SGI Insurance - Non-Owned Automobiles

When you have physical damage coverage on your business vehicle, non-owned automobile coverage automatically provides you, your spouse and any other drivers listed on your policy with coverage while driving the rented vehicle at no additional cost!

Your auto policy provides coverage in the event the non-owned vehicle is damaged, subject to a $50,000 limit and a $250 deductible.

This is especially important when you rent a vehicle, as you have the option of declining expensive rental company insurance - providing you've chosen both collision and comprehensive coverage on your SGI CANADA commercial auto policy.

Separate insurance may be obtained from the rental agency for the operational down-time of the vehicle while it is being repaired.

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Contact Monarch Insurance Brokers for more information.

780-422-0568 | monarch@monarchins.com

How a broker can help

More than 200 companies provide insurance to consumers in Canada, each offering its own unique coverage and expertise. It can be frustrating and confusing to compare different insurance products on your own.

An independent insurance broker is your best ally. They do the legwork to find you the best insurance coverage at a price you can afford and at no additional cost to you as they are paid by the insurance companies.

Aviva Insurance - U.S. & Cross-Border Insurance

Cross-border insurance solutions

You can access the simple cross-border insurance solution your business needs to meet regulatory and tax requirements – backed by the strength, stability and expertise of Aviva. If you have a Canadian business and require admitted paper for your operations or premises in the U.S., you’ll get a market-leading solution that offers:

• A comprehensive program to fulfill the specific needs of your cross-border business which meets all state regulatory requirements and avoids unnecessary U.S. tax implications of using non-admitted insurers.
• The value of property and assets in U.S. dollars, which removes complication from exchange rate fluctuations.
• Convenience of a single point of contact for your Canadian and U.S. business. If your quote is bound, we’ll ensure your U.S. location receives all the paperwork required.
• Reliable network of U.S. partners who provide responsive claims service whether the unexpected occurs in Canada or the U.S. Plus, you can feel secure knowing our U.S. partners are backed with a minimum financial strength rating of 'A' from A.M. Best.

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Contact Monarch Insurance Brokers for more information.

780-422-0568 | monarch@monarchins.com

How a broker can help

More than 200 companies provide insurance to consumers in Canada, each offering its own unique coverage and expertise. It can be frustrating and confusing to compare different insurance products on your own.

An independent insurance broker is your best ally. They do the legwork to find you the best insurance coverage at a price you can afford and at no additional cost to you as they are paid by the insurance companies.

Intact Insurance - 30 Minute Claims Guarantee

30 Minute Claims Guarantee

At Intact Insurance, we take customer satisfaction very seriously. We are ranked "Highest in Customer Satisfaction with the Auto Insurance Claims Experience" by J.D. Power*, and we believe part of how we ensure your satisfaction is through our 30 Minute Claims Guarantee.

When you call Intact Insurance to report a claim, we guarantee that within 30 minutes of answering your call, one of our dedicated claims representatives will start your claim. That means they’ll start the claims process, and will have the ability to take charge of the situation and arrange emergency support if required. If not, we’ll write you a cheque for the full amount of your annual premium up to a maximum of $1,000**. It’s just one of the ways we work to give you the best possible service experience when filing a claim.

* Intact Insurance received the highest numerical score in the proprietary J.D. Power 2015 Canadian Auto Claims StudySM, based on 2,583 total responses, ranking 11 providers. Excludes those with claims only for glass/windshield, theft/stolen or roadside assistance. Proprietary results based on experiences and perceptions of consumers surveyed February-April 2015. Your experiences may vary. Visit jdpower.comThis link will open in a new window..

** Certain conditions, limitations and exclusions apply.

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Contact Monarch Insurance Brokers for more information.

780-422-0568 | monarch@monarchins.com

How a broker can help

More than 200 companies provide insurance to consumers in Canada, each offering its own unique coverage and expertise. It can be frustrating and confusing to compare different insurance products on your own.

An independent insurance broker is your best ally. They do the legwork to find you the best insurance coverage at a price you can afford and at no additional cost to you as they are paid by the insurance companies.

