members' Accident Insurance

To protect your Board Members, and as a way offer them an attractive benefit for serving your organization, your company can purchase Board Members’ Accident Insurance on their behalf
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Commercial Insurance Experts

The MEARIE Group offers comprehensive liability, vehicle, property and credit insurance coverage that goes beyond that which the commercial marketplace delivers. Members who belong to the reciprocal recognize the difference and appreciate the significant benefits:

  • Only Canadian insurance supplier dedicated to the electricity sector
  • Superior knowledge of the electricity sector, governance, customers and owners
  • Comprehensive product coverage not readily available in commercial markets
  • Reinsured to further manage risk
  • Not directly influenced by stock market activities and trends
  • Rates truly reflect member experience - there is no pooling of risk with other industries
  • History of stable premiums, premium rebates and no retro assessments

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