SGI Insurance - Office Pak

If your business runs primarily out of an office setting and your practise performs an intellectual service, then Office Pak is for you.

The hustle and bustle of a busy office means more people are in and out your door. And whether you're an accountant, a lawyer or a financial planner, you also have a lot of personal data in your possession. Its destruction could really put your entire business at risk.

That's why SGI CANADA's Office Pak is comprehensive coverage in one package designed to protect your business from damage to your buildings, its contents and loss of income.

Not sure if you qualify for Office Pak? Read about eligible businesses or ask your broker.

Coverage features

In addition to the core property coverage and liability coverage highlights, here are some of the coverage features you'll find useful to your business.

Accounts receivable

Do you typically have people who owe you money from month to month for goods or services you provide on account or credit? Would you know who they are and how much they owe you if your records were damaged, lost or destroyed?

With Office Pak, you're covered for the amount owed to you, including collection expenses or interest charges incurred, even if you can't say exactly how much it is.

Artwork

If your office has a lobby or reception area, you might have a painting, sculpture or other work of fine art on display. Protect your investment with Office Pak coverage, up to a limit of $10,000, even when it's in transit or temporarily away from your insured premises1.

Improvements/betterments

Have any improvements been done to the space you rent - such as upgraded flooring or light fixtures? If they are damaged, your Office Pak will cover the customized features - not just replace with the blank slate of the original space.

Loss assessment

If your office is located in a unit you own in a commercial condominium building, you're covered for any special assessments2 levied upon you by the condominium corporation for a direct loss to the collectively owned property by an insured peril3.

Property of customers/employees

If your customers or employees had property (other than tools) on your insured premises1 during a loss, your Office Pak will replace them providing you were in the care, custody and control of these items and they aren't otherwise insured by the owner.

Property in custody of sales representative

This covers items or product you have insured, whether in transit or otherwise, that are in the custody of a sales representative travelling or based within Canada or the United States.

Valuable papers and records

If you store, hold or retain valuable papers or records - like records, books, maps, films, drawings, deeds, abstracts or mortgages - for your clients at your insured premises1, Office Pak will pay for the reproduction, replacement or restoration of these written, printed or otherwise inscribed documents, up to your chosen limit.

This includes damage or destruction by an insured peril3 that occurs while the property is temporarily away from the premises, up to $5,000, or being moved or removed from a safe location due to an imminent danger or loss.

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Assets / Links

Office Pak eligible businesses
Papers and records theft or destruction
SGI CANADA insurance brokers
Value Pak core property coverage
Value Pak liability coverage

Footnotes

1. Your insured property or building as described in your policy. 
2. A cost that you are deemed responsible for associated to losses in a common area of a building in which you are a tenant or co-owner. 
3. Physical threats that could damage your insured premise, such as an impact with a land vehicle or aircraft, wind, hail, fire, lightning, explosion, smoke, vandalism or malicious act. See your policy wording for exact coverage. 

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Contact Monarch Insurance Brokers for more information.

SGI Insurance - Building Owner's Pak

Providing business space for other businesses can be risky. You assume all the risks their businesses face, and in most cases you have a lot more to lose.

SGI CANADA's Building Owner's Pak is designed specifically to protect you from those risks.

As long as your tenants run businesses eligible for one of the Value Pak family of insurance packages for small- to medium-sized businesses, you'll be eligible for this comprehensive coverage that protects you from damage to your building, its contents and loss of income.

Coverage features

In addition to the core property coverage and liability coverage highlights, here are some of the coverage features you'll find useful to protect your commercial property.

Accounts receivable

Do you typically have tenants who owe you money from month to month on account or credit? Would you know who they are and how much they owe you if your records were damaged, lost or destroyed?

With Building Owner's Pak, you're covered for the amount owed to you, including collection expenses or interest charges incurred, even if you can't say exactly how much it is.

Artwork

If your building has a common area or lobby, you might have a painting, sculpture or other work of fine art on display. Protect your investment with Building Owner's Pak coverage, up to a limit of $10,000, even when it's in transit or temporarily away from your insured premises1.

Blanket building glass

Your Building Owner's Pak comes with Blanket Building Glass coverage to replace any and all interior or exterior glass or Vitrolite-like items2 (including lettering and ornamentation), as well as burglar alarm tape or foil that is damaged or broken. It also includes repairing or replacing the frames or cases enclosing it.

