ALIGNMENT Matters Issue 18

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ALIGNMENT Matters issue 18 – THANK YOU!  Whether it’s an open, click, like, comment, view of our website, a chat, a conversation, meeting, reference, referral or binding instructions I would like to say thank you on behalf of the entire team at ALIGNED.

ALIGNED was uniquely and intentionally built to give clients more value and educate and inform others on the P&C Insurance Industry.  Our considerable growth and positive feedback we continue to receive from clients, insurers and quite often…other insurance brokers…tells us we are on the right track!

With 4 offices across Canada we also recognize that we are incredibly fortunate and that it’s a privilege to handle the insurance needs of each client we serve. We also recognize that it is our corporate social responsibility to give back and since ALIGNED’s inception helping others with our hands, consistently & generously have been cornerstones of our organization:

  • With our hands: 2 annual days of volunteering are chosen each year for all staff to partner with organizations they are passionate about helping. Recent support included The Food Bank & The Shoebox Project
  • Consistently: Every month of the year, one of our colleagues selects a non-profit or charity. ALIGNED makes a donation accordingly and we take time to celebrate and share the great work each organization does and continue to support our teammate Brenda
  • Generously: We’re ramping up our giving and will formally launching our “Give Generously” campaign.  Stay tuned for more details!

In addition, we are launching the ALIGNED Shareholder Plan which will truly make every fulltime employee (not just our “Producers” and top salespeople) an owner in ALIGNED Insurance Inc. This is important, because we want to deliver the best possible client experience and believe that everyone having “skin in the game” will help us achieve that! We are also confident that our unique plan will continue to help us attract and retain the best and most passionate talent as we continue to our pursue our goal of becoming the largest private, 100% Canadian owned brokerage in the country!  Feel free to reach out if you are interested in learning more…

As always, we want to share some information on business insurance matters. Below are some of our most-read insurance insights:

  1. Total Insurable Value – what it does & doesn’t include
  2. Backdated Liability Insurance – what could it cover?
  3. Claims Made Insurance – vs. per occurence
  4. [long read] Construction Insurance – pros & cons of OCIP

Our experts are here to help you – learn how in ALIGNMENT Matters issue 18 below.


Andrew Clark, MBA, CAIB, RF, FCIP, RPLU
President & CEO
ALIGNED Insurance Inc.

p.s. [news] just a reminder that the Ontario Winter Tire Discount on insurance remains in effect and applicable to business/commercial vehicles.  Contact an ALIGNED Advocate to claims yours today!


Andrew Clark, MBA, CAIB, RF, FCIP, RPLU
President & CEO
ALIGNED Insurance Inc.

ALIGNMENT Matters issue 18

  • [2016 Top INSIGHT] KNOW HOW TO CALCULATE YOUR TIV? Total insurable value or TIV for short is a property insurance term referring to the sum of the full replacement cost value of the insured’s covered property, business income values, and any other insured property. Typically used in property insurance policies for businesses and other organizations that insures against damage to… LEARN HOW
  • [2016 Top INSIGHT] BACKDATED LIABILITY INSURANCE. Typically, this comes in the form of a commercial general liability policy that provides coverage for claims of bodily injury or other physical injury, personal injury (libel or slander), advertising injury and property damage as a result of your products, premises or operations and can be…LEARN MORE
  • [2016 Top INSIGHT] CLAIMS MADE INSURANCE VS. PER OCCURRENCE. Whether your coverage is claims made insurance vs. per occurrence insurance determines: whether or not your policy will respond to a claim, what your company’s responsibilities will be in the event of a claim any how much…LEARN MORE
  • [2016 Top INSIGHT] [long read] CONSTRUCTION INSURANCE – OWNER CONTROLLED PROGRAM (OCIP) …enables a construction company owner or contractor to protect his or her business and various other contractors involved in a construction project under one policy. Typically, Owner Controlled Construction Insurance Program policies cover…GET MORE INFO
  • [insurance savingsGOT YOUR WINTER TIRE DISCOUNT? 
    Whether you use a corporate car for work or commute in your personal vehicle, knowing that your vehicle is prepared for snow and ice is important. The Ontario winter tire discount that began on January 1, 2016 is adding up to increased safety & savings… READ MORE
    As regular readers are aware, we’re proud to give generously, regularly and consistently to support the inspiring work of charitable and non-profit organizations across Canada. In fact, giving is 1 of 18 reasons why we’re recognized by clients and our industry peers alike as a different breed of brokerage. Over the past 12 months, ALIGNED advocates have selected Girl Guides of CanadaWomen in Crisis, the Juvenile Diabetes Research Foundation and 9 other great causes…READ MORE
We’re ALIGNED Across Canada   100% Canadian owned, ALIGNED is a premiere insurance brokerage that serves small, medium and large organizations. ALIGNED’s offices in Toronto, Calgary and Vancouver are supported by a national operations centre in Cambridge, Ontario. As one of Canada’s fastest growing insurance brokerages, we invite you to learn more about us and connect @ALIGNEDonRisk, on Facebook or LinkedIn.

© 2017 ALIGNED Insurance. All rights reserved. ALIGNMENT Matters issue 18 is a publication of ALIGNED Insurance.

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