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 [email protected]