• Car insurance
• Home insurance
• Business insurance
• Claim
• Client Space

Business insurance policies are tailored to your industry. Coverage varies and covers:

• Third-party liability
• Buildings
• Equipment
• Equipment breakdown
• Operating losses
• Crime and embezzlement
• Transportation of goods
• Company vehicles
• Cyber risks

Learn more about Business insurance here: Starting a business: When to buy business insurance

Business insurance is key to protecting your business assets. Depending on the coverage you choose, damage to business assets and operating losses will be covered following certain types of loss, such as fire, theft, and certain types of water damage. Business liability, i.e., for property damage or bodily injury caused to others on the premises or in the course of the company’s activities, is also covered.

The deductible, indicated in your policy, is the amount you agree to pay in the event of damage to your vehicle or property. Your claim may be subject to a waiver of the deductible, depending on the extent of your loss and the terms of your policy.
 

Find more details here: 

A condo association’s insurance generally covers:

• The entire building
• Condo units, with certain exceptions
• Common areas and the furniture in them
• Third-party liability
• The liability of the association’s directors and managers

Note that each condo owner must take out a home insurance policy to cover improvements to their unit, their personal property and their third-party liability.

As soon as you notice a loss in your home, here’s what you should do:

• Limit the damage 
• Notify your insurer or brokerage representative of the circumstances
• Name the people involved
• List all damaged or destroyed property

A claims adjuster will then contact you to assess your case and process your claim.

View our tips here: What you need to know about home insurance claims

A home insurance policy has limitations and exclusions for certain types of property, including:

• Pools and spas
• Bicycles
• Garden tractors
• Jewellery and watches
• Collections of objects
• Works of arts
• Computer software, etc.

If limitations apply and you feel that the amount of compensation provided for in your policy is too low or you wish to increase it, talk to your damage insurance representative.

If a loss occurs and causes damage to your car or home while our offices are closed, you can call us any time at 1-888-590-2433. Otherwise, depending on the nature of the loss, you can file a claim in your Client Space.

Learn how to file an online claim here: Fast and easy home and car insurance claims

If you’re unable to finalize the creation of your account in Client Space, there are two possible 
explanations:

1. You have provided information that doesn’t match the information of the contact registered in our 
   system. For example, the date of birth or the spelling of the first and last name is different.
2. You’re dealing with a brokerage representative, you’re not the policyholder, or you have farm or 
   business insurance instead.

Need help? Call us at 1-877-668-8835.

The best way to determine the true value of your personal property is to make an inventory. 

On your list, consider including your: