Search results for: “insurance claims” (377 results)
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Group Insurance – Headwaters
Available to members of Headwaters Health Care Centre Acera Insurance and our employees who reside in the Orangeville and Greater…
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Group Insurance – Ontario Federation of Independent Schools
Available to members of Ontario Federation of Independent Schools (OFIS) Being a member of Ontario Federation of Independent Schools has…
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Group Insurance – CCMA
Available to Members of the Canadian Council of Montessori Administrators (CCMA) Being a member of the Canadian Council of Montessori…
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Group Insurance – Milton Chamber of Commerce
Milton Chamber of Commerce Home & Auto Insurance Program Milton Chamber of Commerce members get exclusive discounts and dedicated service…
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Group Insurance – FMCA
FMCA Home & Auto Insurance Program FMCA members get exclusive discounts and dedicated service with our group home and auto…
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Day Care Operators Group Insurance
Available to Members of The Association of Day Care Operators Being a member of The Association of Day Care Operators…
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Group Insurance – The Dufferin Board of Trade
Available to Members of The Dufferin Board of Trade Acera Insurance and our employees who reside in the Orangeville and…
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Kingston Commercial Insurance Client Group Program
Exclusive Home & Auto Insurance Savings Everyone wants to save on their insurance — and as a valued Acera Insurance…
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Richmond Commercial Insurance Client Group Program
Exclusive Home & Auto Insurance Savings Everyone wants to save on their insurance — and as a valued Acera Insurance…
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Group Insurance – Ottawa Board of Trade
Ottawa Board of Trade Home & Auto Insurance Program Ottawa Board of Trade members get exclusive discounts and dedicated service…
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Group Insurance – William Osler Health System
William Osler Health System Home & Auto Insurance Program William Osler employees get exclusive discounts and dedicated service with our…
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Group Insurance – Brampton Board of Trade
Brampton Board of Trade Home & Auto Insurance Program Brampton Board of Trade members get exclusive discounts and dedicated service…
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Group Insurance – USW
United Steelworkers Group Insurance Program Get exclusive discounts and dedicated service with our group home and auto insurance program. Start…
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Group Insurance – KPA
KPA Kingston Group Insurance Program Get exclusive discounts and dedicated service with our group home and auto insurance program. Start…
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Group Insurance – Huntsville/Lake of Bays
Available to Members of Huntsville Lake of Bays Chamber of Commerce Being a member of the Huntsville/Lake of Bays Chamber…
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Unifor Group Insurance
Available to members of Unifor Local 1285 Being a member of Unifor Local 1285 has its advantages. You can save…
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Group Insurance – Brampton Board of Trade
Available to Members of Brampton Board of Trade Being a member of the Brampton Board of Trade has its advantages….
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Milton Chamber of Commerce Group Insurance
Available to members of Milton Chamber of Commerce Being a member of the Milton Chamber of Commerce has its advantages….
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Group Insurance – CFB Military
CFB Kingston Group Insurance Program Get exclusive discounts and dedicated service with our group home and auto insurance program. Start…
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Group Insurance – Halton Hills Chamber of Commerce
Available to Members of Halton Hills Chamber of Commerce Being a member of the Halton Hills Chamber of Commerce has…
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Group Insurance – OPP
OPP Kingston Group Insurance Program Get exclusive discounts and dedicated service with our group home and auto insurance program. Start…
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Winter Vacation & Your Insurance
Going on Winter Vacation? Ensure Your Home is Protected Ensure your home is covered while you’re away on winter vacation….
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TrapAssure by Acera Insurance
TrapAssure by Acera Insurance Insurance for Nuisance Trapping Businesses At Acera Insurance, we understand the unique challenges and risks associated…
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British Columbia Assisted Living Facility Insurance
BC Assisted Living Facility Insurance Get a Free Quote Business insurance for assisted living facilities in British Columbia Assisted living…
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Cressey Properties Tenant Insurance
Tenant insurance in minutes Protecting your things is important, and so is your time. Get a quote in 2 minutes or…
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Worman Properties Tenant Insurance
Tenant insurance for residents of Worman Properties Get a Quote As the preferred insurance provider for Worman, Acera Insurance has made…
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Front Lines Summit 2025
BC Front Lines Summit 2024 October 5 – 6, 2024Coast Capri Hotel, Kelowna, BC 1171 Harvey Ave, Kelowna, BC Welcome…
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TrackGuard
TrackGuard by Acera Insurance Get Insurance Register an Event Gear up for your next track day. A unique insurance program…
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ICBC Discounts and Special Coverages
ICBC Discounts & Special Coverages Learn more about recommended special coverages and discounts available to you from ICBC. Discounts Low…
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iTel Benefits Plan
iTel Employee Benefits Plan Looking for iTel Group Retirement? Click here. The Group Benefits Plan is designed to: Be meaningful…
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CAA Benefits Plan
Health & Dental Benefits for Canadian Avalanche Association Members Participation is limited to ACTIVE members. Association dues must be paid…
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ACMG Benefits Plan
Health & Dental Benefits for ACMG Members Participation is limited to ACTIVE members. Association dues must be paid for the…
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HCBC Benefits Plan
Health & Dental Benefits for Horse Council BC Members Coming May 1, 2025 Request Your Enrolment Invitation As committed partners…
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Venture Elevator Benefits
Venture Elevator Group Benefits and Group Retirement Plans Employee Benefits Plan Our Benefits Plan is designed to: Be meaningful and…
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REMAX Group Benefits
Group Benefits RE/MAX has leveraged the power of the brand to negotiate an exclusive group benefits plan for RE/MAX realtors…
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Ontario Equestrian Benefits Plan
Health & Dental Benefits for Ontario Equestrian Members Now live! Request Your Enrolment Invitation As committed partners of Ontario Equestrian…
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Cyber Safe
Cyber Insurance Protect your family and home from digital threats. We talk about home security and fire safety with our…
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Troika Benefits Plan
Troika Employee Benefits Plan The Group Benefits Plan is designed to: Be meaningful and supportive of the associate and their…
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Passive House Canada
Proud insurance partner of Passive House Canada At Acera Insurance, we specialize in identifying and mitigating risks associated with sustainable…
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I-XL Employee Benefits Plan
I-XL Employee Benefits Plan Our Benefits Plan is designed to: Be meaningful and supportive of the associate and their family’s…
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Manufacturing Safety Alliance BC Group Benefits
Manufacturing Safety Alliance BC Group Benefits Exclusive offer for members As a valued member of Manufacturing Safety Alliance of BC,…
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CME Group Benefits
CME Group Benefits Exclusive offer for CME members As a valued member of Canadian Manufacturers & Exporters, we have worked…
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Sales Conference 2025
Acera National Sales Conference:Revenue Everywhere May 13 – 15, 2025Coast Capri Hotel, Kelowna, BC 1171 Harvey Ave, Kelowna, BC250.860.6060 Welcome…
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Collector Car Insurance vs. Regular Car Insurance
Did you know there’s a huge difference between collector car insurance and regular car insurance? We’ll explain these different coverages…
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8 Reasons Why Travel Insurance Claims May Be Denied
No one wants anything bad to happen while they’re on vacation but if it does travel insurance can help cover…
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Rogers Insurance Ltd., Schwartz Reliance Insurance announce partnership
Note: This announcement was released before Rogers Insurance and CapriCMW merged to become Acera Insurance. Rogers Insurance Ltd. and Schwartz…
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Navigating an Insurance Claim for Your Snowmobile in BC
For many Canadians, snowmobiling is an opportunity to have fun and explore parts of the country that few people get…
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Understanding how depreciation impacts insurance claims
When filing a claim for damaged property or a lost item, your insurer will assess the item’s value at the…
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Top 10 Insurance Claims for Small Businesses
Four out of ten small businesses are likely to experience a property or general liability claim in the next 10…
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Top Winery Insurance Claims In BC
At harvest season in BC, grape pickers lumber between vines, each hand gripping a 10-gallon pail stuffed with yellow-gold or…
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5 Common Causes of Home Insurance Claims in Alberta
We want to do our best to try and prevent disasters from happening within the home even though sometimes it’s…
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General Third Party Liability Insurance with Acera Insurance
Most people think of car accidents when they hear third-party liability insurance. But did you know this is an important…
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What’s the difference between a broker, an insurance agent and an insurance company?
