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If you are a trucking company operating in the city of Edmonton or person who moves roads of the city, you may be interested to know that there are plans envisaged by the city Council to increase the enforcement agents within the city. Why? This is an effort to help combat the following :. Excessive noise and pollutant emissions of road damage, monitoring of truck loads and identification of commercial vehicles taking shortcuts through neighborhoods

There were three options proposed help combat the above:

Option # 1 - increase labor and inspections

Edmonton City Council seeks to increase inspections 0 to 3000 to facilitate the increase, the plan requires more than five (5) agents (each responsible for inspecting approx. 0 vehicles a year), with an estimated cost of about $ 0,000 per year. It has been suggested that this cost could be offset by $ 250,000 in new fines; making the total net cost to taxpayers $ 350,000 per year. Based on the current rate 'Out-of-service "in Alberta to 34%, this means violations would be available on more than 1/3 of inspected vehicles (each vehicle could face fines of about $ 245.)

Option # 2 - $ 50,000 Education campaign

Option # 3 -. Better use the application already in place.

This option would see Edmonton develop a broader cross-training initiative for all employees, rather than having a number assigned specifically trained and assigned to patrol commercial trucks. A fair market comparison of the training costs on a broader spectrum of staff would be prudent.

Of course, there is a balance between keeping customers happy and arriving with cargo on time and undamaged. It is fair to assume that most trucking companies manage their affairs so as to have their employees break the law or disturb their fellow citizens. In such situations, it is essential to consider all aspects of the debate, to help each gain useful insight stakeholders. For example: the City of Calgary developed the "truck route committee" including representatives from Alberta Transportation AMTA and police City of Calgary. This committee has proven to be useful and beneficial because they meet regularly to discuss road routes, volumes and other issues.

Ultimately the residents of these cities and consumers, we must remember that we rely on this profession deliver our groceries to our local groceries, medicine to pharmacy, wood our parks wood. It is important to balance our needs with appropriate and timely solutions.

What do you think is the best option for all stakeholders?

For more information on trucking and truck routes in Edmonton here

During the winter season (which can last forever in Canada) it is important for professional drivers of commercial vehicles to prepare for changes in extreme road conditions

black ice and white outs or extra powder snow packed, the best advice we can offer is to follow the old scout mantra.! Be prepared

Here are some things to remember when you are ready for a trip :.

• Check the weather forecast for the areas you travel
• Inspect tires depth of sculpture, cold weather can result in a more rapid loss of air pressure.
• Ensure chains tires are in good condition and, above all, you know how to install them.
• Wear warm clothing, waterproof boots water, drinking water and non-perishable foods such as cereal bars or licorice (or both!)
• Make to have extra washer fluid on hand.
• See and be seen. Ensure mirrors, headlights, and all rear lights and clearance lights are free of snow and ice and are in good condition.
• Consider investing in winter wiper blades.
• Clear snow and ice on top of your tractor and trailer, the excess can cause unwanted insecure load ticket and the possibility of decommissioning violation. And so you are aware, the inspection station are not the responsibility of providing a way to clear excess snow!

Regarding driving in adverse weather conditions such as snow and / or ice conditions, a decrease in speed and an increase the following distance can be priceless. The most dangerous situations are those where traction is lost, which prevents the vehicle to respond to acceleration, deceleration, hard braking, stopping or direction as this could occur by slipping on a patch of ice black, maneuver in deep snow or trying to slow down the packed snow; resulting in a skid or having jackknifing of the trailer. A professional driver of a commercial vehicle should never use engine braking in wet conditions, snow or ice. The stopping distance on ice at 0 degrees is twice the distance it is 20 degrees

How to drive safely around commercial vehicles (particularly 18 wheelers):

for the rest of us not drive a commercial vehicle, it is important to understand how to share the road in any weather, but especially unfavorable time.

• Keep in mind that trucks are like sails, they can be blown around by strong winds. Be careful in passing.
• The trucks have blind spots everywhere. See picture for "no-zones" (the player safely)
• If you have to, do it quickly. The best way to spend a 18-wheel is on the left side.
• Do not cut in face! It may take a truck to the length of three football fields to come to a complete stop from 100 km / h
• and an SUV or AWD car can offer better traction for you to go, all vehicles even brakes, which means the ice wrong, or not at all.

common sense, preparation, foresight and being prepared for any weather could dish out while traveling, can go a long way to reduce or eliminate a potentially disastrous situation

be prepared, be safe winter driving Happy

Blog Author Lori Christensen | Rogers Stieg Transportation Insurance Ltd.
References.!: Old Republic Insurance Company of Canada (orican.com) intelligent Motor carrier safety Administration DriverFederal (fmcsa.dot.gov) Drive safe (http://www.drive-safely.net/ truck safety training.html)

The Rogers assurance management team of 250 dedicated employees and the largest brokerage firm owned by its employees in Alberta. They believe that if their employees are engaged in the community and given the opportunity, with support, to volunteer and raise charitable funds, they will be more satisfied with their jobs. They believe in taking the human approach to their industry and employees. They continue to have an impact in the community through fundraising, volunteering and community projects.

The level of community participation made by Rogers Insurance distinguishes them from their competitors and in turn, offers many advantages, including loyal customers and happier employees. That's why giving back is an initiative everyone Rogers Insurance is proud.

"We are honored to be recognized by Keal for our community involvement we believe in empowering our staff to be involved in the community and provide opportunities, with support, to volunteer and collect charitable funds as an organization. "says Karyn Fair, Vice President, Rogers Insurance Management Ltd." We believe in taking the human approach to our industry and our employees and it goes beyond our community. in most of our charity, Hull, services that we support with both donations and volunteer hours, we also sponsor the annual race Rogers Insurance for L'Arche, which has raised more than $ 150,000. the Ark
e Calgary homes and programs are for people with intellectual disabilities. We are also strong financial supporters and the administrative backbone of Sinclair, a golf tournament of the insurance industry. Since 1994, Sinclair has raised over $ 540,000 for WICC (Women in Insurance Cancer Crusade), Mount Royal University and the heart of Alberta and Stroke Fund. Our level of community involvement gives us so many advantages, including loyal customers and happier employees. That's why giving back is an initiative everyone Rogers Insurance is proud. "

Thank Keal Technology to recognize that price us.