SGI Insurance - Business Umbrella Liability

You have a profitable business. You entertain customers, colleagues and suppliers. You rent business space in a large building with multiple tenants. You travel and sell your products abroad.

And you already carry insurance policies to cover them all for damage and to protect yourself if you're sued.

But what if that coverage isn't enough?

Your business success puts you at greater risk of being sued for large sums of money if someone is injured on your property, using your equipment, shipping your products or you damage their reputation.

A Business Liability Umbrella provides additional, worldwide coverage to supplement your existing SGI CANADA policies, and in some cases, fill gaps they don't cover.

You've worked hard to get where you are and get what you've got - so protect it!

Liability and more

Besides providing additional liability coverage (up to $5 million) when your business or commercial auto insurance is maxed out or by filling gaps in those underlying policies, a liability umbrella gives coverage for things you wouldn't normally get with your existing policies, like:

Excess commercial liability coverage - for bodily injury and property damage over underlying commercial general liability (CGL) policies.

First dollar defense coverage - covers defense costs from the first dollar where coverage is provided by the umbrella but not in the underlying policy. Payment of defense costs will not reduce the limit of insurance.

World Wide coverage - for bodily injury or property damage claims as well as personal or advertising injury claims, excluding auto.

No deductible - you only pay deductibles associated with underlying policies.

No endorsement for additional insured - if you're protected by the underlying CGL policy, you're automatically included under the umbrella policy.

To be eligible, you should have existing SGI CANADA commercial property and auto insurance policies with a minimum liability limit of $2 million. Some eligibility restrictions apply.

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Contact Monarch Insurance Brokers for more information.

780-422-0568 | monarch@monarchins.com

How a broker can help

More than 200 companies provide insurance to consumers in Canada, each offering its own unique coverage and expertise. It can be frustrating and confusing to compare different insurance products on your own.

An independent insurance broker is your best ally. They do the legwork to find you the best insurance coverage at a price you can afford and at no additional cost to you as they are paid by the insurance companies.

Aviva Insurance - Residential Bonding & Surety

Build with confidence

As a residential builder or developer, you take your commitment to your purchasers’ satisfaction seriously. At Aviva, we stand beside you in your commitment to a happy home-buying experience for your customers and to delivering a home that represents your dedication to quality.

Support your new home and land development projects with a full suite of residential real estate surety and surety insurance solutions from the development experts at Aviva.

You’ll benefit from the experience and advice offered by our knowledgeable surety insurance and construction specialists, plus Aviva’s commitment to service excellence means the success of your projects is our top priority.

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Contact Monarch Insurance Brokers for more information.

780-422-0568 | monarch@monarchins.com

How a broker can help

More than 200 companies provide insurance to consumers in Canada, each offering its own unique coverage and expertise. It can be frustrating and confusing to compare different insurance products on your own.

An independent insurance broker is your best ally. They do the legwork to find you the best insurance coverage at a price you can afford and at no additional cost to you as they are paid by the insurance companies.

Intact Insurance - How to Make a Claim

Property damage

If your home or property gets damaged, we’ll help you get through the claims process as quickly as possible.

More

Car accident

No one wants to be involved in an accident, but if you need to make a claim we'll get you through the process as quickly and painlessly as possible.

More

Water damage

In cases of water damage you need to act fast to prevent the growth of mould and other allergens. We will help you through the process.

More

Fire damage

If your home or property is damaged by fire, we’ll help you get through the claims process as quickly as possible.

More

Wind and hail damage

Storms can wreak havoc on your property. We help you clean up the mess from wind or hail.

More

Robbery

When you call to report a theft and make a claim, we’ll help you get through the claims process fast so you can replace your stolen property.

More

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Contact Monarch Insurance Brokers for more information.

780-422-0568 | monarch@monarchins.com

How a broker can help

More than 200 companies provide insurance to consumers in Canada, each offering its own unique coverage and expertise. It can be frustrating and confusing to compare different insurance products on your own.

An independent insurance broker is your best ally. They do the legwork to find you the best insurance coverage at a price you can afford and at no additional cost to you as they are paid by the insurance companies.