Mortgage guarantee

If you have a mortgage on your insured premises1 and it is completely destroyed, your current mortgage rate will be honoured with Building Owner’s Pak if your lending institution calls in the loan and increases your borrowing costs on a new mortgage.

This insurance will pay for the difference and resulting legal fees until the end of the original mortgage period or 60 months, whichever occurs first.

New acquisitions

Did you just add to your commercial building inventory or purchase new property as described in your core coverage? Don't worry, with Building Owner's Pak, these items are automatically covered for up to 60 days even if they're not listed on your policy cover page3.

Discuss adding your new possessions to your policy with your broker to continue coverage past 60 days. An additional premium may be required.

Plants, trees and shrubs

If your building has a green space or landscaping with plants, trees or shrubs growing within it, they're covered by your Building Owner's Pak provided they're damaged or destroyed by an insured peril4. Hail and windstorms are excluded.

Replacement cost

In most cases, your building and equipment are covered for the cost to replace them, not their actual value. Your equipment will even be replaced with modern equivalents without factoring in depreciation - meaning your 15 year old air conditioner will be replaced with a brand new, comparable model.

Have a green conscience? You can request energy-friendly replacements, too.

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Assets / Links

Business Owner's Pak eligible businesses
Energy-friendly replacements
SGI CANADA insurance brokers
Value Pak core property coverage
Value Pak insurance
Value Pak liability coverage

Footnotes

1. Your insured property or building as described in your policy. 
2. Vitrolite is a coloured, sometimes opaque, structural glass used in home and building construction. 
3. The summary of your policy coverage you receive from your insurance company or broker at time of purchase or renewal. 
4. Physical threats that could damage your insured premise, such as an impact with a land vehicle or aircraft, wind, hail, fire, lightning, explosion, smoke, vandalism or malicious act. See your policy wording for exact coverage.

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Contact Monarch Insurance Brokers for more information.

SGI Insurance - Auto Service Pak

You've built your business on peoples' obsession with their automobile - whether it's to take them to and from work or make them feel young again. You know eventually they'll need your services.

But whether you fill'em up, wash'em up or tune'em up, your business faces specific risks others don't. That's why SGI CANADA's AutoService Pak is comprehensive coverage in one package designed to protect your auto service business from damage to your buildings, its contents and loss of income.

Not sure if you qualify for AutoService Pak? Read about the eligible businesses or ask your broker.

Coverage features

In addition to the core property coverage and liability coverage highlights, here are some of the coverage features you'll find useful to your auto service business.

Building extension

Your business is unique. If you sell fuel, you'll have tanks (either above or below ground), pump islands and canopies, as well as other related property, like light fixtures, on your insured premises1. AutoService Pak extends coverage to all these items to protect your business from loss.

Business interruption due to third-party loss

If your business' activities are interrupted causing you an economic loss due to physical damage caused by an insured peril2 to the buildings, structures, machinery equipment or stock of a neighbouring business, with AutoService Pak you're covered.

This coverage includes damage by an insured peril to a supplier or recipient property that also causes an interruption to your business and subsequent economic loss.

Employee tools

If your employees have personal tools used to conduct business on the insured premises1, they're covered with AutoService Pak up to your chosen limit, providing the tools aren't already insured by the owner.

Fuel stock

AutoService Pak covers your business' stock of fuel at all locations listed on your policy cover page3 for their actual cost.

Replacement cost

In most cases, your buildings and equipment are covered for the cost to replace them, not their actual value. Your equipment will even be replaced with modern equivalents without factoring in depreciation - meaning your 15 year old air compressor will be replaced with a brand new, comparable model.

Have a green conscience? You can request energy-friendly replacements, too.

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Assets / Links

AutoService Pak eligible businesses
Eco-friendly replacement cost
SGI CANADA insurance brokers
Value Pak core property coverage
Value Pak liability coverage

Footnotes

1. Your insured property or building as described in your policy. 
2. Physical threats that could damage your insured premise, such as an impact with a land vehicle or aircraft, wind, hail, fire, lightning, explosion, smoke, vandalism or malicious act. See your policy wording for exact coverage. 
3. The summary of your policy coverage you receive from your insurance company or broker at time of purchase or renewal.

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Contact Monarch Insurance Brokers for more information.

RSA Insurance - Solar Power Insurance

Solar Insurance

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RSA created this package for Ontario-based small and medium enterprises that are taking part in the province’s MicroFIT program.

Target classes

This package is available only to Solar [SIC 4910J] class.