In the absence of a declared value on the waybill, your products can not be fully covered by the carrier or the insurance carrier for the loss.

as the bill of lading is the contract between the shipper and carrier. For example, it contains details such as the name and address of the sender (the seller or the person subject of wanting to be shipped), the date, the point of origin, the names of the carriers (s 'there is more than one), name and address of the consignee (purchaser or recipient of the goods), destination the goods are shipped and the details of the goods shipped, including weight and description for name a few.

Under the bill of lading Alberta and conditions of carriage regulation AR313 / 02 Schedule 3 General Conditions of Carriage (General Hauling), Section 10 - Limits the maximum liability to $ 2 pound ($ 4.41 per kilogram), unless a higher value is declared on the face of the bill of lading by the shipper.

what this means is that if you send $ 100,000 in goods that weigh 10,000 pounds, and these products are damaged or lost in transit, the carrier would only be legally liable to you for a maximum of 20 000 $.

to ensure your belongings are adequately covered for their true value, you must always declare the value of the goods on the bill of lading. For property with an exceptionally high monetary value, you should always be asking the carrier's insurance certificates to verify coverage, limits and deductibles that your products will be subjected to.

If you have questions about the above or other alternative transport insurance, please contact your Rogers Stieg Transportation insurance broker who will be happy to discuss the best way for you to manage this risk.

While the slowdown continues, more companies are considering the directors and officers liability insurance and those who wear it are carefully examined the limits and options

most D & O policies share a boundary of responsibility between all the political cover lines, including the entity

for example: .. ' ABC has four directors. If they have a D & O liability insurance policy of $ 1 million, they share their limit of $ 1 million among the four directors and officers, as well as the company itself. D & O cover regular entity and individuals personally. In the case of a claim if the four continued the limit of $ 1 million is shared between them.

This can put the company in a position where it is not enough to limit for individual directors and officers. It is important for directors and executives within an organization to be fully informed about the company buys coverage. A deficit of coverage could mean their personal assets are at risk.

This is where "SIDE A DIC 'coverage kicks in. This is a stand-alone policy that provides coverage exclusively for directors and officers (not the entity) when the company can not indemnify (pay .)

for example: if "ABC" bankrupt and the money is there to pay employee salaries, employees could turn around and try to sue the company, including directors and officers. In this case, if "Side A DIC" is up individual directors / managers have more coverage with specific limits.

Want to know more? Chat with one of our expert dealers -> 1.844.469.4678

A walk in the dog park is all it took to inspire Andrea Racette (recruiting coordinator Rogers Insurance) to become a "Big Sister" with Big Brothers Big Sisters of Calgary.

"I came across a Big Sister & Little Sister at the dog park and was told about the program. It was something I was already interested, but they made me continue, "said Andrea.

the process of becoming a" Big "(like" Big Sisters "and" Big Brother "refer to themselves) is quite long. Three months have passed from the moment Andrea completed the application, the first activity she and her 'Little' attended. a mentor must commit to a year in which they must be available at least once a week for 2-5 hours to attend activities. 'Bigs' must also go through the screening of criminal records and provide references.

once they move in the selection process, 'Bigs' go through the training provided by the organization. The training is set up to provide scenarios and hypothetical circumstances they have to navigate properly. The sessions shall ensure that the "Bigs" are equipped to deal with different circumstances (sometimes disturbing).

The program is set up to give young children and teenagers 6-17 positive role models. "Bigs" and "Littles" are matched based on interviews. So they take your application and then set up talks on this basis. It's pretty cool! "It also gets everyone and involved in the community, but in the end, the ultimate goal is to" Bigs "to be a positive impact on young people Among some Andrea activities and 'Little' part are:.. Bowling, visits to the dog park, roller skating and more. "the activities need not be expensive, they just have to be different each week," said Andrea.

For Andrea, the greatest reward is to see his 'Little' out of his shell. "When I met my little sister, she was shy, but now it is exciting to see how she came up with her confidence and willingness to participate in activities that would otherwise not have the chance to do it . "

Andreas advice to others interested in becoming a "Big Sister" and "Big Brother": you need to be committed and know that you have the time. It is important to your development "Littles" they can count on their "Bigs" to be there and it's important to finish what you start.

"Children and teenagers need good mentors. This program is an opportunity that requires you to get out in the community, to try new things and have a significant impact on our youth. "

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Ridesharing - using your personal vehicle to carry other for compensation - received attention media in the last month ?. Much of the controversy and confusion surrounding companies like Uber, which help facilitate paid trips.

People like the idea of ​​carpooling, but reliable information on the legality and insurance implications of this activity is difficult to find. We are about to change.

Is To book a legal place?

Although some cities and provinces are working to ban Uber, it's not the only problem. deal with individuals who choose to generate revenue by providing carpooling services in personal vehicles

the biggest problem is the following: whether services like Uber are legal, your insurance policy personal and class 5 license prohibit the use of your vehicle for hire -. and your rental car most probably banned as well

Does my personal car insurance cover me while transporting passengers Uber

unlikely ?. to our knowledge, no personal insurer in Alberta currently covers private vehicles used to transport passengers for compensation. This includes paid travel, whether or not a service like Uber is involved.

Why? The Alberta government has imposed a standard auto insurance policy, which is the sole carrier of the auto policy can sell for regular personal auto insurance in Alberta. This means that your personal auto insurance cover basic and exclusions are the same regardless of the company that sells you a personal auto insurance policy.

This exclusion can be found under general conditions, 8 (c) in the Alberta Automobile Policy SPF standard 1: "... the insurer will not be liable under this policy while automobile ... is used to transport passengers against compensation. "

My insurance company says they develop a cover for Uber drivers.

Account given the popularity of services like Uber, it is logical that insurers will develop new blankets to meet the needs of their customers. However, insurance is only part of the equation. the other side of the subject, few speak, is the fact that your coverage is void if you are driving your car illegally, no matter what kind of coverage you purchase.

Why this question ? This is where your license comes in. most Albertans have enabled standard 5 class operator, which not allow the passenger driver for hire.

This means that the use of car hire, as holder of the license class 5, is in violation of the restrictions of your license -. which can cancel your insurance and can be ticketed offense if you shot

The carpool company I use has an insurance policy $ 5,000,000. Will do for exclusions of my own insurance? Not necessarily. One application providers the most visible Voyages now claims that they provide $ 5,000,000 of contingent automobile liability for passengers, pedestrians and other third parties. That sounds impressive, but look carefully: they provide liability insurance to third parties. This means that the coverage they provide could cover injury or property damage to others if you are involved in an incident, but it probably will not cover damage to your own vehicle.

