Add Vehicle

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Can I drive a new/used car home off the lot.

If you are already insured, proof of your current insurance should suffice since most policies will cover your new car for a limited time. If you're not certain your existing policy will cover your new car, {module_contentholder name="ask-clover"} or check your policy. If you are not covered, you will need to purchase new coverage. The dealership will provide your new vehicle's information to your insurer and you can complete your purchase before you drive away.

How much time do I have to add a new car to my existing car insurance policy? 

This varies on the insurance provider/policy - {module_contentholder name="ask-clover"} to confirm your situation.

If you have any other questions.. {module_contentholder name="ask-clover"}
 

Change of address

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Important : Insurance Policy

Failing to update your address after moving may result in a breach of your insurance contract.

That could lead to a cancellation of the insurance policy or the denial of a claim.

Please make sure you send us your new address information immediately before or immediately after a move.

If you have any questions please {module_contentholder name="ask-clover"}.

Administration Bonds Over $100,000

Administration and Executor Bonds exceeding $100,000 and for Administration with Will Annexed and Foreign Executor Bonds

Long Form Application Administration Bond Single Applicant : See below

If more than one applicant please contact our office.

REQUIREMENTS

True copy of the assets and liabilities of deceased's estate.

For an Administration with Will Annexed Bond, a copy of the deceased's last will and testament.

For Foreign Executor Bonds where the applicant is not a resident of Canada, the estate must be handled by an estate solicitor licensed in Canada.  

Letter of Acknowledgement

Administration Bonds Up to $100,000

Administration/Executor Bonds (but not Committee, Guardianship or Foreign Executor Bonds) $100,000

Administrator's and Executor's Bond Application

This is completed by the estate solicitor and all boxed questions must be answered "NO". The applicant must be a resident of Canada. 

Letter of Acknowledgement

Cancellation and Discharge Procedures for Fiduciary Bonds

Cancellation and Discharge Procedures for Fiduciary Bonds

For all Fiduciary Bonds up to $100,000,
we will require one of the following:

1.Return of the original sealed bond.

2.Official and unconditional release and discharge from the court.

3.Confirmation from the executor or guardian in writing of date the estate was finalized, minor reached the age of majority or incompetent passed away.

For all Foreign Executor/Committee/Guardianship Bonds exceeding $100,000,
we will require: 

1.Return of the original sealed bond, or

2.Official and unconditional release and discharge from the court.

For Administration and Administration with Will Annexed Bonds from $100,000 to $200,000,
we will require one of the following: 

1.Return of the original sealed bond

2.Official and unconditional release and discharge from the court.

3.Release from heirs form.

For Administration and Administration with Will Annexed Bonds from $200,000 to $300,000,
we will require one of the following: 

1.Return of the original sealed bond

2.Official and unconditional release and discharge from the court.

3.Release by the solicitor/lawyer form.

For Administration and Administration with Will Annexed Bonds in excess of $300,000,
we will require one of the following: 

1.Return of the original sealed bond, or

2.Official and unconditional release and discharge from the court.

(Please note that due to the higher bond penalties, we can only accept 1 or 2 above.)

CLOVER SENTRY - INSURANCE NEWS, TIPS AND INFORMATION

Clover Sentry - August 2015 (Rental Insurance OPCF-27)

INSURANCE INFORMATION ARTICLES

Home Business Can't Shelter Under House Coverage

INSURANCE WHITE PAPERS

Cyber Insurance Comparison Chart

Commercial Auto Insurance / Auto Fleet

Many personal automobile insurance policies will not cover liability or property losses that occur when a vehicle is used for business purposes. If you are looking for comprehensive coverage for you and/or your drivers while 'on the job', talk to our experts about your needs. {module_contentholder name="ask-clover"}

What is covered under commercial auto insurance?

Commercial auto insurance covers any vehicles such as cars, trucks, vans and commercial use trailers.
Some of the most common items to conside

• damage or loss of your business vehicles
• damage you or your drivers cause to vehicles or property owned by others
• injury or death of drivers
  

Need more..? {module_contentholder name="ask-clover"} about what else you require and also what else you should consider depending on your particular business and business needs.
 

Fleet insurance for five or more vehicles

If you have five or more commercial vehicles, insuring your vehicles under one fleet insurance policy can be less expensive than insuring each one individually. Fleet insurance provides the same coverage and offers some added flexibility in that company employees can drive any vehicle in the fleet, as long as each employee is licensed.

AUTO INSURANCE 

All Optional Items and Discounts Vary by Carrier.Please contact our office to see if you qualify for these items.

What is Automobile insurance, what does it cover and what options do I have?

Automobile Insurance is a contract between you and an insurance company, which protects you against financial loss if you have an automobile accident.

In Ontario, the law requires that motorists must have automobile insurance - driving without valid automobile insurance can result in your license being suspended, your vehicle being impounded, and a fine or criminal charges.

What are the coverages of Automobile Insurance?

• Mandatory Liability
• Statutory Accident Benefits
• Optional
• Physical Damage to the Vehicle
• Rental Coverage
• Vandalism
• Theft by Household Members or Employees
• Third Party Liability for Out of Town Car Rentals (Canada and Continental USA) which should go hand in hand with physical damage to rental vehicles
• Increased Accident Benefits (See Our Schedule of Options to Purchase under Resources Tab)
• Damage Waiver Protection (Vehicles Under 24 Months Old Excluding DemonstrationVehicles)
• Accident Forgiveness
• Minor Conviction Protection
• Disappearing Deductible

What Do I do when I have a claim or potential claim?

1. Take as much information and pictures at the scene as possible
2. Never admit fault
3. Call your broker every situation is different

How will a claim affect my insurance?

• Do not worry about this.A vehicle and property we can fix.Lives and permanent injuries we cannot.

Will the insurance company replace my car?

• Insurance companies have the option to replace, repair or pay for the vehicle (Cash Settlement) subjectpolicy terms and conditions

What happens if I take a cash payout?

• You are responsible for replacing your property without insurance company warranties

What do I do if I get in an accident and get a notice of suit?

• Contact your broker immediately

What do I do if I get hurt in a car accident?

• See your doctor for an assessment/Go to a hospital
• Call your broker immediately

Will the insurance companies pay for my injuries from a car accident?