Many people don’t realize there’s a difference between an insurance broker, an insurance agent and an insurance company. In fact,…
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Selling your insurance brokerage
Selling your insurance brokerage: Why you should choose Acera Insurance As the largest independent, employee-controlled brokerage in Canada, Acera Insurance…
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20 Factors That Affect Your Home Insurance Rates
Insurance companies use complicated calculations to determine home insurance rates. Here are 20 factors that affect your home insurance premiums: …
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Insurance Glossary
Insurance Glossary Key insurance terminology. Like many others in specialized or highly technical fields, insurance professionals can use a lot…
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Putting an End to Condo Chaos: What You Need to Know about Condo Insurance in BC
Across the country, condo insurance is making headlines: Changes to the strata insurance marketplace have premiums skyrocketing, and coverage needs…
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Hard to Insure Homes
For most homeowners, insuring their home is straightforward. However, not all homes or homeowners are easy to insure. Here are some…
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Alberta Car Insurance Rate Increases FAQ
If you’ve just received your car insurance renewal, you may have seen a big increase in your rates. We’re going…
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What is co-insurance?
Co-insurance is one term that is frequently misunderstood yet often found in many insurance policies. It’s important to understand what…
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2025 Commercial Insurance Market Forecast for Canadian Businesses
The following key risks, market trends and proactive steps will impact your business’ insurance and risk management strategies — and…
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Boat Insurance in Alberta: Your FAQs Answered
Whether you use your boat for fishing, watersports or relaxation, we can help you protect your boat, your passengers and yourself if…
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Alberta Home Insurance Rate Increase FAQ
If you’ve just received your home insurance renewal, you may have seen a big increase in your rates – even…
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12 Factors that Impact Auto Insurance Rates
Your auto insurance premium is affected by many different factors. Some of these you can control and others you cannot. This article…
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Non-owned auto insurance – who needs it and what it does
Historical Perspective Following the Industrial Revolution, businesses entered an era of globalization and expansion, driven by advances in transportation such…
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Travel Insurance FAQs
Travel insurance helps give you peace of mind about your financial security when the worst happens. No one wants to…
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Navigating the complexity of international risk: A risk insurance guide for Canadian companies with global operations
In today’s interconnected world, Canadian organizations with international operations face an increasingly intricate web of risks that span diverse regulatory…
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10 Reasons Your Car Insurance Won’t Cover You
Did you know your car insurance company has the right to deny coverage in certain situations? Some items on this…
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How to optimize your insurability as a high-net-worth individual
For affluent individuals and families, insurance is more than just a safeguard – it’s a strategic tool for wealth preservation,…
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The Advantages of Working with an Insurance Broker
When shopping for insurance you may be overwhelmed with the amount of choice. From insurance companies, brokerages, coverages, limit options…
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Car Insurance and Moving Out of Alberta
If you’re planning to move out of Alberta, you’ll need to update your car insurance and potentially change insurance brokers…
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Why You Should Buy Renter’s Insurance
We get asked it by renters all the time: I don’t have much stuff, why would I buy insurance? The…
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What’s happening with car Insurance in Alberta?
The car insurance industry has made headlines more than a few times recently. One article warns of the “bumpy road…
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What affects home insurance rates in Alberta?
If you’ve ever compared your home insurance rates with a neighbour, friend, or family member, you may have been confused…
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3 Ways Your Driving Record Affects Your Car Insurance
You probably know that your driving record affects your car insurance rates, but do you understand exactly how? In this…
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How to Save On Your Home Insurance in Huntsville
Home insurance in Huntsville isn’t mandatory (except for mortgage lenders who may require you to have proof of insurance) but it…
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A Guide to Winter Holiday Travel Insurance
Are you heading home for a Christmas family vacation? Or are you escaping the January or February weather with a…
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There’s Coverage for That: Protecting Your Claims Free Discount
Have you ever considered making a claim on your home insurance policy, but decided against it because you knew it…
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6 Things That Can Void a Home Insurance Policy
Many people believe that once they purchase a property insurance policy, they’re covered. Unfortunately, this isn’t always the case. Your…
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RV Insurance in Alberta
Camping has always been popular in Alberta but 2020 saw an explosion of RV sales as people sought refuge from…
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Exploring the impact of US national catastrophes on Canadian home insurance
When natural catastrophes, including hurricanes, wildfires and severe storms, hit the US, their effects don’t stop at the border. While…
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Why do I need commercial insurance for a part-time business?
Whether you’re turning a hobby into a side business beginning to freelance under a company name or simply decided the…
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Can the Condo Insurance Crisis be Corrected?
Condo corporations have an important role to play in reversing skyrocketing condo insurance premiums and deductibles in Canada. Purchasing insurance…
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What can void a car insurance policy in Alberta?
There are a number of things that can void a car insurance policy in Alberta, including: Lying on your insurance…
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What kind of profits do insurance companies make?
Insurance is about sharing risk. It’s a form of security that’s based on cooperation. By distributing the risk of a…
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Your Personal Guide to Getting Car Insurance in Orangeville, Ontario
Orangeville is a great place to live. Located in south-central Ontario and presently the seat of Dufferin County, it’s no…
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Do I need commercial insurance for my part-time business?
A part-time business can definitely be an exciting prospect. One question you’ll face as a part-time business owner is, “Do…
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Bridging property insurance gaps in wood product manufacturing
Wood product manufacturers are often classified by insurers as high-hazard or high-risk businesses due to the history of significant losses…
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2024 Commercial Insurance Market Forecast
We’ve identified four risks that could impact your commercial insurance in 2024; these are similar to last year as the…
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What You Need to Know About Strata Insurance
For decades, Acera Insurance have served as trusted advisors to strata corporations and property management companies throughout BC. During that…
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Three Types of Nanaimo Business Insurance
What Are The Three Basic Types of Business Insurance in Nanaimo? As a hard-working business owner, you know the level…
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Home Alone: Insurance Edition
Have you ever wondered how much money Kevin’s antics in Home Alone cost the McAllisters? Are you curious about what…
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Milton Business Insurance Endorsements, Defined
As a hardworking business owner in the city of Milton, Ontario, you’re probably well aware that operating a firm of…
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How do I insure a seasonal home?
