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ALIGNMENT Matters | insurance insights & news

It has certainly been the kind of year where ANYTHING can happen and I was recently reflecting on how there are no guarantees in business…or in life… 

Despite the uncertainty out there and no matter what happens with or to your business, we want you to know that we have your back!  We remain incredibly optimistic about the future and are standing defiantly with you. Across Canada, we are ready to help you move your business forward no matter what has or will happen. 

We know that change is the only constant right now and:

  • You might have employees working from home. 
  • Your operations, processes and customers may have shifted.
  • Your physical location may be temporarily closed or even vacant.
  • You might be selling new services or products to different customers.

Regardless of how things have or may be changing, we remain ready to help you get the best possible protection for your business.

We encourage you to connect with our business insurance experts to discuss any/all changes to your business and how to best navigate the changing insurance marketplace!

Most importantly, we love to hear from you because the more information and communication we have, the more we can help. We also sincerely appreciate when an ALIGNED client takes the time to tell us how our service & expertise has helped them move forward during these challenging times!

By way of example, here are a few recent Google reviews about the ALIGNED team:

“We were happy to get started so fast and have all our insurance squared away using this team during COVID.” Mathew, Calgary
“Great turn around with this team and we had our first location up and running during COVID 2nd wave with out issue.” Angelo, Cambridge
“Our firm changed offices during COVID and this team at ALIGNED really helped us get sorted quickly in our new location.” Philip, Toronto
“We opened 3 ghost kitchens during COVID and we had all 3 insured through this team and everything went smoothly from start to finish.” Danny, Toronto
“We insure 2 bakeries with the ALIGNED team, 1 pre COVID and 1 recently. Both times we had a great experience working with this team.” Iris, Vancouver

As always, please also find some new insights that I hope you will find both useful and interesting.

A. We’re proud to welcome Assistant Advocate Samantha Roy!
B. DYK we’re cannabis insurance experts? Check out our brand new cannabis business insurance page!
C. Is your pivot to online retailing now permanent? Get the best online retailers insurance with us!
D. Giving Frequently and our recent donation to The Rainbow Society of Alberta
E. Concerned about cash flow? Find out about our premium financing options
F. Closed again? What you need to know about vacant property insurance now

As your business continues to evolve, know that we are always here to help. Call your Advocate directly or TEAM ALIGNED toll-free at 1-866-287-0448 if you have any insurance questions or concerns. 


Andrew Clark - signature

Andrew Clark, MBA, CAIB, RF, FCIP, RPLU
President & CEO, ALIGNED Insurance
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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 alignedinsurance.com on Twitter and Linkedin

[e-news] ALIGNMENT Matters | issue 51 | in depth

About Us | Why Samantha Roy is proud to be an ALIGNED Assistant Advocate

AM 51 - We welcome Samantha Roy - ALIGNED Insurance brokers

Samantha Roy is one of our newest Assistant Advocates. Learn more about Samantha here.

We’re different. That is to say, our exclusive focus on business insurance sets us apart. Certainly, being different is just one of the many reasons why Canadian insurance professionals decide to join the ALIGNED team.

Samantha Roy recently joined our growing team. Samantha is an Assistant Advocate and reports to SVP Darcy Franko-Felice. She works closely with ALIGNED colleagues across Canada. In her own words, here’s what Samantha has to say about ALIGNED. 

“I was looking for a change in pace. Coming from a personal lines insurance background, I found myself wanting to be challenged. When I saw a job posting for an Assistant Advocate, it really sparked my curiosity regarding the commercial side of insurance. 

I always want to be a part of a company that is very forward thinking – this is because I enjoy being part of a team that is passionate about accomplishing results. During the interview process with Andrew and other members of the ALIGNED Insurance team it was very clear that everyone shares a very straight–forward approach and always puts clients first. I quickly recognized that customer service is a core value of the organization.” Keep reading…

CBD? Retail? Grow operations? Get the best cannabis coverage with us!

AM 51 - Cannabis business insurance - ALIGNED Insurance brokers

Need cannabis business coverage now? Click here to get a quote aligned.