Intact Insurance - Boat Insurance

my boat®

Cruise, motor or sail worry-free, knowing you have the coverage you need for your boat with my boat by Intact Insurance, featuring:

• Superior coverage that includes: Agreed Value, uninsured boater or vessel, personal effects, watersports liability, pet companion and more.
• Emergency assistance for towing and medical emergencies, plus search and rescue.
• Broad navigation limits within coastal and inland waters so you can explore new horizons.
• Loss of use coverage to provide you with a temporary replacement vessel.
• Savings and discounts based on experience, claims-free status, education and anti-theft devices.

Types of boats covered:

• Sailboats
• Cruisers
• Runabouts
• Inboards
• Outboards
• Pontoon

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Contact Monarch Insurance Brokers for more information.

780-422-0568 | monarch@monarchins.com

How a broker can help

More than 200 companies provide insurance to consumers in Canada, each offering its own unique coverage and expertise. It can be frustrating and confusing to compare different insurance products on your own.

An independent insurance broker is your best ally. They do the legwork to find you the best insurance coverage at a price you can afford and at no additional cost to you as they are paid by the insurance companies.

Aviva Insurance - Contract & Commercial Surety

Financial security guaranteed to get the job done

In today’s ever-changing environment, some of your customers may require the guarantee of a contract surety bond or a commercial surety bond.

With Aviva Surety, you benefit from experienced underwriters and risk management team members who specialize in providing contract and commercial surety bonds for individuals, businesses and organizations.

You can trust Aviva to create a surety facility that is right for you. Whether you’re a project manager, general contractor, supplier or manufacturer, you get a customized approach based on the specific needs of your business.

We take the time to understand your business goals and look at the ways you use your resources, skills and experience to be successful.

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Contact Monarch Insurance Brokers for more information.

780-422-0568 | monarch@monarchins.com

How a broker can help

More than 200 companies provide insurance to consumers in Canada, each offering its own unique coverage and expertise. It can be frustrating and confusing to compare different insurance products on your own.

An independent insurance broker is your best ally. They do the legwork to find you the best insurance coverage at a price you can afford and at no additional cost to you as they are paid by the insurance companies.

Intact Insurance - Snowmobile Insurance & ATV Insurance

Your snowmobile or ATV is part of your lifestyle; you need insurance you can count on.

Insure your ATV or snowmobile:

• On a stand-alone policy, or
• As an addition to your Intact Insurance auto policy, or
• As an addition to your bundled home and auto policy

We cover:

• ATVs and snowmobiles plus additional equipment subsequently installed, up to $30,000 in total value
• 4, 6 or 8-wheel ATVs up to 1200cc’s and Snowmobiles up to 1200cc’s, used for personal recreational purposes
• Trailers or sleighs used to tow your snowmobile
• Third-party liability protection against causing property damage or bodily harm* for you or family members who live with you

Talk to a broker for expert advice on the snowmobile or ATV insurance coverage you need.

*Certain conditions, limitations and exclusions apply.

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Contact Monarch Insurance Brokers for more information.

780-422-0568 | monarch@monarchins.com

How a broker can help

More than 200 companies provide insurance to consumers in Canada, each offering its own unique coverage and expertise. It can be frustrating and confusing to compare different insurance products on your own.

An independent insurance broker is your best ally. They do the legwork to find you the best insurance coverage at a price you can afford and at no additional cost to you as they are paid by the insurance companies.

Intact Insurance - RV Insurance

If your ideal recreation is taking to the open road in a motorhome or RV, you want the right coverage for peace of mind.

Insure your RV:

• On a stand-alone policy, or
• As an addition to your current Intact Insurance policy

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Contact Monarch Insurance Brokers for more information.

780-422-0568 | monarch@monarchins.com

How a broker can help

More than 200 companies provide insurance to consumers in Canada, each offering its own unique coverage and expertise. It can be frustrating and confusing to compare different insurance products on your own.

An independent insurance broker is your best ally. They do the legwork to find you the best insurance coverage at a price you can afford and at no additional cost to you as they are paid by the insurance companies.