• Subject to policy terms and conditions they will work to get you back to your normal life as soon as possible

Beautician and Spa {module_contentholder name="contact"}

Insurance for small and large operations dedicated to image

Acupuncture
Airbrush Tanning
Body Piercing
Body Wrap
Botox / Dysport
Cellulite Reduction
Colleagen Injections
Colour consultation
Costmetic Massage
Dermal Abrasion Treatment
Dietitians and Wellness Analysis
Electrolysis
Eyebrow shaping and tinting
Eyelash Extension
Facials & Peels
Facials and Peels
Hair Removal
Hair Salon
Health and Wellness Retreats
Hydro Massage
Laser Assisted Lipolysis
Laser Hair Removal
Laser Professional (Acne, Rosacea, veins)
Laser Tattoo Removal
Laser Treatments for Weight Reduction
Lasers, IPLs, and LEDs
LED/Microcurrent, IPL
Make Up
Manicures
Massage therapy
Micro-Current toning
Microdermabrasion
Nail Salon
Pedicures
Tattoo Parlour
Registered Massage Therapist - RMT
Restylane Injections
Sauna Salons
Spa Operations
Tanning Salons
Teeth Whitening
Weight Loss
Yoga Studios

Our agents work to cover your specific and individual needs. If you have questions{module_contentholder name="ask-clover"}

Bid Bonds (Tender Bonds)

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Guarantee your low bids win with integrity

As a contractor, you understand how difficult it can be to win a bid for a project development. Setting your bid low is always helpful, but you should also consider filing a tender bond. In fact, some project developers will actually make this a requirement before placing a bid. Below, you will learn all about our bid bonds also known as tender bonds and why you will want to incorporate them into your upcoming project.

A bid bond is a bond where the contractor i.e. the principal guarantees the obligee i.e. the owner, that the principal will honor the bid and sign the contract, if bid is awarded. In default of the bid the owner may sue both the obligator i.e. the principal and the surety.

This bond guarantees that the bidder will carry on the contract at the bid price if bid is awarded. If the bidder is allowed to take away the bid before granted, no action may be taken against the bidder or bid security.

The bid bond generally indemnifies the faithful performance with regards to the bid. Bid Bonds guarantee the sincerity of the bidders.

Who are bid bonds for?

• Developers
• General Contractors
• Subcontractors
• Road Contractors
• Sewer and Water main Contractors
• Other Heavy Civil Contractors
• Service Contractors (Waste Removal, Janitorial Firms, etc.)
• Specialty Contractors
• Manufacturers

If you have any questions {module_contentholder name="ask-clover"}.

What information you should have to Get Started

• Quantity of your bid
• Date of your bid
• Your bond history
• Company History
• Personal Current Credit Score

You may also be required to submit your financial credentials when applying for your bid bond.

Bid Bonds if not already required, will give you an advantage over other bidders.

The construction and development world is extremely competitive. Which makes bid bonds so important for a winning bidder. This agreement or contract will protect the developer from having the project pulled out from under them, after they have won the bid.

Why developers should require bid bonds.

Simply put, projects cost a lot of money. Wasted time is not an option. Contractors who come to the table with bid bonds show they are able to get the job done. And should there be a question, the bond company or surety will guarantee that the bidding developer will be able to complete the project per the agreement.

Complete the ONLINE FORM or if you have questions {module_contentholder name="ask-clover"}.

Boat insurance

Boat insurance is coverage for motorized watercraft in the event of loss or damage to

your boat – these include pontoons, fishing boats, leisure crafts and yachts.

Boiler and Machinery Insurance

Equipment Breakdown Insurance

Why do I need equipment breakdown insurance?

Equipment Breakdown insurance provides coverage for the accidental breakdown of equipment. This type of coverage is different from property or insurance for businesses.

Your property coverage would cover property damage in the event of a fire. But what covers your production equipment?  
The answer is "Boiler and Machinery" or "Equipment Breakdown Insurance".

Call Clover and speak to an agent who will go over your business and options.

“Property/casualty policies only cover damages to your equipment from “external” causes, such as a fire, a flood, hail, windstorm, and earthquake. Property/casualty policies do not cover damage from “internal” causes such as mechanical failure of the equipment, electrical short circuit, motor burnout, centrifugal force, a boiler overheating or cracking, and mechanical breakdown. Coverage for these types of losses requires a “Boiler and Machinery” insurance policy.”

Why do I need machinery breakdown insurance?

Equipment Breakdown insurance is a critical component of all small business insurance packages.

Breakdown coverage not only provides protection for electrical system failures, but it also provides coverage for air conditioning and refrigeration systems, telecommunications, mechanical equipment, security and fire detection systems, diagnostic equipment, inventory control systems, computer system, fired hot water heaters and boilers.

The cost of a breakdown in today's world can be even more expensive than ever. Business and speed of business means every minute you are down can cost you dearly.  Online delivery systems, on-site computer systems, even mobile equipment being stolen or damaged. Being covered would mean getting it fixed, replaced and repaired FAST.

Review all your risk exposures carefully and consult your Clover insurance broker to determine if optional insurance protection is available to meet these needs.

Does equipment breakdown insurance cover me if my software gets a virus?

No. Damage or downtime from virus is NOT coverd. But you can speak to your broker about Cyber Insurance.
Equipment or mechanical breakdown insurance policies are for “hardware” insurance, and is not “software” insurance. That means that if your production equipment or computers suffer some sort of physical damage, equipment breakdown insurance will cover that.

Can I buy coverage for loss of income due to production or other equipment failure?

Yes. However, this is not usually covered under an “equipment breakdown” policy. Protection against loss of income due to equipment breakdown requires coverage called “business interruption” or “service interruption.”

Similarly, there is perishable goods coverage (consequential loss) to protect the value of foodstuffs or other materials that spoil as a consequence of a breakdown.

What about warranties? Why do I need equipment breakdown insurance?

Although warranties and service contracts provide some protection, they do not cover many of the common causes of equipment breakdowns. For example, typical maintenance contracts cover routine service such as periodic calibrations and other adjustments, and possibly cleaning, etc. However, such contracts do not pay for damages due to operator error, for example. Your equipment breakdown policy does cover such losses. Likewise, warranties and maintenance contracts do not pay for loss of income that results from equipment breakdown; nor do they pay for spoilage, damage to surrounding property or extra expenses to restore operations. Buying equipment breakdown insurance is critical as it covers all of these risks.

I don’t own the building, so why do I still need equipment breakdown coverage?

As a tenant you may not be responsible for the building’s electrical, air conditioning or heating systems, but it is important to check your lease to be sure you are not responsible for the equipment that services your premises. If you are not responsible for these systems, your business operations and income are still dependent upon equipment of others. If the electrical, heating or cooling system of your landlord broke down, the interruption of those services can impact you. So, getting the right equipment breakdown coverage is essential to protect you even in contingencies like this.

Okay, so how much boiler & machinery insurance should I buy?