Cannabis insurance isn’t easy. As relatively new industry, there aren’t many insurance companies willing to insure cannabis companies. Nor is there a long track record when it comes to cannabis risks and exposure history. To properly insure your business, you need to select and work with an insurance brokerage with cannabis expertise. ALIGNED is experienced in placing cannabis risks and we know how to find the best options in the marketplace. We offer specific insurance for cannabis businesses and are proud to exceed the expectations of our many cannabis clients. For example:

“As one BC’s first licensed non-medical cannabis retailers, not only did ALIGNED have our backs when most insurance companies wouldn’t even talk to us, but they have continued to give us excellent and supportive service.” Serena

To get a quote rolling, all you need to do is provide us with some basic details about your business

To help you understand the different types of insurance that cannabis business owners need, simply visit our dedicated Cannabis page…

Why your online business needs e-commerce insurance right now!

AM 51 - Online Retailers Insurance - ALIGNED Insurance brokers

Searching for e-commerce insurance?
Use our simple tool to get an online retail insurance quote.

While your roots may be bricks and mortar, your online retail e-commerce store also faces tangible risks. Customer data being hacked, a faulty product claim and products damaged while in storage or transit are just a few examples of e-commerce risks.

There’s also fraud. “In 2017 alone, the total value of fraud reported by Canadian businesses was $30.4 million, according to the Canadian Anti-Fraud Centre (CAFC). That number is an alarming increase of 78% from the previous year, and an all-time high over the last four years.”

BDO & Retail Council of Canada: “Protecting Your Store: How to prevent and detect retail fraud”

For these reasons and more, e-commerce insurance is essential for Canadian retailers who sell online.

Whether you are growing or starting up, you need the best e-commerce insurance aligned to protect against online retailing risks. Our experts can deliver an online retail insurance quote for your Canadian operations.

Giving Frequently – our donation to The Rainbow Society of Alberta

AM 51 - Giving Frequently our donation to The Rainbow Society of Alberta - ALIGNED Insurance brokers

Learn what inspired Advocate Pam Lecavalier to select The Rainbow Society of Alberta to receive an ALIGNED 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, Advocate Pam Lecavalier selected The Rainbow Society of Alberta for an ALIGNED Insurance Give Frequently donation.

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

Closed for business? Here’s some timely information about unoccupied property that you really need to know…

AM 51 - Vacant Property Insurance - ALIGNED Insurance brokers

It’s fast, simple and easy to get your quote started now!

Coverage 101. You may have just shut down your operations due to a government mandated closure. Your employees may be working remotely. Or you may be preparing to close some or all of your operations in the near future.

Just because your business is closed to the public does not mean that the commercial risk exposures your operations face are materially less.

If your company moves operations between provinces or cities, one or more of your locations may be unoccupied for either a short or extended period of time. As your business needs evolve, so may your property insurance requirements. 

Vacant property coverage may also be a viable option if your business is in the process of:

  • Selling the property, 
  • Filing for bankruptcy, or 
  • If the property is under construction and/or not suitable for a use.

We have prepared specific information for people who are asking us questions about vacant property insurance in Canada…

Yes, we offer commercial insurance premium financing to all ALIGNED clients

AM 51 - Commercial Insurance Premium Financing - ALIGNED Insurance brokers

Finance your business insurance premium now!

The bottom line always matters. When you run a business, you are always keeping an eye on the bottom line. We are too. This is why we make it simple to pay your commercial insurance premium.

Since day one at ALIGNED Insurance, we’ve taken pride in delivering a different insurance experience to Canadian business. Delivering options and value to commercial insurance Canada is just one way we do this every day.

There are a total of five ALIGNED payment options available to our clients. We are committed to making payment of your invoice as easy as possible.

Here’s what you need to know about ALIGNED premium financing…

The Atlantic: The three equations for a happy life, even during a pandemic

Macleans.ca: Canada’s top 25 communities to live and work remotely in 2021

UAlberta.ca: Pandemic has proven that in-person conferences aren’t the only option

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 alignedinsurance.com.
  5. Need to pay an ALIGNED Insurance invoice? You can pay online here.
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 51! Find out more about our story and connect with one of our Canadian business insurance brokers today at 1-866-287-0448! To 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 51 is a publication of ALIGNED Insurance Brokers.

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