Get a quote


Join Our Distribution List Today!

Need help managing your business risks during COVID-19? – CLICK HERE FOR INFO YOU CAN USE
ALIGNED Insurance

Call Toll Free

E-news | Celebrating 7 years of….ALIGNMENT

AM 50 - Our 7th ALIGNED-versary ALIGNED Insurance brokers

ALIGNMENT Matters | insurance insights & news

It’s true…time really does fly when you’re having fun! It’s hard to believe that 7 years ago this month, I started ALIGNED Insurance from scratch!! It feels like a lifetime ago…and like yesterday…all at the same time!!!

It took months to secure, but the day our first commission cheque arrived is when it all finally felt real to me. I recently came across a photo of that first cheque which instantly transported me back in time! Here’s a short video that celebrates this milestone moment.

Therefore, it will always be a life changing memory for me and one that I’m deeply proud to share with my colleagues, nearly 2,000 clients and the countless other people across Canada who’ve supported us. It’s also why we now close our offices at noon on the 3rd Friday of every March – to give our team members time to relax and, of course, celebrate!

As we look forward to future anniversaries, we know that we are only as strong as our team and the experience they are able to deliver. In other words, this is why capped workloads are a cornerstone of the ALIGNED employee & customer experience and why we are actively looking for more great colleagues to join our growing team!

Most importantly, we know our success and growth wouldn’t be possible if it wasn’t for the support of people like you! On behalf of the ALIGNED team, I sincerely thank you for being part of our journey and for choosing to work in alignment with us. 

As always, here are some new insurance insights that I hope you find useful and interesting.

A. Do you really know the difference between CGL & Umbrella? Find out here.
B. Yes, spring is in the air! Worried about water damage? Get solutions ALIGNED.
C. BCIN designer insurance? We make it simple to get coverage now.
D. Demystifying Hull & Machinery insurance. Yes, our experts have answers.
E. Giving Frequently and our recent donation to Canadian Blood Services
F. ICYMI: We’re hiring brokers right now. Learn about our Advocate role & our better employee experience

We are always here to help you. Call your Advocate directly or TEAM ALIGNED toll-free at 1-866-287-0448 if you have any insurance questions or concerns.


Andrew Clark, MBA, CAIB, RF, FCIP, RPLU
President & CEO, ALIGNED Insurance
Connect on Linkedin

p.s. We are always connected. You can leave us a Live Chat message on our homepage, send me an email or contact any of us. Please also visit us at on Twitter and Linkedin

[e-news] ALIGNMENT Matters | issue 50 | in depth

AM 50 - Our 7th ALIGNED-versary ALIGNED Insurance brokers

Coverage demystified | Is there really a difference between CGL and umbrella insurance?

AM 50 - What's the difference between CGL & Umbrella insurance? - ALIGNED Insurance brokers
The big difference between CGL and umbrella insurance ultimately boils down to…

Yes, yes there is. Doing upfront research and working with knowledgeable insurance experts puts you in control when you buy or renew your business insurance.

For example, ALIGNED insurance brokers understand the difference between CGL & Umbrella insurance in Canada. Certainly, they know what questions to ask to ensure that the coverage you buy directly aligns with the very specific risks – both hidden and obvious – that your business faces.

And, when you work with ALIGNED, you get the insights you need to make informed business insurance decisions.

First things first. Here’s what CGL aka commercial general liability does…

It’s important to understand that in every single Canadian province – with the exception of Quebec – business owners owe what’s known as a duty of care to members of the general public.

This means that if and when a liability claims situation should occur…keep reading…

Want to know precisely what coverage you can expect with umbrella insurance? Find out here.

Need specifics about any of our commercial insurance products?
Call us toll-free now at 1-866-287-0448

Spring is here. Are you worried about water damage to your business? You are not alone…

AM 50 - What to know about water damage and business interruption - ALIGNED Insurance brokers
Need business interruption coverage now?
Click here to get a quote aligned.

