We have assembled a number of insurance-related resources for the use of our clients. For additional information or clarification on any of the topics covered, please speak with a member of our broker team. Our knowledgeable staff will be happy to assist with any inquiries you may have.
Why do I need insurance?
In certain situations, you may be legally required to have insurance. For example, insurance is required in order to drive a vehicle or get a mortgage for the home you are wanting to purchase. In cases where insurance isn’t mandatory, you still benefit from the peace of mind that comes with having the right coverage to protect the people and things most important to you during life’s unexpected events.
What does an insurance broker do?
An insurance broker negotiates with insurance carriers on your behalf to secure the most comprehensive coverage for your needs at the best possible value. A broker is not tied to any one specific insurance provider. We work with some of the top insurance carriers in Canada to get you coverage and plans you may not otherwise have access to.
What are your hours of operation?
Our branches are open Monday to Friday from 9am to 5pm with the exception of our Winnipeg office which is open from 8:30am to 4:30pm.
What do I do if I have a claim?
In the event of a claim, you already have enough to worry about. We want to make it easier than ever to report your claim and get the help you need.
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Call the police if necessary. Your insurer may require an official police report to document the incident.
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Call us as soon as possible once you are safe and have reported the incident to the police. You can call our 24/7 claims number at 1-866-418-3672
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If it is safe to do so, take pictures of the damage or make a video on your smartphone
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Make a list of all damages and write down the details
How can I save money on my insurance?
Depending on the type of coverage you are looking for, your broker may be able to recommend ways you can reduce your rates such as, bundling multiple insurance policies with the same insurance provider.
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The definitions appearing in this Glossary are provided solely for general informational purposes. They are not intended to be complete descriptions of all terms, conditions and exclusions applicable to the products and services defined. As well, in the case of any inconsistency between the definitions in this Glossary and the definitions appearing in the actual policy, the definitions contained in the actual policy shall govern.
ACCIDENT
An unexpected event, which happens by chance and is not expected in the normal course of events.
BASIC RATE
The standard charge for a given type of risk.
CANCELLATION
Termination of an insurance coverage during the policy period by the voluntary act of the insurance company or insured, effected in accordance with provisions in the contract or by mutual agreement.
DECLARATIONS (DEC SHEET)
A term used in insurance for the portion of the contract which contains information such as the name and address of the insured, the property insured, its location and description, the policy period, the amount of insurance coverage, applicable premiums, and supplemental representations by the insured.
- the types of coverage you have elected;
- the limit for each coverage;
- the cost for each coverage;
- the specified vehicles covered by the policy;
- the types of coverage for each vehicle covered by the policy; and
- other information applicable to the policy.