Search results for: “property insurance” (393 results)
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Investment Property Insurance
Investment Property Insurance Invested in protecting your investment property. Investing in real estate helps you build equity, generate passive income,…
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Personal
Seasonal Property Insurance
Seasonal Property Insurance Take care of your home away from home. Whether it’s a cabin in the woods, a condo…
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Business
Business Property Insurance
Business Property Insurance Tailored protection for your business assets. Business property insurance covers the cost of repairs or replacement of…
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Personal
Luxury Home Insurance
Luxury Home Insurance Above and beyond for high-value home insurance. Our dedicated advisors work with the best high-value home insurance…
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Personal
Home Insurance
Home Insurance Protecting your home and what’s inside. We know how important your home and personal belongings are to you…
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Personal
Life Insurance
Life Insurance Secure a future for your loved ones. Planning for the future can feel overwhelming, but protecting those you…
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Personal
Short Term Rental Insurance
Short Term Rental Insurance Worry-free short-term hosting. Short-term rental insurance offers specialized coverage tailored to the unique needs of vacation…
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Personal
Landlord Insurance
Landlord Insurance Safeguard your rental property. Owning rental property can be a rewarding experience, but it comes with unique challenges….
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Personal
Farm Insurance
Farm Insurance Experts in every field, including farm fields. Farm insurance is designed to protect farming operations as well as…
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Business
Faith Guard Insurance Program
Faith Guard Insurance Program Tailor-made insurance for religious organizations. Your religious organization is dedicated to providing support, guidance and connection…
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Personal
Tenant Insurance
Tenant Insurance Insure your space to ensure your peace. Whether you rent a house, townhome or condo, as a tenant,…
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Personal
RV, Motorhome & Trailer Insurance
RV, Motorhome & Trailer Insurance Peace of mind wherever you roam. We offer insurance for RVs of all types and…
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Personal
Valuable & Collections Insurance
Valuable & Collections Insurance Safeguard your collection’s legacy. As a collector of rarities and valuables, you’ve invested time, energy, and…
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Personal
Luxury Auto Insurance
Luxury Auto Insurance Higher coverage for your high-value vehicle. If you have invested in a more expensive vehicle, a standard…
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Personal
Motorcycle Insurance
Motorcycle Insurance The coverage you need to ride with confidence. Our dedicated motorcycle insurance experts are here to give you…
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Personal
Equine Insurance
Equine Insurance Insurance for horses and their people. Our equine insurance specialists are horse owners, riders and enthusiasts, and we’re…
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Personal
Collector Car Insurance
Collector Car Insurance Protecting your pride and joy. Our experienced advisors have years of expertise and can advise you on…
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Business
Cyber Liability Insurance
Cyber Liability Insurance Stay one step ahead of cyber risks. Cybercrime is one of the greatest threats facing Canadian organizations….
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Business
Beauty Care Professionals Insurance
Beauty Care Professionals Insurance Peace of mind for beauty professionals. From salon owners to chair renters and independent contractors, every…
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Personal
Condo Insurance
Condo Insurance Coverage beyond the condo corporation. As a unit owner, you need your own insurance to cover what’s excluded…
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Business
Equipment Breakdown Insurance
Equipment Breakdown Insurance Protect your essential equipment and systems. Equipment breakdown insurance can safeguard your operations when an unexpected surge…
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Personal
Cyber Insurance
Cyber Insurance Protect your family and home from digital threats. You protect your home and vehicle, but what about your…
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Business
Special Event Insurance
Special Event Insurance Make sure you’re covered for your next event. Special events are not typically covered under a business…
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Business
Hospitality Insurance
Hospitality Insurance Helping hospitality businesses keep the pace. If you own a hospitality business, our insurance experts are here to…
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Business
Business Interruption Insurance
Business Interruption Insurance Getting your business back on track. We know your business can’t afford to stop or slow down….