Intact Insurance - Motorcycle Insurance

Standard bike or off-road type, city or open road – no matter where or how you ride, make sure you’re protected.

Insure your motorcycle:

• On a standalone policy, or
• As an addition to your current Intact Insurance auto policy, or
• As an addition to your bundled Intact Insurance home and auto policy

We cover:

• Standard, custom-built, dual-purpose, cruisers and off-road bikes
• With a value of up to $60,000
• Physical damage for motorcycles up to 25 years of age

Additional benefits:

• Discounts for insuring two or more motorcycles on the same policy
• Discounts for experienced and claims-free drivers
• Bundled pricing discounts when a motorcycle is added to your current Intact Insurance auto insurance policy or bundled home and auto insurance policy

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Contact Monarch Insurance Brokers for more information.

780-422-0568 | monarch@monarchins.com

How a broker can help

More than 200 companies provide insurance to consumers in Canada, each offering its own unique coverage and expertise. It can be frustrating and confusing to compare different insurance products on your own.

An independent insurance broker is your best ally. They do the legwork to find you the best insurance coverage at a price you can afford and at no additional cost to you as they are paid by the insurance companies.

SGI Insurance - Loss of Use Coverage

If your commercial vehicle is damaged and that damage is covered under your policy, loss of use coverage will pay for the rental of a replacement vehicle while your business' vehicle is being repaired or replaced, up to the amount of coverage you've chosen.

Coverage amount options vary from as low as $750 up to $5,000.

In addition, you're covered by your commercial auto policy while using the rental vehicle as a temporary substitute vehicle for the out-of-service vehicle covered by a policy.

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Contact Monarch Insurance Brokers for more information.

780-422-0568 | monarch@monarchins.com

How a broker can help

More than 200 companies provide insurance to consumers in Canada, each offering its own unique coverage and expertise. It can be frustrating and confusing to compare different insurance products on your own.

An independent insurance broker is your best ally. They do the legwork to find you the best insurance coverage at a price you can afford and at no additional cost to you as they are paid by the insurance companies.

Aviva Insurance - Equipment Breakdown Insurance

Essential equipment breakdown coverage for your business

All businesses rely on some form of electrical, systems-related, mechanical or pressure equipment, however, most commercial property policies don’t cover accidental equipment breakdown.

Problems with important systems, like heating and air conditioning, point-of-sale (POS) systems or refrigerators could impact or interrupt your business operations.

Avoid costly repairs, replacement costs and lost income with equipment breakdown insurance – available as an addition to your existing policy or as a standalone policy or on its own.

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Contact Monarch Insurance Brokers for more information.

780-422-0568 | monarch@monarchins.com

How a broker can help

More than 200 companies provide insurance to consumers in Canada, each offering its own unique coverage and expertise. It can be frustrating and confusing to compare different insurance products on your own.

An independent insurance broker is your best ally. They do the legwork to find you the best insurance coverage at a price you can afford and at no additional cost to you as they are paid by the insurance companies.

Intact Insurance - Car Insurance

Types of car insurance coverage

No matter what kind of vehicle you are insuring you can choose various levels of coverage, depending on how much protection you want for your car insurance:

• Collision and Upset coverage protects you from costs to repair damage to your vehicle caused by impact with another vehicle or an object such as a guardrail.
• Coverage against perils (other than collision or upset) protects you from costs to repair damage to your vehicle from unexpected situations such as fire, theft, vandalism or natural disasters.
• All Perils protection combines both of the above coverages.
• Specific Perils coverage protects your vehicle only against specific dangers, such as theft or attempted theft, some natural disasters, riots or civil disturbances.

Car Insurance Coverage Based on Your Vehicle

Car insurance liability coverage is mandatory for driving in Canada. Beyond that, there are other options to consider for your ideal coverage.

Learn more on car insurance coverage based on your vehicle

The type of vehicle you drive is one factor that determines what type of car insurance you need.

If you own a brand new car, for example, you may want your insurance policy to cover the full replacement cost in the event of an accident.

Car Insurance Coverage Based on Your Driving Habits

Do you commute every day, or save your driving for weekends? Are you running errands or carpooling?