Protecting your seasonal home can have its challenges. It faces all the risks of your primary residence with the complication…
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What type of insurance do I need for my work vehicle?
It’s easy to appreciate why we need to purchase vehicle insurance for personal-use vehicles. Not only does it protect us…
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Five Reasons You Should Consider a Career in Insurance
Let’s be honest – the insurance industry doesn’t sound exciting. Unless you have family or friends telling you about how exciting…
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Calgary Stampede Event Insurance
During Stampede week Calgary has events going on in every corner of the city at nearly every hour of the…
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7 Tips to Reduce Home Insurance Premiums in Calgary
Home insurance isn’t just a requirement from your mortgage lender – it’s an essential tool to help protect you from…
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Considerations for including your travel trailer in your home insurance policy.
Protecting Your Travel Trailer Investment You’ve bought a travel trailer and now you can’t wait to hit the road to…
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Business Insurance Types in Victoria
What kind of insurance does my Victoria small business need? You’ve spent enough years perfecting what you do, learning how…
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How long will it take for my claim to be settled?
We all get insurance for one reason – so that we’re protected in the event disaster strikes. Because really how…
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Engagement Ring Insurance
An engagement ring signifies a promise. While these rings vary in size, style and value they’re often treasured by their…
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What do you need to get a home insurance quote in Alberta?
Whether you’re buying a new home or price shopping for an existing property, you’ll need to provide certain information to…
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Full-Timer RV Insurance
If you’re living in your RV full time, it’s important to have the right insurance. This starts with being honest…
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Fighting Insurance Fraud in Alberta
As March is Fraud Awareness Month we thought this was a great opportunity to discuss insurance fraud in Alberta. Insurance…
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Is my boat covered by my home insurance?
Whether you use your boat for fishing, water sports, or general recreation, it’s important to have it properly insured. This…
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What affects my RV insurance rates?
For many Canadians their RV is a ticket to freedom – the freedom to spend a weekend at a favourite…
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Insuring a Motorcycle in Alberta
Whether you’re getting into motorcycles for the first time or returning to riding after a few years break motorcycles are…
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Three Types of Insureds Explained
Although it may seem insignificant, getting the Insured Name correct on your insurance policy is critical to ensuring that you…
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3 Things to Know About Food Delivery Car Insurance
UberEats, Skip the Dishes, DoorDash – lately more online food ordering and delivery platforms have been increasing in popularity at…
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The Basics of Off-Highway Vehicle (OHV) Insurance
If you’re one of many Albertans who enjoy off-highway vehicles (like ATVs and snowmobiles), you’re probably familiar with the two…
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Home-Based Business Insurance in Alberta
Whether it’s their primary occupation or a side-hustle, many Albertans operate a business from their home. But did you know…
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How long do tickets and accidents affect my insurance?
The red flashing lights the siren the fear in the pit of your stomach— you’re being pulled over and an…
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Rethinking Your Insurance Around Environmental, Social and Governance Policies
Now more than ever, people care that the businesses they support and work with have strong ESG principles. Well planned…
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A Guide to Shared Electric Scooter Insurance
Electric scooters were all the rage in Calgary and Edmonton after their launch in the summer of 2019. Lime and…
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What is a high risk driver and how does it affect my insurance?
Unfortunately, not all of us have ideal driving records. Whether due to being involved in multiple at-fault car accidents, having…
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Construction Costs and Your Insurance – What You Need to Know
Due to widespread shortages, construction costs have skyrocketed in Canada in the past couple years. If you don’t have plans…
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Can I get travel medical insurance if I have a medical condition?
Travelling should be fun and relaxing, but, unfortunately, it can be stressful if you have to deal with a medical…
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How can I customize my Aviva home insurance policy to suit me best?
Aviva is one of the largest providers of home insurance in Canada. They offer different levels of protection for homeowners…
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Does my insurance cover a home I bought in the US?
Owning a home in the United States is a goal of many Canadians. Whether they’re looking to escape the cold…
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Bicycle Insurance: What You Need to Know
While many people have bicycles, some are serious cyclists with expensive bikes, equipment and accessories. Whether you ride bikes for…
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2023 Insurance Market Insights
Businesses of all sizes will continue to face challenges arising from the persistent cycle of economic uncertainties that include inflation,…
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Why do I need motorcycle insurance in Victoria?
A motorcycle may cost a significant amount less than your average vehicle, but its insurance coverage is just as important….
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Liquor Liability Insurance Explained
Liquor liability insurance provides coverage for establishments that serve alcohol, such as pubs, bars, clubs, restaurants, and wineries. It covers…
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ICBC Changes: How Car Insurance Premiums Will Be Calculated
ICBC has announced some major changes to our car insurance system in British Columbia that take effect on September 1,…
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Cheaper Isn’t Always Better When Buying Insurance
If you’re shopping for insurance, you’ll frequently see advertisements offering low rates – as if the cheapest insurance premium is…
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How do I submit a claim for an RV in Alberta?
Unfortunately theft damage and even destruction happen to RVs. Whether it’s a result of a storm an accident or another…
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Tips for Protecting Your Auto Insurance Premiums in Alberta
It was recently announced that the Alberta government will introduce auto insurance reforms that include rate increases to the ‘good’…
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How natural catastrophic events impact your business insurance
Four natural catastrophic events across Canada in July and August caused more than $7 billion in insured losses, making summer…
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The driver who hit me doesn’t have car insurance. What do I do now?
Getting into an accident is a stressful situation, no matter how minor it is. Is anyone hurt? Who was at…
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The Ultimate Guide to Business Interruption Insurance
If your business is forced to stop operations due to circumstances outside of your control, it can be financially devastating….
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Why you should talk to an insurance expert first before buying a luxury vehicle
Do you ever wonder if James Bond thought about the insurance required for his Aston Martin? The way he drives,…
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Why real estate insurance requires a specialist – not just a policy
For commercial landlords and condominium/strata councils, insurance is more than a policy — it’s a key part of your risk…
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Can I be denied car insurance in Alberta?
There is a lot of misinformation that goes around when it comes to purchasing car insurance. While you cannot be…
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What is professional liability insurance and do I really need it?
If you offer specialized services like consulting, teaching or professional advice to clients, you are automatically held to a higher…
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7 Things Homeowner’s Insurance Typically Doesn’t Cover
A home insurance policy covers you for a wide variety of things; it includes coverage for liability, for your personal…
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Should I require my tenant to have renter’s insurance?
Many landlords do not require their tenants to have their own renter’s insurance. While not necessarily required renter’s insurance benefits…
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What kind of insurance do I need for my rental properties?
Renting out properties to tenants can certainly be a profitable endeavour. Earn extra income supplement your current salary and have…
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Am I covered by my landlord’s insurance?
