Wholesale Insurance for U.S. Expansions in Canada
What Is Wholesale Insurance?
Wholesale insurance provides market access for brokers and agents who need help placing complex, high-value, or international risks. Wholesale brokers like St. Andrews work as intermediaries between retail agents and insurers that specialize in these types of placements.
Our focus is helping U.S. brokers access Canadian wholesale broker markets. We take care of compliance, underwriting, and communication with insurers so you can continue building relationships and growing your business.
Seamless Cross-Border Insurance Solutions
When your U.S. clients expand into Canada, they need a trusted insurance partner who understands both markets. St. Andrews Insurance provides expert cross-border brokerage solutions and Canadian insurance placement support designed specifically for U.S. brokers, MGAs, and agents.
We make it easy for you to offer comprehensive insurance programs to clients doing business in Canada—without the licensing issues or compliance challenges. From commercial property and liability coverage to surety and financial bonds, St. Andrews offers the wholesale market access for U.S. brokers you need to protect your clients across borders.
Why Choose St. Andrews Insurance?
Comprehensive Coverage Solutions in Canada
While bonds are a cornerstone of our services, St. Andrews also provides full cross-border insurance programs for clients with Canadian assets or operations. As commercial insurance wholesalers, we make sure our services are available for everyone.
We offer a complete range of coverage options:
- Commercial Property and General Liability
- Commercial Auto and Fleet Insurance
- Professional Liability (E&O and D&O)
- Builders Risk Insurance
- Contractor’s Equipment and Tools
- Umbrella and Excess Liability
- Cyber Insurance
- Homeowners and Vacation Property Coverage
All programs are handled by licensed Canadian brokers, ensuring compliance and seamless coverage across both countries.
Why You Need a Cross-Border Insurance Partner
Expanding operations into another country brings new risks and regulations. U.S. insurance policies often don’t extend to Canadian operations, and Canadian law requires locally licensed brokers for placement.
Partnering with St. Andrews gives you:
- No need for Canadian licensing
- Full access to Canadian insurers and markets
- Fast, compliant quotes and binding
- Reliable support from an experienced cross-border team
As a Canadian wholesale broker, we make it easy to deliver complete protection for your U.S. clients expanding north.
Industries We Serve
St. Andrews provides cross-border brokerage solutions for a wide range of industries, including:
- Logistics and transportation
- Manufacturing and distribution
- Construction and trades
- Alcohol, cannabis, and tobacco importers
- Freight forwarders and customs brokers
- Foreign contractors working in Canada
From compliance-driven industries to high-risk markets, our expertise ensures that every policy and bond is tailored to your client’s needs.
Trusted Canadian Insurance Partners
Our relationships across Canadian specialty and E&S insurance markets give you the advantage of competitive pricing, quick turnaround, and customized solutions for any cross-border account.
We partner with leading Canadian insurers to provide broad and flexible options, including:
Meet Your Cross-Border Team
The St. Andrews Cross-Border team works exclusively with U.S. agents, brokers, and MGAs. We provide personalized service, transparent communication, and industry expertise that simplifies every stage of placement.
We’re more than a specialty insurance broker—we’re your long-term cross-border insurance partner.
Frequently Asked Questions
A wholesale insurance broker connects retail agents with insurers who specialize in unique or hard-to-place risks. They don’t sell directly to clients but instead provide market access, underwriting support, and expertise. In Canada, St. Andrews serves as a licensed Canadian wholesale insurance broker, helping U.S. agents secure coverage for their clients’ Canadian operations.
Retail insurance brokers work directly with policyholders, while wholesale insurance brokers serve retail agents by helping them access markets or expertise they don’t have. Wholesale brokers handle complex or cross-border accounts that require specialized placement knowledge.
U.S. insurance wholesale companies that operates, owns assets, or imports goods into Canada needs a compliant insurance policy and bonds under Canadian regulation.
Yes, St. Andrews offers multi-currency billing, allowing you to quote, bind, and invoice in USD or CAD based on client preference.
No. St. Andrews is a licensed Canadian brokerage that provides Canadian insurance placement support, so you can offer coverage without additional licensing.
We focus exclusively on partnerships with U.S. brokers and MGAs. Our services are designed for transparency, collaboration, and efficiency—not retail competition.
Yes. St. Andrews is a specialty insurance wholesaler with national bonding partners. We provide Customs, Excise, Financial Guarantee, and Contractor Bonds for cross-border clients.
Partner with St. Andrews Insurance
When your clients are ready to expand into Canada, St. Andrews Insurance provides the cross-border brokerage solutions and Canadian insurance placement support you can trust. With broad wholesale market access for U.S. brokers, licensed expertise, and responsive service, we make international insurance placement simple and seamless.
Get A Quote
Contact us today to learn how St. Andrews can help you grow your cross-border business.