Signature Risk

What Signature Risk does

Signature Risk Partners Inc. (operating as Signature Risk) is a Toronto-based, independently owned Managing General Agent (MGA) that designs and underwrites specialized commercial insurance programs for niche industries in Canada. Founded in 2007, the company has built a portfolio of six core programs: Signature Golf (golf courses and country clubs), Signature Wine (wineries and vineyards), Signature Park (RV parks and campgrounds), Signature Club (city, social and athletic clubs), Signature Craft + Distillery (craft breweries and distilleries), and Signature Umbrella (stand-alone commercial umbrella liability). Each program features custom policy wordings developed through industry research to address exposures that generic commercial policies do not adequately cover.

The company's technology stack supports underwriting, broker communication and client-side risk management. It operates as a Lloyd's of London Coverholder since August 2010, accessing global specialty insurance capacity. Notable proprietary and integrated assets include SCOR (Stolen Cart Online Registry), the golf industry's first centralized stolen-cart database launched in 2013; a custom-built AI-powered Weather Alert Tool delivering SMS notifications about incoming severe weather, launched in April 2025; the Smartwaiver integration for digital liability waivers; and an award-winning SMS notification service for real-time submission tracking. Claims handling is outsourced to IPG Claims Management to mitigate conflicts of interest.

Revenue is generated through underwriting margins on insurance premiums, fixed Policy Fees (raised to $305 per new and renewal policy effective January 1, 2026, up from $289) and a 3.5% Policy Adjustment Fee on premium adjustments. Signature Pay, launched January 2025, adds a fourth stream via premium financing fees. Distribution is exclusively through licensed insurance brokers across Canada with no contract or production commitment required, supported by offices in Toronto (headquarters), Montreal (since September 2016) and British Columbia (since April 2019). The company serves mid-market operators across all Canadian provinces with limited US presence via sigspecialty.com.

Name

Signature Risk

Legal name

Signature Risk Partners Inc.

Website

https://signaturerisk.com

Company type

Private

Founded year

2007

Operating status

Operating

Headcount range

11–50 employees

Short description

Signature Risk Partners Inc. is a Toronto-based, independently owned Managing General Agent (MGA) designing and underwriting specialized commercial insurance programs for niche Canadian industries—golf courses, wineries, RV parks, clubs, craft breweries and distilleries—distributed exclusively through licensed insurance brokers.

Ownership category

akta.pro rank

Product category

Specialty Commercial Insurance

NAICS

Insurance Agencies and Brokerages (524210)

SIC

Insurance Agents, Brokers & Service (6411)

akta.pro primary industry

Mid-Market Commercial Package (Package Policies) (FSAJAFAB)

akta.pro secondary industry

Commercial Property Insurance (FSAJACAE)

Keywords

• Specialty commercial insurance
• Managing general agent
• Niche industry insurance
• Commercial umbrella insurance
• Broker-distributed insurance

Headquarters

HQ city

Toronto

HQ country

Canada

HQ region

North America

Offices3 records

Markets served

GTM type

B2B

Offering type

Services

Cost components

Personnel, Operations, Marketing or Sales, Technology or R&D, Infrastructure

Revenue model

1. Insurance Premium Revenue: As an MGA, Signature Risk designs and underwrites specialized commercial insurance programs. Revenue is generated through policy fees and underwriting margins on insurance premiums collected from policyholders through their broker network.
2. Policy Fee: The company charges a Policy Fee on all new and renewal policies. The fee was increased to $305 effective January 1, 2026, up from $289. Also charges Policy Adjustment Fee (PAF) of 3.5% on premium adjustments for policy changes.
3. Premium Financing (Signature Pay): Through Signature Pay, the company offers premium financing services to help customers manage insurance payments, generating revenue through financing fees.

Pricing tiers

Go-to-market motion2 records

Distribution channels1 record

Marketing channels7 records

Core offering

Signature Risk Partners Inc. operates as a Managing General Agent (MGA) that designs, underwrites, and distributes specialized commercial insurance programs for niche industries across Canada. The portfolio comprises six core programs: Signature Golf (golf courses/country clubs), Signature Wine (wineries/vineyards), Signature Park (RV parks/campgrounds), Signature Club (city/social/athletic clubs), Signature Craft + Distillery (craft breweries/distilleries), and Signature Umbrella (commercial umbrella liability). Policies are distributed exclusively through licensed insurance brokers and backed by Lloyd's of London capacity.