Each business is unique and so your equipment breakdown insurance should be tailored to your precise needs. For example, if the destructive potential of some of your equipment is low, (contrast this with equipment such as boilers, pressure vessels and some water heaters, which can produce enough power to damage huge sections of the building), then less coverage would be needed.

Talk to a Clover Broker today. 

• Assess the risk potential for equipment breakdown
• Determine the precise insurance coverage you need for your business

BOND-REQUEST

ASK US

Our team is here to ensure the success and security of your business. Clover Insurance Brokers trusted team has knowledge and experience giving advice to our clients. Working with hundreds of contractors and developers on a variety of projects.

JUST SOME OF THE BUSINESS USING OUR BOND SERVICES.

General contractors
Cement and Forming
Heavy equipment
Bridge and Roadwork
Sewer, Drainage and Pipe fitting
Drywall
Electrical
Masonry
Mechanical
Terrazzo contractors
Construction suppliers
Demolition work
Insulation
Janitorial
Painting
Landscaping
Environmental
Manufacturers
Cabinet Makers

And Don't forget if you have a question, Ask Clover.

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BUILDER'S RISK

• All Risks of Physical Loss or Damage
  
• Blanket By-laws and Coverage Basis
  
• Debris Removal
  
• 30 Days Cancellation Clause (Except Where Statutory Conditions Apply)
  
• Permission to Occupy
  
• Severability of Interest Clause
  
• One Deductible per Occurrence
  
• Replacement Cost Basis (Including Basements)
  
• Standard Policy Exclusions Apply
  
• Subject to Builders Risk Warranties (See Attached)
  
• Transit Coverage $25,000 Sub-Limit
  
• Off Site Location $25,000 Sub-Limit

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Change of Use

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Why tell us about the way you use your vehicle?

If you suddenly start using your car for business but have previously only used for social or commuting use, we'll need to know about it. Some insurance will not cover alternate use such as certain business occupations without first modifying your policy.

We do provide Company Car insurance and vehicle insurance for a number of other situations. Making sure you are correctly covered will save you money down the road. 

Alternately if you are no longer using your car for business, you may be eligible for lower rates. Why not save money?

Complete the form to let us know about your changes. If you have questions you can {module_contentholder name="ask-clover"}.

COMMERCIAL LINES

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COMMERCIAL SURETY

Clover Insurance Brokers offers the range of commercial surety our clients need to meet their licensing, regulatory and financial security requirements. Whatever your surety needs, we can help.

License and Permit Bonds

Governments often regulate businesses and activities where misrepresentation, incompetence or fraudulent dealings could create some risk to the public. License and permit bonds guarantee that a business or individual will comply with a statute, by-law or regulation.

Lost Document Bonds

When a valuable document such as a stock or investment certificate, bond or certified cheque is lost, stolen or destroyed, the Issuer usually requires a Lost Document Bond before providing a replacement document. This bond guarantees that the Issuer or transfer agent will be reimbursed by the document's owner if the original is cashed or presented for payment.

Administration, Property Guardianship Bonds

Fiduciary Bonds, which comply with probate and bankruptcy requirements, are required by the courts or the public guardian. These bonds ensure the performance of those appointed to manage the assets of an estate, or to distribute the assets to rightful creditors and/or beneficiaries as required by law or a will.

Administration bonds, which include Administrator/Executor Bonds, Administration with Will Annexed Bonds and Foreign Executor Bonds, guarantee the faithful performance of the administrator or executor's duties under an estate and the faithful accounting for the property entrusted to their care.

Customs and Excise Bonds

Customs and Excise Bonds are required by the Canada Customs and Revenue Agency (CCRA) and guarantee the payment of any duties or taxes, as prescribed by various Acts or Regulations. Customs Bonds allow for the immediate release of imported goods prior to final determination and/or payment of required tariffs, duties and taxes.

Excise Bonds allow businesses to use or ship goods prior to the payment of applicable excise taxes.

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What is a Guardianship Bond?

A Guardianship Bond is a type of surety bond that ensures an individual who has been appointed in a court of law will perform and fulfill his or her obligations and duties faithfully and ethically. Generally, guardians are appointed for minors or people who can no longer care for themselves anymore, such as a disabled or elderly person.

What do Guardianship Bonds do?

Guardianship Bonds work similar to insurance. But instead of protecting you, they protect the person you are caring for. They protect against losses or damages should you behave improperly or unethically. This means if you steal money from a minor’s trust that you are caring for, a claim can be made against your bond and the minor won’t suffer any loss.

These bonds guarantee you will not abuse or neglect the person you are caring for. And if you do, the minor or incapacitated individual is protected by the bond.

Who needs a Guardianship Bond?

You will most likely need a Guardianship Bond if you are caring for a minor or someone who is unable to care for themselves, such as a disabled or elderly person.

Condo Unit Owner

Condo Unit Owner Insurance is coverage for personal property, which is not covered under the condo corporation’s insurance policy. That typically just covers the outside of the actual building and not the contents of unit and not liability.  For example, if there is a fire in your unit where smoke and water causes damages to neighboring units, you as the Condo Unit Owners will be liable.

Why and what do I need insurance on a condo unit?

• You are responsible for half the walls, floor and ceiling. Your neighbour is responsible for their half of the walls. The common elements and wiring shafts are owned by the condominium corporation.
• You require Contingent Condominium coverage (Property) for the shortfall of the Condominium corporation in the event they do not purchase adequate coverage.
• Loss Assessment (Liability) will cover the shortfall in excess of the Condominium corporations' liability limits.
• Contents coverage for the interior of the unit which you own. Including Your Personal Items.
• Tenant's Improvements for things that you have changed within your unit e.g. flooring, carpet etc. Which could also be known as contents and liability.
• The cost for a condominium package is similar to that of a tenant's package however they have thrown in the above specialized coverages at basic limits because they are necessary.

Why does my mortgage broker say I only need Contents Coverage for my condo?

• Your mortgage broker is not your insurance broker, contact your insurance broker for the right advice

{module_contentholder name="ask-clover"}

CONTRACT-SURETY

ASK US

Our team is here to ensure the success and security of your business. Clover Insurance Brokers trusted team has knowledge and experience giving advice to our clients. Working with hundreds of contractors and developers on a variety of projects.

JUST SOME OF THE BUSINESS USING OUR BOND SERVICES.

General contractors
Cement and Forming
Heavy equipment
Bridge and Roadwork
Sewer, Drainage and Pipe fitting
Drywall
Electrical
Masonry
Mechanical
Terrazzo contractors
Construction suppliers
Demolition work
Insulation
Janitorial
Painting
Landscaping
Environmental
Manufacturers
Cabinet Makers

And Don't forget if you have a question, Ask Clover.

