RSA Insurance - Air Miles Program

AIR MILES®

Encourage your clients to protect their valued possessions and earn AIR MILES® reward miles at the same time.

At RSA, we believe your clients deserve to be rewarded for their loyalty. That’s why we offer AIR MILES® reward miles* on select RSA Personal and Commercial Insurance products.

Whether their policy is new or being renewed, your client can earn 1 AIR MILES® reward mile for every $20 in premium (including taxes) on select home and auto insurance services, and on eligible Commercial Insurance small to medium business policies.*

Why AIR MILES® matters

The AIR MILES® Reward Program is Canada’s premier coalition loyalty program. This program allows members to collect AIR MILES® reward miles at retail stores and services nationally, and redeem them for flights, accommodation, leisure products and more.

More than 10 million Canadians — representing about 70% of Canadian households — have an AIR MILES® Collector card, which means the appetite for collecting this form of loyalty rewards is large. Your ability to award AIR MILES® reward miles with each RSA product can have a positive impact on customer acquisition and retention.

How to register your clients

Registering to collect AIR MILES reward miles is quick and easy, and can be done either by you or your client.

Simply visit the registration page, where you will need to enter your client’s AIR MILES Collector Number, RSA policy number, and the effective date of their policy.

AIR MILES reward miles are allocated monthly and will not be retroactively given. Please see the Terms and Conditions.

If your client is not yet registered in the AIR MILES® Reward Program, please ask them to enroll now.

Questions and information

For answers to your or your clients’ questions, please see our Q&A page.

For questions regarding the AIR MILES program, please call the RSA Customer Information Services Team at 1-888-877-1710.

For more information on the AIR MILES Reward Program, visit www.airmiles.ca or call 1-888-AIR-MILES (888-247-6453).

*Please see Terms and Conditions. Not available in Manitoba or Saskatchewan.

®™ Trademarks of AIR MILES International Trading B.V. Used under license by LoyaltyOne, Inc. and Roins Financial Services Limited.

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Contact Monarch Insurance Brokers for more information.

780-422-0568 | monarch@monarchins.com

How a broker can help

More than 200 companies provide insurance to consumers in Canada, each offering its own unique coverage and expertise. It can be frustrating and confusing to compare different insurance products on your own.

An independent insurance broker is your best ally. They do the legwork to find you the best insurance coverage at a price you can afford and at no additional cost to you as they are paid by the insurance companies.

RSA Insurance - Customer Advantage

Customer Advantage

At RSA, we work only with the finest brokers. Ensuring that they can communicate the advantages of working with RSA is key to achieving our continued mutual success.

These key messages are the backbone of what drives our business forward and will help brokers explain our value proposition to their Personal Insurance, Commercial Insurance and Global Specialty Lines clients.

Personal Insurance

At RSA, we focus on the Advice Based Customer — someone who values the expertise that only a skilled broker and equally competent insurance provider can deliver.

We understand that your Personal Insurance clients have complex needs. Established Professionals want the confidence of knowing their belongings and their family are protected by a company with expertise, sound business practice and excellent service.

Our deep understanding of client needs means we can provide support through every life stage. By working with brokers to provide their clients with risk control advice, we can also help to prevent serious losses from ever occurring. If a claim is made, we support your clients every step of the way, through our Hassle Free Claims® Guarantee (RSA) or Hassle Free Claims® Guarantee (for CNS).

We are the one of the few insurance companies to reward new and loyal clients with AIR MILES® reward miles*.

Learn more about our Personal Insurance products and services by visiting our personal insurance product page.

Commercial Insurance

RSA has a deep understanding of Canadian entrepreneurs and their respective industries. This insight drives our ability to provide flexible insurance products and enables us to create tailored solutions that meet the unique needs of the wide range of independent business owners we serve.

From a micro business operating in the client’s basement, all the way to a medium-sized company with operations across the country, RSA is dedicated to helping each business through its various life stages, from start-up to expansion. We provide the capacity, scale, products and services that can grow seamlessly with the business.

We also work closely with brokers to deliver innovative solutions that will keep each business moving, no matter what lies ahead.

Our Commercial Insurance clients benefit from our Hassle Free Claims® Guarantee (for RSA) or Hassle Free Claims® Guarantee (for CNS) and loyalty recognition through our AIR MILES® Rewards Program*.

Learn more about our Commercial Insurance products and services.

Global Specialty Lines

RSA’s Global Specialty Lines provides end-to-end solutions and expertise on tailored products to meet the unique needs of upper mid-market, large, complex organizations, both domestic and multinational. Our unique global proposition spans more than 150 territories worldwide and all 50 US states, enabling us to support the needs of brokers and risk managers across the US market.

