From the underwriting desk
A short note from Andrew on what he's seeing in the market.
Monthly broker brief
The Terra Thread
Connecting the stories behind environmental risk, people, and the planet.
One email a month on Canadian environmental risk, written by an underwriter, for brokers.
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What's in each issue
Woven In
Canadian environmental stories, each with the coverage consequence and a question to ask about your own book.
Pulled Thread
A real claim, start to finish, and where the policy did or didn't respond.
Loose Ends
One regulatory change with a date attached.
Greenprint
One thing to do with your book this month.
Every issue carries one good news story too.
Who writes it
Andrew de Ruiter, founder of TerrAssure Underwriting Solutions. TerrAssure is a Canadian MGA and Lloyd's coverholder that specializes in environmental liability, and Andrew has spent more than 20 years in the class.
About TerrAssureRecent insights
Each issue's lead story is published in full on the site.
Risk Management
Giant Mine Shows Why Remediation Contractors Need More Than a CGL
Canada's $4.38 billion Giant Mine cleanup runs to 2038. Every contractor on a known contaminated site carries an exposure the CGL pollution exclusion was written to remove.
Read article Risk ManagementA New Tank, a New Tenant, a Sold Neighbour: Pollution Risk Moves Mid-Term
Zurich Canada says risk now moves too fast for once-a-year renewals. On a pollution policy, a change the insured knows about and does not report can become an exclusion at renewal.
Read article Risk ManagementOntario Stops Landfilling Clean Soil on January 1. Who Carries It Next?
From January 1, 2027, Ontario landfills cannot take clean excess soil as waste. More soil will travel further to reuse sites, and the pollution exposure travels with it.
Read articleQuestions
How often does The Terra Thread go out?
Once a month, on the first Wednesday.
Who is The Terra Thread for?
Commercial brokers in Canada who place, or want to place, environmental risk.
What does it cost?
Nothing.
Can I unsubscribe?
Yes, with one click from any issue.
What do you do with my details?
We use them to send The Terra Thread and nothing else. See our privacy policy.
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First Wednesday of each month. Free.
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