Learn more on car insurance based on your driving habits

Your driving habits affect your insurance risks.

Uber Ridesharing

If you are an Uber driver in Alberta, Intact now provides a ridesharing policy that covers you from the instant a ride is accepted to the moment passengers exit your vehicle, as well as personal lines coverage options.

Learn more

Turo Car Sharing

Is your car sitting idle in your driveway? Put it to work and earn extra income by listing it with Turo - an online marketplace that allows private car owners to rent out their vehicles. It’s simple, safe and you can choose who rents your car and when.

Learn more

Get the best value for your money with car insurance and home insurance bundles from Intact Insurance

One bill. One payment. One renewal date. It's that easy!

Learn more on how bundle your car insurance and your home insurance

Savings and payments on your car insurance

At Intact Insurance, we treat each person as an individual.

We work with local, independent brokers to offer insurance coverage and premium amounts unique to you. Speak with a broker to help navigate through the different car insurance coverage options to ensure your discounts are built right into the price you pay.

We offer a variety of convenient payment options to help make it easier to manage your payments.

Learn more on savings and payments on your car insurance

Car Insurance Claims

No one wants to be involved in an accident, but if you need to make a car insurance claim we'll get you through the process as quickly and efficiently as possible.

Learn more on car insurance claims

30 Minute Claims Guarantee

When you call Intact Insurance to report a claim, we guarantee that within 30 minutes of answering your call, one of our dedicated claims representatives will start your claim.

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Contact Monarch Insurance Brokers for more information.

780-422-0568 | monarch@monarchins.com

How a broker can help

More than 200 companies provide insurance to consumers in Canada, each offering its own unique coverage and expertise. It can be frustrating and confusing to compare different insurance products on your own.

An independent insurance broker is your best ally. They do the legwork to find you the best insurance coverage at a price you can afford and at no additional cost to you as they are paid by the insurance companies.

Intact Insurance - How to Save Money on Home Insurance

How premiums are calculated

At Intact Insurance, we treat each person as an individual.

Our grass roots approach means we work with local, independent brokers to offer insurance coverage and premium amounts unique to you.

We consider all the standard variables when calculating your insurance premium – plus many more.

A broker can help you navigate coverage options and build your discounts right into the price you pay.

More

About deductibles

The deductible on your home insurance policy is the amount you pay towards repairs if you have a claim.

What can you afford to pay out of pocket for a claim?

The right deductible is balanced. It fits your budget for insurance on one hand, and on the other, what you can reasonably afford to pay in the event of a claim.

Talk to your broker. Get quotes with a few different deductible amounts to understand how it affects your insurance premium.

More

my rate™

Everyone is different.

At Intact Insurance and Novex, we recognize that no customer is the same. That is why we have developed a rating program that considers all the aspects that make each individual unique, and take this into account when determining their premium – so that each person gets the coverage and the price that fits them perfectly.

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Contact Monarch Insurance Brokers for more information.

780-422-0568 | monarch@monarchins.com

How a broker can help

More than 200 companies provide insurance to consumers in Canada, each offering its own unique coverage and expertise. It can be frustrating and confusing to compare different insurance products on your own.

An independent insurance broker is your best ally. They do the legwork to find you the best insurance coverage at a price you can afford and at no additional cost to you as they are paid by the insurance companies.

CFC - Social Media Insurance

Social media has been and continues to revolutionize the way we communicate and do business. However, the increased reliance on social media at both the consumer and corporate level carries with it a wave of new exposures for social media organisations. Esurance® 2.0 was one of the first products of its kind specifically designed to provide comprehensive protection for this new breed of media company – from social networks and community sites to media sharing websites, bloggers and online gaming companies. The modular policy allows businesses to tailor the cover they buy to the specific risks they face. Some of the coverage features are listed below.

Comprehensive media liability

The media landscape is changing at a fast pace. The many ways in which content is sourced, generated and disseminated mean that insurance needs to be broad enough to encompass all of it. This is why our policy provides full coverage on all content which you are held responsible for, including user generated content.