Under Alberta’s Residential Tenancies Act, a landlord is only responsible for ensuring the rental premises are habitable. They should have…
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What is loss of use car insurance coverage?
Accidents happen and it can, unfortunately, take time for your vehicle to be repaired or your claim settled. Loss of…
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Business Insurance
Business Insurance We’re in the businessof protecting yours. Talk to an Advisor Start a Quote CICC Licensees – Get Your…
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How Driving Records Affect Motorhome Insurance
Your driving record can majorly impact your motorhome insurance. Since a motorhome is a vehicle it’s affected by the same…
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How Lloyd’s of London Affects Insurance Availability and Premiums in Canada
David Edgar, Managing Director, Underwriting, Captives & Alternative Risk Solutions at Acera Insurance, explains the impact of Lloyd’s of London…
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Top Trends Affecting the Insurance Market for Natural Disasters
Over the past year alone, Canada was hit by two of the costliest natural disasters in the country’s history –…
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How Wildfires Are Reshaping Insurance To Value
The increasing frequency and severity of wildfires across Western Canada have underscored the importance of ensuring that strata and condo…
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Does my home insurance cover my stuff while moving?
Are you moving to accommodate a growing family? Or moving across the country for a job? No matter the reason…
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How does retirement affect insurance?
Retirement is a big life change. Like any major event you should talk to your insurance broker and reassess your…
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Do I need tenant’s insurance when I rent a house or condo?
Finding a good place to live is certainly a moment to celebrate. It’s also the perfect time to ask: do…
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Is our extended family covered under our home insurance?
Many Canadians live in extended family households. Whether it’s a single grandparent joining the household or multiple related families sharing…
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Value Over Time: Understanding Depreciation with RV Insurance in Alberta
While you enjoy your RV adventures in Alberta and beyond, it’s essential to understand how your insurance coverage works. In…
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6 Things You Should Know About Marine Cargo Insurance
In the event that you have goods on a shipment gone wrong, you could be left with substantial financial losses….
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Understanding the Volatile Insurance Market
Since autumn 2018, the insurance marketplace has become increasingly volatile. In 2020, we continue to see insurers with diminished capacity,…
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Why It Matters: Home Insurance and Your Credit Score
If you purchased a home or condo insurance policy lately, you were likely asked to consent to the insurance company…
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Do I need car insurance when my car is parked for the winter?
If you park your car during the winter you should keep it insured. While you may think you can save…
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Does my car insurance cover my trailer in Alberta?
Part of the benefit of owning a truck is being able to pull a trailer – and there’s a trailer…
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Getting an Appraisal for Insurance Purposes
Whether you’re purchasing a home or looking to insure a valuable collection or another form of property you may need…
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Unpacking the Paperwork: Why Advisors Ask for Every Detail for Your Home Insurance
If you’ve recently purchased a new property, you’ve probably had to renew or update your home insurance. While quote generators…
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Protecting Your Holiday Gifts: Home Insurance Tips for High-Value Items
The holidays are a time for family and friends to gather and celebrate the joyous season. They also provide an…
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Trucking Insurance – What You Need to Know
ICBC’s Fleetplan If you have 5 or more vehicles registered to the same company or legal entity, you can enroll…
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Pay Attention to the Warranties in Your Marine Insurance Policies
In insurance, a warranty is a promise by the policyholder to adhere to certain conditions. Warranties are often neglected and…
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Basics of Boat Insurance in Alberta
Whether you fish, are into water sports or just want to have some fun with friends and family on the…
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Why are my insurance rates higher than my friend’s?
If you’ve ever discussed insurance coverage with your friends (or at least complained over the cost of it) you may…
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Does your home insurance cover camping?
Over 40% of Alberta households go camping and its rated as the second favourite outdoor activity in the province in…
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Auto Insurance Renewal Request
Auto Insurance Renewal Request Complete the request form below, and we’ll get started on your auto insurance transaction.
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Snowmobile Insurance in Alberta
Snowmobiling is a treasured winter pastime for thousands of Albertans, but did you know you need insurance if you’re planning…
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2022 Insurance Market Forecast
The hard market challenges of the past few years will continue into 2022. But there is good news — things…
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Insurers Want Businesses to Brush Up on Cyber Hygiene
Cyber insurers are experiencing a higher volume of claims plus heightened demand for coverage, making it increasingly difficult for businesses…
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Is what I bring camping covered by my insurance?
It’s summer again and time to enjoy the great outdoors. As you make plans for camping trips insuring your possessions…
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Is mould covered by home insurance?
Mould is a fungal growth generally found on organic matter in moist, warm conditions. It can be found in drywall, wallpaper, carpet…
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Managing Insurance and Risks for Your Hospitality Business in 2025
Entering 2025, the hospitality industry is facing a multifaceted landscape of risks — ranging from economic volatility and labour shortages…
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A Primer on Insuring Your Snowmobile in BC
As the weather starts to cool down, sledders across BC are getting ramped up for snowmobile season. While you get prepared for your first ride,…
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Three Reasons a General Contractor Should Always Arrange the Insurance
General contractors have a unique responsibility when working on a custom project. The general contractor is responsible for making decisions…
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Best Practices for Managing Your Strata’s Increasing Insurance Deductibles
In recent years, insurers of strata corporations have been hit with a substantial increase in water damage claims, particularly among…
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What does the age of my roof have to do with how my claim is handled?
For most homeowners, the process of filing a claim and getting compensation for your damaged or destroyed home is fairly…
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Does the Alberta housing market affect my home insurance?
Alberta’s housing market varies greatly depending on where in the province you are located. Some areas have remained stagnant while…
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Common Claims in Lethbridge
Like people cities have their own distinct characteristics including weather patterns. These can often dictate what types of insurance is…
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Winter Vacation and Your Home Insurance
Ensure your home is covered while you’re away on winter vacation. Many Canadians enjoy escaping our cold winters to enjoy…
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What you need to know about secondary suites and your home insurance
Secondary suites have been a controversial topic in Calgary for a while now. In the city, there are thousands of…
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RV Insurance & Renovations: What You Need to Know
Many people dream of renovating an RV: either they want to update their existing unit, refurbish a van or bus,…
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Pollution Liability Insurance: What You Need to Know
It’s not always the first thing we think of when we think insurance, but liability coverage is one of the…
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Five Essential Insurance Coverages for Contractors
Insurance is a cost. As a Contractor the ability to control your costs is important. When it comes to insurance…
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How is my insurance affected if I import or export products?
If your business is considering importing and exporting products it is extremely important to understand how your company’s insurance may…
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Insuring an Ugly Christmas Sweater
Who doesn’t love an ugly Christmas sweater? Whether yours is homemade, bought with intention, or found in the back of…
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Can an empty home void a home insurance policy?