This is similar to carrying only liability insurance on your own policy covers others for injuries or damage you cause, but it does not cover you for damage to your own vehicle

another thing .: if you rented your car, you have another serious problem. Rental agreements usually contain a clause defining the permissible use of the vehicle, generally stating, "you must not use or permit the use of the vehicle ... to transport anyone." They can do this because the leasing company owns the vehicle and has the right to determine how it can be used by the person who rents it.

As you know, in violation of the terms of your contract is the cause for the vehicle to enter. Under the terms of your contract, this could expose you to additional financial implications, in addition to losing your mobility.

What's the final word? For now, "wait and see." At that time, one or more of the above concerns is likely to affect ordinary people who decide to use their vehicles for the purpose of carpooling. As tempting as it can be to make a quick profit or two using services like Uber, you are best to avoid legal security issues, financial and personal potential arising from the carpool activity.

blog Author: Stefan Tirschler | Account Executive | Rogers Signature Service

More information

Your estate is the sum of a hard life, smart investment and reasonable financial planning. It is your greatest legacy to your loved ones.

No matter how young or old you are, you much wealth you have amassed if you, Aore married with children or even, everyone can benefit from developing an estate plan . But many people spend a lot of time and effort to accumulate personal wealth and very little time preserve

Here is a list of points to consider :.

• Take inventory of your home and make a list of all items that are worth $ 100 or more.
• Add your non-physical assets. Consider including RRSPs, RRIFs, bank accounts, life insurance policies and all other existing insurance policies, such as long-term care, homeowners, auto, disability, health And so on.
• List all credit cards and debts. Include as auto loans, existing mortgages, lines of credit, open credit cards with and without balances and other debts you might owe.
• Make a list of all organizations and charitable membership you have. Include all other charities you support or make donations.
• Review your retirement accounts. Accounts and policies where you list beneficiary designations bypass your will and probate directly to that person or entity listed on your death.
• Simplify your life. If you, AOVE changed jobs over the years, it, AOS likely that you have several different pension plans. Consider consolidating these accounts into one single account to take advantage of the best investment choices, lower costs and a larger selection of investments.
• Put a plan in place to cover future health care and nursing home care costs if your property won, AOT be eroded by mounting medical expenses.
• Anyone over 18 should have a will. It is the book of rules for the distribution of your assets and it could prevent havoc among your heirs. Your will, enduring power of attorney and the personal directive planning documents are sufficiently inexpensive to prepare.
• Regularly review your will, enduring power of attorney and personal Directive every two years and after any major life changing events such as marriage, divorce or birth of a child.
• Select and confirm the availability of your executor / liquidator. Don, AOT immediately assume that your spouse is the best choice. Think of all the qualified people and how emotions related to your death could affect their ability to decision making.
• Visit a financial planner. It, AOS still a good idea to have an investment plan and comprehensive insurance at least every five years. As you age, life throws many curveballs. (For example :. long-term care, etc.)
• Understanding how taxes will affect your estate
• Understand that taxes could deplete assets such as RRSPs, RRIFs and pensions by as much as 50% left. a non-spouse beneficiary.
• know what income your family get the estate.
• Understanding all group life insurance provided by your employer on your life and that of your spouse will end or reduce your retirement.
• Maintain the beneficiary designations on your life insurance policies, pension plans and RRSPs.
• Understand that like RRSPs, the income tax on capital gains can be deferred until the spouse died, AOS survivor or until the asset is eliminated.

succession planning is simply more than having a will. There is an ongoing planning process that can alleviate the financial burden for your loved ones. Spend the time now to arrange your affairs so that you can help those you leave behind understand, resolve and prepare for any problems that may occur when settling your estate.

Cyber ​​attacks have become a hot topic these days, not just in the world of insurance, but coverage both on and offline media.

In fact, cyber security became major news, with recent attacks on health services in Alberta and retail franchise target. More worrisome is the recent Bug heartbleed, which paralyzed the websites, including the Canada Revenue Agency and Yahoo.

This kind of cyber security problems have created a lot of panic among homeowners and commercial organizations. Fortunately, there is a way to protect yourself in case of a cyber attack. The following website provides information on cyber security measures you can take. For more information on the risk of a cyber attack, you can ask one of our insurance experts.

What is a cyber attack?

No doubt you've spent time surfing the net, maybe you bought a few things on eBay or Amazon. Maybe you signed up for a webinar or regularly participate in social networking sites like Facebook, Twitter or LinkedIn. Each of these operations can pose risks to cyber security for you as an individual and company or organization that you are interacting with.

A cyber attack can be as simple as transmitting a computer virus to another party, a violation of privacy policies or theft, corruption and destruction of data. A cyber attack can also consist of more sophisticated activities such as hacking or denial of service.

You are probably wondering how this happens so easily and frequently. Generally, in order to participate in most online activities, you need to share personal information such as your name, address, email, date of birth or credit card details. When the transaction occurs, and your information is collected and stored, there is a risk that the data may be exposed either through information theft by hackers, computer viruses or fraud.

For victims of a cyber attack, it can be a frightening experience and rape. The good news is that most companies getting their protection by implementing a more sophisticated security infrastructure available. These same companies are covering all bases by choosing to cover liability of cyber space. Traditional commercial insurance policies were originally designed to protect physical assets, not virtual property such as data. Cyber ​​liability coverage, however, is a way to protect your business against cyber crime, cyber terrorism and cyber attacks are general.

Does my business need a cyber liability coverage?

In most cases, the short answer is a resound "YES!" If you collect and store personal information (whether for customers, patients, suppliers, etc.), then you should definitely consider a cyber liability coverage to protect you in case your data and online security systems compromised.

it is also important to note that there is not that big companies who are at risk of a cyber attack. Of course, it is generally highly publicized cyber security stories that end up making the headlines, but small businesses have also been attacked in recent years. For a visual representation of how a cyber attack can threaten your business or personal systems consult our helpful graphics.

For more information on cyber attacks or cyber liability, ask one of our insurance experts.

This position is advisory in nature. It is offered as a resource to use with your insurance professional and legal advisors in the development of a loss control program. This guide is necessarily general in content, and intended as an overview of the risks and legal risks discussed here. It should not be relied upon as legal advice or a definitive statement of the law in any jurisdiction. For such advice, an applicant, insured or any other reader should consult their own legal counsel. No responsibility will be taken because of the information in this document contains.

