Taking care of business.

Give us a call at
1 (855) 943-0088.

We’ll have it sorted in no time.

A cheque book with a fancy pen on top, tilted to the left and facing up.

We’ll handle the details so you can keep running your business.

Call us right away

We need to know what happened so that we can advise you, and we’re right by our phones during business hours.

Get claims counselling

Some claims are more serious than others. After listening to the details, our brokers will advise you about how to proceed.

Get back to business

After making recommendations on how to save the most money moving forward, we’ll walk you through the rest of the process.

We focus on the insurance details so you don’t have to.

Older businesswoman making an insurance claim while holding a phone.

Gather these for your claim:

Your policy number

Your policy number is what identifies you from other clients for your insurer. You’ll find it at the top of the page on your commercial insurance documentation.

Photos of the damage

Evidence of the damage isn’t strictly necessary, but it really helps to identify what was damaged, why, and by how much. This is especially useful if someone else is involved in the claim to some extent.

A written account of the incident

With every claim you’ll be asked to provide an account of what happened. Even if you provide that verbally by phone, it helps to keep everything straight by writing it down first. 

Have a claims question?

Look no further

Q: What does my policy cover and what doesn't it cover?

That depends heavily on what coverage you purchased for your policy. We sell commercial policies for automobiles, porperties, and legal liability, each with their own set of options for your consideration. If you purchased commercial liability insurance and someone takes legal action against you, then that will most likely be covered by your policy. If a windstorm damages your yoga studio, then you’d need to have a commercial property insurance policy in place beforehand. Not every business carries the same risks, so we keep coverage types separate to make sure you only buy what your business needs.

Q: My business vehicle broke down. Is that covered?

That depends on two factors:

  1. If you have a commercial auto policy in force.
  2. If the cause of damage was covered within that policy.

Not every cause of damage is included because many are long-term factors tied to vehicle maintenance, or just simple wear and tear. Putting off oil changes to the point where the car is damaged wouldn’t be covered, but something unforeseeable beyond a reasonable extent—like a mechanic forgetting to install your winter tires properly—would be covered in most cases.

Q: An old customer is coming after me legally. What now?

That depends on whether or not you had commercial liability insurance at the time of the incident that caused the situation. If the incident happened while your coverage was in force, then you should be covered up to the limit specified in your policy. The coverage still applies even if you no longer have a policy in force, so long as you did when the incident in question occured.

Q: My claim involves the U.S. in some capacity. Am I still covered?

Quite possibly—it all depends on the coverage outlined in your commercial policy, ultimately. Covering business risks in the United States is something we do provide, but it has to be specified in your policy before the event in question occurs.

International business carries substantially more risk than purely domestic business interactions, so underwriters consider this important information. We’re here to help if you’re not sure what’s covered. That’s what we’re here for.

Can’t reach us right away?

Contact your insurer directly.

Agile Insurance

A.M. Fredericks

Apollo Insurance

April Insurance

Aviva Insurance

Burns & Wilcox

CHES Insurance

Inroads Insurance

Markel Insurance

Peel Mutual Insurance

Premier Marine

RSA Insurance

SUM Insurance

Totten Group

Trisura Insurance

Wawanesa Insurance

Taking care of business.

Give us a call at 1 (855) 943-0088.

We’ll have it sorted in no time.

A cheque book with a fancy pen on top, tilted to the left and facing up.

We’ll handle the details so you can keep running your business.

Call us right away

We need to know what happened so that we can advise you, and we’re right by our phones during business hours.

Get claims counselling

Some claims are more serious than others. After listening to the details, our brokers will advise you about how to proceed.

Get back to business

After making recommendations on how to save the most money moving forward, we’ll walk you through the rest of the process.

We focus on the insurance details so you don’t have to.

Gather these for your claim:

Your policy number

Your policy number is what identifies you from other clients for your insurer. You’ll find it at the top of the page on your commercial insurance documentation.

Photos of the damage

Evidence of the damage isn’t strictly necessary, but it really helps to identify what was damaged, why, and by how much. This is especially useful if someone else is involved in the claim to some extent.

A written account of the incident

With every claim you’ll be asked to provide an account of what happened. Even if you provide that verbally by phone, it helps to keep everything straight by writing it down first. 

Have a claims question?

Look no further

Q: What does my policy cover and what doesn't it cover?

That depends heavily on what coverage you purchased for your policy. We sell commercial policies for automobiles, porperties, and legal liability, each with their own set of options for your consideration. If you purchased commercial liability insurance and someone takes legal action against you, then that will most likely be covered by your policy. If a windstorm damages your yoga studio, then you’d need to have a commercial property insurance policy in place beforehand. Not every business carries the same risks, so we keep coverage types separate to make sure you only buy what your business needs.

Q: My business vehicle broke down. Is that covered?

That depends on two factors:

  1. If you have a commercial auto policy in force.
  2. If the cause of damage was covered within that policy.

Not every cause of damage is included because many are long-term factors tied to vehicle maintenance, or just simple wear and tear. Putting off oil changes to the point where the car is damaged wouldn’t be covered, but something unforeseeable beyond a reasonable extent—like a mechanic forgetting to install your winter tires properly—would be covered in most cases.

Q: An old customer is coming after me legally. What now?

That depends on whether or not you had commercial liability insurance at the time of the incident that caused the situation. If the incident happened while your coverage was in force, then you should be covered up to the limit specified in your policy. The coverage still applies even if you no longer have a policy in force, so long as you did when the incident in question occured.

Q: My claim involves the U.S. in some capacity. Am I still covered?

Quite possibly—it all depends on the coverage outlined in your commercial policy, ultimately. Covering business risks in the United States is something we do provide, but it has to be specified in your policy before the event in question occurs.

International business carries substantially more risk than purely domestic business interactions, so underwriters consider this important information. We’re here to help if you’re not sure what’s covered. That’s what we’re here for.

Questions not answered here?

Call aha insurance’s commercial broker team at 1 (855) 943-0088.

Can’t reach us right away?

Contact your insurer directly.

Agile Insurance

A.M. Fredericks

Apollo Insurance

April Insurance

Aviva Insurance

Burns & Wilcox

CHES Insurance

Inroads Insurance

Markel Insurance

Peel Mutual Insurance

Premier Marine

RSA Insurance

SRIM

SUM Insurance

Totten Group

Trisura Insurance

Wawanesa Insurance

How are we doing?

How are we doing?