A property can be left empty for a number of reasons, whether the home is in-between renters or the owners…
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Understanding tenant insurance responsibilities in BC stratas
Acera Insurance’s Cassie Ayers, Team Leader, Personal Insurance, and Danielle Russell, Director, Real Estate, spoke with The Key magazine (spring…
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Wood Product Manufacturers: 3 Ways to Reduce Your Insurance Premiums
The explosions that occurred at the Babine Forest Products and Lakeland Mills sawmills in 2012 resulted in four deaths, over…
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Top 5 Mistakes When Choosing Winery Insurance
Fires, forklift accidents and recalls, they’re the stuff of nightmares for winery owners. For those with the right insurance coverage…
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I’ve lost a diamond in my ring – am I covered under my home insurance?
You could’ve sworn your diamond engagement ring was on the bedside table, but when you rushed home to get it…
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Does my RV need to be insured when it’s parked?
You may be thinking of trying to save some money by cancelling your RV insurance during the off-season or if…
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How Employee-Owned Insurance Brokers Bring Value to Your Business
In an industry where impersonal service is all too common, it’s easy to understand the frustrations that business leaders can…
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What Stratas and Unit Owners Should Know About Earthquake Insurance
The possibility of an earthquake affecting BC is a very real threat. Being in the Cascadia Subduction Zone, a subduction…
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Is the leak in my basement covered by my home insurance?
A leak in the basement can come in many forms – from a crack in the foundation plumbing windows or…
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What is fleet insurance?
Fleet insurance is for companies who own 4 or more commercial vehicles. It is an easy way to cover all…
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Is hail damage covered by RV insurance?
Alberta is notorious for hail. The province is home to “hail alley,” a stretch of nearly 300 kilometres that frequently…
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From house hunt to home sweet home: Key insurance considerations
If you’ve been house hunting, maybe you’ve been lucky enough to experience that feeling of This is it! – the…
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The impact green roofs have on insurance and risk management for roofing contractors
As governments across Canada have increasingly committed to promoting environmental sustainability and resilience in urban environments, they’re setting their sights…
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How can I customize my car insurance policy to suit me best?
It’s pretty hard to get around without a vehicle and many of us spend a lot of time driving whether…
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Roommates and Insurance
Sometimes the best way to afford an apartment is to bring in a roommate. Roommates can help to defray the…
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If my car is financed, what kind of insurance do I need?
Many people find themselves in a situation where they simply can’t afford to purchase a car outright. To afford a…
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What’s impacting construction insurance in Nova Scotia?
Acera Insurance’s Colin Brien spoke with Insurance Business Canada magazine about challenges facing the construction industry in Halifax, NS, in…
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What RV insurance loss settlement option is best?
An RV loss settlement option determines the amount or kind paid out to you in the event of a total…
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6 Ways to Reduce the Impact of Inflation On Your Insurance Premiums
Inflation in Canada has reached recording-breaking levels not seen in nearly forty years, and Canadians are feeling the impact in…
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Are burst pipes covered by home insurance in Alberta?
Burst pipes can cause extensive water damage, compromise structural integrity, and contribute to mould growth in your home. There are a few causes…
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Why do insurance companies increase the value of my home every year?
Did your home insurance premiums go up on your renewal? Even if you didn’t have a claim? It can be…
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Does mortgaging my home affect my insurance?
Few people can afford to buy a house outright without taking a mortgage from a lender whether that is a…
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Insuring a Heritage or Historic Home
Whether your home has a unique connection to our country’s past or it is a relic of a particular era…
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I’m renting out a room this summer, how does it affect my insurance?
Summer brings a few big attractions to Alberta: the Jazz Festival, the Calgary Stampede, Westerner Days and more. Folks travelling…
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Is your insurance ready to protect against Alberta’s hail?
If you live in Alberta’s hail belt, then you’ve probably experienced the mad dash to try and save your plants…
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Why the cheapest home insurance might not be the best option
We all love a deal but oftentimes the cheapest option isn’t necessarily the best one. This is why it’s important…
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The Insurance You Must Have Before Beginning Construction on Your Home
Whether you are building a new home or undergoing renovations on your current home, it is an exciting, hectic time…
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Does my home insurance cover evacuation expenses?
This year’s wildfire season has had a devastating impact on a number of communities in BC, and the full extent…
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Are rodents covered under my home insurance policy?
Rodents moving into your house is a nightmare scenario – they cause damage and can even make you sick. They…
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ICBC Enhanced Care Coverage: Resolving Claims Disputes and Your Legal Options
As of May 1, 2021, ICBC’s new Enhanced Care coverage comes into effect which introduces significant changes to BC’s auto…
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8 Tips for Motorcycle Safety (and Insurance)
Four wheels move the body. Two wheels move the soul.’ Anyone who’s ever ridden a motorcycle can relate to this…
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How much sewer backup insurance coverage should I have?
Water is great when it’s in a swimming pool a lake or in a nice tall glass filled with ice….
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I’m going on vacation, do I need to worry about my home insurance?
Whether it’s a break from the cold Canadian winter or your regular three-day weekend up at the cottage, taking a…
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Does car insurance cover a hit-and-run?
A driver who fails to remain on the scene of an accident or fails to provide their information can be…
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Am I covered by my insurance if I leave my car doors unlocked?
Lately there has been a rash of car thefts precipitated by the fact that many of these cars have been…
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How do bylaw changes affect my home insurance?
When Joyce and Dan Bonner came home to their original 1940s cottage-style home in Chestermere, they were shocked to find…
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Beat the Heat: Housefires and Your Insurance
Over the past fifteen years, the Canadian insurance industry has seen a surge in water damage claims, with water-related losses…
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Car Insurance Concerns for BC Snowbirds
An insurance concern for snowbirds heading to the US in the winter months is their vehicle insurance. If you’re planning…
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How event planners can benefit from working with an insurance broker
Working with a broker can help event planners get comprehensive coverage at a competitive rate — so says Acera Insurance’s…
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Understanding additional living expenses insurance
Additional living expenses can help cover your increased cost of living when you’re unable to stay at your residence due…
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Alberta Auto Insurance Rate Pause
On January 26, 2023, the Government of Alberta announced a rate pause for private passenger vehicle insurance until the end…
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What happens if I don’t replace my contents after a claim?
You suffered a massive loss. Perhaps fire tore through your home and destroyed everything you owned. Or maybe a truck…
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3 Strategies to Limit Your Organization’s Exposure to Employment Claims
The impact of the COVID-19 pandemic has led to a global shift towards remote and hybrid work arrangements, the introduction…
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Snow Removal and Your Insurance
Alberta winters are legendary for the wild swings in temperature, windy and warm chinooks, at least one week of head-numbing…
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Do truck modifications impact insurance?