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No matter how big or small your business is or what industry you work there chances are you use vehicles in your day -to-day operations. Whether one company car for you around or a fleet of vehicles involved in several projects in the competitive market today, the vehicles drive business.

Unfortunately, the insurance of commercial vehicles can often be complex and difficult to understand. Without this unique form of coverage, however, you could face financial losses that could seriously damage your business. In that spirit, here are five simple ways to tell if you need commercial vehicle insurance.

1. You use your vehicle in a commercial capacity

The first question to ask is whether your vehicle is used for business. For example, if your vehicle is used on a regular basis to carry equipment, deliver goods, transport people or providing a service (such as towing or snow removal), you'll need vehicle insurance commercial for you and your business to protect properly.

That said, the various types of vehicles also require different types of insurance of commercial vehicles. A taxi for example, have different requirements for a vehicle used by a sales person, and a long-haul truck may also require some form of additional transport insurance. The best way to be certain you have the right type of insurance for commercial vehicles is to speak with your broker and see what options are available.

2. You operate multiple vehicles for your business

If you are using four or more vehicles in support of your business, you may consider a specialized type of insurance known commercial vehicles under the name of insurance fleet. This type of coverage tends to be cheaper than individually ensuring each vehicle and often provides a single policy that covers several vehicles (making administration and renewal much easier).

Fleet Insurance also allows you to maintain multiple drivers employed, allowing you an insurance policy of flexible commercial vehicles that can meet your business requirements.

3. A vehicle is legally registered in your business

Every vehicle on the road in Canada is legally required to have registration. While most people are enrolled, many are also registered to a specific company. In the case of the latter, you will need commercial vehicle insurance to ensure that you are fully protected while operating in a business capacity.

It should also be noted that in Canada, you are legally required to have third party liability insurance -Party vehicles related to your business. In addition, there may be other legal requirements you should have contractual relationships with third parties (for example, if your vehicle is carrying goods belonging to someone else). Speak with a qualified insurance broker will help ensure both the registration and legal requirements are met.

4. employees drive your vehicle

If the employees (or other person associated with your business) grows your vehicle, then you will definitely need some form of vehicle insurance business in place. As mentioned earlier, the Fleet insurance allows you to have several employees as drivers of your vehicles, but you can also customize your policy to only select a few key people.

Regardless of what type of policy you choose, if all employees operate your vehicle, then you will need a form of insurance of commercial vehicles to protect you against any damage that may result from accident.

5. Your business could suffer as a result of a vehicle accident

Two of the biggest risks you might face as a business owner are incorrect or coverage sufficient coverage limits. In the case of incorrect coverage, you may be prosecuted if you drive your vehicle for a company, but only the personal auto insurance. In the case of insufficient limits, the type of insurance of commercial vehicles, you may not have enough to cover the total financial extent of damages.

In both cases, if the amount of potential financial damage could cause irreparable harm to your business, you should immediately contact your broker to find the right type of insurance for commercial vehicles.

in general, when looking for insurance of commercial vehicles, you'll want to make sure you have a competent team of insurance brokers who understand the specific needs of your company. In addition, a qualified insurance broker can help implement a risk management program to help eliminate potential problems before they occur. But above all, having the right insurance for commercial vehicles up means you can spend more time focusing on your business and less time worrying about what might happen on the road.

Read Commercial vehicle insurance to protect your company can, please contact Rogers Insurance today for a free quote.

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* This blog is intended to be advisory in nature and should not be considered as legal advice or a definitive statement of the law in any jurisdiction. Rogers Insurance disclaims all responsibility for any actions taken as a result of the information contained in this blog. For more information on anything discussed in this blog, visit a Rogers Insurance.

Rogers Insurance is proud support the work of our charity of choice, Hull services. Yesterday we were proud to join Hull Services staff and supporters to celebrate the imminent construction of the work experience and the expansion of life skills Centre in William Roper Hull School (Hull School).

One of the main Hull school goals is to prepare students for life as contributing, productive adults when they graduate. Unfortunately, many arrive in Hull lack the life skills necessary to lay the foundation for a healthy future. At the school in Hull, many essential skills are part of the program, including how to shop for and cook healthy meals, how to budget and how to dress for a job interview. To offer this program more effective and have more impact students, an addition of 2,000 square feet - work experience and Life Skills Centre - will open in 2015.

An expanded work experience and Life skills program will ensure that every student leaving grade 12 has the skills to take care of themselves to their greater capacity. The program will focus on personal care, resume writing, job search techniques, interview preparation, and time and money management. Teachers will reinforce the importance of staying in a job, be punctual, well maintained and socially appropriate because they provide ongoing support to students in internships.

The work experience and the Centre Life Skills have a positive impact on the next generation of young adults. In the long term, students of junior and senior secondary schools in Hull will build a solid foundation to make informed choices wise for themselves and their own families. This will lead to stronger and healthier future generations.

Here are some tips to ensure greater safety on the road:

• Make sure your vehicle is ready for the conditions making sure your batteries, tail lights and headlights are in good working condition, tires are properly inflated and all fluid levels are completed.
• Maintain adequate following distance and slow down - it takes longer to stop on slippery roads
• Adjust your mirrors to minimize blind spots and keep them free of ice snow
• Use extreme caution on bridge decks, overpasses and less traveled roads .. that they tend to freeze first
• Make sure your mobile phone is fully responsible

always keep an emergency kit in your vehicle that includes: ..

• Ice scraper / snow brush
• Bang sand, salt or kitty litter (provides traction when stuck)
• warning flares or reflective roadside markers
• covers
• extra gloves / mittens
• Flashlight and batteries
• first aid kit
• booster cables
• nonperishable snacks
• Candles and matches
• Cup to melt snow for water

What is Co-insurance and how does it work?

Co-insurance is one of the least Understood and confusing concepts, yet it is this is all business insurance policies. Below is our quick 101 is Co-Insurance.

Co-insurance is a clause used by insurance companies is trading all insurance policies That include property (Such as buildings, contents, stock contractor's tools / equipment) and business interruption (Such as gross ent, gross earnings, loss of profits).

This clause requires That Policyholders insure Their property revenue stream gold (with respect to business interruption) to an Appropriate value (shown as a percentage) and que la insurer Receives a fair premium for the risk (whether it was replacement cost basis or an actual cash value basis - the lath Being subject to depreciation).
on the insurance policy, co-insurance is Expressed as a percentage. Reviews The most common clauses require Policyholders to insure to 80%, 0% and 100% of the true value.