Product overview

Signature Risk Partners Inc. is a Managing General Agent (MGA) that creates and markets custom insurance programs for niche industries across Canada, distributed exclusively through licensed insurance brokers. The portfolio consists of six core insurance programs: Signature Golf (golf courses and country clubs), Signature Wine (wineries and vineyards), Signature Park (RV parks and campgrounds), Signature Club (city, social and athletic clubs), Signature Craft + Distillery (craft breweries and distilleries), and Signature Umbrella (standalone commercial umbrella liability). These programs are offered alongside supplementary services including SCOR (stolen cart database), Smartwaiver (cloud-based waiver solution), SMS notification service, and an AI-powered Weather Alert Tool. Signature Pay provides premium financing as a related service. The company operates as a non-broker-owned MGA working with Lloyd's as a reinsurer.

Differentiator

Problem solved

Functional benefit

Brands

• SCOR: Stolen Cart Online Registry - the golf industry's first online centralized database for stolen golf carts
• Signature Pay

Products and services

• Signature Golf Insurance Specialized commercial insurance program built exclusively for golf course and golf & country club owners and operators in Canada. Combines property, business interruption, liability, crime, and golf-specific coverages (tee-to-green coverage, errant ball damage) into a single package.
• Signature Wine Insurance Custom commercial insurance program for wineries and vineyards, protecting operations through all stages of winemaking. Offers three coverage tiers (Secure, Select, Standard) with wine-specific protections including trellis and grape vine coverage, wine leakage, product recall, and special valuation for wine stock.
• Signature Park Insurance Specialized commercial insurance program built exclusively for RV parks, campgrounds, seasonal resorts, glamping and outdoor hospitality operators in Canada. Bundles property, business interruption, liability, equipment breakdown, crime, and key amenities into a single package tailored to modern RV resorts and campgrounds.
• Signature Club Insurance Specialized commercial insurance program built for city, social and athletic clubs. Provides comprehensive property coverage for clubhouses, maintenance and sports facilities, contents, fine interiors, and on-site amenities with liability and crime protections tailored to membership-based facilities.
• Signature Craft + Distillery Insurance Specialized commercial insurance program built specifically for craft distilleries and spirits producers. Covers buildings, production equipment, barrels and tanks, finished stock, business interruption, and general and liquor liability, with protections for tours, tastings, retail bottle sales, and events.
• Signature Umbrella Insurance Stand-alone commercial umbrella liability package providing extra liability insurance coverage above and beyond the limits of existing liability policies. Designed to provide additional protection in the event of major claims or lawsuits.
• SCOR (Stolen Cart Online Registry) Golf industry's first online centralized database for tracking stolen golf carts. Allows golf clubs, cart dealers, and the general public to verify golf cart serial numbers to reduce cart theft and insurance claims.
• Signature Pay (Premium Financing) Premium financing service offering financing rates for insurance policy premiums with full transparency, helping customers manage insurance payments.
• Weather Alert Tool AI-powered weather alert tool that provides commercial insurance clients with real-time alerts about incoming weather events (storms, severe weather) that could affect their properties, enabling proactive risk mitigation.

Quantifiable outcome

• Fastest growing golf club insurance program in Canada as of 2011
• +1 more outcomes

Named customers4 records

Segments6 records

Ideal customer profiles6 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Integration1 record

AI capability2 records

Feature4 records

Partnerships

Twelve partnerships are on record, tiered minor and core.

