Service Through Innovation

Size: px
Start display at page:

Download "Service Through Innovation"

Transcription

1 Service Through Innovation

2 Who We Are Full service insurance brokerage established 2008 Specialized in Small and Medium Business Offering Package business insurance deal Dedicated to support client all year round Personalized solution for your business and personal insurance need Fast turnaround

3 INSURANCE FACTS Vacant Home while on holiday? Do you know if you are going on holiday and left house vacant, any catastrophe happens to your home when gone, may not be covered by insurance? Reason: Because it is set up as home owner insurance where the owner living at home, or has someone capable looking at your home to minimize losses when things happened. Solution : Think about it. Talk to your advisor and have someone visiting your home before it gets worse when pipe burst etc.

4 Professional Architects, Engineers Insurance Package deal for Building Designers Light & Heavy Civil Engineers Electrical Engineers Mechanical & HVAC Engineers Project / Construction Managers Others Acoustic, Landscape, Chemical, Forensic etc.

5 INSURANCE FACTS Tool Hurt someone by accident? Homeowner, Hiring Contractor for home renovation project? Best to leave it to the expert to do their job. Why? If you tell them where to put things, supply them with tools or equipment, any accident result in injury and claims, it will attribute back to your home insurance claim. It was equally your fault too..remember that. So hold that urge!!

6 Mortgage Brokers, Financial Planners Error & Omission up to $2 Million limit Commercial Liability up to $5 Million No Deductible on E&O defense cost Disciplinary Proceedings limit of $15,000 Loss of Documents $15,000 Libel, Slander or Defamation $50,000 Privacy Failure Expense $25,000

7 Investment Advisor, Life Insurance Agents Error & Omission up to $2 Million limit Commercial Liability up to $5 Million No Deductible on E&O defense cost Disciplinary Proceedings limit of $15,000 Loss of Documents $15,000 Libel, Slander or Defamation $50,000 Privacy Failure Expense $25,000

8 INSURANCE FACTS Punctured Oil Pipe? Do you know 90% of pollution claim (leaky oil, chemical to the environment) will not be covered by your business insurance? Reason : Most business insurance have exclusion on this and pollution cleanup is complex and may cost a lot of money. Solution : You need a separate pollution coverage.

9 Contractors Pollution Liability Stand-alone or Bundle CGL Pollution Liability Coverage Error & Omission Coverage For Consultants & Contractors Do you know 90% of environmental losses are uninsured? Don t get caught. Talk to us and protect your business of environmental event.

10 INSURANCE FACTS 85% of the home insurance claim result from water damage, but no all covered It s optional on your home insurance. There aren't any insurance company offer water seepage, overland water to your home insurance to date. Well, this will change soon. ask us for more.

11 Property Risk Strata Condo Complexes Strata Townhouse Development Residential Apartment Buildings General Mercantile Office Occupancies Student Housing Much More..

12 INSURANCE FACTS Driving For Profit? Delivering pizza, taking other to airport for a fee? Maybe enroll into paid per drive service with your car? Think again. Using your car for money is consider commercial activity (period) Remember, you're not cover on the commercial activity if you have personal auto insurance. You may denied claim and worse, tagged as misrepresentation on your file.

13 Manufacturers, Wholesalers Liability coverage up to $25 million Covering US and Foreign Sales Imported Products, Foreign Suppliers Quick and short application Focus Health, Beauty products Metal Workers, Electronics, Building Supplies Food, Furniture, Telecom, Sports etc.

14 INSURANCE FACTS Creditable Witness on Car Accident? If you are involved in auto accident, make sure you get witness the minute it happens, however, anybody you known may not be a credible witness, so start asking around for independent witness that you do not know.

15 Individual Medical Malpractice Package Insurance bundle CGL + E&O USA exposure welcome Service including Elderly Care Physio Counselors MRI

16 INSURANCE FACTS On Board for Charity? Feels like volunteering for your favourite charity for good cause? Make sure you are properly covered by insurance. Any charity or Non-profit Organisation do not have directors and officers coverage, consider adding umbrella on your personal home and auto insurance. What would the worst case scenario be? kids getting hurt, disgruntling fired employee, mismanaged fund by directors, well, you are part of it, and you are on the hook,.

17 Construction, Builders Risk $100,000 - $100 million infrastructure or Reno project Project Already Started Blanket Homebuilder (discount for 10+ units) Complex Risk (up to $100 million) Large wood frame residential Pollution liability

18 INSURANCE FACTS Not wearing corrective eyewear while driving? Albertan : If you have a condition A on your driver license and you are the named insured if you're driving without proper eye sight correction, your claim on auto accident could be denied? Why? wasn't it obvious? if you need to see properly with glasses and refuse to drive, you are driving illegally..

19 IT Professional Commercial General Liability Error & Omission Business Interruption No restriction to US Sales Privacy failure expense Focus on Web Hosting, IT Consultants, Software developer Network Support, Data Storage. Retrieval Computer Training, Hardware Sales & Support

20 Personal Insurance Home & Auto Motorcycle, Recreation, ATV Home base business Personal Umbrella Coverage We shop around to offer extremely good price for experience driver (6 years up), you will be rewarded for good driving behavior with no accident or tickets

21 Commercial Insurance Commercial Auto Commercial Fleet (over 6 vehicles) Commercial Property Commercial General Liability Professional Error & Omission Commercial Umbrella Coverage Talk to us for personalized solutions

22 Car Insurance Group Rate Get reward for good behaviour Better than Group Rate Fact Group Rate is based on average claims, if you have over 6 years of insurance no claim history, we can shop for better than group rate. 90% of our rate beats typical Group Rate by a lot!!!! Proof- How about $326/year Based on postal code T0J 1X1, male 54, civil servant, non commute, 39 years license, no ticket, no accident, vehicle 2003 BMW 320i 4Dr, PLPD $1 million,, SEF 44, 7500km mileage.