Defamation cover

An active social media presence harbors risks, and defamation is a serious threat to social media businesses which often provide a platform for views to be published and propagated. Our policy covers the costs incurred as a result of a claim first made against you alleging defamation (including but not limited to libel and slander,) and emotional distress as well as outrage arising out of your media content, user generated content or your business activities.

Cyber & Privacy cover

Our comprehensive cover takes into account the risks faced by modern businesses by providing protection against a wide variety of cyber attacks and data loss scenarios. It extends to loss or breach of data held in the cloud as well as hack attack on third parties emanating from your computers systems.

Cloud storage coverage

We recognise that more and more of your data – if not all of it – is stored in the cloud. While this has undeniably revolutionized the way we work, the cloud has also raised legal and technological concerns, and our cover ensures you are protected in the event of cloud data loss and breaches.

Intellectual Property rights infringement

Our policy covers the legal costs of defending a claim alleging an infringement of another individual’s or business’ intellectual property rights such as allegations of copyright or trademark infringement, as well as any damages, settlements and counterclaims associated with the claim. Our policy also covers the legal costs of claims of this nature that seek non-compensatory relief such as injunctions.

CIVIL LIABILITY PROFESSIONAL INDEMNITY

Social media may be relatively new but liability is not. We provide broad civil liability protection for clients ensuring that their legal costs and expenses as well as any damages or settlements are covered for a range of civil actions, including negligence, breach of contract, negligent misstatement or misrepresentation.

Breach of contract

Clear, unambiguous cover for breach of a client contract. We will pay all sums which you become legally obliged to pay as a result of any claim by a client made against you – including liability for claimants’ costs and expenses.

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Contact Monarch Insurance Brokers for more information.

780-422-0568 | monarch@monarchins.com

How a broker can help

More than 200 companies provide insurance to consumers in Canada, each offering its own unique coverage and expertise. It can be frustrating and confusing to compare different insurance products on your own.

An independent insurance broker is your best ally. They do the legwork to find you the best insurance coverage at a price you can afford and at no additional cost to you as they are paid by the insurance companies.

Aviva Insurance - Commercial Auto

Drive your business further with the right coverage.

We can help you stay on the road and keep your business moving.

As one of Canada’s largest commercial auto insurance providers, we understand just how vital vehicles are to your business. Whether you have a single utility van, an entire fleet of delivery trucks or a garage operation, you need the right protection with a commercial auto insurance solution based on your unique needs.

Many ways to save

Get the best value for your business. Ask your insurance broker about discounts that can save you and your company money, like:

• Having more than one business policy with us
• Being claims-free
• Implementing risk management practices

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Contact Monarch Insurance Brokers for more information.

780-422-0568 | monarch@monarchins.com

How a broker can help

More than 200 companies provide insurance to consumers in Canada, each offering its own unique coverage and expertise. It can be frustrating and confusing to compare different insurance products on your own.

An independent insurance broker is your best ally. They do the legwork to find you the best insurance coverage at a price you can afford and at no additional cost to you as they are paid by the insurance companies.

Intact Insurance - Personal Liaiblity Insurance

If you’re in an accident that causes bodily injury* or property damage to someone else, you could be sued.

Personal umbrella coverage will protect your assets against certain lawsuits, and cover your legal expenses and loss of income while preparing your legal defense.

Talk to a broker about topping up your existing coverage with a liability umbrella policy if you are:

• A home or condo owner
• An owner of a recreational property (like a cottage), rental property, boat, or snowmobile
• Active in your community
• A volunteer for school field trips or outings with your children's friends
• A frequent traveler (even on short business trips)
• A volunteer or a director of a non-profit organization (including condo corporations

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Contact Monarch Insurance Brokers for more information.

780-422-0568 | monarch@monarchins.com

How a broker can help

More than 200 companies provide insurance to consumers in Canada, each offering its own unique coverage and expertise. It can be frustrating and confusing to compare different insurance products on your own.

An independent insurance broker is your best ally. They do the legwork to find you the best insurance coverage at a price you can afford and at no additional cost to you as they are paid by the insurance companies.

