SGI Insurance - Non-Owned Automobiles

When you have physical damage coverage on your business vehicle, non-owned automobile coverage automatically provides you, your spouse and any other drivers listed on your policy with coverage while driving the rented vehicle at no additional cost!

Your auto policy provides coverage in the event the non-owned vehicle is damaged, subject to a $50,000 limit and a $250 deductible.

This is especially important when you rent a vehicle, as you have the option of declining expensive rental company insurance - providing you've chosen both collision and comprehensive coverage on your SGI CANADA commercial auto policy.

Separate insurance may be obtained from the rental agency for the operational down-time of the vehicle while it is being repaired.

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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.

Aviva Insurance - U.S. & Cross-Border Insurance

Cross-border insurance solutions

You can access the simple cross-border insurance solution your business needs to meet regulatory and tax requirements – backed by the strength, stability and expertise of Aviva. If you have a Canadian business and require admitted paper for your operations or premises in the U.S., you’ll get a market-leading solution that offers:

• A comprehensive program to fulfill the specific needs of your cross-border business which meets all state regulatory requirements and avoids unnecessary U.S. tax implications of using non-admitted insurers.
• The value of property and assets in U.S. dollars, which removes complication from exchange rate fluctuations.
• Convenience of a single point of contact for your Canadian and U.S. business. If your quote is bound, we’ll ensure your U.S. location receives all the paperwork required.
• Reliable network of U.S. partners who provide responsive claims service whether the unexpected occurs in Canada or the U.S. Plus, you can feel secure knowing our U.S. partners are backed with a minimum financial strength rating of 'A' from A.M. Best.

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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.

SGI Insurance - Business Umbrella Liability

You have a profitable business. You entertain customers, colleagues and suppliers. You rent business space in a large building with multiple tenants. You travel and sell your products abroad.

And you already carry insurance policies to cover them all for damage and to protect yourself if you're sued.

But what if that coverage isn't enough?

Your business success puts you at greater risk of being sued for large sums of money if someone is injured on your property, using your equipment, shipping your products or you damage their reputation.

A Business Liability Umbrella provides additional, worldwide coverage to supplement your existing SGI CANADA policies, and in some cases, fill gaps they don't cover.

You've worked hard to get where you are and get what you've got - so protect it!

Liability and more

Besides providing additional liability coverage (up to $5 million) when your business or commercial auto insurance is maxed out or by filling gaps in those underlying policies, a liability umbrella gives coverage for things you wouldn't normally get with your existing policies, like:

Excess commercial liability coverage - for bodily injury and property damage over underlying commercial general liability (CGL) policies.

First dollar defense coverage - covers defense costs from the first dollar where coverage is provided by the umbrella but not in the underlying policy. Payment of defense costs will not reduce the limit of insurance.

World Wide coverage - for bodily injury or property damage claims as well as personal or advertising injury claims, excluding auto.

No deductible - you only pay deductibles associated with underlying policies.

No endorsement for additional insured - if you're protected by the underlying CGL policy, you're automatically included under the umbrella policy.

To be eligible, you should have existing SGI CANADA commercial property and auto insurance policies with a minimum liability limit of $2 million. Some eligibility restrictions apply.

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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.

SGI Insurance - Loss of Use Coverage

If your commercial vehicle is damaged and that damage is covered under your policy, loss of use coverage will pay for the rental of a replacement vehicle while your business' vehicle is being repaired or replaced, up to the amount of coverage you've chosen.

Coverage amount options vary from as low as $750 up to $5,000.

In addition, you're covered by your commercial auto policy while using the rental vehicle as a temporary substitute vehicle for the out-of-service vehicle covered by a policy.

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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.