Eligibility

To be eligible for this package, the entrepreneur must:

• Enter into a contract with Ontario’s MicroFIT program
• Generate solar power
• Operate a maximum of 5 locations or installations
• Incorporate the solar farm as a separate legal entity

We can write the insurance policy as a stand alone package policy for clients who own the building or land to which the panels are installed, provided the operation inside the building is an eligible small- to medium-sized business, or the panels are ground-mounted and adequately separated from operations that are not eligible.

We can also write the insurance policy as an incidental exposure on a package policy to protect an attached business property.

Package highlights

This package includes:

Coverage

Limit

Building

Select limit

Commercial General Liability

Select limit per occurrence: $1,000,000 to $5,000,000

Solar Equipment

Select limit

Equipment Breakdown Insurance

$20,000,000

Extra Expense

$25,000

Medical Payments

$2,500/person

Professional Fees

$25,000

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Contact Monarch Insurance Brokers for more information.

RSA Insurance - Residential Condo Insurance

Residential Condo Insurance

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Our Residential Condominium (Condo) package provides coverage specifically designed for the unique needs of residential condominium and townhouse corporations.

Target classes

This package is designed for condominium corporations who need to insure:

Condominium buildings

Townhouse condominiums

Eligibility

This package is available to condo or townhouse corporations that meet the following criteria:

• The primary risk is building ownership
• The corporation has up to 10 locations
• The buildings are 15 storeys or less

Note that some restrictions apply regarding the rate and type of occupancy.

Package highlights

This package includes the same coverage as our standard Commercial Insurance package policy, but is enhanced with cover specific to this sector.

Coverage

Limit

Trustees Fees

$50,000

Growing Plants, Trees, Shrubs or Flowers

$500 each

Coverage Away from Premises

$2,500

Employers Liability

$1,000,000

Master Key

$25,000

Stated Amount

Included

The following optional coverages may be added to optimize protection: Flood, Earthquake and Umbrella Liability.

In addition, Directors & Officers Liability can be added to protect the condo corporation from financial harm if a director or officer fails to fulfill his or her duties with respect to the affairs of the corporation. 

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Contact Monarch Insurance Brokers for more information.

RSA Insurance - Realty Insurance

Realty Insurance

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Our Realty package is formulated to protect real estate–based businesses from the common risks encountered when owning or renting property, including loss of rental income due to property damage.

Target classes

This package is designed for owners or property managers of:

Office buildings

Vacant land

Industrial buildings with manufacturing or wholesaling tenants

Residential buildings, including apartments, condominiums and townhouses

Retail buildings, including strip plazas, enclosed malls and single retail outlets (big box stores)

Eligibility

To be eligible for this package, the business must meet the following criteria:

• The primary risk is building ownership
• The business has up to 10 locations
• The building is 15 storeys or less
• The building is up to 35 years old or, if older, has been updated in the last 20 years

Package highlights

This package provides the same coverage as our standard Commercial Insurance package policy, and is enhanced to include coverage specific to the realty sector.

Coverage

Limit

Gross Rentals

Actual loss sustained up to 12 months, maximum of $2,000,000

Master Key

$25,000

Newly Acquired Buildings & Contents

$1,000,000

Employee Benefits Errors and Omissions

$1,000,000

Tenants Legal Liability

$300,000 (any one premise)

The following optional coverages may be added to optimize protection: Sewer Back-up, Flood, Earthquake and Umbrella Liability.

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Contact Monarch Insurance Brokers for more information.

RSA Insurance - Micro/Start Up Business

Micro/Start Up Business

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We recognize the importance of start-ups and micro businesses to the economy, and we are aware of the unique challenges they face.

RSA has designed the Micro package to offer affordable basic insurance coverage specifically for new companies with few or no employees, limited assets and a small turnover.

Target classes

This package is designed to meet the needs of micro businesses in the following industries:

Automobile

Business and professional services

Contracting

Retail

Eligibility

This package is available to businesses that meet the following criteria:

• Have revenue up to $50,000
• Have a maximum of one location
• Choose a Property limit of up to $100,000
• Choose a Liability limit of $1,000,000 or $2,000,000

Package highlights

We have designed this package to meet the needs of this market specifically, with benefits and limits reflecting this. The package offers your clients unique underwriting considerations: no minimum premium is required; there are no pre-qualifying criteria; no inspections are required. However, optional coverages are not available, and limits are set on the package, with no option to buy-up. This package does not include building coverage.