23 Job Opening Seeking Strategic Business Alliance Looking for Edmonton East New Branch Manager Level II, Commercial and Personal Lines Experience Ability to run and maintain a profitable branch People Skill, Attention to detail Yes, You Independent Producer Commission base Strategic Alliance Tell us what you have in mind

24 Get a Free Quote: Fast Online Application Committed to Serve

PERSONAL LIABILITY UMBRELLA POLICY PROTECTING YOUR DREAMS

PERSONAL LIABILITY UMBRELLA POLICY PROTECTING YOUR DREAMS PERSONAL LIABILITY UMBRELLA POLICY PROTECTING YOUR DREAMS THE BIGGER YOUR DREAMS, THE MORE YOU HAVE TO PROTECT. You ve worked towards your dreams a car, a home, spending time with the people you love.

More information

Public charities are all 501(c)(3) but have various missions. Each mission carries significant risks and innocuous risks. Amount of risk depends upon:

Public charities are all 501(c)(3) but have various missions. Each mission carries significant risks and innocuous risks. Amount of risk depends upon: Public charities are all 501(c)(3) but have various missions. Each mission carries significant risks and innocuous risks. Amount of risk depends upon: Scale of operation: revenue, assets, staff. Town,

More information

made simple Personal Umbrella Policy Insurance What s inside:

made simple Personal Umbrella Policy Insurance What s inside: Personal Umbrella Policy Insurance made simple What s inside: How to read an Allstate Personal Umbrella Policy Declarations Understanding personal umbrella policy insurance How to file a claim Frequently

More information

Insurance basics for nonprofit organizations

Insurance basics for nonprofit organizations Insurance basics for nonprofit organizations Updated: July 2012 This document is intended as general and abbreviated guidance for nonprofit organizations. Because every organization s insurance needs are

More information

The Nuts & Bolts of Insurance for Nonprofits

The Nuts & Bolts of Insurance for Nonprofits The Nuts & Bolts of Insurance for Nonprofits www.steelbridgeins.com 888.647.4777 It s more than what you need. It s what you deserve. Purchasing insurance for a nonprofit organization can be a confusing

More information

NonProfit 101. Notes: Session 1B: Insurance, What you do not know can hurt you! From Survivability to Sustainability. June 10, 2015 Session 1B page 1

NonProfit 101. Notes: Session 1B: Insurance, What you do not know can hurt you! From Survivability to Sustainability. June 10, 2015 Session 1B page 1 Session 1B: Insurance, What you do not know can hurt you! Notes: June 10, 2015 Session 1B page 1 Session 1B: Insurance, What you do not know can hurt you! Notes: June 10, 2015 Session 1B page 2 June 10,

More information

Errors & omissions Product overview. get there together

Errors & omissions Product overview. get there together Errors & omissions Product overview get there together Errors & Omissions Professional Lines Targeting Errors & Omissions Accounts Our goal is to provide a market for insurance that covers hard-to-place

More information

CONSTRUCTION INDUSTRY

CONSTRUCTION INDUSTRY APPLICATION CONSTRUCTION INDUSTRY CONTRACTORS AND CONSULTANTS PROFESSIONAL LIABILITY INSURANCE THIS IS AN APPLICATION FOR A CLAIMS MADE AND REPORTED POLICY THIS APPLICATION IS NOT A BINDER SECTION I GENERAL

More information

126 Questions to Ask Your Insurance Agent

126 Questions to Ask Your Insurance Agent 126 Questions to Ask Your Insurance Agent Plus One to Ask Yourself Scott Simmonds, CPCU, ARM Insurance Consulting 207-284-0085 Scott@ScottSimmonds.com www.scottsimmonds.com Insurance from an Unbiased Point

More information

Application for Home, Auto, and Umbrella Coverage

Application for Home, Auto, and Umbrella Coverage Application for Home, Auto, and Umbrella Coverage Total Pages: 6 pages including cover page Thank you for requesting quotes for your Home, Auto, and Umbrella insurance from TDIC Insurance Solutions. Please

More information

Click the CERTIFICATE OF INSURANCE REQUEST link that appears on our webpage www.risk.utah.gov. The link is located at the upper right hand side

Click the CERTIFICATE OF INSURANCE REQUEST link that appears on our webpage www.risk.utah.gov. The link is located at the upper right hand side Click the CERTIFICATE OF INSURANCE REQUEST link that appears on our webpage www.risk.utah.gov. The link is located at the upper right hand side corner of the page. Check the box after reading the instructions

More information

made simple Auto Insurance What s included:

made simple Auto Insurance What s included: Auto Insurance made simple What s included: How to read your Allstate Auto Policy Declarations Understanding auto insurance: Coverages Deductibles Coverage limits What to do in case of an accident Frequently

More information

LMCIT Service Contract Insurance Recommendations

LMCIT Service Contract Insurance Recommendations LMCIT Service Contract Insurance Recommendations The type and amount of insurance should be determined on a case-by case basis dependent upon various factors such as the scope of work and the potential

More information

There s more to Premier than Marine.

