Totten Insurance Group
Totten Insurance Group is a Toronto-based Canadian Managing General Agent that underwrites and distributes niche property and casualty insurance through independent brokers. Founded in 2002, it serves 12+ specialty segments including hospitality, protective services, healthcare, and construction.
- Company typePrivate
- Founded2002
- HeadquartersToronto, Canada
- Headcount101–250
- GTM typeB2B
- OfferingServices
What Totten Insurance Group does
Totten Insurance Group is a Toronto-based Canadian Managing General Agent (MGA) operating under the legal entity Specialty Program Group Canada Inc. Founded in 2002, the firm underwrites and distributes niche property and casualty insurance products that are difficult to place in the standard market, distributing exclusively through Independent Insurance Brokers of Canada. Its headcount sits in the 101–250 range, and its headquarters is at 20 Dundas St W #910, Toronto. The company is undergoing a brand transition to SPG Canada through 2025–2026.
The product portfolio is organized into 12 core product lines — Commercial Casualty, Professional Liability, Commercial Property, Environmental, Personal Lines, Healthcare, Hospitality, Manufacturing, Mining, Forestry, Crisis Management, and Construction — with dozens of specialty programs layered on top, including the Snow Removal Contractors Program (national, excluding Quebec, with in-house capacity established since 2002), Violent Attack Lite for hospitality, Protective Services Liability (25+ years of category leadership), Welders, Roofing, Restoration and Remediation, Student Housing, Cross-Border Underwriting, and Miscellaneous E&O. Capacity is sourced from a panel of 11 named carriers and markets, including Lloyd's, Chubb, Zurich, Travelers, Liberty International, XL, CNA Canada, Berkley Canada, Catlin Canada, Sovereign General, and ACE-INA. The core technology stack is described as an underwriting platform supported by customized policy wordings, with no disclosed AI, API, or digital self-service tooling.
Commercially, Totten generates revenue primarily through insurance premiums as an MGA, with pricing that ranges from standardized micro-ticket products (e.g., Violent Attack Lite at $150 for $100K of coverage) to quote-based specialty placements (e.g., Welders up to $25M, Snow Removal up to $10M occurrence). Go-to-market is wholesale broker distribution plus direct submission channels (toll-free 888-868-8367, [email protected]), with a Cross-Border Underwriting unit extending access to US and global risk placements for Canadian brokers. The acquisition history (EMC Underwriting in 2006, Norac Intermediaries in 2009, National Brokerage Services in 2015, Canadian Resources Insurance Solutions in 2016, EasyInsure in 2018, Anderson McTague & Associates in 2018) indicates a multi-decade roll-up strategy that has built out the present-day specialty portfolio.
Totten Insurance Group firmographics
Firmographics- Name
- Totten Insurance Group
- Legal name
- Specialty Program Group Canada Inc.
- Website
- https://tottengroup.com
- Company type
- Private
- Founded year
- 2002
- Operating status
- Operating
- Headcount range
- 101–250 employees
- Short description
- Totten Insurance Group is a Toronto-based Canadian Managing General Agent that underwrites and distributes niche property and casualty insurance through independent brokers. Founded in 2002, it serves 12+ specialty segments including hospitality, protective services, healthcare, and construction.
- Ownership category
- akta.pro rank
Where Totten Insurance Group is headquartered
LocationHeadquarters
- HQ city
- Toronto
- HQ country
- Canada
- HQ region
- North America
Offices1 record
Markets served
Totten Insurance Group business model
Business model- GTM type
- B2B
- Offering type
- Services
- Cost components
- Personnel, Operations, Marketing or Sales, Technology or R&D, Infrastructure
Revenue model
- Insurance Premiums (MGA): As a Managing General Agent, Totten Insurance Group earns revenue through insurance premiums by underwriting and providing specialized insurance products to brokers and their clients across Canada.