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Contractor Blasting

Contractors

Contractor's Liability Insurance is insurance that protects a contractor from defined

liability claims arising from our contractor's operations.

Construction Insurance

Construction Insurance 
is insurance coverage specifically tailored to meet the needs of

General Contractors and Sub Trades. Wordings usually include coverage for General

Liability, physical loss damage to owned property and business interruption (loss of

income).

Contractor Pollution

Contractors

Contractor's Liability Insurance is insurance that protects a contractor from defined

liability claims arising from our contractor's operations.

Construction Insurance

Construction Insurance 
is insurance coverage specifically tailored to meet the needs of

General Contractors and Sub Trades. Wordings usually include coverage for General

Liability, physical loss damage to owned property and business interruption (loss of

income).

Contractor Property

Contractors

Contractor's Liability Insurance is insurance that protects a contractor from defined

liability claims arising from our contractor's operations.

Construction Insurance

Construction Insurance 
is insurance coverage specifically tailored to meet the needs of

General Contractors and Sub Trades. Wordings usually include coverage for General

Liability, physical loss damage to owned property and business interruption (loss of

income).

CONTRACTORS

• Commercial
  
• Property
  
• Fleet
  
• Errors & Omissions
  
• Directs and Officers
  
• Fired & Unfired Pressure Vessel
  
• Contractor’s Equipment
  
• Cargo
  
• Business Interruption
  
• Crime
  
• Environmental
  
• Umbrella
  
• Kidnap and Ransom
  
• Credit
  
• Builder’s Risk
  
• Wrap Up
  
• Bonds

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Contractor Paving

Contractors

Contractor's Liability Insurance is insurance that protects a contractor from defined

liability claims arising from our contractor's operations.

Construction Insurance

Construction Insurance 
is insurance coverage specifically tailored to meet the needs of

General Contractors and Sub Trades. Wordings usually include coverage for General

Liability, physical loss damage to owned property and business interruption (loss of

income).

Contractor Welding Insurance

We make sure you are covered. Contractor's Liability Insurance is insurance that protects a contractor from defined liability claims arising from our contractor's operations and can include options for equipment, tools, shop locations, mobile,  automobile and more..
Our experienced brokers can help you with protecting your business. 

{module_contentholder name="ask-clover"}

Online Certificate form and quick turnaround.

Construction Insurance

Construction Insurance is insurance coverage specifically tailored to meet the needs of General Contractors and Sub Trades. Wordings usually include coverage for General Liability, physical loss damage to owned property and business interruption (loss of income).

Customs & Excise Bonds

Required Information to complete form:

Commercial Surety Short Form Application.
(If bond amount does not exceed $25,000 and the required bond is stipulated on the application.)

Long Form Commercial Surety Bond Application (Form E).
For use with all bonds not qualifying under the Short Form Application.

In addition to the following:

• Corporate financial statement (if applicant is a business)
• Personal financial statement (if applicant is an individual)

Canada Customs bonds You may need a Canada Customs bond if you or your business needs to provide financial security to the Canada Border Service Agency (CBSA) or Canada Revenue Agency (CRA) before you import, export or move commercial goods through Canada. This bond ensures that you meet the requirements of the act or regulation governing the customs activity you are carrying out. Excise bonds You’ll need an excise bond if you or your business requires a spirits or tobacco license. Alternatively, you may have a need to replace your existing security with a bond."

Customs and excise bonds are for the benefit of federal and provincial governments and guarantee that either taxes or duties or both will be paid by the principal when invoiced by the government. These bonds also ensure that companies comply with all legal and tax acts and requirements related to their business.

Businesses involved in import, export, manufacturing, sales or distribution of goods in Canada may require a customs and excise bond.

Customs bonds are required by the federal government and guarantee payment of various duties, tariffs and taxes. Common customs bonds are:

• Bonded Carrier Operations
• Customs Bonded Warehouse Bond
• Customs Brokers License Bond
• Customs Sufferance Warehouse
• Duty Free Shops
• Non-Resident GST Bond
• Release of Goods Bond
• Temporary Importation

Customs Bonds allow for the immediate release of imported goods prior to final determination and/or payment of required tariffs, duties and taxes.

Excise bonds are required by federal and provincial governments and guarantee payment of excise taxes and compliance with federal and provincial tax acts and regulations. Common excise tax bonds are:

• Fuel Tax Bond
• General Excise Bond
• Non-Resident GST
• Sales Tax
• Tobacco Bond

Excise Bonds allow businesses to use or ship goods prior to the payment of applicable excise taxes.

Customs & Excise Bonds

Required Information to complete form:

Commercial Surety Short Form Application.
(If bond amount does not exceed $25,000 and the required bond is stipulated on the application.)

Long Form Commercial Surety Bond Application (Form E).
For use with all bonds not qualifying under the Short Form Application.

In addition to the following:

• Corporate financial statement (if applicant is a business)
• Personal financial statement (if applicant is an individual)

Canada Customs bonds You may need a Canada Customs bond if you or your business needs to provide financial security to the Canada Border Service Agency (CBSA) or Canada Revenue Agency (CRA) before you import, export or move commercial goods through Canada. This bond ensures that you meet the requirements of the act or regulation governing the customs activity you are carrying out. Excise bonds You’ll need an excise bond if you or your business requires a spirits or tobacco license. Alternatively, you may have a need to replace your existing security with a bond."

Customs and excise bonds are for the benefit of federal and provincial governments and guarantee that either taxes or duties or both will be paid by the principal when invoiced by the government. These bonds also ensure that companies comply with all legal and tax acts and requirements related to their business.

Businesses involved in import, export, manufacturing, sales or distribution of goods in Canada may require a customs and excise bond.

Customs bonds are required by the federal government and guarantee payment of various duties, tariffs and taxes. Common customs bonds are:

• Bonded Carrier Operations
• Customs Bonded Warehouse Bond
• Customs Brokers License Bond
• Customs Sufferance Warehouse
• Duty Free Shops
• Non-Resident GST Bond
• Release of Goods Bond
• Temporary Importation

Customs Bonds allow for the immediate release of imported goods prior to final determination and/or payment of required tariffs, duties and taxes.

Excise bonds are required by federal and provincial governments and guarantee payment of excise taxes and compliance with federal and provincial tax acts and regulations. Common excise tax bonds are:

• Fuel Tax Bond
• General Excise Bond
• Non-Resident GST
• Sales Tax
• Tobacco Bond

Excise Bonds allow businesses to use or ship goods prior to the payment of applicable excise taxes.