There s more to Premier than Marine. There s more to Premier than Marine. ABOUT PREMIER Established in 1989 One of the largest independently owned MUA in Canada Over 100 employees across 5 locations Administering over 80,000 policies Products

More information

GENERAL LIABILITY AND THE PROFESSIONAL EXCLUSION. David Thornton

GENERAL LIABILITY AND THE PROFESSIONAL EXCLUSION. David Thornton GENERAL LIABILITY AND THE PROFESSIONAL EXCLUSION David Thornton GREATER LEXINGTON INSURANCE AGENCY RISK THE CHANCE OF LOSS OR THE UNCERTAINTY OF LOSS Handling of Risk AVOIDANCE, RETENTION, TRANSFER Insurance

More information

For the past 50 years, we have assured you the best coverage.

For the past 50 years, we have assured you the best coverage. For the past 50 years, we have assured you the best coverage. TABLE OF CONTENTS OUR PHILOSOPHY OUR MISSION OUR PROFESSION OUR EXPERTISE 02 03 04 05 CONSTRUCTION TRANSPORTATION SERVICE INDUSTRY COMMERCIAL

More information

IDC Member Insurance Program brought to you by LMS PROLINK Ltd.

IDC Member Insurance Program brought to you by LMS PROLINK Ltd. IDC Member Insurance Program brought to you by LMS PROLINK Ltd. Protecting You and Your Clients LMS PROLINK Ltd. Tel 416.644.7717 480 University Avenue, Toll Free 800.663.6828 Suite 800 Toronto ON Fax

More information

Drive confidently. Protecting that investment with a Stillwater Auto policy helps you do those things confidently.

Drive confidently. Protecting that investment with a Stillwater Auto policy helps you do those things confidently. AUTO INSURANCE Drive confidently With the exception of your home, your car is probably the most valuable thing you own. It s an investment one you rely on every day to commute, shuttle the kids, run errands

More information

SHORENSTEIN REALTY SERVICES, L.P VENDOR INSURANCE REQUIREMENTS CATEGORY D VENDORS

SHORENSTEIN REALTY SERVICES, L.P VENDOR INSURANCE REQUIREMENTS CATEGORY D VENDORS NAME AND ADDRESS OF AGENCY: NAME AND ADDRESS OF INSURED: Certificate of Insurance COMPANIES AFFORDING COVERAGES INSURANCE COMPANY S DESIGNATED MUST HAVE A MINIMUM OF A- VIII AM BEST RATING COMPANY A COMPANY

More information

CANADIAN AQUAFITNESS LEADERS ALLIANCE INC. LIABILITY INSURANCE PROGRAM

CANADIAN AQUAFITNESS LEADERS ALLIANCE INC. LIABILITY INSURANCE PROGRAM CANADIAN AQUAFITNESS LEADERS ALLIANCE INC. LIABILITY INSURANCE PROGRAM Exclusive to: Certified CALA Fitness Instructors and Personal or Group Trainers. Dan Lawrie Insurance working for you! Dan Lawrie

More information

https://ui.constantcontact.com/visualeditor/visual_editor_preview.jsp?age...

https://ui.constantcontact.com/visualeditor/visual_editor_preview.jsp?age... 1 of 6 4/28/2015 2:51 PM Home Personal Commercial Surety Our Partners About Us Testimonials Contact Lawsuits happen every day. Some are frivolous, while others warrant merit. If you were sued, would you

More information

Zurich Public Sector Solution

Zurich Public Sector Solution Zurich Public Sector Solution Solutions for an Evolving Public Sector Managing risk for a Public Sector entity has taken on an unprecedented level of complexity. Consider for a moment the evolving risks

More information

UNIGARD INSURANCE COMPANY. Idaho PERSONAL UMBRELLA MANUAL

UNIGARD INSURANCE COMPANY. Idaho PERSONAL UMBRELLA MANUAL UNIGARD INSURANCE COMPANY Idaho PERSONAL UMBRELLA MANUAL Idaho Personal Lines Personal Umbrella i Application Binding Coverage Increased Limits Limits of Liability Introduction Policy Term Premium Determination

More information

5. Firm is Corporation Partnership Sole Proprietorship Joint Venture Other

5. Firm is Corporation Partnership Sole Proprietorship Joint Venture Other THIS IS AN APPLICATION FOR A CLAIMS MADE AND REPORTED POLICY This Application for Architects and Engineers Professional Liability Insurance is intended to be used for the preliminary evaluation of a submission.

More information

Introduction to Insurance Policies

Introduction to Insurance Policies Chapter 1 Introduction to Insurance Policies 1-1 TYPES OF POLICIES 1-1:1 Personal Lines Versus Commercial Lines Policies Personal lines policies are purchased by an individual, rather than an organization,

More information

Providing group personal excess liability insurance to a unique group of professionals. Group Personal Excess Liability Insurance

Providing group personal excess liability insurance to a unique group of professionals. Group Personal Excess Liability Insurance Providing group personal excess liability insurance to a unique group of professionals Group Personal Excess Liability Insurance W ith the number of personal lawsuits growing at an alarming rate, professionals

More information

Cooperative of American Physicians Group Personal Excess Liability Program

Cooperative of American Physicians Group Personal Excess Liability Program Enrollment Instructions Cooperative of American Physicians 2013 Enrollment Form Coverage Effective - January 1, 2013 Complete the Participant Contact Information section using the spaces provided. Select