RSA Insurance - Air Miles Program

AIR MILES®

Encourage your clients to protect their valued possessions and earn AIR MILES® reward miles at the same time.

At RSA, we believe your clients deserve to be rewarded for their loyalty. That’s why we offer AIR MILES® reward miles* on select RSA Personal and Commercial Insurance products.

Whether their policy is new or being renewed, your client can earn 1 AIR MILES® reward mile for every $20 in premium (including taxes) on select home and auto insurance services, and on eligible Commercial Insurance small to medium business policies.*

Why AIR MILES® matters

The AIR MILES® Reward Program is Canada’s premier coalition loyalty program. This program allows members to collect AIR MILES® reward miles at retail stores and services nationally, and redeem them for flights, accommodation, leisure products and more.

More than 10 million Canadians — representing about 70% of Canadian households — have an AIR MILES® Collector card, which means the appetite for collecting this form of loyalty rewards is large. Your ability to award AIR MILES® reward miles with each RSA product can have a positive impact on customer acquisition and retention.

How to register your clients

Registering to collect AIR MILES reward miles is quick and easy, and can be done either by you or your client.

Simply visit the registration page, where you will need to enter your client’s AIR MILES Collector Number, RSA policy number, and the effective date of their policy.

AIR MILES reward miles are allocated monthly and will not be retroactively given. Please see the Terms and Conditions.

If your client is not yet registered in the AIR MILES® Reward Program, please ask them to enroll now.

Questions and information

For answers to your or your clients’ questions, please see our Q&A page.

For questions regarding the AIR MILES program, please call the RSA Customer Information Services Team at 1-888-877-1710.

For more information on the AIR MILES Reward Program, visit www.airmiles.ca or call 1-888-AIR-MILES (888-247-6453).

*Please see Terms and Conditions. Not available in Manitoba or Saskatchewan.

®™ Trademarks of AIR MILES International Trading B.V. Used under license by LoyaltyOne, Inc. and Roins Financial Services Limited.

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Contact Monarch Insurance Brokers for more information.

780-422-0568 | monarch@monarchins.com

How a broker can help

More than 200 companies provide insurance to consumers in Canada, each offering its own unique coverage and expertise. It can be frustrating and confusing to compare different insurance products on your own.

An independent insurance broker is your best ally. They do the legwork to find you the best insurance coverage at a price you can afford and at no additional cost to you as they are paid by the insurance companies.

SGI Insurance - Deductibles

Choosing the right deductible for your business’ auto insurance can be a difficult process. Do you want a deductible that makes an accident more affordable or one that decreases your premium payments? And you must take into consideration who will be driving the business vehicle and what it might be carrying.

The first step is ensuring you know what a deductible is and how it affects your policy.

What is a deductible?

Your deductible is the portion of the claim you must pay before your insurance policy kicks in to pay for the rest.

In Alberta, the standard auto deductible offered by most insurers is $500 for collision coverage and $250 for comprehensive coverage.

The typical vehicle damage sustained in even a minor collision will usually cost more than these amounts. But some won't. This means if you make a claim and the cost is less than your deductible, your business could end up paying for the entire repair out of pocket.

Deductible options

With an SGI CANADA auto policy, you have the option of choosing a lower deductible so you pay less when you have a claim or a higher deductible so you pay a lower premium up front.

The choice is yours.

You should discuss your business' insurance needs and deductible options with your broker before making a decision.

Waive your deductible

Under certain circumstances, you may not have to pay your deductible when you make a claim when you have an auto policy. This is called waiving your deductible.

Fire, lightning and theft

Your deductible is waived for damage due to fire, lightning or theft of the entire vehicle, if you have comprehensive coverage.

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Contact Monarch Insurance Brokers for more information.

780-422-0568 | monarch@monarchins.com

How a broker can help

More than 200 companies provide insurance to consumers in Canada, each offering its own unique coverage and expertise. It can be frustrating and confusing to compare different insurance products on your own.

An independent insurance broker is your best ally. They do the legwork to find you the best insurance coverage at a price you can afford and at no additional cost to you as they are paid by the insurance companies.