How to Report a Claim

No one wants to suffer a loss but, if it happens, here are some guidelines to follow:

  • First, contact your agent or broker. They will assist you in filing your claim.
  • If your agent or broker is not available, you can contact us from anywhere in Canada or the Continental United States using our toll-free:
    • 24-hour claims response line at 1-800-268-3069.
    • This number is available 24 hours a day, 7 days a week.
  • If you have suffered a loss, please contact us by telephone for prompt claims service. To ensure personal service of your needs, we ask that you do not contact us by email.

Information that you should have available for an automobile loss

  • Names, addresses, telephone numbers, insurance companies and policy numbers of all parties involved
  • Name, badge number and police force of investigating officer(s), if reported to police
  • Addresses and telephone numbers of any witnesses
  • Address and telephone number of the location of your vehicle, if towed

Insurance Crime

Insurance crime is estimated to cost Canadians several billions of dollars a year in insurance premiums and health care, emergency services and court costs. Sometimes it's the work of organized groups or gangs that stage collisions or coordinate the shipping of stolen vehicles overseas.

Here are some red flags that could suggest a staged collision:

  • A low-speed impact with little damage to the vehicles involved and multiple occupants in each vehicle claiming soft tissue injuries.
  • An auto-insurance policy that was recently issued.
  • Conflicting descriptions by those at the scene about how the accident took place.
  • A tow truck is almost immediately on the spot.
  • Someone at the scene suggests a repair facility, clinic or other service provider.

Information that you should have available for a property loss

  • Address and telephone number where you can be contacted
  • Details of the claim
  • Your policy number
“ I am very thankful for all of the attention and assistance I received from your company representative. She was extremely patient with me as I fumbled my way through the claims process. ”



Insurance and loss prevention go hand in hand. We are owned by our policyholders and our primary goal is to help our policyholders.
Loss prevention is an important part of that help.

Water Damage

Water Damage

In our climate, we are subject to water problems throughout the year. In the winter, melting snow on the roof can get into your home. In the summer, large rainfalls can result in sewer backup and sump pump malfunctions.

ROOF - control the accumulation of snow on your roof and ensure that the eaves troughs are clear of ice buildup. If they are not, melting snow will get under the shingles and damage the interior of your home.

BASEMENT - ensure that your sump pump is in a proper location and functioning. Have a battery operated sump pump as a backup.

To reduce your risk, consider doing some or all of the following:

Have a backwater valve installed below the floor in your basement to help prevent wastewater from the municipal sewer system from backing up into your home.

If the downspout is connected to the municipal sewer system, disconnect it and extend it so that water is directed to a permeable surface away from your home’s foundation.

Check the lot grading around your home. A gentle slope away from the foundation will help divert water away from your home.

Repair dry and cracked caulking around bathtubs and replace cracked washing machine and dishwasher hoses.