Lifted trucks and other after-market modifications are popular. But if you are making modifications to your vehicle post-purchase it is…
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Why you need a longer indemnity period for your business interruption insurance
Business interruption insurance is designed to serve as a financial lifeline if you are ever forced to suspend operations due…
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Car Insurance Basics: Third Party Liability
Accidents happen. On average, 52,000 car accidents result in injuries or fatalities in British Columbia every year1. It’s important to…
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Resolve strata and small claims disputes online with BC’s Civil Resolution Tribunal
In 2016, BC introduced a new method for strata corporations and unit owners to resolve disputes – the Civil Resolution…
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New Buzzword, New Coverage You Need: Cyber Insurance and Your Business
Cyber floats around the boardroom now like synergies and paradigm shift did five years ago – they are not exactly…
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Towing Someone Else’s Trailer: Insurance Considerations for Borrowing and Lending
Everyone wants to be the guy or gal that bails out a buddy or helps a friend. Lending your trailer…
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Tuesday Tip: SEF 101 – Part II
To continue on last week’s introduction to SEF’s, let’s take a look at a couple of the more common auto…
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Earthquake preparedness guide
Earthquake preparedness guide: How to minimize and protect yourself from earthquake-related damage Did you know approximately 5,000 earthquakes occur across…
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Hurricane preparedness guide
Hurricane preparedness guide: How to protect yourself from storm-related damage Hurricane season in Canada is typically between June and November,…
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Tornado preparedness guide
Tornado preparedness guide: How to minimize and protect yourself from tornado-related damage Peak tornado season in Canada typically occurs between…
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Hail preparedness guide
Hail preparedness guide: How to minimize damage to your home, vehicle, business or farm Hail season in Canada typically occurs…
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Wildfire preparedness guide
Wildfire preparedness guide: How to minimize fire and smoke damage Wildfire season in Canada typically occurs between April and October,…
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Privacy Policy
Privacy Policy At Acera Insurance we understand that privacy is a critical issue for all our Clients. Our privacy code…
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Flood preparedness guide
Flood preparedness guide: How to minimize and protect yourself from flood-related water damage Flood season in Canada typically occurs between…
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Do I get to choose my own lawyer if I’m involved in a court case?
Generally you do not get to choose your own lawyer if you’re involved in a court case that’s covered by…
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Debugging risk: The ultimate guide to managing tech company exposures
If you’re at the helm of — or deep in the trenches of — a technology company, you know that…
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Actual Cash Value or Replacement Cost: 9 Key Considerations
Insuring property on an actual cash value (ACV) basis could lead a manufacturing business to permanent close in the event…
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Direct Compensation Property Damage Coverage for Alberta Drivers
The Government of Alberta is making a change to personal and commercial auto insurance with the aim to simplify and speed up the claims process…
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Geopolitical risk management strategies: Steps for Canadian companies to mitigate risk
This is part two in our in-depth two-part series exploring the evolving geopolitical landscape. In this article, Acera Insurance’s Aliya…
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How brokers can help businesses navigate the shift to a soft market from a hard market
After several years of high premiums and restrictive terms, the Canadian insurance landscape has been shifting in 2024 to provide…
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Accidents and Lending Your Vehicle
What happens when you allow friends or family to drive your car? Your close friend, roommate or family member asks…
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Compensation Disclosure
Compensation Disclosure (Français)Our role is to provide you with the best insurance value that combines coverage, service, and price. We…
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The Importance of Updating Material Change in Risk
Your insurance policies need to be updated to reflect life changes, otherwise you are leaving yourself open to being underinsured….
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Am I covered if I leave my front door unlocked?
Some people are happy to leave their doors unlocked and would never think of locking up before they leave for…
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Global warming is redefining catastrophe exposures
The last 10 years have made one thing clear: climate change is no longer a distant threat – it’s a…
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Financial Risks of the Sharing Economy in Canada
The sharing economy has grown exponentially in the last ten years from a niche area serving only a fraction of…
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Property Owners at Increased Risk of Being Underinsured
The pandemic has wreaked havoc with many things in our lives, including global supply chains. Availability of raw materials has…
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What are policy limits?
What a great question and so few people ever think to ask! A policy limit is the maximum amount of…
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Car Crash in Brampton: What to Do After You’ve Been in an Accident
Maybe you didn’t get a good look before making that left turn on a green, or the driver behind you…
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How fleet defense can help minimize liability in transportation
When negotiating fleet insurance terms, the focus has shifted away from at-fault versus not-at-fault claims to whether a claim is…
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6 Reasons to Read Your Policy Documents
As reading materials go insurance policies will probably never make it onto the top of the reading list for most…
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What do I need to know about overland water coverage?
Flooding can affect nearly every homeowner, whether it’s an overflow of a river or poor drainage during a big rainstorm….
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Aviva and Outdoorsy Partnership
Every day the sharing economy sees a new entrant vying for the patronage of consumers. First it was sharing rides…
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5 Things That Can Void Your RV Policy
Many people believe that once the insurance policy is purchased you’re covered no matter what. However your insurer will list…
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Severe Weather
Severe weather: How to prepare and stay safe during floods, wildfires and hail Severe weather is becoming increasingly common across…
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Rising Construction Costs Putting Businesses at Risk of Underinsurance
The sharp increase in the cost of lumber, plywood and steel is affecting more than just construction-based businesses. All businesses…
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Safeguarding your religious organization: How strong policies protect your people and your mission
If you are the leader of a religious organization, then you are aware of the impact that abuse allegations can…
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What is an underwriter?
If you’ve applied for an insurance quote you may have encountered an “underwriter.” Well what is an underwriter? What do…
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What is material misrepresentation?
In the insurance world material misrepresentation means withholding or falsifying information related to your insurance policy or claim. Material misrepresentation…
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What is a lapsed policy?
Missed a few payments? Your insurance policy may have lapsed meaning it has been cancelled due to non-payment. If you…
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Does provincial health care cover me across Canada?
Most Canadians love their universal health care. Yet we often forget that health care is a provincial responsibility. When we…
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How to Protect a Home-Based Business
Many Canadians operate a home-based business. Whether it’s a full-time operation or a part-time side hustle, it’s important to protect…
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Liability Risks for Small Businesses in Alberta
In Alberta as in any other parts of country owning your own business is a dream come true for many….
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Using a Personal Car for Business in Alberta
It can be tricky for self-employed people or owners of small businesses in Alberta to distinguish their personal activities from business-related…
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When should I contact my broker?
You should notify your insurance broker whenever there is any kind of change in your life, such as if: You…
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RIBO Information
RIBO Information (Français)At Acera Insurance, we’re dedicated to our long-term client relationships. We’re grateful for the trust and confidence you…
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The rise of AI-powered cyberattacks: How your business can keep pace with emerging cyber threats
Artificial intelligence (AI) has revolutionized all industries — from manufacturing to healthcare and finance — helping to streamline operations, increase…
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Is Your Winery Properly Valuated?
Heavy winds, broken pipes, forklift accidents, thieves… they’re all culprits that can destroy wine and winery equipment. And when these…
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Am I covered if I need to cancel a trip?
While no one wants to cancel a trip, sometimes it’s necessary. But what if you’ve already booked flights and hotels…
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The True Cost of Cybercrime
As technology advances, so do the risks that businesses face. “Cybercrime is one of the greatest threats that businesses of…
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Top Motorcycle Safety Tips in Courtenay
Motorcycle Safety Tips for Courtenay Motorists In British Columbia, and here at Acera Insurance, we all love our bikes and…
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Managing your backyard risks: Personal swimming pools
Jumping into a cold pool on a hot summer’s day is one of life’s greatest simple pleasures. There are many…
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How accurate property valuations protect your business
Accurate property valuations are the foundation of effective commercial insurance coverage. Yet across Canada, fluctuating construction costs, rising inflation, climate-related…
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Employee Benefit Packages
How many of us are working towards a healthy work life balance as an achievement in our lives? Are we…
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If my car is stolen, do I get what I paid for it?