It never rains but it pours. Virtually 300 years later, an essay entitled “It Cannot Rain But It Pours”1 continues to resonate worldwide. According to Wikisource, Johnathan Swift first published these prescient words in a 1726 collection. That is to say, when heavy rains happen, especially nowadays, water damage and business interruption is on Canadian business owners’ minds.

And there’s a good reason for that. A senior VP of a leading Canadian insurance company told Insurance Business Canada in 2017 that, “Water damage really is the new fire damage.”

“I have been in the insurance business for 21 years and, in that period, I’ve seen quite an important shift in construction insurance underwriting, from fire exposure to water damage. The high amount of water damage claims is the most serious concern for construction insurers right now.”2

Certainly with Global News Canada devoting an entire section of their website to water damage, when it‘s pouring rain, businesses across the country are at risk. 

Likewise, water damage and business interruption Canada are some of the most common questions our team here at ALIGNED are asked about.

To clarify what you need to know about water damage and business insurance we’ve pulled together some timely information for you. Keep reading to learn more about water damage risks, available coverages and what you can do to align the best options with us.

At any time of year, a broken pipe can quickly lead to water damage. This brief new blog post explains coverage solutions you should know about.

So…what info is needed to get BCIN designer insurance?

AM 50 - Get your BCIN designers insurance with us - ALIGNED Insurance brokers
Searching for BCIN coverage?
Click to start a BCIN application now

In short, change is the only constant. In 2006, legislation was passed in Ontario to introduce a new designation for designers in the construction industry. Commonly known as BCIN (which stands for Building Code Identification Number). And, at the same time, provincial wide standards and examinations were established. Meanwhile, to help people prepare for code examinations, some Ontario colleges like George Brown College began offering building code courses.

Since then, the awareness about the important differences between BCIN firms, professionals, architects and architectural firms has been growing. Above all, when securing insurance, Ontario Building Code Identification Number (BCIN) designers and BCIN firms should select a business insurance brokerage with the experience to appreciate the differences and secure specialized products.

ALIGNED has dedicated professional liability insurance products for BCIN designers as well as design firms. And to give you a sense of the info you need to get an insurance quote…keep reading

So…to get your BCIN insurance quote, just email this completed application form to

Giving Frequently – our donation to Canadian Blood Services

AM 50 - Giving Frequently our donation to Canadian Blood Services - ALIGNED Insurance brokers
Learn what Darcy Franko-Felice has to say about our Canadian Blood Services donation

Giving. Donating. Sharing. Caring. There are as many ways to describe the impetus to give as there are ways to give. 

Since day one, giving has been one of the 18 ways in which we are, quite simply, different. This is because helping people will always be at the heart of what we do. And it’s the reason why giving generously, frequently and consistently is an essential part of the ALIGNED employee experience.

As a result, helping Canadian charities by giving frequently is what we do

Certainly we know that improving lives and advancing causes is what drives Canadian charities and non-profits. Connecting people to community, educational, environmental, food, healthcare and social programs is at the heart of what the not-for-profit sector does. 

Above all, we know how deeply charities and non-profits resonate with people. In addition, we understand how important financial gifts are to helping a charity or non-profit keep delivering on their mission. This is why, each month, one of us selects a charity or non-profit organization that we are passionate about. And then we, as an organization, donate to that organization. 

This month, SVP, Team Leader & Owner Darcy Franko-Felice selected Canadian Blood Services for an ALIGNED Insurance Give Frequently donation…keep reading

Learn about the dozens of charities we’ve supported as part of our Social Responsibility program.

Explainer | Understanding hull and machinery insurance in Canada

AM 50 - Hull and Machinery Insurance Explained - ALIGNED Insurance brokers
It’s fast, simple and easy to
get your quote started now!

Ocean marine insurance. Just as the comprehensive coverage in auto insurance protects the insured individuals against physical damage to their cars, so does hull and machinery insurance provide physical damage protection for the ships or vessels and the machinery which is part of them.

In depth: what you need to know about collision liability

A very important provision of hull and machinery insurance is the running down clause, also known as “the collision liability” provision. As its name suggests, this clause protects the owner of the craft against legal liability. This is the liability that may arise out of the owner’s vessel colliding with another ship and damaging its property or cargo.

