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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.
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"}
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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"}.
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.
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.
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 - August 2015 (Rental Insurance OPCF-27)
Home Business Can't Shelter Under House Coverage
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
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.
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?
What Do I do when I have a claim or potential claim?
How will a claim affect my insurance?
Will the insurance company replace my car?
What happens if I take a cash payout?
What do I do if I get in an accident and get a notice of suit?
What do I do if I get hurt in a car accident?
Will the insurance companies pay for my injuries from a car accident?
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"}
{module_contentholder name="contact"}
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.
If you have any questions {module_contentholder name="ask-clover"}.
You may also be required to submit your financial credentials when applying for your bid bond.
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.
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 is coverage for motorized watercraft in the event of loss or damage to
your boat – these include pontoons, fishing boats, leisure crafts and yachts.
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.”
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.
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.
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.
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.
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.
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.
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.
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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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"}.
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.
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.
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.
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 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.
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.
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.
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 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?
Why does my mortgage broker say I only need Contents Coverage for my condo?
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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.
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.
Contractor's Liability Insurance is insurance that protects a contractor from defined
liability claims arising from our contractor's operations.
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's Liability Insurance is insurance that protects a contractor from defined
liability claims arising from our contractor's operations.
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's Liability Insurance is insurance that protects a contractor from defined
liability claims arising from our contractor's operations.
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's Liability Insurance is insurance that protects a contractor from defined
liability claims arising from our contractor's operations.
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).
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 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).
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:
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:
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:
Excise Bonds allow businesses to use or ship goods prior to the payment of applicable excise taxes.
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:
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:
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:
Excise Bonds allow businesses to use or ship goods prior to the payment of applicable excise taxes.
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.
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.
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:
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.
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.
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.
Contact {module_contentholder name="NAME"} Today!
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?
{module_contentholder name="contact"}
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"}.
If you have any questions {module_contentholder name="ask-clover"}.
You may also be required to submit your financial credentials when applying for your final bond.
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?
Why Do I need an appraisal?
Can I take my Jewelry on Vacation?
What Do I do if my items get damaged?
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
Some specialized health club exposures
And yes even the business within your business.
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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 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.
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.
{module_contentholder name="ask-clover"} to customize business insurance for your needs.
Find trouble before it finds your business. We help business owners identify and prevent potential losses.
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 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.
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:
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:
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.
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:
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
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:
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.
*All Optional Items and Discounts Vary by Carrier. Please contact our office to see if you qualify for these items.
Home Owners, Condominiums, Tenants, Seasonal, Automobile, Watercraft, Recreational Vehicles, Jewelry, Fine Arts & Antiques, Umbrella, Personal Directors & Officers
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:
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.
We look forward to having the opportunity to show our superior capabilities in the areas of personal 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: 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.
Need a quick quote? Fill in our online form.
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Click the HELP button above, give us basic information and we will contact you!
Quick Estimate
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Don't remember when your car insurance policy matures?
Not to worry, we will remind you.
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"}.
Take the time to assess your insurance needs when you renew your policy.
Ask yourself the right questions to make sure you've got the coverage you need and an advantageous premium. {module_contentholder name="ask-clover"}.
Building owners and property managers and Realtors have very diverse and complex risks they must consider.
Speak to our experts about your needs.
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Most recreational vehicles can also covered by your auto insurance policy, but we can discuss specific protection and options required.
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.
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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.
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.
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.
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Tips, Glossary and useful links and publications.
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 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:
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:
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.
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 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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There is more than just cargo at stake in the transport business. You also need to protect your vehicles and your operations.
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Umbrella liability policy provides an insured with an “umbrella” of liability protection over the primarily 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.
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.
A commercial umbrella policy serves two specific purposes:
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.
OR Complete the Online quote form!
Household Inventory
Home Maintenance Schedule
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
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"}
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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"}