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What each type of insurance is for, who needs it in Alberta, what it covers, and exactly what to do if something goes wrong.
One serious at‑fault crash can cost far more than you could pay yourself. Insurance stands between an accident and financial ruin.
Every registered vehicle in Alberta must be insured — by law. That includes cars, trucks, motorcycles and RVs.
Mandatory basics: third‑party liability (minimum $200,000), accident benefits, and Direct Compensation for Property Damage. Optional collision and comprehensive protect your own vehicle — comprehensive matters in Calgary for hail. Most drivers carry $1 million liability.
Make sure everyone's safe and call police if needed, exchange info and photograph the scene, then message us. As your broker we open the claim with your insurer and guide you through repairs.
Your home is likely your biggest asset. A fire, break‑in or Calgary hailstorm can be financially devastating without coverage.
Every homeowner. It's optional in law but essential in practice — and mandatory if you have a mortgage.
The building, your belongings, personal liability, and additional living expenses if you're displaced. Overland flood and sewer‑backup are usually optional add‑ons worth considering in Alberta.
Make the property safe and prevent further damage, document everything with photos and a list, keep receipts for emergency repairs, then contact us to file the claim.
Your landlord's policy covers the building — not your belongings and not your personal liability. That's on you.
Anyone renting an apartment, condo or house. Many Calgary landlords now require proof of tenant insurance in the lease.
Your contents, personal liability (for example accidental water damage to the unit below), and living expenses if your place becomes unlivable.
Report any theft to police, photograph the damage or loss, list affected items with their value, then message us to start the claim.
The condo corporation's policy stops at the "standard unit." Your upgrades, contents and coverage gaps are your responsibility.
Condo and townhouse owners across Alberta — even though the building itself is insured by the corporation.
Improvements and betterments, your belongings, personal liability, and loss assessment if the corporation charges owners after a large claim.
Notify your condo board or property manager, document the loss, then contact us — we coordinate between your policy and the corporation's.
A single lawsuit, fire or theft can shut a small business down. The right coverage keeps you operating.
Any Alberta business — from sole proprietors and home‑based operations to incorporated companies with staff and premises.
Commercial general liability, business property and equipment, and business interruption, plus add‑ons like professional liability, cyber and commercial fleet.
Secure your premises, document the damage and any lost income, keep your records, then contact us to open the claim fast and limit downtime.
It replaces your income and clears debts like a mortgage, so your family isn't left struggling if the worst happens.
Anyone with dependents, a mortgage, or people who rely on your income — the younger and healthier you buy, the lower the cost.
A tax‑free lump sum paid to your beneficiaries. Term life is affordable coverage for a set period; whole/permanent life lasts your lifetime and can build value.
Your beneficiary contacts us with the death certificate and policy details, and we help them submit the claim to the insurer.
A hospital stay in the U.S. or overseas can be ruinous. Travel cover turns a worst‑case trip into a phone call.
Anyone leaving the province or country — snowbirds, vacationers and business travellers — plus visitors coming to Canada.
Emergency medical care, trip cancellation and interruption, lost or delayed baggage, and travel delays.
Call the insurer's 24/7 emergency line before treatment where possible, keep every receipt and report, then send them to us to process.
This guide is general information for Alberta residents, not legal or financial advice, and rules can change. For requirements specific to your situation, message our licensed brokers or check Alberta.ca and the AIRB.
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