It is very important to note that the collision liability clause does not apply to legal liability arising out of bodily injury or death, or property damage to fixed installations such as piers. 

Therefore, if you wish to get insurance against this kind of liability, you will need to purchase protection and indemnity …keep reading

Hull and machinery coverage protects the insured vessel or fleet against physical damage caused by a peril of the sea or other covered perils while the vessel is in transit over water.
Get a Hull & Machinery quote ALIGNED with us now!

Want to work for a better insurance brokerage? Know a talented insurance professional who enjoys working-from-home?

AM50 - We're hiring! - ALIGNED Insurance brokers
With offices in Calgary, Cambridge, Toronto and Vancouver we are hiring now!

We’re hiring! We’d love to hear from you and encourage candidates to submit a resume to today.

ALIGNED is actively looking for growth focused, entrepreneurial minded people who are interested in being part of a winning culture and rapidly growing team.

ALIGNED is for people who believe insurance is more about helping people than maximizing profits. Our organization was built to exclusively serve the insurance and risk management needs of Canadian businesses. We want people who are keen to deliver an insurance experience, not just a renewal.

Here’s what ALIGNED Insurance advocates can look forward to…keep reading

STAY CURRENT: Managing your business risks during COVID-19

COVID-19 is changing how Canadians live, work and conduct business. Bookmark this page and learn more about COVID-19 risks, provincial workplace safety guidance, COVID-19 insurance options, commercial insurance Canada products, insights and much more.

To help businesses understand what’s new, what’s changing and what’s staying the same, we’re constantly updating our Insurance Blog

ICYMI - ALIGNED Insurance Brokers Women Entrepreneurship Knowledge Hub – Canadian data, resources, research, events and more

The Atlantic: 3 Ways the Pandemic has made the world better

Blog TO: 82-year-old Toronto man takes a morning dip in Lake Ontario every day of the year

Avenue Calgary: 2020 Top 40 Under 40

Government of Canada: March is Fraud Prevention Month

Above all, we’re here to help you manage your insurance.

  1. Insurance claim? Report it 24/7/365. Call 1-844-890-3213.
  2. Have a question? Call your ALIGNED Advocate or us toll-free at 1-866-287-0448.
  3. Need insurance? Get your quote started now using our simple online form. 
  4. Get many fully online commercial insurance products on
  5. Need to pay an ALIGNED Insurance invoice? You can pay online here.

MAR 2021 ALIGNED Insurance Brokers - WP | People Helping People

Fresh insights every week on our blog ALIGNED Insurance - ALIGNMENT Matters - e-news

In conclusion, we’d like to thank you for reading ALIGNMENT Matters Issue 50! Find out more about our story and connect with one of our Canadian business insurance brokers today at 1-866-287-0448To sum up, our experienced commercial insurance brokers are here to help you to determine the types of coverage you need most.

© 2021 ALIGNED Insurance. All rights reserved. ALIGNMENT Matters issue 50 is a publication of ALIGNED Insurance Brokers.

It’s time to get insurance value and choice aligned. Want Canadian business insurance that aligns with your bottom line? We can help. 365. Call us toll-free at 1-866-287-0448 or click to Get a Quote!

We’re ALIGNED across Canada. The ALIGNED Insurance National Operations Centre in Cambridge, Ontario supports our Toronto, Calgary and Vancouver offices. Our industry peers consistently recognize us as one of Canada’s best insurance teams. 100% Canadian-owned, we are super proud to be one of the fastest-growing insurance brokerages in the country.

We deliver e-news you can use. Get practical business insurance insights in your inbox every month. 19,000+ people subscribe to our free ALIGNMENT Matters e-news. Just click the JOIN OUR DISTRIBUTION LIST button – at the bottom of our homepage – to get connected.

365 | Get ALIGNED. Every day, Canadian business leaders read our insurance insights. Find us on LinkedIn, TwitterFacebookInstagram and YouTube.

Leave a Reply

Your email address will not be published. Required fields are marked *