The operation of Co-insurance is best illustrated through an example and by process of ict formula.

EXAMPLE:

Value of Building: $ 1,500,000
Co-insurance Requirement: 0%
Required Minimum of Insurance: $ 1,350,000
Actual Amount of Insurance Carried: $ 00,000
Amount gold Value of Loss (example: Fire): $ 0,000

CO-INSURANCE FORMULA

(Actual Amount of Insurance CARRIED) X Value of Loss = Amount of Recovery
(Amount of Insurance REQUIRED)

Based on the formula and example Above:

($ 00,000) X $ 0,000 = $ 400,000
($ 1,350,000)

So, the policyholder Would Be penalized $ 0,000 (Value of Loss - Amount of Recovery). based on the formula Above selon the co-insurance clause

If you, as a policyholder choose to insure to less than the amount required by the co-insurance clause (as Stated on your policy), you are Essentially Agreeing to retain share of the risk (and absorbed a portion of Any Losses) Rather than transfer it to the insurance company.

you can apply the formula to-any Above Stated coverage qui caries is Co-insurance clause on your policy in order to confirm your limits and values ​​are adequate. There's nothing worse than finding out you're on the wrong side of the Co-insurance calculation after-a loss or claim OCCURS!

It's always best to contact your insurance broker and confirm how Co-insurance is Applied to your policy and how it affect you May; your broker will Provide you with steps to Ensure That your property and / or revenue stream is insured to a fair value

Download Co-Insurance Infographic
Blog Author: Aliya Daya |. Commercial Account Executive | Rogers Insurance Ltd.

Your company uses subcontractors to provide services for you or your customers? Would you be adequately protected in case of loss occur as a result of actions of your contractor?

contractors or subcontractors are used for a number of reasons such as the construction and maintenance of equipment, construction projects and renovations, etc. If you are not adequately protected and the contractor hurts someone, injured or causes property damage, you may be stuck with the financial burden of doing things.

The following steps are the precautions to be taken to help minimize the company's exposure to such a scenario.

Establish a written agreement between you and your contractor. In the agreement, the following should be included:
• Make sure the contractor provides Workers Compensation Board (WCB) coverage for their own staff. If you hire a contractor or subcontractor without WCB insurance coverage, you will be liable for that worker, if they are injured at work. Ask your contractor for Alberta WCB clearance certificate. This letter will tell you if a contractor or subcontractor has a WCB account is in good standing;
• Specify the insurance requirements and limits of the agreement. Generally, it is suggested that your exposure is to the loss is the minimum coverage you may need. For instance, if contractors are carrying proceeds of $ 2 million, but they only cargo insurance for $ 1 million, it would not be sufficient to cover total loss of product. If you're still not sure how much coverage your subcontractors should have, please contact your insurance professional to discuss;
• Ask to see certificates of insurance. A certificate of insurance is a method of obtaining evidence of the type of insurance, the limit of coverage and the insurance company the contractor. The certificate must be obtained annually from the insurance company or broker contractor or agent to protect against receiving a falsified document. When new certificates arrive, they should be reviewed to ensure coverage, limits and expiration dates of the policy are still acceptable in your contract;
• Request to add as an additional insured on their policy. This will then expand the policy of subcontractors to protect your business against liability arising from operations carried out by the subcontractor;
• Hold Harmless Agreements should be included and made to promote the company. The purpose of this agreement is to hold your company harmless under certain conditions. For example, if a contractor working on the roof and unsecured equipment injures someone below, the contractor will be responsible for damages and not your business. Be diligent and have all Hold Harmless wording of the agreement reviewed by your legal counsel;
• If your contractor uses subcontractors how do you know if they follow the same rules in the agreement you have with your contractor? To protect your business against liability, contractors must also sign the same agreement you need your contractor; and
• Once a standardized agreement is generated, it should be reviewed by legal counsel to ensure that it is valid and enforceable. If there are changes to an agreement, it should then be examined again by your legal counsel
In addition to the agreement, there are extra precautions that you can take as a company to ensure better protection against the negligence of a contractor such as .:
• Study a reputation for entrepreneurs through referrals or word of mouth;
• Review the company quality control program (security program) and who is responsible for ensuring compliance? It is important to know if they follow not only their own safety rules, but follow your company's security policies as well; and
• Monitoring of contractors and enforce security policies for the duration of a contract. Applying non-compliance, entrepreneurs will immediately ensure that they follow the rules for a safe workplace.

If you have questions about risk management, call us today!

Deanna does not consider much of a risk taker. But in 2013, she traveled more than 11,000 kilometers alone in Chiang Mai, Thailand with Habitat for Humanity.

Inspired by friends who had participated before, she thought it was the best way to celebrate its 30 ^e birthday. And despite a minor panic attack after the trip of $ 3,400 was paid in full and there would be no turning back, she said she soon as she landed in Thailand knew everything would OK.

anything that has ever built before (or the person you wish to call if you need help hanging a picture) of March 2013, she began to help a family to build a new house. For two consecutive weeks, Deanna and a team of twelve Canadians to build a house from the ground without using power tools.

"In 40 degrees Celsius, the wet and everything is done by hand, the physical part of the construction of the house was difficult," she said. And the anxiety of being away from home did not last, because there was work to do.

The days were long, but they worked diligently at home. Every day, they ate meals with family and got to know them. Not being much of an adventurous eater, Deanna did not mind having a taste of Thai rice and pad home, in fact, she said the best Thai food came all the cuisine of "house mother".

There were some major differences between life in Calgary and experience in Thailand. Getting started: get used to using a bathroom that was just a hole in the ground and cooking such as soup ant eggs. But there were also some surprising similarities she did not wait as see the McDonald's restaurant in the middle of a bygone instead. "We were in the old part of the city, with the old architecture, but you could see McDonalds, he felt like a clash of cultures."

She learned hardworking, friendly and appreciative of the Thai people . She is also blown by how helpful and welcoming, they were - (. Without being asked). how neighbors would stop by daily to help but could she has never been afraid Even during the exploration in Thailand, she felt safe she got to experience new years in Thailand. - which was a huge water fight

It was an empowering journey for Deanna and she learned some life lessons during her volunteer adventure :.

she learned to be grateful for all that she has. The people who helped had very little, but they lived well and were happy. she also spoke of a member of the team that inspired the rest of them with his work. Despite having only one arm, he did the same amount of work that everyone -. Never once failed

She learned to be independent and to appreciate another culture. Another advantage, she beamed about was that every day after a hard day's work, they would go for one minute massage to foot $ 2 30.