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Business
CICC Professional Liability Insurance Program
Français CICC Professional Liability Insurance Program Professional Liability insurance for CICC licensees. We’re here to provide important coverage to the…
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Business
Foster Parents Insurance Program
Foster Parents Insurance Program Providing added support for foster parents. Acera Insurance, in partnership with the Ministry of Children and…
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Business
Excess & Umbrella Liability Insurance
Excess & Umbrella Liability Insurance Extending your coverage for extra protection. What happens when your existing liability policy has reached…
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Business
Professional Liability Insurance
Professional Liability Insurance Reducing your risk, protecting your reputation. Professional liability insurance, or errors & omissions (E&O) insurance, helps protect…
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Business
Aviation Insurance
Aviation Insurance Comprehensive insurance to keep you flying. Acera Insurance provides a wide range of aviation insurance solutions to meet…
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Personal
Off-Road Vehicle Insurance
Off-Road Vehicle Insurance Coverage built for getting off the grid. Ensure you have peace of mind, even as you head…
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Personal
Strata Deductible Insurance
Strata Deductible Insurance Protect yourself against rising strata deductibles. Water damage and sewer backup deductibles on strata corporations’ insurance policies…
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Personal
Pet Insurance
Pet Insurance Find the right protection for your furry friends. We know your pet is a special part of your…
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Personal
Signature by Acera Insurance
Signature by Acera Insurance Specialty high-value coverage for your exceptional lifestyle. You’ve worked hard for your success and lifestyle. At…
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Business
Real Estate Insurance
Real Estate Insurance Protecting properties and real estate professionals. With decades of experience and specialized expertise, the national real estate…
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Business
Public Entities & Municipalities Insurance
Public Entities & Municipalities Insurance Covering those who serve Canada’s communities. Our specialized insurance programs, including risk management and claims…
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Personal
Firearm Insurance
Firearm Insurance Providing Canada’s first firearm insurance program. Acera Insurance has developed GunGuard, a specialty insurance program for firearm owners…
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Personal
Equine Club Insurance
Equine Club Insurance Protect your riding club. This program helps you protect your club as a whole, its members, owned…
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Business
Small Business Insurance
Small Business Insurance We help small businesses see the big picture. Small businesses can vary in terms of their size,…
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Business
Insurance for Indigenous Communities & Organizations
Insurance for Indigenous Communities & Organizations Specialized coverage for Indigenous communities. Acera Insurance is an exclusive provider of the Alliance…
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Personal
Critical Illness Insurance
Critical Illness Insurance Focus on healing and take care of your future. A serious illness can leave you facing not…
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Personal
Disability Insurance
Disability Insurance Coverage that works when you can’t. The financial stress of a sudden illness or unexpected injury can be…
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Business
Wrap-up Liability Insurance
Wrap-up Liability Insurance Your construction project deserves comprehensive protection. We provide tailored advice and innovative risk-related solutions to ensure you…
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Personal
Equine Coach & Trainer Insurance
Equine Coach & Trainer Insurance Coach and train with confidence. The high standards achieved by certified and experienced coaches and…
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Business
Hole in One Insurance
Hole in One Insurance Win-win insurance for golf event prizing. With this specialty insurance, you can create excitement at your…
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Business
Commercial Auto Insurance
Commercial Auto Insurance Take care of your fleet. If you use vehicles for your business, our team is here to…
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Business
Top Shelf Hospitality Insurance
Top Shelf Hospitality Insurance Bespoke insurance for Top Shelf Hospitality members. Acera Insurance has designed a customized insurance and risk…
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Business
Non-Profit Insurance
Non-Profit and Social Sector Insurance Empowering your mission with resilience. With a deep understanding of the core motivations and concerns…
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Business
Course of Construction Insurance
Course of Construction Insurance Gain complete confidence to start your build. A construction project carries a number of risks that…
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Business
Technology Insurance
Technology Insurance Tech is always evolving. Your insurance should too. With over 60 years of experience, we provide comprehensive technology…
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Business
Firearm Business Insurance
Firearm Business Insurance Minimizing risk for firearm businesses. Acera Insurance provides coverage and innovative risk-related solutions to firearm retailers, gunsmiths,…
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Business
Forestry Insurance
Forestry Insurance Cultivating the specialized coverage you need. Our devoted advisors bring deep expertise and experience to serve a variety…
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Business
Agriculture Insurance
Agriculture Insurance Insurance that fits your farm’s needs. Our specialized agriculture-focused teams have decades of experience in farming. Proudly serving…
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Business
Transportation Insurance
Transportation Insurance Keeping your business on the road to success. With decades of specialized experience in the transportation industry, our…
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Business
Pet Care Professionals Insurance
Pet Care Professionals Insurance Your pet care practice, our priority. From accidental injuries to unexpected losses, pet care professionals can…
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Business
Fine Art & Valuable Collections Insurance
Fine Art & Valuable Collections Insurance Specialized coverage for your valuable collectables. Whether you run an art gallery, a museum,…
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Business
Manufacturing Insurance
Manufacturing Insurance Lining up the coverage to reduce your risk. Acera Insurance has been proudly serving the manufacturing industry for…
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Business
Energy, Oil & Gas Insurance
Energy, Oil & Gas Insurance Canadian expertise, global capabilities. At Acera Insurance, our specialized energy, oil & gas team has…
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Business
Equine Business Insurance
Equine Business Insurance Protection for your business and your horses. Acera Insurance is a recognized leader in equine business insurance…
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Personal
Provincial Equine Associations Insurance
Provincial Equine Associations Insurance Equine coverage from coast to coast. As the architect of the Provincial /Territorial Equine Association insurance…
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Business
TrapAssure Insurance
TrapAssure Insurance A safety net for wildlife removal experts. Our specialized nuisance trapping insurance program protects you from unexpected expenses…
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Business
Jewellers Insurance
Jewellers Insurance Solutions to safeguard your jewellery business. With decades of specialized expertise, the advisors at Acera Insurance provide industry-leading…
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Business
Construction Insurance
Construction Insurance Coverage you can build on. Backed by decades of specialized experience in the construction industry — including dedicated…
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Business
Foster Parents Insurance Program
Foster Parents Insurance Program Providing added support for foster parents. Acera Insurance, in partnership with the Ministry of Children and…
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Coverage
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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Coverage
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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Coverage
Landlord Insurance in BC
Landlord Insurance in British Columbia Acera Insurance is pleased to provide a specialized insurance program designed exclusively for landlord insurance…
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Coverage
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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Coverage
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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Coverage
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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Coverage
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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Coverage
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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Coverage
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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Coverage
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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Coverage
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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Coverage
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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Coverage
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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Coverage
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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Coverage
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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Coverage
Miskanawah Group Insurance
Miskanawah Group Insurance Miskanawah employees can benefit from major insurance savings with our exclusive group discount program. Enter to Win…
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Coverage
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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Coverage
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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Coverage
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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Coverage
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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Coverage
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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Coverage
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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Coverage
Conklin Resource Development Insurance
In partnership with Conklin Resource Development Advisory Committee, Acera Insurance is proud to offer tenant insurance for their clients. Please…
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Coverage
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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Coverage
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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Business
Personal
Group Rates
Group Rates Working together to save on your home and auto insurance. Everyone wants to save on their insurance. Acera…
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Business
Commercial General Liability
Commercial General Liability Providing the critical liability protection you need. Commercial general liability insurance (CGL) is one of the most…
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Business
Business Liability
Business Liability Safeguard your business from unseen risks. With our expertise in business insurance and risk management, Acera Insurance offers…
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Coverage
Red Deer District Chamber Group Program
Red Deer District Chamber Group Program Red Deer District Chamber members get exclusive discounts and dedicated service with our group…
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Coverage
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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Personal
Equine Individual Liability
Equine Individual Liability Your personal equine insurance. Owning a horse comes with a lot of joy, but also some potential…
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Business
Directors & Officers Liability
Directors & Officers Liability Enhanced protection for your company’s leaders. Directors and officers are held to a higher standard than…
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Coverage
Commercial Valuables and Collections Quote
Connect with a Commercial Collections Insurance Specialist
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Business
Enterprise Risk Management
Enterprise Risk Management Plan, organize and control your risks. At Acera Insurance, we offer a wide range of enterprise risk…
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Business
Bonding & Surety
Bonding & Surety Securing your bond with expertise and efficiency. Our highly specialized, industry-leading surety experts provide professional advice for…
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Coverage
MSABC Group Benefits Plan – New
MSABC Group Benefits Plan As a member you have access to preferred rates and volume discounts on your group benefits…
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Coverage
MSABC Group Benefits – Existing Plan
Manufacturing Safety Alliance of BC Group Benefits Plan Keep your coverage & save 10%! As a member of the Manufacturing…
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Resources
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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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Over-Insuring or Under-Insuring Your Small Business
Your business isn’t just a job; it’s a passion and it’s your livelihood. But no matter how much effort, time…
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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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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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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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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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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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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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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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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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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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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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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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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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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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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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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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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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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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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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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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The Facts About Recreational Vehicle Insurance
Summer is in full swing, with millions of Canadians taking advantage of the warm weather to hit the trails on…
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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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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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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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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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Mandatory vs. Optional Auto Insurance in Alberta
Driving is risky. Every time you get behind the wheel, there is a chance you could injure yourself or someone…
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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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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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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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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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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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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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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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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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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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How do I insure my hobby farm?
If you live on an acreage or a farm it’s important that it’s properly protected. A hobby farm is generally…
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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’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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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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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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Insurance for Canadian Snowbirds
Many Canadians head to warmer climates to escape the long, cold winter. Whether they go for a month or six,…
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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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Do you need drone insurance in Alberta?
With innovative technology comes fun and new business opportunities but also risks and responsibility. This is especially true when it…
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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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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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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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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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What You Need to Know About Manufactured Home Insurance
Manufactured homes differ from traditional homes in that they are usually built at a separate location and shipped to their…
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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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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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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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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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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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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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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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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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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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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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How do I get a certificate of insurance?
You may be asked to provide a certificate of insurance from a client financial institution insurance company event venue and…
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Rogers Insurance acquires Polaris Solutions
Note: This announcement was released before Rogers Insurance and CapriCMW merged to become Acera Insurance. Rogers Insurance Ltd. is pleased…
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Janzen Insurance
JANZEN CLIENT ACCESS POINT LOGIN Janzen Insurance is now Acera Insurance. Janzen Insurance has transitioned to becoming Acera Insurance. As…
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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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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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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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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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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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Legal Expense Insurance: What You Need to Know
If asked to name the most litigious place in the world most Canadians would look directly south for their answer….
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FAQ: Does RV Insurance Cover…?
What is covered by your RV insurance will vary by the insurance company and individual policy. There are lots of…
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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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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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CCV Insurance
CCV Insurance is now Acera Insurance. CCV Insurance, as part of the Rogers Insurance Group, has transitioned into Acera Insurance….
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Insurance for DJs: Keep the Turntables from Turning on You
Every party needs music. We might argue over what it should be, but we all agree that it’s a must….
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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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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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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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Am I covered for storing business property off-site?
Any business owner knows that good insurance coverage whether for property stored on-site or off-site is imperative to the overall health…
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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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A-WIN Insurance
A-WIN Insurance is now Acera Insurance Broker Network. A-WIN, as part of the Rogers Insurance Group, has transitioned to Acera…
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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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Do I need to let my insurance company know if I’m working from home?
More and more Canadians are working from home full-time or part-time – especially thanks to the Covid-19 pandemic. Others are…
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Do you need flood insurance for condos?
Unless you live on the ground floor in a condo, you might think you don’t need flood insurance (known as…
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Legal Marijuana Grow Ops: An Insurance Perspective
With the legalization of marijuana now officially given a date and many legal growing operations having already emerged to provide…
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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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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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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 does an at-fault accident affect my car insurance?
Depending on the province you live in, who is at fault in an accident is incredibly important: it determines who…
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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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Does home insurance cover my child while away at school?
If your child is moving away for university or college, you may wonder if your home insurance will cover their…
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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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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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Home Insurance for Dog Owners
With roughly six million household dogs in in Canada someone suffers from a bite roughly every minute. Granted we love…
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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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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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Returning to Work May Impact Your Auto and Home Insurance
While uncertainty around COVID-19 still exists, many people are being told the return to work is imminent (if they’re not…
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Do I need to insure my RV when not using it?
There are a lot of reasons you might not be using your RV and you might have begun to wonder…
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ATV, Snowmobile and Dirtbike Insurance
At Acera Insurance, we love the outdoors! That’s why we’ve spent years creating insurance programs exclusively for off road vehicle…
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What Every Owner Should Know About Insuring Their Vacation Home
With summer in full swing, many across BC are running off to their cabins or other vacation properties to unwind…
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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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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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Rogers Insurance
Rogers Insurance is now Acera Insurance. Rogers Insurance Group has transitioned to become Acera Insurance. As one unified company, we…
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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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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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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 we need insurance for a backyard wedding?
A backyard wedding can be a great way to have an intimate and relaxed ceremony and save money on a…
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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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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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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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Acera Insurance welcomes Joseph Carnevale as Regional President, Eastern Canada
March 19, 2025 — Acera Insurance Services Ltd. is pleased to announce Joseph Carnevale has joined the organization as Regional…
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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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A strategic approach to help wood product manufacturers save on insurance
In the wood products manufacturing sector, a traditional strategy to reduce insurance premiums might include increasing deductibles, reducing coverage, assuming…
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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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Cost to insure vacation homes spikes in popular areas of North America
Catastrophic events such as wildfires and floods are making it increasingly difficult to secure property coverage for recreational properties and…
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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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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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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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Does my home insurance cover e-bikes?
The popularity and accessibility of e-bikes have skyrocketed in recent years, and they are an increasingly common addition to households…
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Acera Insurance expands to Saskatchewan with BMA Group partnership
Jan. 9, 2025 — Acera Insurance Services Ltd. is pleased to announce its partnership with BMA Group, one of the…
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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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Weeding Out the Confusion: Cannabis and Home Insurance
Last October, the insurance industry was abuzz with theories, worries, and wonderings about the impact of the legalization of recreational…
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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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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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Important Insurance Coverage for Students Heading Back to School
Over the next few weeks most college and university-bound students will be packing up personal belongings and getting ready for…
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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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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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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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Event Insurance: What You Need to Know
Spring is in the air (almost) and so kicks off the season of celebration. We tend to get a little…
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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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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 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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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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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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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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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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How renovating to protect against severe weather can help save on home insurance
Renovating your home to protect against extreme weather can help minimize potential damage, improve the value of your property and…
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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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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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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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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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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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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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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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Drunk Driving and Insurance: how does it impact the convicted and the victims?
If you’ve ever been in a fender bender, you know just how stressful the entire situation can be, from filing…
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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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Are my shed, garage and other outbuildings covered by home insurance?
Most homeowners have a shed, garage, deck, fence or another type of outbuilding on their property – or even multiple…
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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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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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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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Know the Exclusions in Your “All-Risks” Construction Insurance Policy
For those in construction and property development, it is important to understand the limitations of “all-risk” property insurance policies. A…
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How brokers can develop a better understanding of insurance for Indigenous communities
There are important nuances and considerations that make insuring property on reserve land different from insuring property in a municipality…
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If my case is settled out of court will my insurance rates go up?
After a car accident fault is assigned– this means figuring out who caused the accident. The at-fault driver’s insurance will pay…
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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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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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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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Are you Covered for That?: Tool Insurance for Tradespeople
According to CTV News, the Victoria police reported an increase in break-ins in the area this spring, at both commercial…
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What is service line insurance coverage and do I need it?
Would it surprise you to learn that the service lines that bring water, power, data and communications to your home…
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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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Sitemap – Personal Insurance
Sitemap Acera Personal Insurance Business Insurance Sitemap Group Benefits Sitemap Products Coverage
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Sitemap – Business Insurance
Sitemap Acera Business Insurance Personal Insurance Sitemap Group Benefits Sitemap Products Coverage
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The All-Comers Rule and Alberta Auto Insurance
What is the all-comers rule? The all-comers rule means that in Alberta no one can be denied car insurance. In…
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There’s Coverage for That: Equipment Breakdown Insurance
Office workers know there are few things as frustrating as broken printers. For most of us, the copier/scanner/printer/fax machine (or…
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Stratas can terminate by 80% owner vote
In a previous article, we outlined the changes that would be coming to BC’s Residential Tenancy Act and Strata Property…
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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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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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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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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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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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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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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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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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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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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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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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Global crisis to local disruption: Supply chain challenges for Canadian manufacturers
The trade war between the US and Canada is a stark reminder of how manufacturers north of the 49th parallel…
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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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Surrey Board of Trade
Proud Partner of the Surrey Board of Trade Connect With Us With roots in BC dating back to 1975, Acera…
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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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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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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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Leadership
Leadership Providing guidance for ongoing growth and success. Our leadership team guides our nationwide organization in a collaborative manner that…
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Dorey & Tolgyesi
Dorey & Tolgyesi is now Acera Insurance. Dorey & Tolgyesi has transitioned to become Acera Insurance. As one unified company,…
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Endorsements 101: What They Are and How They Protect You
When searching for home or auto insurance, you want to ensure you have a well-rounded, cost-effective plan to meet your…
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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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Sylvan Agencies
Sylvan Agencies is now Acera Insurance. Sylvan Agencies, as part of the Rogers Insurance Group, has become Acera Insurance. As…
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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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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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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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Tips For Buying Your First Motorcycle in Nanaimo
Buying Your First Motorcycle in Nanaimo, BC: Pro tips from Acera Insurance If you’re in the market for your first…
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Alberta new drivers’ checklist
Did you know that within ninety days of relocating to Alberta, you must register your car under an Alberta license…
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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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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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Megson FitzPatrick
Megson FitzPatrick Insurance is now Acera Insurance. Megson FitzPatrick, as part of the Rogers Insurance Group, has transitioned to become…
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Get a quote (CapriCMW)
Get a quote CapriCMW is now Acera Insurance. Our name has changed, but our team of expert advisors remains the…
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Am I covered if I lend my boat to a friend?