Pricing tiers
| Model | Billing | Price |
|---|---|---|
| Subscription | Annual | Violent Attack Lite - Hospitality industry coverage |
| Subscription | Annual | Snow Removal Contractors - Commercial Casualty |
Go-to-market motion1 record
Distribution channels1 record
Marketing channels2 records
Totten Insurance Group product offering
Product offeringCore offering
Totten Insurance Group is a Managing General Agent (MGA) that underwrites and distributes niche commercial property and casualty insurance products to Independent Insurance Brokers of Canada. The company delivers specialty coverage through product lines such as Commercial Casualty, Professional Liability, Commercial Property, Environmental, Personal Lines, Healthcare, Hospitality, Manufacturing, Mining, Forestry, Crisis Management, and Construction, with tailored wordings for hard-to-place risks including Violent Attack Lite for hospitality, Snow Removal Contractors, Protective Services Liability, Welders, and Cross-Border Underwriting services.
Product overview
Totten Insurance Group is Canada's leading national MGA (Managing General Agent) provider of niche insurance products and innovative solutions. The company operates a multi-product portfolio organized into core product lines (Commercial Casualty, Professional Liability, Commercial Property, Environmental, Personal Lines, Healthcare, Hospitality, Manufacturing, Mining, Forestry, Crisis Management, and Construction) alongside numerous specialty coverage areas. Key specialty products include Violent Attack Lite for hospitality venues, Snow Removal Contractors Program, Cross-Border Underwriting services, Miscellaneous E&O, Student Housing, Welders coverage, and Protective Services Liability. The company offers customized wordings and coverage that are not readily available in the standard market, targeting specific industry segments with tailored insurance solutions.
Differentiator
Problem solved
Functional benefit
Products and services
- Commercial Casualty Commercial casualty insurance product line providing general liability and related coverages for contractors and commercial businesses.
- Professional Liability Professional liability and errors & omissions coverage for various professional occupations and businesses including consultants.
- Commercial Property Commercial property insurance coverage for buildings, contents, and business interruption risks.
- Environmental Environmental liability and pollution coverage for businesses with environmental exposures.
- Personal Lines Personal lines insurance product line including rented dwellings, student housing, and related residential coverages.
- Healthcare and Life Sciences Practice Full service practice for Healthcare and Life Sciences providing broad form Professional and General Liability in combined form, with manuscripted coverage and stand-alone Jurisdictional Foreign limits for Canadian risks with out-of-country exposure.
- Hospitality Hospitality insurance product line including liquor liability, legal expense, and restaurant recovery coverage for hospitality establishments.
- Manufacturing Insurance solutions for manufacturers across industrial machinery, metal, electrical, food & beverage, plastics, paper, and wood industries serving Canadian, US, or international markets.
- Mining Specialized insurance for mining operations and mining-related industry risks.
- Forestry Specialized insurance coverage for forestry operations and related industries.
- Crisis Management Security-related insurance products providing financial risk transfer and effective response capability for violent attacks and crisis situations.
- Construction Construction insurance including Wrap Up Liability and Course of Construction coverage for construction projects.
- Violent Attack Lite Specialty crisis management insurance for the hospitality industry, designed for small businesses, covering violent attacks including workplace violence, knife attacks, shootings, and vehicle ramming. Provides coverage for psychiatric costs, medical expenses, crisis management, and business interruption.
- Snow Removal Contractors Program National (excluding Quebec) snow removal contractors insurance program covering Property and Casualty with Commercial General Liability occurrence limits up to $10,000,000; in-house exclusive capacity.
- Cross-Border Underwriting Services Service enabling Canadian brokers to arrange insurance for clients with US/global cross-border exposures, covering Products Liability, International Property Risks, and CGL with Worldwide Territory through multiple carrier markets.
- Miscellaneous E&O Errors and omissions coverage for various professional categories including Business Consultants, HR Consultants, Management Consultants, Public Relations Consultants, Translators, and Health and Safety Consultants.
- Student Housing Insurance coverage for student housing including single dwellings, duplexes, condo units, converted houses, and large student housing complexes; covers named perils, replacement cost, and contents.
- Welders Coverage Liability and property package for welding contractors including Errors & Omissions, Failure to Perform, Faulty Workmanship, and Sudden & Accidental Pollution, with property coverage for sewer back-up, flood, and earthquake.