There’s nothing worse than stepping out to your parked car only to find nothing but empty space. Thankfully virtually all…
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Is driving to a customer’s home different than driving to my office?
Driving to and from work isn’t the same as driving for work. While both require you to use your car,…
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BC Coverages You Don’t Know You Have: Lock Replacement/Re-Keying
Tucked away in all kinds of insurance policies are wonderful little coverages most people aren’t aware of. From good-will payments…
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Faith & the Post-Pandemic World: Challenges Faced by Faith Organizations
Faith and religious organizations can face many new and unique challenges to their operations. Through proper risk assessment and awareness…
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ICBC Enhanced Care Coverage: Changes to Vehicle Damage Coverage
As of May 1, 2021, ICBC’s new Enhanced Care coverage comes into effect which introduces significant changes to BC’s auto…
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Sewer Backup Prevention Measures
Water damage to your home can take on many different forms: a leak in your hot water heater a frozen…
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Returning home after a wildfire
Flames, soot, ash and firefighting techniques to fight wildfires can cause damage to your home and belongings. The intent of…
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Protecting the future of farming
Bordercreek Farms is one of the most technologically advanced poultry farms in the Fraser Valley, operating on 28 acres of…
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Ask an Expert: ICBC’s Enhanced Care
As you have probably heard on the news, ICBC is changing things up this spring, and embracing a new insurance…
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What do I do if my company vehicle is vandalized?
You return to your company van after a long day of work only to find that someone had come along…
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Condo Master Policy: What You Need to Know
Condos are attractive because they offer so many advantages – they work well as starter homes as a rental investment…
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How do I know what it will cost to rebuild my home?
Getting home insurance is much simpler than it used to be. Years ago your insurance provider would’ve asked you to…
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Putting the Brakes on Auto Theft
Installing a recovery device in your vehicle can reduce auto theft and premiums. Insurers are responding to the skyrocketing rates…
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2024 Group Benefits Market Outlook
While economists predict inflation in Canada will stabilize, the rate will continue to remain higher than an ideal target. Organizations…
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Ways to Protect Your Home from Spring Flooding in Alberta
Flooding can occur at any time of year in Alberta but is particularly common during the spring and early summer….
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Managing your backyard risks: Firepits and barbecues
Whether it’s the first days of spring or a chilly fall evening, enjoying your backyard with the help of a…
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How to Save Money Camping in Alberta
Despite its low-cost reputation, camping in Alberta can get expensive quickly. You’re paying for campsites, passes, fuel, food, firewood –…
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Battle of the ICBC Coverages: RoadStar vs. Roadside Plus
There’s more to car insurance than the basic collision, comprehensive, and liability coverages that come to mind when we are…
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Coverage You Need: Employment Practices Liability
If you have watched the news in the past year, you have likely seen something about workplace harassment or discrimination….
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Business Interruption for Lumber Mills: How to Protect Your Income
In a global business landscape that is increasingly complex and volatile, the threat of business interruption has consistently ranked as…
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My car is a write off due to hail damage, what now?
Pretty much every car owner dreads hail. Depending on the size of the hailstones and the force of the winds,…
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Returning home after a flood
Flood waters can carry dangerous debris and micro-organisms, and also cause mould to grow, all of which can damage your…
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Limiting Your WorkSafeBC Premiums Through Cost Relief
Despite your best efforts to optimize the health and safety of your workplace, accidents can happen that lead to workers’…
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Protect your home from water damage
Water damage is one of the most common property insurance claims. But insurers do not treat all water damage as…
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Should I buy separate glass coverage for my car?
Most people rely on the glass coverage associated with their standard car insurance despite a variety of separate policies available….
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How to Create an RV Inventory List
Who doesn’t love lists? Especially as they’re incredibly useful when it comes to packing and being prepared for that big…
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Managing your backyard risks: Hosting a party
Whether it’s a backyard wedding, family reunion or neighbourhood barbecue, as a host, you are responsible for the safety and…
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How to Deal with Wind in an RV
Most of the time the wind isn’t too big of a deal in an RV. However as wind gusts climb…
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Strata Corporations and Subrogation: Recovering Costs of Damages From At-Fault Parties
Our strata insurance advisors explain the reasons why subrogation can often be a long and arduous process, steps that should…
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Why Construction Businesses Need Directors & Officers Liability
The duties & standards that directors and officers are now held to today are more stringent than ever. These standards,…
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Winery Liability: What Are You Not Protected Against?
Have you ever considered what would happen if your customer records were hacked? How about a picking bucket on the…
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Should you keep vehicle maintenance records?
If you use one or more vehicles in your small business you probably already know how important it is to…
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How to Protect Your Property from Hail Damage in Alberta
Alberta’s hailstorm alley stretches from High River north to Red Deer. This area sees many storms producing hailstones capable of severe damage. In…
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Host Liquor Liability: Everything You Need to Know
Did you know you can be held accountable for injuries or damage which occur as a result of serving alcohol?…
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9 Tips for Errors and Omissions Risk Management
If you provide a professional service or advice, a large part of your risk management will be protecting yourself and…
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Limiting Your Construction Firm’s Professional Liability Exposure
Many contractors are unaware of their own professional liability exposure. In fact, several aspects of the work that contractors do…
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ICBC Enhanced Care Coverage: New Savings for Drivers
As of May 1, 2021, ICBC’s new Enhanced Care coverage comes into effect which introduces significant changes to BC’s auto…
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Contractors – Read the Fine Print
More frequently as insurance brokers we encounter construction contracts whereby the Owner provides Builders Risk and Wrap Up Liability and…
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Avoiding Probate
Do you hold your GIC’s, mutual funds and stocks in banks or credit unions? Do you realize these assets will…
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8 Ways to Prevent Water Damage in Your Home
Water damage continues to be the leading cause of insurance claims in Canada. It is now rapidly becoming the new…
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7 Cyber-Security Tips for Protecting Your Business
When your company deals with data you are at risk of a cyber-attack. No business is exempt from cyber-criminals malware…
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What to do in a boating accident in Alberta
Unfortunately accidents on the water do happen. On average there are 166 boating-related deaths per year in Canada with alcohol…
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Winter Risks for Businesses in Alberta
Alberta businesses deal with increased risks during the winter thanks to our weather. Winter risks for businesses in Alberta include: …
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Buying an RV in Alberta
With nature like this it’s no wonder camping and RVs are so popular in Alberta. Whether you’re a first-time buyer…
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Managing your backyard risks: Trampolines, treehouses and playsets
A true highlight of childhood for many were the hours spent outside – jumping on trampolines, playing in treehouses and…
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ICBC Changes: How Will They Affect Commercial Fleets?