More information

Sport INSURANCE PROGRAM PREPARED FOR ONTARIO UNDERWATER COUNCIL & MEMBER CLUBS TERM: JANUARY 1, 2015 TO JANUARY 1, 2016

Sport INSURANCE PROGRAM PREPARED FOR ONTARIO UNDERWATER COUNCIL & MEMBER CLUBS TERM: JANUARY 1, 2015 TO JANUARY 1, 2016 INSURANCE PROGRAM PREPARED FOR ONTARIO UNDERWATER COUNCIL & MEMBER CLUBS TERM: JANUARY 1, 2015 TO JANUARY 1, 2016 INTRODUCTION The following is a Summary of the Insurance Coverage which provides you with

More information

CLIENTS CONTRACTS PROJECTS. Percent of Clients (must total 100%)

CLIENTS CONTRACTS PROJECTS. Percent of Clients (must total 100%) Access E&S Insurance Services, Inc. www.access-es.com CLIENTS CONTRACTS 12. a. Government or Public Entities b. Owners acting as their own builders c. Design/Build or turnkey contractors d. Other contractors

More information

What A Nonprofit Organization Needs To Know About Insurance. Susan R. Smith. Beehive Insurance Agency, Inc.

What A Nonprofit Organization Needs To Know About Insurance. Susan R. Smith. Beehive Insurance Agency, Inc. the the the GOOD UGLY BAD& What A Nonprofit Organization Needs To Know About Insurance Susan R. Smith Beehive Insurance Agency, Inc. c o n t e n t s Introduction 1 General Liability 2 Professional Liability

More information

u n i t s i x Insurance: Your Protection Could you afford to pay for the damages you

u n i t s i x Insurance: Your Protection Could you afford to pay for the damages you Unit Six Insurance: Your Protection You're healthy, young, vivacious, and happy. Why in the world would you need insurance? You know the guy who was hit while riding his motorcycle or the girl who broke

More information

INSURANCE FOR VOLUNTARY ORGANIZATIONS ARE YOUR VOLUNTEERS AND CLIENTS COVERED?

INSURANCE FOR VOLUNTARY ORGANIZATIONS ARE YOUR VOLUNTEERS AND CLIENTS COVERED? INSURANCE FOR VOLUNTARY ORGANIZATIONS ARE YOUR VOLUNTEERS AND CLIENTS COVERED? BUSINESS INSURANCE VISIT IBC.CA Nearly 12 million Canadians or 45% of the population volunteer time through a group or organization,

More information

All About Auto Insurance

All About Auto Insurance All About Auto Insurance The legal responsibility involved when you are in a car accident is extraordinary. Basically, if you hurt someone else while driving, there s no limit to the amount he or she can

More information

6 Ways To Save Money On Auto Insurance In Ontario

6 Ways To Save Money On Auto Insurance In Ontario 6 Ways To Save Money On Auto Insurance In Ontario 6 Ways to Save Money on Auto Insurance in Ontario Contents Contents 01 Introduction 03 Auto Insurance 101 Mandatory Coverages 05 Auto Insurance 101 Optional

More information

Pro-Form Sinclair Professional - Newsletter

Pro-Form Sinclair Professional - Newsletter Pro-Form Sinclair Professional - Newsletter Pgfgf Insurance Requirements Go Both Ways The following material is provided for informational purposes only. Before taking any action that could have legal

More information

ARCHITECTS AND ENGINEERS PROFESSIONAL LIABILITY INSURANCE

ARCHITECTS AND ENGINEERS PROFESSIONAL LIABILITY INSURANCE THIS IS AN APPLICATION FOR A CLAIMS MADE AND REPORTED POLICY This Application for Architects and Engineers Professional Liability Insurance is intended to be used for the preliminary evaluation of a submission.

More information

UNIGARD INSURANCE COMPANY ARIZONA PERSONAL UMBRELLA MANUAL

UNIGARD INSURANCE COMPANY ARIZONA PERSONAL UMBRELLA MANUAL Arizona Personal Lines Personal Umbrella UNIGARD INSURANCE COMPANY ARIZONA PERSONAL UMBRELLA MANUAL Arizona Personal Lines Personal Umbrella Application Binding Authority Coverage Increased Limits Introduction

More information

BUSINESS INSURANCE Guidebook For Artists

BUSINESS INSURANCE Guidebook For Artists BUSINESS INSURANCE Guidebook For Artists A Studio Protector Publication by CERF+ More info: www.studioprotector.org Table of Contents Introduction... 1 Risk Management... 2 3 Liability: Avoiding a High-Stakes

More information

Group Home and Auto Insurance. Your insurance shouldn t leave you wanting more. Satis Service

Group Home and Auto Insurance. Your insurance shouldn t leave you wanting more. Satis Service Group Home and Auto Insurance Your insurance shouldn t leave you wanting more Back Claimed by our s Satis Service facti Guar o ante *n e Total protection and peace of mind built around you For over 50

More information

Partnership Announcement

Partnership Announcement Partnership Announcement Gallagher Charitable, in collaboration with the Catholic Radio Association, has endeavored to develop and provide a comprehensive method for procurement and utilization of insurance

More information

Auto Service and Repair Insurance Application

Auto Service and Repair Insurance Application Auto Service and Repair Insurance Application Section I General Information Policy Period Desired From to 1. d Insured Type of Entity: Corp Partnership Individual LLC Other 2. For inspection purposes:

More information

OBJECTIVES. The BIG Idea MONEY MATTERS. How much will it cost to buy, operate, and insure a car? Paying for a Car

OBJECTIVES. The BIG Idea MONEY MATTERS. How much will it cost to buy, operate, and insure a car? Paying for a Car Paying for a Car 4 MONEY MATTERS The BIG Idea How much will it cost to buy, operate, and insure a car? AGENDA Approx. 45 minutes I. Warm Up (5 minutes) II. What Can You Spend? (15 minutes) III. Getting

More information

Discounts That Can Make a Big Difference For Your AUTO AND HOMEOWNERS INSURANCE

Discounts That Can Make a Big Difference For Your AUTO AND HOMEOWNERS INSURANCE Discounts That Can Make a Big Difference For Your AUTO AND HOMEOWNERS INSURANCE Page 1 Index 3 3 5 Introduction Car insurance discounts Homeowners insurance discounts Page 2 Introduction While everyone

More information

ARCHITECTS AND ENGINEERS PROFESSIONAL LIABILITY INSURANCE THIS IS AN APPLICATION FOR A CLAIMS MADE AND REPORTED POLICY

ARCHITECTS AND ENGINEERS PROFESSIONAL LIABILITY INSURANCE THIS IS AN APPLICATION FOR A CLAIMS MADE AND REPORTED POLICY HCC Specialty 2300 Clayton Road, Suite 1100, Concord, California 94520 main 925 685 1600 facsimile 925 685 1750 Insurance Services ARCHITECTS AND ENGINEERS PROFESSIONAL LIABILITY INSURANCE THIS IS AN APPLICATION

More information

A Guide To Insurance Issues For Homeowner, Condo And Civic Associations

A Guide To Insurance Issues For Homeowner, Condo And Civic Associations A Guide To Insurance Issues For Homeowner, Condo And Civic Associations Info and tips for officers and members of community associations in Delaware From Karen Weldin Stewart, CIR-ML Delaware s Insurance

More information

CHOOSING STRATA INSURANCE: A GUIDE FOR STRATA COUNCILS

CHOOSING STRATA INSURANCE: A GUIDE FOR STRATA COUNCILS Insurance for strata corporations is much more complex than insurance for single-family dwellings. This guide will give you the basic information you need to make a wise insurance decision, whether your

More information

FIS-PUB 0077 (6/13) Number of copies printed: 10,000 / Legal authorization to print: PA 145 of 1979 / Printed on recycled paper

FIS-PUB 0077 (6/13) Number of copies printed: 10,000 / Legal authorization to print: PA 145 of 1979 / Printed on recycled paper DIFS is an equal opportunity employer/program. Auxiliary aids, services and other reasonable accommodations are available upon request to individuals with disabilities. FIS-PUB 0077 (6/13) Number of copies

More information

The X s and O s of Personal Property and Casualty Insurance Policies

The X s and O s of Personal Property and Casualty Insurance Policies The X s and O s of Personal Property and Casualty Insurance Policies In the Huddle AGENDA Automobile Insurance Liability Insurance Key components of a good risk and insurance review Selection criteria

More information

Business Auto Insurance. made simple

Business Auto Insurance. made simple Business Auto Insurance made simple What s inside: How to read an Allstate Business Auto Policy Declarations Understanding business auto insurance: Deductibles Coverage limits Frequently asked questions

More information

Gordon L. Mountjoy & Associates, Inc.

Gordon L. Mountjoy & Associates, Inc. INSURANCE REQUIREMENTS CHECKLIST Submit an Acord 25 form and the endorsements as required below. Your insurance must be in compliance immediately after you sign your subcontract and before you start work.

More information

Lundgren & Young Insurance Ltd. is pleased to offer you an additional benefit of membership of the Calgary Chamber of Commerce

Lundgren & Young Insurance Ltd. is pleased to offer you an additional benefit of membership of the Calgary Chamber of Commerce Lundgren & Young Insurance Ltd. is pleased to offer you an additional benefit of membership of the Calgary Chamber of Commerce Home and Auto Insurance Group Insurance Plan for: Chamber Members and their

More information

insurance auto insurance

insurance auto insurance insurance auto insurance our mission The mission of The USAA Educational Foundation is to help consumers make informed decisions by providing information on financial management, safety concerns and significant

More information

a consumers guide to No-Fault Automobile Insurance in Michigan

a consumers guide to No-Fault Automobile Insurance in Michigan a consumers guide to No-Fault Automobile Insurance in Michigan No-Fault Automobile Insurance in Michigan The Michigan no-fault system was adopted in 1973 to increase the level of benefits paid to injured

More information

SPO Insurance Requirements for Contracts

SPO Insurance Requirements for Contracts Okay hi everyone. My name is Tracy Kitaoka. I'm the state risk management officer and thank you for joining today's presentation, insurance requirements for contracts, SPO 150. Okay so let's start off

More information

Home and Automobile Insurance Guide

Home and Automobile Insurance Guide Home and Automobile Insurance Guide General Information Finding the best insurance policies to suit your needs can be a complex and confusing business. To help you, we have addressed questions and defined

More information

INSURANCE & REINSURANCE

INSURANCE & REINSURANCE MPR-FINTRA, INC. 1300 N. FEDERAL HWY, STE 110 BOCA RATON, FLORIDA 33432 PH: 561-338-7488 INFO@MPRFINTRA.COM OR DONC@MPRFINTRA.COM INSURANCE & REINSURANCE MPR-Fintra, Inc. Product Guide Coverage Target

More information

NEFE High School Financial Planning Program Unit 6 Your Money: Keeping it Safe and Secure. Unit 6 - Insurance: Protecting What You Have

NEFE High School Financial Planning Program Unit 6 Your Money: Keeping it Safe and Secure. Unit 6 - Insurance: Protecting What You Have Unit 6 - Insurance: Protecting What You Have Common Exposures to Loss Exposure Risk Potential Loss Accident or Illness Loss of income from inability to work; uninsured medical bills; death UNLIMITED Property

More information

Your Personal Excess Liability (PEL) Benefit

Your Personal Excess Liability (PEL) Benefit EMPLOYEE BENEFIT Your Personal Excess Liability (PEL) Benefit Protecting you from judgments, settlements, and claims against you. 888.552.4448 Valuable Protection from an Employee Benefit If you rely on

More information

With property insurance you can buy either actual cash value or replacement cost insurance.

With property insurance you can buy either actual cash value or replacement cost insurance. 1 of 6 12/9/2010 10:52 PM Introduction to Property Insurance Tips & Considerations Concerning Property Insurance Introduction to Liability Insurance Tips & Considerations Concerning Liability Insurance

More information

1-800-927-4357. www.insurance.ca.gov. Automobile. Insurance. California Department of Insurance

1-800-927-4357. www.insurance.ca.gov. Automobile. Insurance. California Department of Insurance 1-800-927-4357 www.insurance.ca.gov Automobile Insurance California Department of Insurance Table of Contents Page 2 Introduction to Auto Insurance 4 Auto Insurance Costs 6 Liability Coverage and California

More information

INSURANCE 101 YOUR USER FRIENDLY HANDBOOK A CO-OPERATIVE EFFORT BETWEEN THE ORGANIZATION FOR PARENT PARTICIPATION IN CHILDCARE AND EDUCATION, ONTARIO

INSURANCE 101 YOUR USER FRIENDLY HANDBOOK A CO-OPERATIVE EFFORT BETWEEN THE ORGANIZATION FOR PARENT PARTICIPATION IN CHILDCARE AND EDUCATION, ONTARIO INSURANCE 101 YOUR USER FRIENDLY HANDBOOK A CO-OPERATIVE EFFORT BETWEEN THE ORGANIZATION FOR PARENT PARTICIPATION IN CHILDCARE AND EDUCATION, ONTARIO AND TABLE OF CONTENTS Introduction...Page 3 The Basic

More information

DIVISION OF INSURANCE

DIVISION OF INSURANCE Alaska Consumer Guide to Auto Insurance State of Alaska Department of Commerce, Community, and Economic Development DIVISION OF INSURANCE About the Alaska Division of Insurance The Alaska Division of Insurance

More information

GEN3B - GENERAL INSURANCE PRODUCTS (COMMERCIAL LINES) SYLLABUS 2009

GEN3B - GENERAL INSURANCE PRODUCTS (COMMERCIAL LINES) SYLLABUS 2009 GEN3B - GENERAL INSURANCE PRODUCTS (COMMERCIAL LINES) SYLLABUS 2009 Objective: To develop in the candidate a sound knowledge and understanding of the scope of the commercial general insurance products

More information

What is home insurance? What are perils? Whether you own or rent the roof over your head, that roof and everything beneath it has a value.

What is home insurance? What are perils? Whether you own or rent the roof over your head, that roof and everything beneath it has a value. Whether you own or rent the roof over your head, that roof and everything beneath it has a value. Have you considered how hard it would be to replace everything if a tornado leveled your home? What if

More information

Commercial Lines Exposure Checklist For:

Commercial Lines Exposure Checklist For: Commercial Lines Exposure Checklist For: Client Name Date Coverage Has Coverage Need Coverage Not Applicable/ Miscellaneous Policices Aircraft Products Liability Aviation Bonds Breach of Privacy Credit

More information

LOUISIANA DEPARTMENT OF INSURANCE. Consumer s Guide to. Auto. Auto Insurance. James J. Donelon, Commissioner of Insurance

LOUISIANA DEPARTMENT OF INSURANCE. Consumer s Guide to. Auto. Auto Insurance. James J. Donelon, Commissioner of Insurance LOUISIANA DEPARTMENT OF INSURANCE Consumer s Guide to Auto Auto Insurance Insurance James J. Donelon, Commissioner of Insurance A message from Commissioner of Insurance Jim Donelon Some of us spend up

More information

RYERSON UNIVERSITY INSURANCE FINANCIAL SERVICES

RYERSON UNIVERSITY INSURANCE FINANCIAL SERVICES RYERSON UNIVERSITY INSURANCE TOPICS Vendors Coverage/Policy Summaries Certificates of Insurance Liability Waivers Reporting Stolen or Damaged University Property Reporting On Campus Accidents Contract/Agreement

More information

Thank you again for taking the time to allow us to shop and hopefully improve your insurance protection.