Our multiline coverage capabilities mean that your commercial clients can place more of their risk with us, to benefit from lower individual premiums and a more effective risk management partnership. We have the bandwidth and capability to accommodate a client’s future global growth, anywhere in the world and across all segments.

Other benefits of working with RSA that your clients will appreciate:

• Strong and stable. Our strong financial position means we have the capital to provide capacity, pay claims and offer competitive premiums.
• Highly skilled people. Our dedicated underwriters and risk control consultants bring a deep knowledge of your client’s industry and business, along with the ability to offer the best coverage and expert advice to reduce the risk of loss.
• Relationship-driven. Our people are committed to working in close partnership with you and your clients, forming a tripartite relationship that enables us to develop creative and effective risk management solutions that work for each specific client.
• Brilliant claims service. Our claims team delivers exceptional service and is highly responsive, effective and efficient. We leverage key partnerships with specialized expert adjusters to ensure claims are handled quickly and effectively so the organization can continue to deliver for their customers and employees.

Learn more about our Global Specialty Lines products and services.

*Please see Terms and Conditions. Not available in Manitoba or Saskatchewan.

®™Trademarks of AIR MILES International Trading B.V. Used under license by LoyaltyOne, Inc. and Roins Financial Services Limited

®Hassle-Free Claims and related words and logos are trademarks and the property of RSA Insurance Group plc, licensed for use by Royal & Sun Alliance Insurance Company of Canada.

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Contact Monarch Insurance Brokers for more information.

780-422-0568 | monarch@monarchins.com

How a broker can help

More than 200 companies provide insurance to consumers in Canada, each offering its own unique coverage and expertise. It can be frustrating and confusing to compare different insurance products on your own.

An independent insurance broker is your best ally. They do the legwork to find you the best insurance coverage at a price you can afford and at no additional cost to you as they are paid by the insurance companies.

RSA Insurance Broker - Global Capabilties

With one of the largest global networks in the insurance industry, RSA provides tailored multinational insurance solutions for your clients with large, complex international risk.

Delivering multinational insurance solutions can appear challenging, but we keep it simple. We have one of the largest global networks in the insurance industry, spanning over 150 countries and territories worldwide. This network helps us to provide tailored insurance solutions for large, complex national and international risks.

Read our Global Capabilities brochure for more information.

We cover every corner of the globe

Our global network provides a local response to multinational business needs with a first-hand understanding of language, culture and commerce. Our offering includes:

• Local underwriting authority and superior underwriting expertise 
• Ability to resolve complex issues, such as negotiating with local regulatory bodies
• Prompt local language documentation, fair settlement and efficient local payment of claims
• Rapid movement of money wherever the business is located
• Specialist country experts 
• A multilingual team that manages the performance of our local offices 
• In-house risk engineering and loss-prevention functions 

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RSA Insurance - Solar Power Insurance

Solar Insurance

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RSA created this package for Ontario-based small and medium enterprises that are taking part in the province’s MicroFIT program.

Target classes

This package is available only to Solar [SIC 4910J] class.

Eligibility

To be eligible for this package, the entrepreneur must:

• Enter into a contract with Ontario’s MicroFIT program
• Generate solar power
• Operate a maximum of 5 locations or installations
• Incorporate the solar farm as a separate legal entity

We can write the insurance policy as a stand alone package policy for clients who own the building or land to which the panels are installed, provided the operation inside the building is an eligible small- to medium-sized business, or the panels are ground-mounted and adequately separated from operations that are not eligible.

We can also write the insurance policy as an incidental exposure on a package policy to protect an attached business property.

Package highlights

This package includes:

Coverage

Limit

Building

Select limit

Commercial General Liability

Select limit per occurrence: $1,000,000 to $5,000,000

Solar Equipment

Select limit

Equipment Breakdown Insurance

$20,000,000

Extra Expense

$25,000

Medical Payments

$2,500/person

Professional Fees

$25,000

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Contact Monarch Insurance Brokers for more information.

RSA Insurance - Residential Condo Insurance

Residential Condo Insurance

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Our Residential Condominium (Condo) package provides coverage specifically designed for the unique needs of residential condominium and townhouse corporations.

Target classes

This package is designed for condominium corporations who need to insure:

Condominium buildings

Townhouse condominiums

Eligibility

This package is available to condo or townhouse corporations that meet the following criteria:

• The primary risk is building ownership
• The corporation has up to 10 locations
• The buildings are 15 storeys or less

Note that some restrictions apply regarding the rate and type of occupancy.

Package highlights

This package includes the same coverage as our standard Commercial Insurance package policy, but is enhanced with cover specific to this sector.

