UW manual 09-2026
Tenant Insurance.
Tenant coverage you can quote and bind in Go Bravo today.
Technical overview for brokers placing tenant (renters) policies through the Go Bravo portal. Underwritten locally by Mutual Fire Insurance Company of BC.
Broker highlights
What you need before you quote
Key limits and placement signals for Tenant Insurance. Download the UW manual for full binding authority, endorsements, and operations.
Contents range
$30,000 – $150,000
Max liability
Up to $2,000,000
Portal bind
Yes — standard tenant, no referral when rate available
Underwriter
Mutual Fire Insurance Company of BC
Summary for broker reference — binding subject to portal eligibility and policy wording.
Unacceptable risks
Do not quote or bind these risks in Go Bravo. Full eligibility rules are in the UW manual.
- Vacant or unoccupied premises
- Located in a designated flood zone
- Two or more claims in the last 5 years
- Sewer backup or overland water loss in the previous 5 years
- Sublets
- Current or previous grow operation
- Open claim with prior carrier
- Declined, cancelled, or refused by any insurer (except non-payment)
Full eligibility, endorsements, and binding rules are in the UW manual below.
Full underwriting manual
Tenant Insurance · 09-2026
Available to approved Bravo broker partners — sign in with your work email.
Who this product fits in your book.
Individual tenants
Renters who need contents and liability coverage for their lease.
Property managers
Placement for tenant policies tied to managed rental units.
Landlord referrals
When your landlord clients require tenants to carry insurance.
How placement works in Go Bravo.
Log in to Go Bravo
PortalUse your broker credentials. Complete short on-demand training if your firm is new to Bravo.
Quote in the portal
<5 minEnter risk details, adjust limits and endorsements, and review premium before you bind.
Bind & document
InstantIssue the policy in Go Bravo. Client documents are available immediately for your file.
Technical questions from brokers.
Is tenant insurance live for bind in Go Bravo?
Yes. Eligible tenant risks can be quoted and bound in the portal in minutes once your firm is onboarded and users complete required training.
What training is required for portal users?
Bravo provides short on-demand training for Go Bravo users. Training completion is tracked before production credentials are issued.
How fast can I bind a tenant policy?
Most eligible submissions bind in under three minutes through the portal workflow.
What commission applies?
Standard industry commission on eligible bound policies, per your broker agreement with Bravo.
Who underwrites the product?
Residential products are underwritten locally by Mutual Fire Insurance Company of British Columbia.
When is a referral required for tenant?
Standard tenant risks with an available portal rate and guidelines met do not require referral prior to bind. Business exposure from the insured location, unusual risks, or deviations from the quoting system must be referred to the underwriter before binding.
What appraisals are required for scheduled articles?
Jewelry valued at $5,000 or more requires a current Canadian appraisal (max 5 years old) showing stone and metal detail, or an up-to-date bill of sale with owner name and description. Engagement and wedding rings may be written in the name of the owner or person in possession.
Can I backdate or hold covered?
No. Backdating of coverage and hold covered are not permitted on tenant placements through Go Bravo.
Place Tenant Insurance in Go Bravo.
Log in to Go Bravo to quote and bind eligible policies in minutes.