CyberRisk

One system hack can shut down a business. One policy can protect it.

There is a lot at stake in how your customers manage their data. One stolen laptop or one resourceful hacker can cause a data breach with enormous consequences.    For example, did you know the average cost of a data breach in 2010 was $2.7 million?*

Since 2008, more than 500 million data records from U.S. businesses of all types and sizes have been compromised, including those containing customers’    private information and companies’ financials.**

The number of data breaches was up 29% in 2010, with over 350 breaches voluntarily reported across Canada in 2010, according to the Privacy Commissioner    of Canada.

Every system upgrade, every remote device, every incoming e-mail can mean a new risk to your customers’ data and even electronic theft of their funds.    And the risks are not only financial, they can also negatively impact your customer’s reputation.

One coverage solution for all your customer’s cyber exposures/h4> Your customers need contemporary coverage that can take on the full range of risks    to their data and systems. That is exactly what CyberRisk was built for. It has the essential features your customers need for today’s and tomorrow’s    technology exposures.

   
•        One stop shopping – CyberRisk boasts ten insuring agreements, which together deliver a truly comprehensive coverage solution.            Patching coverage together with multiple insurers or traditional policies is now a thing of the past.    
   
•        Flexible and scalable – Coverage can be customized to the needs of your customers. And smaller businesses can enjoy the same type            of coverage available to larger businesses.    
   
•        We know cyber – We have been writing technology related coverages for over 25 years. We are also a leading writer of related specialty            crime coverages. We know what it takes to craft the right program for your customers.    

Why ten insuring agreements?

Because the ripple effect can be staggering!

It is true. When your customer’s system, data or electronic bank accounts are compromised, the fallout can be far-reaching. See the other side of this    sheet to read about potential claim scenarios arising from a breach and how the CyberRisk policy’s ten insuring agreements would respond.

CyberRisk

The comprehensive choice for all your Cyber insurance needs.

*Source: Ponemon Institute 2010 Annual Study: ‘U.S. Cost of a data Breach, March 2010’

**Source: Verizon 2011 Data Breach Investigations Report.

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Why your customers need our protection.

In today’s data-driven world where sensitive information is stored and transferred electronically, organizations of all sizes are vulnerable to costly    and damaging liabilities from data security breaches that are occurring at alarming and growing rates.Whether your customer’s data is compromised by    a hacker, virus, cyber thief, or simply because of lost or stolen computers, laptops, flash drives or smart phones, the breaches can have serious ramifications.    There are substantial financial costs involved in finding and remedying a breach, including the cost of notifying customers – now legally mandated    in 47 states – possible fines and legal expenses. Breach notification is also legally mandated in the province of Alberta, and with respect to personal    health information in the provinces of Alberta, Ontario, New Brunswick and Newfoundland and Labrador. The company can also suffer immense damage to    its reputation and from the interruption to business.CyberRisk coverage from Clover delivers a truly comprehensive coverage solution in a single policy.    The following checklist illustrates key coverages and features every customer should have as part of its insurance program to protect against data    breaches and related technology exposures:    
   

CyberRisk Coverage Checklist

CyberRisk Coverage Highlights

DIRECTORS & OFFICERS LIABILITY INSURANCE

Many private companies assume their directors and officers do not risk liability exposure because there are no public shareholders. This is a flawed and potentially expensive assumption.

In fact, private companies share most of the same risks as public ones. Their directors and officers may be sued by governments, employees, customers, suppliers and partners, and for issues arising out of mergers and acquisitions. A director and officer of any company faces tremendous potential exposure.

That’s where directors and officers insurance comes in. A business buys this coverage to protect these key people from allegations and liability arising from wrongful acts or alleged wrongful acts.

What is Covered?

The most typical claim is in the area of statutory liability. For example, in Canada, directors can be held personally liable for unpaid wages and vacation pay, and for withholding taxes that become payable while they are in office. Liability is imposed without fault on any or all directors who can make the payment. This situation arises when appropriate payments are not made or when the company becomes financially insolvent – and liability can be imposed up to two years after directors cease to hold office.

Another big area of coverage centres on employment practices and claims that arise from them. The majority of claims come from wrongful employee termination, discrimination and harassment, and humiliation.

Why do I need it?

Directors and officers insurance can go a long way toward covering this potential exposure. But most insurance companies will want to see a policies and procedures manual in place – the best defence with regards to employment practices. The manual should describe what your business will not tolerate. If policies are not documented, it is very difficult for the company to defend itself. This manual needs to be a living document that is always current and legally correct, and it should accurately outline the company’s practices. The key is full, timely and honest disclosure, and complete documentation.

If the company has minority shareholders, directors can also be sued for lack of full and timely disclosure and for general breach of fiduciary duty. If you have minority shareholders and you act to convey assets away from them, you can be held liable as a director.

Directors and officers insurance cover actual or alleged unintentional acts arising from a lack of good judgement, poor management, lack of skill or ability, or an absence of due diligence. It deals with the results of failure to act, failure to supervise and conflict of interest.

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Farm Insurance

Farm insurance offers multiple coverage which can include structures as barns and

buildings, content coverage of property used in operations – machinery, tools and parts, it

can also include coverage for grain, fertilizer, feed and chemicals, as well as livestock.

What are different types of farm Coverage?

•  Hobby Farms
  
•  Commercial Farms
  
•  Farms Rented to Other People
  
•  Incidental Use Farms
  

Insurance Partner Page

Final Bonds (Performance Bonds)

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Guarantee the project is completed as the contract defines

When a developer wants to protect the investment made in a project, the contractor that won the bid is required to provide a final bond sometimes refered to as a performance bond before work can begin. In short, this bond guarantees that a contractor will complete a project according to contract. If the contractor fails to do so, the developer can make a claim to keep from losing money. 

There are other issues to consider depending on your situation, so please make sure to {module_contentholder name="ask-clover"}. 

Who are final bonds for?

• Developers
• General Contractors
• Subcontractors
• Road Contractors
• Sewer and Water main Contractors
• Other Heavy Civil Contractors
• Service Contractors (Waste Removal, Janitorial Firms, etc.)
• Specialty Contractors
• Manufacturers

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What information you should have to Get Started

• Quantity of your bid
• Date of your bid
• Your bond history
• Company History
• Personal Current Credit Score

You may also be required to submit your financial credentials when applying for your final bond.

Fine Art and Jewelry

High value items means high risk, so adequate insurance should be in place to cover

valuables, as these are rarely covered under regular home content insurance.

What Do I need to get fine art and Jewelry Insurance?