Coverage

Limit

Contents (Stock and/or Equipment) 

$100,000 maximum (select limit)

Commercial General Liability

$1,000,000 or $2,000,000 per occurrence

Tenant’s Legal Liability

$100,000

Medical Payments

$2,500/person

Personal & Advertising Injury Liability

Commercial General Liability limit

Peak Season

Included

Accounts Receivable

$10,000

Computer Hardware

$10,000

Sign

$10,000

Valuable Papers

$10,000

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Contact Monarch Insurance Brokers for more information.

RSA - Manufacturing & Wholesale Insurance

Manufacturing & Wholesale Insurance

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Our Manufacturing & Wholesale package is designed to meet the needs of most types of businesses with low to medium risk exposures within this industry.

Target classes

This package is designed for businesses that manufacture and assemble low- to medium-hazard products, and for wholesalers who buy merchandise and sell to retailers, trade contractors and other wholesalers, in any of the following areas:

Electrical and electronic equipment

Food and drinks

Furniture

Housewares

Metal products

Paper products

Printed goods

Textiles and clothing

Wood products

Miscellaneous products (arts, crafts, hobby, religious and non-critical auto products)

Eligibility

To be eligible for this package, the business may have:

• Revenue of up to $5,000,000
• Up to 10 locations
• A maximum of 50% US sales (up to Hazard Category 3)

Package highlights

This package provides the same coverage as our standard Commercial Insurance package policy, and is enhanced with unique cover specific to manufacturing and wholesale businesses.

Coverage

Limit

Product Withdrawal Expense Extension

$25,000 aggregate

Hoist Collision Extension

$25,000 aggregate

(excludes contents of hoist)

Brands and Labels Extension

$25,000

Production Machine Inclusion

Included

Accounts Receivable

$50,000

Exhibition

$25,000

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Contact Monarch Insurance Brokers for more information.

RSA Insurance - Hospitality and Restaurants

Hospitality

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Our Hospitality package is formulated to provide the fullest protection to small and medium enterprises operating in the hospitality industries.

Target classes

The Hospitality package is suitable for a number of types of businesses operating in the hospitality and tourism industry. It is specifically designed for:

Caterers

Hotels and motels

Resorts

Restaurants*

Eligibility

To be eligible, the business must have:

• Revenue up to $5,000,000
• Up to 10 locations

Package highlights

This package includes the standard coverage included in our Commercial Insurance package policy, and is enhanced with these covers:

Coverage

Limit

Innkeepers’ Liability Extension

$25,000 ($1,000/guest)

Office Contents & Tenants Improvements

$25,000

Stated Amount

Included

Identity Theft Expense

$10,000

Stock Spoilage Including Off Premises Power Interruption

$10,000

Computer Protection Small Business

$50,000 ($1,000 deductible)

Computer Transit

$25,000

Computer Breakdown

$50,000 ($1,000 deductible)

Computer Extra Expense

$7,500

Computer Data

$7,500

Employee Benefits Errors & Omissions

$1,000,000

Employers Liability

$1,000,000

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RSA Insurance - Equipment Breakdown Insurance

Equipment Breakdown Insurance

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Every small and medium enterprise is in danger of having its work interrupted due to breakdown of critical operational equipment.

RSA’s Equipment Breakdown (Standalone) package provides enhanced protection for loss of income to get your client’s business operating again as quickly as possible.

Target classes

The Equipment Breakdown (Standalone) package is suitable for small and medium enterprises that do not need insurance for property or liability exposures. It is specifically designed for the following trades:

Automobile

Business and professional services

Contracting

Hospitality

Manufacturing

Realty

Retail

Wholesale

Eligibility

To be eligible, the following criteria must be met:

• The business’s operations are located in Canada
• The business has up to 20 locations
• The building and/or equipment at any one location is valued at up to $15 million

Package highlights

This package includes coverage for a number of situations and losses, including:

Coverage

Limit

Limit of Liability: Property Damage/Business Interruption/Extra Expense/Service Interruption

$20,000,000 per accident

Spoilage Damage

$25,000 (minimum $1,000 deductible)

Expediting Expenses

Included

Professional Fees

Included

Contingent Business Interruptions/Extra Expense

$100,000

Ammonia Contamination

$100,000

Hazardous Substances

$100,000

Mould

$50,000

Errors & Omissions

$100,000

Data & Media Coverage

$25,000

Water Damage

$100,000

This package also covers additional risks common to small- and medium-sized operations in each target class.