Even with the short boating season and summer weather calling sometimes you can’t always get out to the lake to…
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Auto Hibernation: Storing Your Motorcycles and Other Seasonal Vehicles in BC
Winter is coming, or so the internet keeps saying. In Victoria, where the temperature has dropped to 14 degrees, people…
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4 Steps to Prepare Your Home for Spring Flooding in Alberta
Thanks to snowmelt and seasonal rainfall, late spring is the season for flooding in Alberta. Flooding can occur from a…
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Risk Management 101 for Businesses in Burlington
Running a business is no cakewalk, so it’s no surprise that implementing a proper risk management strategy is critical to any organization…
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What is a Surety Bond? Surety Bond Definition & Other FAQs
Whether you’re a new business or one that’s been around for a while, you may have heard the term “surety…
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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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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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Employee Theft in Alberta
How big of an issue is employee theft? According to a study done in 2012 by the Association of Certified Fraud…
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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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Ensure your special event goes off without a hitch
Spring is in the air and wedding season is upon us! The warmer months see the return of weddings and…
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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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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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Pros and Cons of Full-Time RV Living
Are you thinking about living full-time in your RV? We’ll go over the pros and cons of full-time RV living…
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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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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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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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Which loss settlement option is best for me?
Insurance is designed to help replace damaged stolen or destroyed property. While its purpose is pretty straightforward how that works…
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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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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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Terms and Conditions
Terms and Conditions Legal These are the terms and conditions which apply to your use of this website. Please read…
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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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Where to Camp for Free in Alberta
Camping can be an affordable option for adults or families to enjoy rest, relaxation and recreation. Thankfully, there are many…
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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 to Protect Your Farm from Flooding
Flooding can damage farm property, delay and/or reduce harvests, interrupt supplies and utilities, and cost the lives of livestock and even people. In this article,…
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Get a quote
Let’s get your quote started. Looking to renew your ICBC Autoplan? Request Renewal Here
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3 Ways to Protect Your Home from Wildfires
The memories from wildfires which ravaged Fort McMurray in 2016 and Slave Lake in 2011 are still recent in our…
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Earthquakes in BC: A Shaky Reality
Earthquakes in British Columbia can cause significant damage to homes and possessions, and without the right insurance, the financial burden…
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Benefits of Hitting the Books – CIP Designation
We recently had two employees from Acera Insurance (formerly Rogers Insurance) graduate from the Insurance Institute of Southern Alberta (IISA)…
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Emerging cyber threats in 2025: Top risks for Canadian businesses
The threat and cybersecurity landscape are evolving rapidly, bringing new complexities and challenges. The domain of cybercrime has transformed from…
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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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3 tips to prepare your business for flood season in Alberta
Flooding is the most common natural hazard in our province, yet it often takes Albertans by surprise each spring. Now…
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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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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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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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What’s the difference between a vacant dwelling vs an unoccupied dwelling?
Your home insurance: what’s the difference between a vacant dwelling vs an unoccupied dwelling? And why it’s important? Keeping your…
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Are your trades putting you at risk?
Does your company utilize subcontractors to provide services for you or your customers? Would you be adequately protected should a…
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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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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 AI-powered manufacturers can address cybersecurity threats
Artificial intelligence (AI) technologies have emerged in recent years as a transformative force in the manufacturing industry, driving efficiency and…
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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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The Hidden Costs of Rebuilding After a Loss
Property insurance is designed to repair or replace your property after a loss has occurred. If you have ever insured…
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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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Protecting Company Vehicles
Your company’s vehicles are one of your biggest investments as well as a critical component of your operations. Protecting your…
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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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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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Do I need to have someone check on my home while I’m away if I have smart home monitoring?
Smart home monitoring systems are steadily gaining popularity. These include doorbells that can tell you who’s on your front porch…
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Am I covered if I don’t wear a helmet on my OHV?