•  A current appraisal
  
•  A Signed Application
  
•  Usually a Property policy of some type is preferred by most insurance companies
  

Why Do I need an appraisal?

•  To come up with a rate you need a current appraisal for the value of the item
  
•  Some items only have value on resale of 25% of what you paid, the cost of the raw goods, you need to ensure you get full appraisal value
•  The appraisal will lay out the specifications of the item and current market value
  
•  Prices/Values fluctuate with the value of the Canadian Dollar you want to make sure you have a stable value

Can I take my Jewelry on Vacation?

•  Of course you can, however we suggest anything of great value should be locked in a safety deposit box or other secured facility while you are away. You do not need to give a person a reason to take your items or potentially loose them while you are away.
•  Be wary of the territory restrictions of your policies
  

What Do I do if my items get damaged?

•  Contact your broker
  
•  See what it would cost to repair it, remember you have a deductible
  

Who needs Garage / Auto Repair Insurance:

• Auto upholstery shops
• Auto repair garages
• Auto Body shops
• Mobile repair service
• Auto customizing or speed shops
• Oil change services
• Service stations
• Car washes
• Brake services
• Car dealerships
• Valet services
• Muffler shops
• Any business that improves or repairs vehicles

Additional Insurance Options Available:

• Umbrella liability insurance
• Business interruption
• Flood insurance
• Professional liability
• Employee Tools
• Pollution Liability
• Storage

Health Club / Fitness Studio

Get insurance specifically designed to meet the needs of your fitness club. Whether you are a small studio or a large fitness club, we help find and designed comprehensive coverage for a full range of services. Whatever services and concerns you have regarding staff, laws and the usual damage and liability, {module_contentholder name="ask-clover"} - We are here to help!

The Basics

• General liability and specialized
• Professional liability
• Business property, Business income
• Employee practices liability
• Excess umbrella coverage

Some specialized health club exposures

• Pools and spas
• Ropes courses
• Zumba/Pilates/Yoga
• Rock walls
• Spin classes
  
• 24/7 hour access club

And yes even the business within your business.

• Snack/juice bars
• Nutritionists 
• Additional services such as massage

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HOLE IN ONE/ PRIZE INDEMNITY

Prize indemnity gives you the ability to offer special contests and promotions while transferring the risk to an experienced and financially bound insurer.

Running a contest can result in a very lucrative marketing opportunity for your business.

People love to participate in contests and you now have the opportunity to have your fans, customers and clients WIN BIG without spending big money yourself.

Home Owner Insurance

Home Owner Insurance is a package policy which covers both damage to your property

and your liability or legal responsibility for injuries and property damage you or members

of your family cause to other people, and can also include damage caused by household

pets.

Get the right business insurance for your needs

Restaurants, nightclubs, hotels and bed-and-breakfasts are made for fun and relaxation – unless you’re the operator. If you’re in the hospitality business you need expert advice and several different types of coverage.

Insurance coverage to consider:

• Building and Contents
• Business Interruption
• Equipment Breakdown
• Business Premises Liability
• Host Liquor Liability

{module_contentholder name="ask-clover"} to customize business insurance for your needs.

Reduce and prevent

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

Control Eventualities

Accidents happen, it's just part of doing business with guests. After prevention comes preparation. Makeg sure you are prepared for and keep control when things go sideways. {module_contentholder name="ask-clover"} has years of experience in hundreds of different business ventures large and small. Get the advice and coverage you need.

LEGAL COSTS WITHOUT WORRY

Legal expense insurance reduces stress and uncertainty and provides an affordable way for Canadian consumers and business owners to access the justice system.

Thanks to our unique legal expense insurance coverage options, you can exercise your legal rights with peace of mind that your legal expenses will be covered.

With legal expense insurance, expenses related to pursuing your legal rights are covered. It’s more than a policy; it’sempowerment,knowing that you have full access to professional legal counsel and expense coverage when and if you need it.

LEGAL COSTS WITHOUT A DAS POLICY

The average hourly rate for experienced lawyers across the country is approximately$379.

Most, if not all, bodily injury claims and some employment cases are charged on a contingency basis.

This means that a lawyer will take a percentage (a range between 25%-40% and higher in some cases) of the award or agreed-upon settlement.

The average cost of a two-day civil action trial in Canada is $18,420, and the potential cost of a two-day civil action trial is upwards of$37,000.

THE ABOVE DOES NOT INCLUDE:

1.Disbursements or out of pocket expenses which could include expert reports, court filing costs, agent costs, etc.

2.Adverse costs – This may be awarded by a court or agreed to at the conclusion of a case.

3.Other legal costs in developing the case, filing the case and dealing with all interim steps or court applications.

If your business operations involve some risk to the public, you may need a license and permit bond in order to do business in any of the following areas:

• Sales
  
• Service providers
  
• Manufacturing
  
• Product distribution
  

Governments often regulate these types of businesses and activities to protect the public against incompetence or fraud.

The license and permit bond ensures that your business fully meets all government rules and regulations.

If your business operations involve some risk to the public, you may need a license and permit bond in order to do business in any of the following areas:

• Sales
  
• Service providers
  
• Manufacturing
  
• Product distribution
  

Governments often regulate these types of businesses and activities to protect the public against incompetence or fraud.

The license and permit bond ensures that your business fully meets all government rules and regulations.

LIFE AND GROUP

Tailor-made Products and Service

Only the very largest of organizations can afford the luxury of in-house financial services and products specialists, but not everyone has this benefit.

Each Member of our team has a unique set of skills and experience, with a combination of financial service expertise and product knowledge, not consistently available in other Life and Group Insurance Brokerages. We offer a full range of life and disability services, and pricing alternatives from the Canadian marketplace. This allows us to be extremely cost competitive while providing unique products tailored to individual and corporate needs.

Five Factors Distinguishing Us From Our Competitors:

1. Unmatched technical and professional expertise
   
2. Innovative-based Solutions and systems proven approach
   
3. Emphasis on multidisciplinary teamwork
   
4. Unsurpassed professional integrity
   
5. Unique ownership structure and client qualifying process
   

We Care About Our Clients

Our clients appreciates the value of our approach to taking care of their life and group needs because we pride ourselves in not following the industry norm of selling and moving on to the next client. Our guiding principle is that we are serving the needs of our clients for life, and that is why we promise on-going reviews of customer accounts including a face-to-face annual meeting to ensure that the goals we have established are being met. We want to insure that you are comfortable with the way we care about your life and group insurance needs.