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Insurance Q&A Series - What is a Deductible?

An Insurance deductible is the portion of a claim the client is responsible for paying.

It can be expressed either as a specific amount for each claim or as a percentage such as 5%.

It can be important to remember that a deductible is only one potential deduction at the time of a claim and there are other deductions that may apply in different scenarios such as:

Co-Insurance Penalties, Depreciation (Actual Cash Value), Taxes (Usually for GST registered companies) among others.

Contact Monarch Insurance Brokers today for a free consultation on potential gaps in your current coverage and unexpected deductions from 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.

RSA Insurance - Construction & Contracting

Construction & Contracting

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Our Construction & Contractor (C&C) package is designed for individuals and companies operating a broad range of business types within in the construction industry.

Target classes

The Construction and Contractor (C&C) package is specially designed to meet the needs of low to moderate operations and completed operations exposures (residential and commercial contractors).

It is suitable for a wide variety of businesses, including:

Cable installers

Electrical contractors

Engineers

Interior decorators

Repair installation and services

Eligibility

To be eligible for this insurance, the business must have:

• Revenue up to $5,000,000

Package highlights

This package provides thorough coverage for Liability, Property, Business Income, Crime, Fidelity, Inland Marine and Equipment. Of particular note, it includes coverage for Tools (Miscellaneous Floater) and Non-Owned Automobile.

Coverage

Limit

Broad Form Property Damage

Included

Broad Form Completed Operation

Included

Contractors Errors and Omission

$25,000

Hoist Collision Extension

$25,000

(excludes damage to contents of hoist)

Rip & Tear Extension

$10,000

Contractors Equipment Floater (Replacement cost for items less than 3 years old)

$25,000

Installation Floater

$25,000

Loss of Use – Rental Reimbursement

$1,000/day; $10,000 aggregate

Additional coverages and increased limits may be added for an additional premium.

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Contact Monarch Insurance Brokers for more information.

RSA - Bed & Breakfast Insurance

Bed & Breakfast

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Our Bed & Breakfast package is specifically designed for small and medium enterprises where the business owner’s private residence is used to provide bed and breakfast (B&B) accommodation for travellers.

Target classes

This insurance package is specifically designed for entrepreneurs who own Bed & Breakfast Tourist Homes [SIC 7054 class only].

Eligibility

To be eligible for this package, the business must meet these criteria:

• It includes a maximum of 8 rooms
• If it serves liquor, the business is licensed, and liquor sales comprise a maximum of 25% of total operational sales
• The building is less than 35 years old; if older, it has been updated in the last 20 years
• Offering B&B accommodation is the primary business activity

Inns, Motels and Hotels are not eligible for this package.

Package highlights

This package includes the standard coverage included in our Commercial Insurance package policy, with numerous enhancements specifically for this industry, including: B&B Personal Liability Extension, B&B Replacement Cost (excluding Stock) Extension and B&B Building & Contents (Broad form) Amendment. It also includes:

Coverage

Limit

B&B Voluntary Payment for Damage to Property Expense Extension

$1,000

Innkeepers’ Liability Extension

$1,000/guest, up to $25,000 per occurrence

B&B Additional Buildings Extension

10% of building limit

B&B Additional Living Expenses Extension

$25,000

Coin Collection

$1,000

Manuscripts and Stamp Collections

$2,000

Personal Watercraft and Accessories

$3,000

Garden Tractors and Accessories

$10,000

Land and Water Pollution Clean-up

$25,000

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Intact's My Fleet Solution

Benefits

Monitoring your fleet activity

With these solutions, you’ll have access to important metrics available on an online insurance dashboard that is personalized for you. It will help you drive improvements and efficiencies for your fleet operations.

Contribute to improved customer service levels

As the owner of a fleet of vehicles, you will know where your vehicles are located at all times. You can provide faster response times to your customers’ requests.

Reduce speeding

By decreasing speeding by 10 km/h over 100 km/h, you could increase fuel economy by 10%.

Great insurance benefits for both new and existing customers

my Fleet Solution may help contribute to long-term, stable insurance costs. Plus, through my Fleet Solution, we can work with you to improve the safety of your fleet with our loss prevention services.

Monitor maintenance schedule and life of your fleet

Check tire pressure regularly - keeping tires properly inflated can improve fuel efficiency by as much as 19%.

Tire tread wear almost doubles at speeds over 97 km/h. This contributes to an extra $1,000 per year per vehicle on tire maintenance alone.