- Protective Services Liability (PSL) Coverage for Security Guards, Investigators, Fire Protection, Security & Access Systems and Alarm Monitoring Stations; industry leader for over 25 years.
- Roofing Contractors Custom-built insurance facilities for roofing contractors, including those exclusively engaged in Torch and Tar applications.
- Restoration and Remediation Contractors Comprehensive insurance package for contractors involved in removing hazardous materials such as Asbestos and Mould, and disaster restoration, including best-in-class Contractor's Pollution coverage.
- Rented Dwellings Insurance coverage for rented residential dwellings.
- Directors & Officers Liability Directors and Officers liability coverage for corporate leadership protection.
- Contractors Pollution Liability Pollution liability coverage specifically designed for contractors.
- Hospitality/Liquor Liability Liquor liability coverage for hospitality establishments including those with 100% liquor receipts.
Companies that use Totten Insurance Group
Customer profileSegments12 records
Ideal customer profiles1 record
Totten Insurance Group technology and API
TechnologyTechnology focussed No
API detail
- Has API
- No
- API docs
- API detail
Core technology
AI maturity
App detail
Totten Insurance Group partnerships and signals
Strategic signalPartnerships
Eleven partnerships are on record, tiered minor.
- ACE-INA InsuranceminorInsurance market partner for Cross-Border Underwriting Services providing capacity for products liability, international property risks, and CGL with worldwide territory.
- Berkley Canada Inc.minorInsurance market partner for Cross-Border Underwriting Services providing capacity for products liability, international property risks, and CGL with worldwide territory.
- Catlin CanadaminorInsurance market partner for Cross-Border Underwriting Services providing capacity for products liability, international property risks, and CGL with worldwide territory.
- Chubb Insurance Company of CanadaminorInsurance market partner for Cross-Border Underwriting Services providing capacity for products liability, international property risks, and CGL with worldwide territory.
- CNA CanadaminorInsurance market partner for Cross-Border Underwriting Services providing capacity for products liability, international property risks, and CGL with worldwide territory.
- Liberty International UnderwritersminorInsurance market partner for Cross-Border Underwriting Services providing capacity for products liability, international property risks, and CGL with worldwide territory.
- Lloyd'sminorInsurance market partner for Cross-Border Underwriting Services providing capacity for products liability, international property risks, and CGL with worldwide territory.
- Sovereign General Insurance CompanyminorInsurance market partner for Cross-Border Underwriting Services providing capacity for products liability, international property risks, and CGL with worldwide territory.
- Travelers CanadaminorInsurance market partner for Cross-Border Underwriting Services providing capacity for products liability, international property risks, and CGL with worldwide territory.
- XL InsuranceminorInsurance market partner for Cross-Border Underwriting Services providing capacity for products liability, international property risks, and CGL with worldwide territory.
- Zurich Insurance Company of CanadaminorInsurance market partner for Cross-Border Underwriting Services providing capacity for products liability, international property risks, and CGL with worldwide territory.
Scale indicators5 records
Recent moves6 records
Expansion highlights6 records
Totten Insurance Group competitors and assessment
Company assessmentDirect peers
- Burns & Wilcox: Burns & Wilcox is a North American specialty MGA and wholesale insurance broker offering hard-to-place commercial and personal lines through a network of partner offices. Comparable to Totten as a specialty MGA serving brokers with niche property, casualty, and professional lines unavailable in standard markets.
- Cansure Insurance Managers: Cansure is a Canadian specialty MGA focused on hard-to-place commercial property, liability, and niche lines. Directly comparable to Totten's MGA model of brokering difficult risks through delegated carrier authority across underserved Canadian verticals.
- Trisura Guarantee Insurance Company: Trisura is a Canadian specialty insurer and MGA provider writing surety, warranty, and specialty casualty lines. Overlaps with Totten in contractor and specialty casualty coverage through MGA-style distribution to brokers across Canada.