Life & Group Services

• Life
  
• Keyman
  
• Group Benefits (Including Individual)
  
• RRSP’s
  
• Travel
  
• Accident, Death and Disability
  
• U.S. Medicare
  
• Buy/Sell Agreements
  
• Education Plans

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Lost Document Bonds

Lost document bonds are required in order to obtain replacement certificates (example: stock, debenture, warrant or bonds like Canada Savings Bonds), life insurance policies and other financial documents/instruments should an individual or company destroy or misplace the original - considered to be 'lost'.

This bond guarantees that if the original lost document is found, it will be returned to the surety company or obligee for proper disposal and that the issuer of the replacement security will not suffer an economic loss.

Examples of Lost Document Bonds are:

• Fixed Penalty
• Open Penalty
• Waiver of Probate

Motorcycle Insurance

Motorcycle Insurance is coverage for your motorcycle, scooter, and other 2-or 3-wheel

vehicles. These can be considered on a standalone policy or added to your current

automobile insurance, and contemplate bodily injury, damage, theft and other losses.

PERSONAL LINES

*All Optional Items and Discounts Vary by Carrier. Please contact our office to see if you qualify for these items.

Personal Services

Home Owners, Condominiums, Tenants, Seasonal, Automobile, Watercraft, Recreational Vehicles, Jewelry, Fine Arts & Antiques, Umbrella, Personal Directors & Officers

V.I.P. Service

With companies controlling expenses, recent trends in the market have been to streamline processes by reducing service and decreasing processing costs for home and car insurance clients, but our V.I.P. clients have the right to appreciate better quality of service as well as better products to suit their needs and lifestyles.

We work with markets that offer superior products so we can provide as little or as much coverage as required by our clients.From basic coverage to specialty products that suit higher net worth clients, we tailor policies to suit each individual need.

Residence features already include higher values for:

• Blanket Jewelry Limits
• Business Property
• Identity Theft
• Furs and Collectibles
• Animals, Birds and Fish
• Philatelic Property (Stamps)
• Numismatic Property (Coins)
• Detached Buildings
• Additional Living Expenses
• Property at Another Premises

V.I.P. Clients have V.I.P. Lifestyles!

Larger Homes, Larger Collections, Pools, Boats, Ski-Doos, Chalets, positions on Boards or Committees, Community Involvement, etc. these have a greater exposure and our products can address these needs.

Superior Capabilities

We look forward to having the opportunity to show our superior capabilities in the areas of personal insurance:

• Scheduled Jewelry
• Individual Directors and Officers
• Home Based Businesses
• Marine
• Personal Umbrella
• Legal Expense
• Identity Theft

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Personal Umbrella Insurance

Personal Umbrella is insurance that is in excess of other specified policies and can potentially be primary insurance for losses not covered by the other policies. Personal umbrella policies are typically made excess of a person's homeowner's and automobile insurance.

IMPORTANT NOTICE ABOUT POLICY CHANGES

Important: Policy changes requested by email, fax or voice message are NOT considered complete until you have been given confirmation directly by an agent in writing.

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Quick Business Quote

Need a quick quote? Fill in our online form.

No time to fill in forms?

Click the HELP button above, give us basic information and we will contact you!

Quick Estimate

Ask about savings

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Don't remember when your car insurance policy matures?
Not to worry, we will remind you.

Automatic Renewals (Automobile)

Did you know your car insurance policy is automatically renewed. We will notify you well in advance of a renewal date. If you are busy, you can ignore us and we will renew it for you.

Your insurer may also decide NOT to renew your insurance policy. If that's the case, you'll receive a notice of non-renewal.  

Renewing is a good time to review your premium. If you find a lower premium, make sure the two policies are identical. A lower premium could mean less coverage. Make sure you {module_contentholder name="ask-clover"}.

Questions to ask (Auto Renewals)

Take the time to assess your insurance needs when you renew your policy.

• Does your son or daughter want to drive your car? 
  
• Do you still use your car for work? 
  
• Do you still want full coverage for a 10-year old vehicle?
  

Ask yourself the right questions to make sure you've got the coverage you need and an advantageous premium. {module_contentholder name="ask-clover"}.

Realty Insurance

Building owners and property managers and Realtors have very diverse and complex risks they must consider.  
Speak to our experts about your needs.

Not sure if you need a complex risk solution? {module_contentholder name="ask-clover"} about our what solutions we have for your business. 

• High Revenue?
• Canadian Business with US Property holding and revenue?
• Are you required to prove security with letter or other non-standard requirements?

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Recreational Vehicle Insurance

Most recreational vehicles can also covered by your auto insurance policy, but we can discuss specific protection and options required.

RV insurance quote, custom-tailored just for you!

We’ve been providing helpful advice and RV insurance coverage for RV’ers like you. Our courteous staff know and understand your specific RV insurance needs.

Whether you own a Motorhome, Fifth Wheel, Travel Trailer, Tent Trailer, Truck Camper or Park Model, we can help provide the RV insurance that’s right for you.

With round-the-clock, every day claims support and many years of experience as RV Insurance Specialists.

{module_contentholder name="ask-clover"} today for prompt attention to all your RV insurance needs.

Remove your vehicle

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Use our ONLINE FORM to quickly inform us of the changes. Save your money and remove un-used insured vehicles or vehicles you no longer wish to insure/drive.

The sooner you cancel your licence plates and insurance, the more you may get back if you're eligible for a refund.

Rented Dwelling Insurance

Whether you rent a house, condo or apartment, Rented Dwelling Insurance provides the

coverage you need to help you protect your investment in your income generating

properties.

Replace Vehicle

Save money and stay insured!

Make sure you notify us about ANY change in vehicle, not just a major issue like replacing it.  A new vehicle may actually save you money on your insurance because of new safety features in the new vehicle. Makes and models of cars and types of vehicles all make a difference in calculating your premium.

Make sure you {module_contentholder name="ask-clover"}. We are here to help you get the best deal and coverage.
 

Tips, Glossary and useful links and publications.

Seasonal Dwelling Insurance

Seasonal Dwelling Insurance provides coverage for your cottage, trailer, mobile home, or

even another home that you only use a few times a year and can afford similar coverage

to your home insurance policy if necessary.

BUILDER’S RISK

Builder's Risk Insurance is protection for a person’s or organization’s interest in

materials, fixtures and equipment being used in the construction or renovation of a

building or structure, if these materials, fixtures and equipment are damaged.

Types of builder’s risk:

• Single Unit
• Subdivision
  

Builder's Risk

Builder's Risk Insurance is protection for a person’s or organization’s interest in

materials, fixtures and equipment being used in the construction or renovation of a

building or structure, if these materials, fixtures and equipment are damaged.