Thank you again for taking the time to allow us to shop and hopefully improve your insurance protection. Auto Home Life Health Business Farm Workers Comp Thank you for allowing us the opportunity to work for you. Clovis Insurance Agency has been providing insurance protection for individuals, families and

More information

DELAWARE COUNTY. Supersedes June 15, 1988, March 22, 1999

DELAWARE COUNTY. Supersedes June 15, 1988, March 22, 1999 DELAWARE COUNTY Subject Self- Program Effective June 28, 2004 Supersedes June 15, 1988, March 22, 1999 This Sheet 1 Total 5 Purpose To provide a written document explaining the Self- Program, preferred

More information

Insurance Requirements for You and Your Client

Insurance Requirements for You and Your Client Insurance Requirements for You and Your Client Experienced clients often present a list of insurance requirements for their environmental consultants. Sometimes, these are presented in the form of mandatory,

More information

1. Name of Firm: County: 2. Address: 3. Branch Office Address(es): 4. Phone: ( ) Fax: ( )

1. Name of Firm: County: 2. Address: 3. Branch Office Address(es): 4. Phone: ( ) Fax: ( ) PERSONNEL THIS IS AN APPLICATION FOR A CLAIMS MADE AND REPORTED POLICY This Application for Professional Liability Insurance is intended to be used for the preliminary evaluation of a submission. When

More information

A Consumer s Auto Insurance Guide

A Consumer s Auto Insurance Guide Financial Institutions Environment and Labour A Consumer s Auto Insurance Guide 2nd edition Auto insurance is a mandatory product for all drivers in Nova Scotia. However, understanding this complex product

More information

A Consumer s Auto Insurance Guide

A Consumer s Auto Insurance Guide Financial Institutions Environment and Labour A Consumer s Auto Insurance Guide 2nd edition Auto insurance is a mandatory product for all drivers in Nova Scotia. However, understanding this complex product

More information

Auto Insurance for New Mexico s Young Drivers

Auto Insurance for New Mexico s Young Drivers Auto Insurance for New Mexico s Young Drivers Prepared for New Mexico s Young Drivers and Their Parents by: One of the major events in many people s lives is earning the privilege of driving a motor vehicle.

More information

Serving independent agents since 1954 - You can trust us to get you the service you need.

Serving independent agents since 1954 - You can trust us to get you the service you need. Serving independent agents since 1954 - You can trust us to get you the service you need. Service to the Local Agent, not Competition. Commercial Auto Personal Lines Property & Casualty Worker s Comp Who

More information

Coverage Options. Setting the Standard for Church Insurance since 1972

Coverage Options. Setting the Standard for Church Insurance since 1972 Coverage Options Over 6,000 churches and Christian charities from coast to coast in Canada choose the comprehensive protection, premium savings and complete confidence provided by Church Protection Plus.

More information

Auto Repair and Service Insurance Application

Auto Repair and Service Insurance Application Auto Repair and Service Insurance Application INSTRUCTIONS: ALL QUESTIONS MUST BE ANSWERED IN FULL. INCOMPLETE APPLICATIONS WILL NOT BE PROCESSED MVR S MUST BE SUBMITTED ON ALL OWNERS AND EMPLOYEES. Producer

More information

RealProSure Insurance Program Application

RealProSure Insurance Program Application Section Client Information. Name of Brokerage (Must included the full legal name and operating name): Legal Name: Date Established: Operating Name:. Previous Business Name: Date Dissolved:. Do you operate

More information

Application For Commercial Umbrella Liability Insurance

Application For Commercial Umbrella Liability Insurance Application For Commercial Umbrella Liability Insurance Intact Insurance Company All Questions Must be Answered Completely. PLEASE PRINT. Agent/Broker Head Office: 1200-321 6 th Ave SW Calgary, AB T2P

More information

Your Personal Excess Liability (PEL) Benefit

Your Personal Excess Liability (PEL) Benefit GE EMPLOYEE BENEFIT Your Personal Excess Liability (PEL) Benefit Get the one coverage that really stands out Valuable Protection through an Employee Benefit If you re relying on your auto and home insurance

More information

Business Auto Insurance (Not in Text)

Business Auto Insurance (Not in Text) Business Auto Insurance (Not in Text) Overview I. Covered Autos II. III. IV. Liability Physical Damage Conditions V. Additional Coverages and Endorsements I. Covered Autos business auto form provides flexibility

More information

PERSONAL UMBRELLA. ADMITTED in AK, CA, ID, OR. Superior Underwriters Primex Insurance Brokers A.M. BEST A+XV RATED CARRIER

PERSONAL UMBRELLA. ADMITTED in AK, CA, ID, OR. Superior Underwriters Primex Insurance Brokers A.M. BEST A+XV RATED CARRIER ADMITTED in AK, CA, ID, OR PERSONAL UMBRELLA LIABILITY A standalone personal umbrella product that specializes in providing a market for hard to place risks. Four distinct lines available: Primary Umbrella

More information

If I had a $1,000,000,000. USATF Annual Meeting St. Louis, MO December 2, 2011 Atlanta, GA

If I had a $1,000,000,000. USATF Annual Meeting St. Louis, MO December 2, 2011 Atlanta, GA If I had a $1,000,000,000 USATF Annual Meeting St. Louis, MO December 2, 2011 Atlanta, GA What can be worse than listening to a guy talk about insurance on a Friday afternoon? You get a call from your

More information

TOP10 AUTO INSURANCE FAQ S

TOP10 AUTO INSURANCE FAQ S TOP10 AUTO INSURANCE FAQ S Lane s Insurance Chad answers the Top 10 most frequently asked Auto Insurance FAQ s A Publication By: 1 1 - Why is my premium so high? Auto insurance premium rates are based

More information

Automotive services features

Automotive services features Automotive services features Travelers Canada E-Clips Designed for specific occupancies which maintain or repair private passenger or small commercial vehicles. Feature coverages: 1. Pollution clean up

More information

What Is Business Insurance? What Does Business Insurance Cover? How Does Business Insurance Work?