- Jones Deslauriers Blevins (JDB Insurance): JDB Insurance is a Canadian specialty insurance broker/MGA providing niche commercial and personal lines through broker networks. Comparable to Totten in operating as a Canadian specialty intermediary targeting hard-to-place risks with multiple carrier relationships.
- Specialty Program Group (SPG): Specialty Program Group is a US-based platform of specialty MGAs that Totten is reportedly transitioning to operate under as SPG Canada. Directly comparable parent platform providing capital, carrier access, and operational infrastructure to specialty MGAs across North America.
- CRC Insurance Group (Crump): CRC Insurance Group is a wholesale and specialty MGA in North America distributing niche commercial and professional lines to retail brokers. Comparable to Totten as a specialty wholesale distributor leveraging multiple carrier relationships to place hard-to-place risks.
Broad incumbents
- Northbridge Financial Corporation: Northbridge Financial is a Canadian commercial P&C insurer writing specialty and mid-market commercial lines through brokers. Comparable to Totten as a Canadian specialty commercial insurer overlapping in contractor, hospitality, and commercial casualty segments, but operating as a risk-bearing carrier rather than MGA.
- Intact Financial Corporation: Intact Financial is Canada's largest P&C insurer with broad commercial and personal lines distributed through broker networks. Overlaps with Totten in Canadian commercial casualty and specialty segments, but at far greater scale and as a carrier rather than MGA.
- Aviva Canada: Aviva Canada is a major Canadian P&C insurer offering personal, commercial, and specialty lines through brokers. Comparable as a Canadian specialty commercial participant overlapping with Totten's hospitality, contractor, and property casualty verticals, though distributed as a carrier.
- Hub International Limited: Hub International is a large North American insurance brokerage with substantial Canadian operations and specialty practice groups. Comparable to Totten as a Canadian specialty insurance distributor, though broader in product set, geography, and client size.
Market position
Strengths5 records
Weaknesses5 records
Competitive moat3 records
Key risks5 records
Key highlights7 records
Customer concentration
Totten Insurance Group social profiles
Digital presenceTotten Insurance Group compliance and trust
Trust signalCompliance2 records
Totten Insurance Group financial estimates
Financial estimateRevenue estimate
Valuation estimate
Totten Insurance Group leadership team
Management profileNumber of profiles
Profiles1 record
Totten Insurance Group funding detail
Funding detailFunding overview
Funding rounds
Investors
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
Totten Insurance Group M&A and investment
M&A and investmentM&A6 records
Investments
M&A and investment is available on the Subscription and Enterprise plan.Contact sales →
Frequently asked questions about Totten Insurance Group
What does Totten Insurance Group do?
Totten Insurance Group is a Managing General Agent (MGA) that underwrites and distributes niche commercial property and casualty insurance products to Independent Insurance Brokers of Canada. The company delivers specialty coverage through product lines such as Commercial Casualty, Professional Liability, Commercial Property, Environmental, Personal Lines, Healthcare, Hospitality, Manufacturing, Mining, Forestry, Crisis Management, and Construction, with tailored wordings for hard-to-place risks including Violent Attack Lite for hospitality, Snow Removal Contractors, Protective Services Liability, Welders, and Cross-Border Underwriting services.
Is Totten Insurance Group a public or private company?
Totten Insurance Group is a private company. It is classified as unknown and is currently operating.
When was Totten Insurance Group founded?
Totten Insurance Group was founded in 2002. It employs 101 to 250 people.
Where is Totten Insurance Group based?
Totten Insurance Group is headquartered in Toronto, Canada, in the North America region.
How does Totten Insurance Group make money?
One revenue line is on record: insurance Premiums (MGA).
Who are Totten Insurance Group's main competitors?
Direct peers on record are Burns & Wilcox, Cansure Insurance Managers, Trisura Guarantee Insurance Company, Jones Deslauriers Blevins (JDB Insurance), Specialty Program Group (SPG) and CRC Insurance Group (Crump). Broad incumbents are Northbridge Financial Corporation, Intact Financial Corporation, Aviva Canada and Hub International Limited.
Does Totten Insurance Group have an API?
No public API is recorded for Totten Insurance Group.