• James DavisminorGTM or Marketing Partner · 18 February 2026James Colin Davis - professional golfer and digital golf content creator based in Quebec. Brand ambassador partnership with Signature Golf for Canadian golf community engagement.
• Camping in OntariocoreGTM or Marketing Partner · 4 June 2025Signature Park, a division of Signature Risk Partners, became an official supplier sponsor of Camping in Ontario, expanding presence within Canadian outdoor hospitality industry. Aligns with nationwide capability for specialized campground, RV park, glamping and lodge coverage.
• Club Management Association of Canada (CMAC)coreStrategic or Co-development Partner · 3 February 2025Three-year partnership agreement. CMAC Corporate Partner program recognizes industry partners sharing CMAC values and offering members support as leaders in club management profession in Canada.
• Audubon InternationalminorGTM or Marketing Partner · 3 July 2007Official partner of Audubon International - golf environmental sustainability organization. Podcast collaboration on Making the Green Greener.
• IPG Claims ManagementcoreStrategic or Co-development PartnerClaims handling partner - specialized team of experts licensed in all Canadian jurisdictions handling all claims for Signature Insurance Programs to ensure no conflicts of interest.
• Boiler Inspection and Insurance Company of Canada (BI&I)coreStrategic or Co-development PartnerStrategic partnership to provide superior Boiler and Machinery Coverage to golf course customers through Signature Golf program.
• Lloyd's of LondoncoreStrategic or Co-development PartnerSignature Risk approved as Lloyd's Coverholder since August 2010, providing access to Lloyd's global insurance capacity and financial strength.
• Canadian Camping and RV CouncilcoreGTM or Marketing PartnerProud partner of Canadian Camping and RV Council and BC Lodging and Campground Association for RV park industry representation.
• BC Lodging and Campground AssociationcoreGTM or Marketing PartnerPartner association representing campground and RV operators in British Columbia.
• NGCOA CanadacoreGTM or Marketing PartnerOfficial Commercial Insurance provider to NGCOA Canada Golfmax Purchasing Program since December 2016.
• Women in Insurance Cancer Crusade (WICC)minorGTM or Marketing PartnerSignature Golf presented cheque to WICC at 2011 WICC Golf Tournament - charity involvement.
• First Onsite RestorationscoreOthers24/7 emergency assistance partner for immediate loss mitigation and emergency services. Contact via toll-free lines for claims situations.

Scale indicators3 records

Recent moves15 records

Expansion highlights6 records

Broad incumbents

• Beazley Group: Global Lloyd's specialty insurer and MGA operating across many niche commercial lines with a Canadian presence. Comparable as a Lloyd's-rooted specialty underwriter, though broader in scope than Signature.
• Intact Financial Corporation: Largest Canadian P&C insurer with broad commercial and personal lines distributed through brokers (including BrokerLink). Comparable as a major Canadian broker-distributed insurer, though broader and less specialized than Signature.
• Aviva Canada: Large Canadian P&C insurer offering commercial and personal lines through brokers. Comparable as a major Canadian broker-distributed carrier, though Signature's niche specialization is much deeper.

Direct peers

• Northbridge Financial Corporation: Canadian specialty P&C insurer (Fairfax subsidiary) writing niche commercial and personal lines through brokers. Comparable to Signature's specialty, broker-distributed Canadian P&C model.
• Trisura Guarantee Insurance Company: Canadian specialty insurance group with MGA and program-administration capabilities focused on niche and commercial specialty lines. Most directly comparable peer to Signature's specialty MGA model in the Canadian market.
• Chutter Group of Companies: Canadian MGA focused on specialty and niche commercial classes distributed through brokers. Direct structural comparable to Signature's independent Canadian MGA / niche-program model.
• Premier Marine Insurance Group: Canadian specialty MGA focused on niche recreational and marine classes distributed through brokers. Comparable niche-MGA, broker-distributed structure targeting specialty verticals.
• Cansure (Markel Canada Specialty): Canadian specialty insurer focused on niche commercial lines distributed via brokers, now part of Markel. Comparable to Signature's niche commercial, broker-distributed specialty underwriting model.
• CFC Underwriting Ltd: Specialty Lloyd's MGA that designs niche commercial programs (cyber, professional lines, emerging risks) and distributes through brokers globally. Closest international analog to Signature's Lloyd's Coverholder, niche-program MGA model.
• Sovereign Insurance: Canadian specialty insurer focused on niche commercial classes, distributing through broker networks. Comparable to Signature in focus on specialty verticals and broker-driven distribution in Canada.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat5 records

Key risks6 records

Key highlights7 records

Customer concentration

• Xx.com/signaturerisk
• LinkedInlinkedin.com/company/signature-risk-partners-inc

Revenue estimate

Valuation estimate

Number of profiles

Profiles6 records

Funding overview

Funding rounds

Investors

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about Signature Risk