And although it was some years since his adventure, it remains in contact with Canadian team habitat through social media.

This adventure was a huge accomplishment for Deanna and it made a real difference to people she barely knew. The physical building is adequate, but it was the emotional side to travel so far from home.

At the end of his adventure, after a ceremony where the family gave each team member a Habitat "good luck" bracelet, they let lanterns and celebrated with a water fight.

Being named a Top 70 Employers for 2015 honored the entire company of almost 300 employees share in together.

We are honored to be ranked amongst the best employers among other distinguished Alberta companies. Our reputation as a great company to work for results from our people and dedication to a healthy work environment that is challenging, rewarding and balanced. We hire staff and the best. The kinds of people who are professional, experienced and truly focused on our customers. But we also have a lot of fun

Some things we are known for (and proud of) :. Our Dog Policy, Rogers Dream Program, we focus on continuing education, even our popcorn and slush sessions every Friday! Outside the company, we are passionately committed to the community through various volunteer activities Hull Calgary to run for L'Arche, and many volunteer commitments by our employees participate.

The annual competition is organized by the editors of Canada's Top 100 Employers. This special designation recognizes employers in Alberta from all industries that are leaders in offering exceptional workplaces.

Employers are evaluated according to eight criteria including work atmosphere, social activities, benefits, opportunities for training and development of skills, performance management and community involvement.

Thank you!

Consumers now have more options than ever when buying the auto and insurance group in Canada. There are still two main ways to buy insurance - through an broker or direct writer . So how do you know which is best for you?

An insurance broker can offer better pricing options than those who directly because we can access multiple markets and our insurance we provide preferential rates to keep premiums low.

A customer insurance Rogers never have to deal with their dedicated broker. If you prefer to email us, we will answer all requests for quotations personally by e-mail or phone call when it's convenient for you.

Click for more reasons to choose Rogers.

"Price is what you pay Value. is what you get " -. Warren Buffett

Everyone loves a good price. Most of us need to manage limited resources and want to get decent mileage for our money. Purchases greater price tag naturally require attention - and insurance is one of those articles

As insurance brokers, we are accustomed to certain questions: "What is the quote the cheapest for my car? " Or, ". Why your policy cost more than the other guy" These questions are perfectly just, but insurance buyers risk losing control of their results when the price becomes the only decisive factor

Remember:. Insurance is not a product. The products are items with a few differences between them that can usually satisfy their destination, no matter where they came from or how much they cost. By comparison, insurance is better thought of as a service: services vary considerably between providers that offer as much or as little as they like, in exchange for their own individual prices

Insurance Buyers are naturally tempted to take. the path of least resistance to the wide range of insurance coverage options and services offered by many insurance companies. This leads to decisions based solely on price, but it should not happen: an independent insurance broker can provide great value in the difference between the insurance companies and customers

• We do this every day .: brokers with a wide range of insurance and have experience with a variety of different insurance policies. By getting to know our customers, we determine what will be of most value to them in case of disaster and offer coverage that meets these expectations -. In a competitive premium "competitive" does not always mean "cheapest", but we do our best to find coverage options that meet the expectations of our customers in a fair and reasonable premium point
• t use a broker is not more expensive. it is commonly accepted that "cutting the intermediate" results in savings for the customer. This is not necessarily true in Alberta, the person selling insurance to a consumer must be a licensed insurance agent. A company that sells insurance directly to the public has not eliminated the cost of the seller - they just moved in-house.Furthermore, that person can sell policies available from their single insurer. They do not have the opportunity to choose from a wide range of options to get the best fit for your individual situation. Even if the price seems right, the product can not be - and they have no experience daily with other competing products that may be a better solution for you

Your choice insurance a. serious financial consequences. thorough and informed decisions to be taken in order to place the right coverage with the right insurance company -. at the right price

We help our customers do every day. Let us help you: contact an expert today at Rogers Insurance

Blog Author :. Stefan Tirschler | Account Executive | Rogers Signature Service

For many homeowners and real estate investors, to decide on the exact amount of insurance to be placed on their real estate can be a difficult task. The total value of the insurance policy must be able to cover the total cost of reconstruction in case of loss, of course, but as an astute investor, one must ensure that the premiums paid aren, AOT based on more inflated value of their property.

many owners rely on assessed values ​​provided by their city for their insurance values ​​and this can lead directly to the above inflation. evaluation assessments are derived from the calculation: the land value + cost of construction of the building + market speculation, depreciation factors Ai, so from this equation, we can see that three of the four factors have nothing to do with the actual reconstruction costs. When the ratings, and even estimates of market value are given for insurance values, it becomes easy to see how this can lead to the situation of insurance.

A second insurance assessment is the best way to ensure that the level of assurance is accurate and that you Aore not paying too much in premiums. Let me explain further. An assessment of the insurance is based on the following calculations: the cost of reconstruction of the building reconstruction + cost of site improvements (landscaping) + the cost of demolition and debris removal. These are the three main components of a professional insurance assessment and the three that are necessary to ensure you have a full report of the cost to rebuild your home.

Breaking these three components in addition, the cost of reconstruction of the building takes into consideration material costs of construction, labor costs, building / fire codes, regulations, architectural costs, overheads and profit development, as well as soft costs such as permit / inspection etc. Second, site improvements reflect roads, fences, sidewalks, outdoor lighting, etc., as well as soft landscaping elements such as grass, trees and shrubs. Finally, the cost of demolition and debris removal is a very important inclusion in the assessment, as is often the first amount to be taken on a policy when there is a demand.

More than ever in the midst of today, AOS rising insurance costs, it becomes necessary to ensure that you have an accurate assessment of your property, as today, AOS inaccuracies are compounded over the coming years. An example of this is a project I was working on last year. An investor bought a six-plex apartment building five years ago and had been incorrectly insure the property for the sum of the market values ​​of all units. This added to $ 1.75 million, while That, AOS it insured for. It came as a surprise then when he received the assessment of insurance that values ​​the property at $ 1.25 million to rebuild completely. Unnecessarily, he had paid an additional sum of $ 500,000 in premiums per year over a period of five years, which certainly had an impact this investor, SOA ROI.

The relatively low cost of an insurance assessment was a fraction of what the investor paid excess premium, so very interesting to have made. With an update service of the available annual assessment, an owner can be assured that their year on year insurance costs are never more than what they should be.