What Is Business Insurance? What Does Business Insurance Cover? How Does Business Insurance Work? What Is Business Insurance? Business insurance includes a broad range of policy options designed to protect a business from financial loss. Every commercial operation has its own unique set of risks, which

More information

3. Is this personal umbrella available monoline over other acceptable carrier underlying coverages? Yes.

3. Is this personal umbrella available monoline over other acceptable carrier underlying coverages? Yes. Program Questions 1. Who is the carrier being offered and what is their rating? Hudson Specialty, which has an AM Best rating of A Excellent XV and is a member of the Odyssey Re Group. 2. Is this personal

More information

AUTOMOBILE INSURANCE HOW MUCH COVERAGE DO I NEED?

AUTOMOBILE INSURANCE HOW MUCH COVERAGE DO I NEED? HM 680 April 1991 $ $$ Southern Selection AUTOMOBILE INSURANCE HOW MUCH COVERAGE DO I NEED? You may not realize how much you rely on your car until something happens and you are unable to use it. You cannot

More information

Some of the choices you make can influence what you pay for insurance. Let's look at few of these factors:

Some of the choices you make can influence what you pay for insurance. Let's look at few of these factors: Objectives: 1. To understand and learn about the factors that affect the cost of auto insurance 2. To learn ways teens can lower their cost for auto insurance 3. To provide an interactive segment allowing

More information

SUB-SECTION 1 ENDORSEMENTS APPLICABLE TO ONTARIO POLICY CHANGE FORM (OPCF)

SUB-SECTION 1 ENDORSEMENTS APPLICABLE TO ONTARIO POLICY CHANGE FORM (OPCF) FACILITY ASSOCIATION Section S Standard Endorsement Forms Notes: 1.No endorsements, no special wordings and no changes to standard forms are permissible except as approved by or on behalf of the Superintendent(s)

More information

AUTO INSURANCE A RATE COMPARISON GUIDE NEBRASKA DEPARTMENT OF INSURANCE 941 O STREET, SUITE 400 PO BOX 82089 LINCOLN, NEBRASKA 68501-2089

AUTO INSURANCE A RATE COMPARISON GUIDE NEBRASKA DEPARTMENT OF INSURANCE 941 O STREET, SUITE 400 PO BOX 82089 LINCOLN, NEBRASKA 68501-2089 A RATE COMPARISON GUIDE 2015 RATES AUTO INSURANCE COMPILED BY DEPARTMENT OF INSURANCE 941 O STREET, SUITE 400 PO BOX 82089 LINCOLN, 68501-2089 402-471-2201 TOLL-FREE: 1-877-564-7323 TDD: 1-800-833-7352

More information

Frequently Asked Questions

Frequently Asked Questions Frequently Asked Questions We have endeavored to answer the most frequently asked insurance questions. These are guidelines, generalizations not to be construed as coverage and/or guarantees. When you

More information

12/14/2015 HOT TOPICS IN MULTI-USE BUILDINGS: INSURANCE, CONSTRUCTION AND DEVELOPMENT INTRODUCTION AND OVERVIEW

12/14/2015 HOT TOPICS IN MULTI-USE BUILDINGS: INSURANCE, CONSTRUCTION AND DEVELOPMENT INTRODUCTION AND OVERVIEW HOT TOPICS IN MULTI-USE BUILDINGS: INSURANCE, CONSTRUCTION AND DEVELOPMENT Philip K. Glick, CPCU, RPLU Two Liberty Place 50 S. 16 th Street, Suite 3600 Philadelphia, PA 19102 P: 267-702-1374 C: 610-551-4734

More information

HOT TOPICS IN MULTI-USE BUILDINGS: INSURANCE, CONSTRUCTION AND DEVELOPMENT

HOT TOPICS IN MULTI-USE BUILDINGS: INSURANCE, CONSTRUCTION AND DEVELOPMENT HOT TOPICS IN MULTI-USE BUILDINGS: INSURANCE, CONSTRUCTION AND DEVELOPMENT Philip K. Glick, CPCU, RPLU Two Liberty Place 50 S. 16 th Street, Suite 3600 Philadelphia, PA 19102 P: 267-702-1374 C: 610-551-4734

More information

The Personal Liability Umbrella Insurance Plan Offered exclusively to our members

The Personal Liability Umbrella Insurance Plan Offered exclusively to our members The American College of Obstetricians and Gynecologists Personal Liability Umbrella Insurance Plan The Personal Liability Umbrella Insurance Plan Offered exclusively to our members Unfortunately, lawsuits

More information

Insurance for Radon Professionals

Insurance for Radon Professionals As a radon professional there are a few resources for obtaining insurance. Your first option should be to contact your current insurance broker. There are also brokers that specialize in providing coverage

More information

Auto Insurance Buyers Guide

Auto Insurance Buyers Guide Auto Insurance Buyers Guide Table of Contents Understand Your Rights as a Consumer...1 Introduction...... 2 Why You Need Auto Insurance...... 3 When to Shop for a New Auto Insurance Policy.. 4 How to Shop

More information