ICBC has announced some major changes to our car insurance system in British Columbia that take effect on September 1,…
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How to Prevent Burst Pipes
Burst pipes are a nightmare for any homeowner or business owner. Not only can they cause extensive damage, but the…
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The Limits of Additional Living Expenses
Having to leave your home can be tough even when you’re off on a fun vacation. Having to leave your…
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Policyholders cannot afford to bury their heads in the sand
Addressing cognitive bias to effectively manage risk Prevention is the foundation of effective risk management; it’s also the first line…
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5 Ways to Protect Your Home While You’re on Vacation
Did you know your home is more at risk when you’re on vacation? That’s because a problem can go unnoticed…
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Best Home Exterior Finishes in Alberta
Your home keeps the wind, moisture and cold out. Exterior finishes come in a variety of styles, materials and price points. But which ones are…
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How to Protect Your Business from Wildfires in Alberta
Alberta’s wildfire season beings March 1 and lasts through to the end of October each year. There is currently an average of 1,346 wildfires per year in…
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Why environmental impairment liability is a must-have for Canadian businesses
As businesses throughout Canada direct more attention and resources towards their ethical and social responsibilities for minimizing their environmental impact,…
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How safe is your smart home? How to protect yourself against cyber risks
Smart devices such as speakers, thermostats, security systems and appliances, offer a level of convenience and peace of mind that…
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Who is at fault for a collision in a parking lot?
Even though the basic rules of the road still apply when you’re driving in a parking lot, it may be…
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Impact of Recent EI Changes on Employers and Employees
As of December 18, 2022, the federal government has extended the length of time that individuals can access employment insurance…
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A Different Way to Protect Your Inventory Through the Entire Supply Chain
If your company is in the business of importing, distributing or exporting, there’s always concern over ensuring goods are protected…
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Aviva Home Repair Assure Coverage
Imagine this: you are about to get into bed when you realize your furnace won’t turn on. It is -30…
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Winter Home Maintenance: Tips to Keep Your Property Safe During Cooler Months
Winter is harsh across most of Canada with extreme cold, temperature swings, wind, snow, ice, and thaw and freeze cycles….
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How do I import a car from the US to Alberta?
While the value of the Canadian dollar has us less likely to make big purchases across the border you may…
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What HR Should Know About How Employee Benefits Has Changed Post-Pandemic
According to the 2022 Benefits Canada Healthcare Survey, over 80% of employee benefits plan sponsors believe COVID-19 will have an…
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New ICBC Coverages Explained: Income Replacement vs. Income Top-Up
As of May 1, 2021, ICBC’s new Enhanced Care coverage is in effect, which has introduced significant changes to BC’s…
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The Primary Threat to Sustainable Benefit Plans
The rising cost of prescription drugs is the single greatest challenge to the sustainability of most traditional benefit plans. This…
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Recent Changes to BC’s Strata Property Act
The COVID-19 pandemic has caused significant disruptions for strata corporations in fulfilling their regular duties and responsibilities. As of May…
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Avoiding the Bait – The Importance of Recognizing Phishing Attacks
With cyberattacks on the rise, it’s important for businesses to know how to identify and guard against them By…
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9 Yard and Home Maintenance Tips to Prevent Water Problems
Water damage can happen any time of year, but the risk is heightened when the snow thaws and the rain…
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ICBC Update: Individual Driver Factor
ICBC is all over the news again, and no one is surprised. Next to a sense of geographic self-righteousness (we…
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What is the Alberta hail suppression program and how does it work?
Alberta experiences many hailstorms each year, particularly in the “Hailstorm Alley.” This region stretches from High River through Calgary north…
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The millennial-led transformation of employee benefits plans
Millennials, born between 1981 and 1996, now make up the largest portion of the Canadian workforce. They are a uniquely…
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5 common phishing scams targeting Canadians
Have you received a worrisome email claiming to be from the Canadian Revenue Agency saying you’re in some sort of…
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New ICBC Product: Off-Highway Third Party Liability
On May 1, 2021, ICBC is introducing its new Off-Highway Third Party Liability coverage, along with a host of significant…
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13 Tips to Prevent Vehicle Theft in Alberta
Alberta has seen high numbers of vehicle theft the past few years. According to Equité Association, the top ten vehicles…
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The Key to Business Success? Your Employees
The best people want to work for the best employers. Now, more than ever, organizations must consistently offer beneficial incentives…
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Avoid RV rental scams: Learn about the 3 most common schemes and how to protect yourself.
Camping is a favourite past time of many Canadians. Many prefer RVs over tents for comfort and convenience. But most…
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Aviva ERS: Emergency Roadside Assistance for Trailers
As I’m sure you can imagine, towing a trailer makes your life much more difficult in the event you run…
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ICBC’s New Income Top-Up Coverage – What You Need to Know
We’ve been talking about ICBC’s new Autoplan model, Enhanced Care, for a few months now. For us, and for you,…
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There’s Coverage for That: Advertising Injury
What is advertising injury coverage? Advertising injury insurance protects businesses whose advertising infringes upon on the copyright or intellectual property…
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Honoring sovereignty: The importance of data access and Indigenous employee benefits solutions
Indigenous organizations face unique challenges when selecting group benefits programs. Many options, such as captive markets, closed markets and pooled…
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Questions to Ask Before Buying an RV
There are a LOT of questions to ask before you buy an RV. First, you need to figure out what…
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9 Campsites in BC That We Love and So Will You
An impressive amount of people at Acera Insurance are avid “weekend warriors.” Packing up the tent, bike, RV, or boat Friday…
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Preparing Your Commercial Building for Winter
Winter weather in Canada is notorious for extreme cold, snow and ice, which can come with significant challenges for commercial…
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Using Your RV During An Evacuation
The floods of 2013 and the fires of 2016 saw many Albertans fleeing their primary residences in their RVs -…
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New Procedure for Expedited Hearings with BC’s Residential Tenancy Branch
Under normal circumstances, the earliest a hearing with the Residential Tenancy Branch (RTB) can be scheduled once an application…
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How Employers Can Help Prevent Employee Burnout
As workplaces across Canada cautiously emerge from the pandemic, burnout among employees is widespread and rising. “The most common request…
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Workplace Safety for Small Businesses in Alberta
Workplace safety matters for every business regardless of size or industry. If you’re a small business owner ensuring your company…
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What are the best roof and exterior construction options for Alberta weather?
The weather in Alberta is known for its extremes of the cold and snow of winter to the hot and…
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Communication, Respect, and… Yoga?: How to Improve Mental Health in the Workplace
Mental health has been a topic of much discussion the past few months: what are the impacts of a global…
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Impact of New Drywall Tariffs on Construction in Canada
On Sept. 6, 2016, the Canadian Border Services Agency (CBSA) imposed gypsum board (drywall) tariffs after complaints that U.S. producers…
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BC’s Requirements for Fall Protection Plans
According to the Canadian Centre for Occupational Health and Safety, around 60,000 workers are injured each year from slips, trips…
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8 Summer Safety Tips for Your Strata
With sunny, longer days now upon us, many homeowners have started on projects both indoors and outside. Check the below…
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Home Furnace Maintenance in Alberta
Did you know that broken furnaces contribute to many property insurance claims each year? If your furnace dies or isn’t…
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