High Valued Homeowners & Personal Article Floaters Provided by CHES Special Risk Inc. Supports the VIP Homes Market Place

Ottawa, Ontario – CHES Special Risk Inc. today announced the launched of their High Value Home Insurance Program.

The Castle Policy from CHES Special Risks has been carefully crafted for those with specialist and complex needs and is ideal for High End Homeowners offering competitive coverage and pricing for our Brokers preferred VIP accounts or harder to place high value risks.

We are of course able to considered the conventional High Valued Property Client, our capacity and product offering in this arena starts at CAD$500,000 and runs as high as CAN$50,000,000, combined Buildings and Contents, per location.

Stand-alone placement for Personal Articles and Fine art, Collections, as well as, wine and items on Loan or consignment, are available, on a worldwide all risks cover for physical loss or damage worldwide, including transit risks, including agreed value on specified items, new acquisitions cover, again, Worldwide with an option to repurchase property recovered after a theft.

Standalone Personal Umbrella is also available, with limits of CAD$5,000,000 excess of a minimum underlying of CAD$1,000,000 and able to offer up to 2 secondary USA properties.

High Value Home Insurance Coverage is Provided under the Castle Policy on an All Risk basis with Guaranteed Replacement cost, upgrades for Green with generous Personal Liability limits which extend to cover libel, slander, mental anguish and more, Rebuilding to Code – No Limit , with extensions to include Students attending college or university or Parents in a Nursing Home.

We are also able to consider the following type of High End Homeowner:

  • Secondary Homes with values higher than the Primary Residence
  • Numbered Company Ownership
  • Estates and Trusts
  • Standalone Secondary Homes
  • Seasonal Properties
  • Foreign Ownership
  • Short Term Rental
  • Home Flipper style constructions and renovations
  • Unprotected Risks
  • Log Construction
  • Loss Frequency
  • No Credit History
  • Heritage Homes
  • Multiple Mortgages
  • Vacant

The Personal Lines Underwriting Team at CHES Special Risk is also able to offer a comprehensive Buildings and Contents package, all part of the services expected from CHES Special Risk.


CHES Special Risk Inc. was established as a Managing General Agent and Wholesale broker in 2004, in response to broker demand to a hardening marketplace, commencing with a particular specialty in the entertainment and hospitality business, later becoming a fully accredited Lloyd’s coverholder in 2009. CHES Special Risk are a fully Independent MGA delivering “A” rated capacity both in the hard to place, and standard lines classes and support their retail brokers in growing and developing their businesses.

Additional information regarding CHES Special Risk can be found at: chesspecialrisk.ca

Google Reviews

My experience working with Ches and specifically Alex Blair Johns has been first class. In the midst of a hardening market, Ches has demonstrated to me that they are a partner committed to serve the Brokerage community and its Clients by positioning themselves as a solutions oriented leader.

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Over all it's a very good company. I have brought Life science insurance from them and I am very much happy with them.

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CHES is a company that cares about the development of its employees and ensures that it brings real added value to its customers!

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