Types of builder’s risk:

• Single Unit
• Subdivision

SURETY / BONDING

Value Proposition
We endeavor to be a resource to our clients and our “think outside the box” approach gives us the ability to find solutions to clients’ Surety and Bonding needs.  We are uniquely organized to handle the small account up to the large account and our specialized division offers one-stop shopping for our clients’ certificates and bonds.  Our long-standing relationships with insurance companies give us the flexibility to work with our clients and markets to come up with solutions to everyday w.c.  Whether a client’s needs are one-time bonds or multi-year facilities, we can tailor the right product to suit any need.

WE HAVE FACILITIES FOR:

• Construction
• Manufacturing
• Maid Services
• Importers/Exporters
• Technology
• Insurance Brokers
• Wholesalers

TYPE OF BONDS WE HAVE ACCESS TO:

• Agreement to bond or surety’s Consent
• Labour and Materials Payment
• Performance Bonds
• Prequalification Documents
• Bid Bonds
• Maintenance Bonds
• Fiduciary Bonds
• Executor Bonds
• Customer and Excise Bonds
• Tobacco and Fuel Tax
• License and Permit Bonds
• Carnet Bonds
• 3D Crime Bonds
• U.S. Bonds

Our markets have granted us the ability to issue most bonds directly from our office.
When time is of the essence, our quick turnaround will ensure our clients meet their deadlines.

Tenant’s Insurance

Tenant’s Insurance is important as it provides coverage for the contents of your rental

unit due to loss, theft or damage – personal liability coverage and living expenses can

also be considerations under the insurance policy if required.

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In the transportation business, you need to expect the unexpected

There is more than just cargo at stake in the transport business. You also need to protect your vehicles and your operations.

{module_contentholder name="ask-clover"}, about protection designed specifically to meet your unique needs.

Insurance coverage to consider:

• Cargo
• Building
• Commercial Vehicles
• General Liability
• Loss of Business

Commercial Umbrella

Umbrella liability policy provides an insured with an “umbrella” of liability protection over the primarily liability insurance.

Cover Your Business with Umbrella Liability Insurance

Standard business liability coverage takes care of you and your business in most situations, but should a serious situations arise, commercial umbrella insurance will help ensure that your business is protected. 

What is umbrella insurance?

Umbrella liability insurance protects you when accidents happen and your existing liability insurance policies cannot cover all the expenses. Essentially, it picks up where your general liability or other liability coverage stops, providing extra protection against bodily injury and/or property damage.

How commercial umbrella insurance works

A commercial umbrella policy serves two specific purposes:

• It expands the limit that your company already has in its existing, or underlying, liability policies.
  If your general liability policy offers a specific amount of coverage per occurrence, or has a maximum total amount, you can expand the limits with an 'extra' or 'umbrella' policy.
• It also provides coverage for things that your underlying policies may not cover.
  Some areas or situations that might exempt coverage by your main policy can be covered with an umbrella policy.
  The most obvious example would be to expand the coverage territory.

Customize your umbrella policy to fit your business needs

Our staff will fine tune your commercial umbrella policies to suit the needs of almost any business.

Request a quote that is customized to meet the specific needs of your business.

Get a quote from Clover today!

This is a list of information you should prepare in order to get a fast quote when speaking to an agent directly.

• The financial and operational details of your business.
• A copy of the declaration page of your current general liability and business auto insurance policy (if you have them).
• Any prior losses your company has experienced. Keep in mind that a loss doesn’t necessarily mean your premium will be higher.
• A list of the company’s officers, their positions and experience if they are different from the owners of record. Typically, the longer and more successful the company’s overall record, the better the risk for the insurer and the lower the premiums.
• Annual payroll and a breakdown of employees who are full-time, part-time, subcontractors or consultants.

OR Complete the Online quote form!

BANK COMMUNICATIONS

Bank Reference Letter

PERSONAL LINES RESOURCES

Household Inventory
‍Home Maintenance Schedule

CLAIM DOCUMENTS

General Release Auto Accident

Insurance Resources Links
Centre for Study of Insurance Operations
Insurance Canada
Property and Casualty Online
Disaster Recovery Planning Guide

Insurance Association Links
Insurance Bureau of Canada (IBC)
Insurance Brokers Association of Canada (IBAC)
Insurance Brokers Association of Ontario (IBAO)
Insurance Brokers Association of British Columbia (IBABC)
Insurance Brokers Association of Alberta (IBAA)
Insurance Brokers Association of Saskatchewan (IBAS)
Insurance Brokers Association of Manitoba (IBAM)
Regroupement des Cabinets de Courtage D'Assurance du Quebec (RCCAQ)
Insurance Brokers Association of Nova Scotia (IBANS)
Insurance Brokers Association of New Brunswick (IBANB)
Insurance Brokers Association of Newfoundland (IBAN)
Registered Insurance Brokers of Ontario (RIBO)
Toronto Insurance Conference (TIC)

Publications
Canadian Underwriter
Canadian Insurance Magazine

Safety Links
Safety Council of Canada
Safe Kids
Public Safety and Emergency Preparedness Canada
Parachute
Victor House Publications - A World of Safety

Vehicle Safety Links
Vehicle Reviews and Ratings
Vehicle Recalls
Car Care Canada
Highway Safety
Car Seat Safety
Choosing the Right Car Seat

Financial Links
The Financial Advisors Association of Canada (ADVOCIS)
Investment Calculator (Bank of Canada)

Miscellaneous Links
Transport Canada
Wildlife Proofing Your Home
Canadian Crime Stoppers
Women in Insurance Cancer Crusade
Hospital for Sick Kids

Wholesaler / Retailer / Manufacturing Insurance

Whether your business provides professional services, is a retail operation, wholesale or manufacturing operation; you need contents, business interruption and liability coverage. Our experienced agents will review your insurance requirements and offer you a "package policy" or a "custom policy" tailored to your exact insurance needs. {module_contentholder name="ask-clover"}

• Metal Product
• Wood Products
• Textiles & Clothing
• Breweries & Wineries
• Bakeries & Confectionery
• Coffee & Tea
• Housewares Electrical & Electronic Equipment
• Food & Drinks
• Paper Products
• Printers
• Furniture
• Miscellaneous Products

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Sporting Goods / Sports Recreation - Wholesale/Retail/Manufacturing

Whether your business provides professional services, is a retail operation, wholesale or manufacturing operation; you need contents, business interruption and liability coverage. Our experienced agents will review your insurance requirements and offer you a "package policy" or a "custom policy" tailored to your exact insurance needs. {module_contentholder name="ask-clover"}