More information

RU is a unique opportunity for students interested in pursuing a career in the insurance sector. Entering its second year, the UK has trained and placed students directly into full-time positions in insurance Alberta. Developed by the management team at Rogers Insurance, the program is designed for people with no experience in the industry.

This exclusive program is designed to help students build a strong foundation for a career in the insurance industry. During the six-month contract, they will work alongside professionals from the most talented in the industry insurance. At the end of their placement, the intention is to allocate to the company area that best fits their skills and abilities

Students can expect a regular work week. Monday to Friday, 8:00 pm 15-5 under 30. The day is a mixture of seminars, formal education and self-learning. Level I license - general insurance, training, pure three month rotation education. Students can expect? Knowledge of commercial and personal insurance, hands-on training seminars, in-house and more.

Having successfully completed the maintenance phase, our students are offered a six-month contract by which they will be compensated while they are being training on the job. After receiving many applications and we are proud of the crew will be from May 11. Stay tuned for more on Rogers University!

What is an insurance broker?

This is a question we often heard here at Rogers Insurance. The short answer is that insurance brokers are experts who build strong relationships with their clients to find the best coverage solutions at the best possible rates. In fact, most people who choose to work with a broker do it because they love the relationship and consistent face to a person.

The world of insurance is a major change in state at the moment. Historically, insurance companies (also called "direct writers") have not sold their products directly to the consumer. Instead, they offered insurance by agents. This has changed, however, in recent years.

Now, using huge marketing campaigns and clever tactics, some large insurance companies now try and reach out to customers directly rather than through agents. With these expensive and shallow efforts, insurance companies create the facade of a deep relationship with their client. They give the illusion that they are involved in the community and they understand the needs of their customers and always work in their best interest. Unfortunately, this is rarely the case.

In fact, insurance has never been cut and dry. Whether you just bought your first car, a new home or need insurance for your business, the same concerns remain :?

• How do I know I have the right cover
• Am I getting the best value?
• What if something happens, I'll really be covered?
• How do I deal with a loss, and then file a claim?

Why choose an insurance broker

Here are some reasons why you should choose an insurance broker:

• insurance brokers working for you, not the insurance company.
• insurance brokerages are usually a one-stop-shop for all your insurance needs. They will have products ranging from car insurance and home insurance to sophisticated commercial insurance.
• Insurance brokers are not call centers. Changes requesting documentation and obtain answers can be frustrating with direct insurers (especially if you are bounced around from person to person or from one department to department.) But insurance brokers take time to ensure that you know all of your options, understand and receive the coverage you need.
• insurance brokers seeking to act in the best interests of their clients. This means that the establishment of close relations to understand their needs.
• Insurance brokers have the ability to shop at various insurance providers. This means that with a call to an insurance broker, you are assured the best products for the greatest value. Conversely, if you went directly to an insurance company that you have access to their products and prices.
• Insurance Brokers are your advocates during any situation demands. Keep in mind that when you go through an insurance company, any claims you make are treated by them, which means they are both "judge and jury." insurance brokerages, on the other hand, typically have a claims team dedicated to the ready to guide you through the claims process.

insurance brokers to establish lasting relationships with their clients. Most people who choose to work with a broker do it because they love the relationship and dealing with a person on a consistent basis. It is not uncommon for insurance brokers have clients as long as the brokerage has been exploited. Whether you choose an insurance broker on a direct insurer, the most important thing is to find a provider that you trust and who has your best interests in mind.

Want to know more about insurance brokers? Ask one of our experts.

As a growing company, active, we believe in arming employees with resources and key information so they can live a healthy and balanced life. An important element of this belief offers "lunch and learns" on a variety of topics that are of interest. A number of our employees participated in the project independently Tomorrow, and started to educate each other. A participant of employee was Julie Visser; we asked him some questions about his involvement, here is what she said:

(1) How have you learned about the project Tomorrow : I learned about the project Tomorrow my colleague and friend Carolin Adie there about a year I am immediately interested, but kept getting "busy" as the year progressed and I think the programmed speech. Rogers and hear talk again, I decided to go
(2) Why were you forced to participate? because I think it's a good cause, it is the important research and valuable to us all as a society, and because I can! I'm pretty lucky to be in a situation where I can participate in terms of my health and criteria, so why not? It is also a good opportunity for self-evaluation, self-reflection, awareness and think about a few things and personal health habits.

(2) What was the process like? Easy. After applying online, I received a package in the mail. They followed me with a phone call and a meeting scheduled for testing at their center. I filled out the questionnaire at home which took about 45 minutes, brought with me to my appointment a few weeks later, and the appointment took about 45 minutes as well. Volunteers are pleasant, helpful and explained what they did and why they did. There were samples of blood, urine sample, blood pressure, height and weight, a few questions, basic medical information, etc ...

(3) What others can expect to learn / takeaway from involved? awareness (self and society), importance of health, and it just feels good to participate! It was a fun and easy process.

There are thus several months when we were approached by Jordan Debarros, Communications Advisor for Tomorrow Project (the largest study of Alberta) to come in this to our employees, we didn 'not hesitate to say yes. Following the well-attended presentation, we had a huge amount of positive feedback from employees who wish to participate in the project, we felt that as a partnership-oriented, it was important to share with our community. (Check the information below.)
Debarros Watch interview

Did you know ...

that cancer affects the lives of Albertans ? Or 1-2 men will develop cancer in their lifetime and 1 to 3 women will be diagnosed with cancer? Perhaps darker, is that one in four Albertans will die of cancer.

The Tomorrow Project is a success story in Alberta, and the largest health research study ever undertaken in our province. Its goal is to learn more about the causes of cancer and other health conditions. Learn more about what causes the disease will help researchers develop better strategies to improve our health in the future. To achieve this, the project must register Tomorrow 50,000 Albertans between the ages of 35-69 who have not already had cancer (except nonmelanoma skin cancer). To date, the Tomorrow project of 36,000 Albertan scored. Among them, you can recognize a familiar face, that is surviving prostate cancer and former Dragon Brett Wilson. Hear his views on the draft Tomorrow here.

More

Check them out on Twitter, Facebook, YouTube, LinkedIn or their website.

Whether you are a small startup or a large multinational company, finding good business insurance can sometimes be an experience shattering. To ensure that you are fully protected, you must weigh the needs of your industry and your operations daily, finances and potential legal issues. To help make the process easier to understand, here are five things you should consider when it comes to finding good business insurance.

