When insurance is mentioned, Home and Auto Insurance (or Personal Lines, as it is referred to in the industry) is what generally comes to mind. And for a lot of people, it may be the only insurance they ever purchase. When it comes to deciding what to insure, the rule of thumb is: If you can't afford to lose it or replace it, you should insure it.
In addition to insurance for physical property, a very important consideration is personal liability insurance. This protects you from the consequences of any property damage or bodily injury you may be responsible for. A little known aspect of personal liability coverage is the insurance company's commitment to defend you in court against any action, even if it is frivolous. This can be a significant protection to you. Homeowners packages (this includes Condominium and Tenants' policies) include personal liability coverage, and of course liability coverage is required by law in order for you to operate a motor vehicle on public roads. Increased limits are available in both cases, if desired. Remember, your auto liability coverage only applies when you are driving your vehicle, and your personal liability coverage does not apply when you are driving a vehicle.
At CRS Merrill Insurance we have been providing prompt, professional advice and services for the commercial insurance needs of Albertans for over 50 years. We pride ourselves on the many long term relationships we have developed over the years through our personalized service. We strive to offer the best service available anywhere and work hard to ensure that your insurance is stable and predictable year after year.
We want to be your Broker not only today, but well into the future and we know that the only way we can do that is to provide you the products and services you deserve at a competitive and fair price. We offer strong counsel based on our experience to help you identify and control risks that will in turn help your business to be more competitive through lowering your insurance costs and making your future more predictable.
We have extensive experience with Surety Bonding and can provide you with the services you need, no matter how small or large your requirements are. We can approve and issue most bonds in house in very short order. We have been told by some of our new clients that our service is second to none. If you are a contractor that is growing and you find yourself in need of a bond, give us a call, you will be amazed how fast we can get your new account set up.
Good travel insurance will protect you against unexpected events when you're traveling, from helping to recover some of the costs in the event of cancellation to covering your medical expenses when out of province. Choose the plan that's right for you.
The spectrum of life insurance products has substantially grown over the years. To find the appropriate coverage and policy type for your situation requires in-depth consultation with a knowledgeable expert in the field. There can be many advantages to properly planned life insurance, including tax advantages to your estate and/or survivors, asset protection, terminal illness lump sum payments, and even retirement income. To properly advise you, your life insurance agent will need to know many details of your financial situation, so you should have a relationship of trust. This makes your general insurance brokerage an ideal place to seek assistance with life insurance.
In addition to life insurance, life insurance companies also provide a variety of other policies such as disability and critical illness. Critical illness insurance generally provides a lump sum payment upon diagnosis with a life-altering (although not necessarily terminal) illness, such as cancer or MS. There are no strings attached to the use of these funds. Disability insurance, on the other hand, is designed to replace your income when you are unable to work due to a temporary or permanent disability.
People who are fortunate enough to have extended medical benefits through an employer sponsored group benefit plan know the peace of mind that comes with knowing you will not suffer serious financial costs in the event of unexpected medical costs that aren't covered by Alberta Health Care. Personal plans are available that provide the same level of coverage and comfort, and can be tailored to fit your needs and budget.
CRS Merrill will connect you with an insurance provider that best fits your individual needs.