Coverage

Limit

Trustees Fees

$50,000

Growing Plants, Trees, Shrubs or Flowers

$500 each

Coverage Away from Premises

$2,500

Employers Liability

$1,000,000

Master Key

$25,000

Stated Amount

Included

The following optional coverages may be added to optimize protection: Flood, Earthquake and Umbrella Liability.

In addition, Directors & Officers Liability can be added to protect the condo corporation from financial harm if a director or officer fails to fulfill his or her duties with respect to the affairs of the corporation. 

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Contact Monarch Insurance Brokers for more information.

RSA Insurance - Realty Insurance

Realty Insurance

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Our Realty package is formulated to protect real estate–based businesses from the common risks encountered when owning or renting property, including loss of rental income due to property damage.

Target classes

This package is designed for owners or property managers of:

Office buildings

Vacant land

Industrial buildings with manufacturing or wholesaling tenants

Residential buildings, including apartments, condominiums and townhouses

Retail buildings, including strip plazas, enclosed malls and single retail outlets (big box stores)

Eligibility

To be eligible for this package, the business must meet the following criteria:

• The primary risk is building ownership
• The business has up to 10 locations
• The building is 15 storeys or less
• The building is up to 35 years old or, if older, has been updated in the last 20 years

Package highlights

This package provides the same coverage as our standard Commercial Insurance package policy, and is enhanced to include coverage specific to the realty sector.

Coverage

Limit

Gross Rentals

Actual loss sustained up to 12 months, maximum of $2,000,000

Master Key

$25,000

Newly Acquired Buildings & Contents

$1,000,000

Employee Benefits Errors and Omissions

$1,000,000

Tenants Legal Liability

$300,000 (any one premise)

The following optional coverages may be added to optimize protection: Sewer Back-up, Flood, Earthquake and Umbrella Liability.

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Contact Monarch Insurance Brokers for more information.

RSA Insurance - Micro/Start Up Business

Micro/Start Up Business

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We recognize the importance of start-ups and micro businesses to the economy, and we are aware of the unique challenges they face.

RSA has designed the Micro package to offer affordable basic insurance coverage specifically for new companies with few or no employees, limited assets and a small turnover.

Target classes

This package is designed to meet the needs of micro businesses in the following industries:

Automobile

Business and professional services

Contracting

Retail

Eligibility

This package is available to businesses that meet the following criteria:

• Have revenue up to $50,000
• Have a maximum of one location
• Choose a Property limit of up to $100,000
• Choose a Liability limit of $1,000,000 or $2,000,000

Package highlights

We have designed this package to meet the needs of this market specifically, with benefits and limits reflecting this. The package offers your clients unique underwriting considerations: no minimum premium is required; there are no pre-qualifying criteria; no inspections are required. However, optional coverages are not available, and limits are set on the package, with no option to buy-up. This package does not include building coverage.

Coverage

Limit

Contents (Stock and/or Equipment) 

$100,000 maximum (select limit)

Commercial General Liability

$1,000,000 or $2,000,000 per occurrence

Tenant’s Legal Liability

$100,000

Medical Payments

$2,500/person

Personal & Advertising Injury Liability

Commercial General Liability limit

Peak Season

Included

Accounts Receivable

$10,000

Computer Hardware

$10,000

Sign

$10,000

Valuable Papers

$10,000

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Contact Monarch Insurance Brokers for more information.

RSA - Manufacturing & Wholesale Insurance

Manufacturing & Wholesale Insurance

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Our Manufacturing & Wholesale package is designed to meet the needs of most types of businesses with low to medium risk exposures within this industry.

Target classes

This package is designed for businesses that manufacture and assemble low- to medium-hazard products, and for wholesalers who buy merchandise and sell to retailers, trade contractors and other wholesalers, in any of the following areas:

Electrical and electronic equipment

Food and drinks

Furniture

Housewares

Metal products

Paper products

Printed goods

Textiles and clothing

Wood products

Miscellaneous products (arts, crafts, hobby, religious and non-critical auto products)

Eligibility

To be eligible for this package, the business may have:

• Revenue of up to $5,000,000
• Up to 10 locations
• A maximum of 50% US sales (up to Hazard Category 3)

Package highlights

This package provides the same coverage as our standard Commercial Insurance package policy, and is enhanced with unique cover specific to manufacturing and wholesale businesses.

Coverage

Limit

Product Withdrawal Expense Extension

$25,000 aggregate

Hoist Collision Extension

$25,000 aggregate

(excludes contents of hoist)

Brands and Labels Extension

$25,000

Production Machine Inclusion

Included

Accounts Receivable

$50,000

Exhibition

$25,000

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Contact Monarch Insurance Brokers for more information.

RSA Insurance - Hospitality and Restaurants

Hospitality

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Our Hospitality package is formulated to provide the fullest protection to small and medium enterprises operating in the hospitality industries.