Help to reduce idling and improve fuel economy

For illustrative purposes: if your commercial fleet could reduce their idling by three hours a day, savings may be an extra $20 a day or up to $7,300 per year in fuel.

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Intact Insurance Cares About Your Commercial Auto

Commercial Auto

Commercial auto insurance is designed for businesses that rely on their wheels. Protect your commercial vehicles with coverage from Intact Insurance.

Your broker can provide you with more detail about the commercial auto coverage that suits your business needs.

With a network of more than 6,000 broker offices across Canada, we’ll help you find a trusted advisor who understands your needs, so you’ll always get the right advice for your business.

Control, reduce and prevent your risks

Find trouble before it finds your business. We help business owners identify and prevent potential losses. See how

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Intact Insurance Cares About Your Fleet

Commercial Fleet

If your business owns or leases multiple company vehicles, it may be more efficient to insure them under one fleet policy with one common renewal date.

Talk to your broker about fleet coverage that meets your business needs. With a network of more than 6,000 broker offices across Canada , we’ll help you find a trusted advisor who understands your needs, so you’ll always get the right advice for your business.

Control, reduce and prevent your risks

Find trouble before it finds your business. We help business owners identify and prevent potential losses. See how

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Northbridge Insurance - US and Long Haul Operations

Companies in the transportation and logistics industries represent 60% of our trade with the US and contribute $17 billion to our national gross domestic product (GDP). Playing a key role in the economy means you need an insurance partner who really understands your business.

Our broad solutions are designed to cover:

• Owned or leased tractor trailers
• Truck transportation operations
• Marine cargo
• Motor truck cargo
• Warehousing and storage facilities
• Transportation terminals
• Customer property in storage
• Specialized machinery and equipment

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Why Your Cargo Insurance Should be With SGI Canada

With Cargo Secure, SGI CANADA decided to rethink cargo insurance. Most cargo insurance policies were created decades ago and haven't kept up with the changing needs of the trucking industry. Today, you can look after your business and your customer's interests without the restrictive fine print and insufficient coverage limits of days past.

Cargo Secure is focused on providing your trucking business with broad coverage. Unlike many other insurance products that only provide the minimum coverage required by law, Cargo Secure provides protection for the actual cash value of the load you are carrying.  This means in the event of a claim, the settlement is not limited to the standard $2 per pound.

How is Cargo Secure different?

SGI CANADA’s Cargo Secure is specifically designed to protect you and your customer with innovative, value-added features and coverage options. Here’s how:

Protecting your business

Broad coverage - This means covering as much as possible from the get go.

Fewer exclusions - We really are reducing the fine print.

Flexible deductibles - You decide how much a claim will cost you.

Experienced advisor - Your independent insurance broker provides friendly, professional and expert advise.

Protecting your customer

Efficient claims - Time is money. Cargo Secures provides fast, fair and efficient claim service.

Financially secure - No matter how big the claim, we have the financial stability to honour our obligations.

Qualified claim adjusters - Adjusters with years of experience are at the ready to treat you and your customer right.

Cargo Secure is the right insurance. It delivers peace of mind on time, every time.

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RSA Insurance - Contractors Package

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Segment: Contracting

Contractors made up almost 25% of RSA’s new business in 2016 and we are writing a broad range of customers, especially in the following sub-trades:

Carpenters

Electrical Contractors

Heating and Air Conditioning Installers

Flooring Contractors

Painters and Decorators

Given the specialized needs of the contracting customer, RSA offers a Construction & Contractor (C&C) package designed to meet the specific needs of these clients. This package is designed for low to moderate operations and completed operations exposures.

A Contracting Success Story!

After being awarded a new contract, a contractor learned that their current carrier could not provide coverage for the operations. Read how RSA responded, here.

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Commercial Clients - Intact Insurance Wants to Help Clear Your Roof

Introducing: Roof Snow Removal Program for Commercial and
Farm Customers

At Intact Insurance, we consider prevention an important part of what we do and we want to help customers protect their businesses from roof collapses. Today we are introducing the Roof Snow Removal program for commercial and farm customers.

Emerging weather patterns have taken a toll on Canadians; with periods of snowfall followed by warmer weather, snow and ice are thawing and refreezing into denser and weightier snow drifts. Over the past few years, we've noticed a rise in the number of roof collapses across Canada due to this heavier snow and ice accumulation. For full details about how the program works, please click here. 

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