1. Choose the right categories of insurance business

Whatever the size of your business or what industry you work in, virtually all forms of insurance companies can be divided into the following categories:

• property and liability
• Automotive and Fleet
• directors and officers
• crime / employee Dishonesty
• pollution
• equipment Breakdown
• Cyber ​​liability
• air or sea
• Benefits and life insurance
• Errors and omissions
• professional liability
• Marine / Cargo

Each category has specific types of coverage that may or may not be appropriate to your industry. The best way to determine if you need insurance for these categories is to ask yourself if your company could be exposed to financial damages for not having a particular type of insurance. Once you've made that decision, consult an insurance broker to help find specific options in each category.

2. Ensure that you legally required Business Insurance

There are many types of insurance companies in Canada (and the world) are legally required to have to run. These are mainly divided into two categories: government and contracts. Insurance government enterprises consists of coverage you are legally required to have, like car insurance for company vehicles or environmental insurance / pollution for industrial operations. contractual insurance company consists of everything concerning the legal arrangements you have made, such as building leases and supplier contracts. Ultimately, the best way to ensure that you are operating above board is to consult a legal professional and a broker to find insurance companies that you are legally required to have.

3. Choose Industry Specific Business Insurance

Regardless of what type of industry you are involved in, chances are there is a type of business insurance tailored to your special needs. Of course, your needs are constantly changing, which is why the insurance industry is constantly stay updated on the latest requirements. Insurance pollution, for example, has become very important for many industries such as government regulations tighten. Similarly, coverage of cyber responsibility is a relatively new product that protects against costs resulting from a beach privacy / data. If your company deals with large amounts of debt, you can also consider trade credit insurance. Look at what other companies in your field are doing and speak with a reputable broker to find insurance that is specifically designed for your industry.

4. Consider claims insurance business scenarios

One of the best ways to approach this type of coverage you need is to consider specific scenarios that might arise during your operations. Claims can come from all directions and all levels of severity. Maybe you accidentally sold a defective product (product liability insurance), underwent a building fire (property insurance) was someone slipping and themselves (liability insurance) hurt, deal with an employee who may have stolen from you (crime / employee dishonesty insurance), had a damaged cargo (freight insurance), someone fired from work (directors and officers insurance) or had an electrical panel in the building short (ventilation equipment). In general, the defective work, defective products, or work accidents are some of the most common claims that you will face. However, you should also consider some of the most common situations you are dealing on a daily basis, many of which will be specific to your industry and business. A broker can also help you consider other situations that might come to help find the right insurance for your needs.

5. Understand the risks without business insurance

The fact is that, without business insurance, you may finance the future and your company's reputation. A useful way to determine what type of coverage you need is to determine the potential risks of injury or damage that could lead to lawsuits and financial losses. Ask yourself if your business could survive the financial benefits of a lawsuit related to this risk. If the answer is "no", you should consult an insurance broker to find out how you can better protect yourself against potential risks.

In addition to the peace of mind of having the right cover in place, one of the other great benefits of business insurance is to have a professional to represent, investigate your account and defend you, something that otherwise take your time and company resources. In addition, a broker can provide expert advice on risk management to help ensure the claims do not occur in the first place. Ultimately, the best way to find bargains insurance is to talk with a qualified insurance broker who can help you navigate the complexities and demands of this unique product.

Learn how insurance companies can protect your business, contact Rogers Insurance today for a free quote.

* This blog is intended to be advisory in nature and should not be considered as legal advice or a definitive statement of the law in any jurisdiction. Rogers Insurance disclaims all responsibility for any actions taken as a result of the information contained in this blog. For more information on anything discussed in this blog, visit a Rogers Insurance.

Baytex Energy Corp. and BOS Solutions Ltd. and crew Dare to Care statement to break the world record for the longest World Lemonade stand, while raising funds for Dare to Care (a non-profit organization dedicated to take position against bullying.) Dare to Care is considered Bully prevention program as complete in Canada.

to get there, they invited the community and business partners to jump in and join in the attempt. Although our specialty is popcorn and slushies, we decided it was a worthwhile cause (and refreshing), so that we too are planting.

On September 18, alongside Baytex and BOS as well as over 300 other organizations, we have helped set a new Guinness World Record. What is the longest size Lemonade Stand world, you may ask? Well, it is 1500 feet to be exact! As a bonus, over $ 182,000 was raised for Dare to Care and due to the efforts of the organizers, volunteers and the business community, Dare to Care can continue to provide effective anti-bulling programs across national.

we thank BOS Solutions Ltd., for inviting us to participate and spread the word of Dare to Care.

construction and decoration, serving our own lemonade stand would not have come together without using some of our employees: Alannah thank you, Jesse & Rosetta! And a big thank you to our colleagues who were arrested during the lunch hour to show their support - Great work team

Sorry, but you are looking for something that is not here.

This is a mystery to many business owners and consumers wonder often at renewal. These are not insurance companies are greedy or simply change for no reason, there are two very common reasons behind it:

1) The value of the property you make has increased. Because the replacement cost of buildings and goods rises each year due to inflation, many insurers apply an automatic increase of the insured limit so that the policyholder will not have to worry about fit themselves. This increase is linked to the CPI index, usually with additional weighting on construction and consumer goods segments (which are what most impact of a disaster). Although the insurance rate has not changed (the premium per $ 100 guaranteed), the fact that there are higher limits would lead to higher premiums.

In certain types of insurance such as Auto, you can see the hand at work. As your vehicle ages, it depreciates and thus worth less. Thus, if you write off the insurance company will not have to pay as much, so you will usually see a gradual decrease in the collision and comprehensive parts Auto premium year. Of course, this assumes that there are no other things that change, such convictions or traffic accidents responsibility.

2) Insurance is a way of sharing risk among the insured. The premiums are pooled and losses paid out of the pool. If other policyholders like you to know the high demands, then it is more likely that you'll also have a claim in the future. A common example is to hail in the Calgary area. Although the house everyone was hit, many have been in recent years, well above the historical average. This leads most to conclude that we are experiencing a higher rate of hailstorms than in the past (almost $ 3 billion over the last five years alone!), Rates and deductibles now increased to compensate. It is only a matter of time before another hail storm hit the area, and insurers are trying to best prepare for the next. "

Keep in mind that there are ways to reduce your premiums by changing your insurance coverage. To learn more about your options, speak with an independent broker

Blog Author :. Kevin Lea | Commercial Account Executive | Rogers Insurance Ltd.