Target classes

The Hospitality package is suitable for a number of types of businesses operating in the hospitality and tourism industry. It is specifically designed for:

Caterers

Hotels and motels

Resorts

Restaurants*

Eligibility

To be eligible, the business must have:

• Revenue up to $5,000,000
• Up to 10 locations

Package highlights

This package includes the standard coverage included in our Commercial Insurance package policy, and is enhanced with these covers:

Coverage

Limit

Innkeepers’ Liability Extension

$25,000 ($1,000/guest)

Office Contents & Tenants Improvements

$25,000

Stated Amount

Included

Identity Theft Expense

$10,000

Stock Spoilage Including Off Premises Power Interruption

$10,000

Computer Protection Small Business

$50,000 ($1,000 deductible)

Computer Transit

$25,000

Computer Breakdown

$50,000 ($1,000 deductible)

Computer Extra Expense

$7,500

Computer Data

$7,500

Employee Benefits Errors & Omissions

$1,000,000

Employers Liability

$1,000,000

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Contact Monarch Insurance Brokers for more information.

RSA Insurance - Construction & Contracting

Construction & Contracting

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Our Construction & Contractor (C&C) package is designed for individuals and companies operating a broad range of business types within in the construction industry.

Target classes

The Construction and Contractor (C&C) package is specially designed to meet the needs of low to moderate operations and completed operations exposures (residential and commercial contractors).

It is suitable for a wide variety of businesses, including:

Cable installers

Electrical contractors

Engineers

Interior decorators

Repair installation and services

Eligibility

To be eligible for this insurance, the business must have:

• Revenue up to $5,000,000

Package highlights

This package provides thorough coverage for Liability, Property, Business Income, Crime, Fidelity, Inland Marine and Equipment. Of particular note, it includes coverage for Tools (Miscellaneous Floater) and Non-Owned Automobile.

Coverage

Limit

Broad Form Property Damage

Included

Broad Form Completed Operation

Included

Contractors Errors and Omission

$25,000

Hoist Collision Extension

$25,000

(excludes damage to contents of hoist)

Rip & Tear Extension

$10,000

Contractors Equipment Floater (Replacement cost for items less than 3 years old)

$25,000

Installation Floater

$25,000

Loss of Use – Rental Reimbursement

$1,000/day; $10,000 aggregate

Additional coverages and increased limits may be added for an additional premium.

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Contact Monarch Insurance Brokers for more information.

RSA - Bed & Breakfast Insurance

Bed & Breakfast

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Our Bed & Breakfast package is specifically designed for small and medium enterprises where the business owner’s private residence is used to provide bed and breakfast (B&B) accommodation for travellers.

Target classes

This insurance package is specifically designed for entrepreneurs who own Bed & Breakfast Tourist Homes [SIC 7054 class only].

Eligibility

To be eligible for this package, the business must meet these criteria:

• It includes a maximum of 8 rooms
• If it serves liquor, the business is licensed, and liquor sales comprise a maximum of 25% of total operational sales
• The building is less than 35 years old; if older, it has been updated in the last 20 years
• Offering B&B accommodation is the primary business activity

Inns, Motels and Hotels are not eligible for this package.

Package highlights

This package includes the standard coverage included in our Commercial Insurance package policy, with numerous enhancements specifically for this industry, including: B&B Personal Liability Extension, B&B Replacement Cost (excluding Stock) Extension and B&B Building & Contents (Broad form) Amendment. It also includes:

Coverage

Limit

B&B Voluntary Payment for Damage to Property Expense Extension

$1,000

Innkeepers’ Liability Extension

$1,000/guest, up to $25,000 per occurrence

B&B Additional Buildings Extension

10% of building limit

B&B Additional Living Expenses Extension

$25,000

Coin Collection

$1,000

Manuscripts and Stamp Collections

$2,000

Personal Watercraft and Accessories

$3,000

Garden Tractors and Accessories

$10,000

Land and Water Pollution Clean-up

$25,000

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Contact Monarch Insurance Brokers for more information.

RSA Insurance - Contractors Package

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Segment: Contracting

Contractors made up almost 25% of RSA’s new business in 2016 and we are writing a broad range of customers, especially in the following sub-trades:

Carpenters

Electrical Contractors

Heating and Air Conditioning Installers

Flooring Contractors

Painters and Decorators

Given the specialized needs of the contracting customer, RSA offers a Construction & Contractor (C&C) package designed to meet the specific needs of these clients. This package is designed for low to moderate operations and completed operations exposures.

A Contracting Success Story!

After being awarded a new contract, a contractor learned that their current carrier could not provide coverage for the operations. Read how RSA responded, here.

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Contact Monarch Insurance Brokers for more information.