Despite how fun riding an off-highway vehicle (OHV) can be, it can also be very dangerous. An average of 19 Albertans…
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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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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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Reception Form
Reception Form Please submit your lead for the Alberta and Ontario new business teams here. This form is for reception…
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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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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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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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Snowmobile Safety 101: Expert Tips for a Risk-Free Ride
Snowmobiling is a beloved winter activity for many Canadians — however, it can come with a lot of risk. On…
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A Canadian perspective on how businesses can navigate geopolitical risk
In this in-depth two-part series, Acera Insurance’s Aliya Daya, Senior Client Executive, explores the different ways geopolitical risks are impacting…
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6 Tips for Protecting Your Strata Unit While You’re Away
As travel within Canada and internationally resumes, you may be already have plans for your next vacation. Leading up to…
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Five Tips to Keep You Safe During Your Holiday Travels
If you’re going to be away this holiday season, there are some important steps for you to take before and…
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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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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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10 Ways to Protect Your Business from Liability Risks
A single lawsuit can sink a small business. Here are 10 ways to protect your business from liability risks: Identify…
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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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How to Protect Your Business from Break-and-Enters
Businesses are popular targets for break-and-enters. This type of crime is often a crime of opportunity; criminals look for businesses…
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Where to Camp for Free in Saskatchewan
If you’re aiming to keep costs down this year, check out this list of where you can camp for free…
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Group Camping in Alberta
Whether you’re looking to camp with a big group for a special event or just to spend time with friends…
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What You Need to Know to Build a New Dock in BC
If you are looking to build a new dock on BC waters, there are some legal requirements and an approval…
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Leaders and Liability: Dishonesty in Non-profit Organizations
Directors and officers liability provides insurance coverage for liability arising out of wrongful acts. Non-profits, whether they appear to be…
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What is a garage policy?
If you’re one of those people who love motor vehicles in all forms shapes and sizes and you happen to…
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Understanding the Risks of OPCF 49
Effective Jan. 1, 2024, Ontario drivers will be offered a new optional endorsement on their auto insurance called OPCF 49…
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9 Tips to Have a Sustainable Yard in Alberta
Our yards can have a significant impact on the local environment as well as on water and energy use. Traditional…
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Where to Camp for Free in BC
There are many incredible places to explore across British Columbia. If you’re on a road trip, you might be looking…
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4 Ways Commercial Landlords Can Pursue Tenants for Unpaid Rent
In BC, there are a number of legal options for commercial landlords to seek payment from tenants who default on…
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Serving Alcohol at a Hosted Event
Most companies have the occasional function which may include the opportunity for the staff and their guests to enjoy some…
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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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BC’s Temporary Rental Supplement Program
To support both tenants and landlords affected by the COVID-19 crisis, the BC government has announced the Temporary Rental Supplement….
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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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How the Land Owner Transparency Act Will Affect Developers in BC
The Land Owner Transparency Act (LOTA), expected to come into force later this year, will introduce a public registry designed to identify…
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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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How to Secure a Load Safely on Your Vehicle
Did you know that you’re held responsible if something falls off of your vehicle? If your unsecured load causes property…
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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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What Strata Corporations Should Consider When Looking to Sell and Dissolve
Land assembly is a common phenomenon in BC, historically involving a group of single family homeowners bundling the sale of…
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BC Announces New Enforcement Unit for Residential Tenancy Branch and Education Program on Tenancy Law
Following recommendations from the Rental Housing Task Force, the Government of BC has announced a new compliance and enforcement unit within…
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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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Winter Storage for RVs in Alberta
Unless you’re a lucky Albertan who heads to warmer destinations for the winter, you’ll likely be parking your RV for…
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What Legalization of Recreational Marijuana Means for BC’s Landlords and Tenants
As of October 17, 2018, recreational marijuana will be legal across Canada. The Cannabis Control and Licensing Act (CCLA) will officially…
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The Wellness Needs of Indigenous Communities and Employee Benefits
Wellness, as defined by the National Aboriginal Health Organization (NAHO), is a state of complete physical, mental and social well-being….
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What to Include When Making an Emergency Plan
If you had 20 minutes to pack up and leave your home due to flood or fire warnings, what would…
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BC builders take note – new sprinkler requirements are coming July 2017
As of July 20, 2017, a new BC Building Code update will take effect. Sprinklers will be required on balconies…
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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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