Excel Insurance Group a TOP 10 Canadian Brokerage

Excel Insurance Group has been named a TOP 10 Canadian Insurance Brokerage in 2021.

We are so pleased and honored to announce that the Excel Insurance Group has been recognized as one of the TOP 10 Canadian Insurance Brokerages in 2021 by Insurance Business Canada.  What a true honor to have our group recognized for their innovation and leadership in the industry. Excel Insurance Group is driven by the entrepreneurial qualities of its partners. For not even a decade, Excel has worked to grow from managing several million dollars in premiums in one office to more than $200 million across 17 locations. At Beyond Insurance, we are one of 17 partner offices that comprise the Excel Insurance Group.

Excel came about as a solution to a common succession issue in the insurance industry. Over the past few years, owners and principles in locally owned brokerages prepare to retire, and Insurance companies and brokerage conglomerates have been swallowing up local independent brokers. In this, clients suffer through reduced market options and ‘packaged’ insurance solutions. Excel Insurance Group partners maintain their entrepreneurial qualities, their revenue and their equity.

Long term, locally owned brokerages can stay local, and clients benefit from the independent broker’s ability to respond quickly, act decisively and deliver without compromise.

Excel Insurance Group established itself by delivering expert insurance, risk management and surety service to our clients operating in Canada and around the world. We are proud of the Excel Group reputation and continue to uphold the brand and service level with our clients, broker partners and underwriters.

The capabilities of Excel Insurance Group are vast and specialized. As a trusted Partner in the Assurex Global Network, our Group’s expertise help multi-national and cross-border clients to avoid the regulatory pitfalls related to the use of unlicensed (non admitted) insurance in Canada.

Again, we could not be more proud of our partnership with Excel Insurance Group and are honored to have our group recognized as the number 6 Brokerage in Canada in 2021.

Want to know more about the Excel Insurance Group? Check them out.

Want to see the Beyond Service Difference? Show Me Beyond

Insurance Renewal Increases: And what we’re doing for you.

Have your insurance renewals increased 20, 30, 40 percent? Ya, we hear you. As we navigate the changing insurance marketplace together, you can rest assured our team is working diligently to provide the service you deserve for your insurance needs. Here’s how we’re mitigating the industry change for our clients.
If you are a current Beyond client, you have already been benefiting from our proactive approach to insurance renewals. Each renewal is personally reviewed and we take great care in making sure your coverage and policy information is up to date and that your rates are competitive. We actively go to market for you when a policy has a large increase on renewal, and share the market results of numerous insurers.
We broker more than TWENTY reputable insurance companies. This means, we can quote your insurance risk to all of these markets and find the best coverage, package and rate for your insurance needs.  And we care about assessing your FULL insurance risk.
Bring us your full insurance portfolio to increase your discounts & minimize your risk.
If you’re not currently a Beyond Insurance client and you’d like a quote, we are happy to help! Our online quote form is thorough and provides us all the information we need to get the right information to the right insurance providers for your quote. Take the time to fill out all of your insurance risk including Home, Auto and Business or Commercial. You maximize your discounts and minimize your risk exposure by having us review your FULL insurance portfolio. Start your quote here:
https://beyondinsurance.ca/get-a-quote/
Want to know more? We’ve got a blog about what’s behind all of these industry changes and rate increases.
https://beyondinsurance.ca/insurance/why-the-insurance-rate-increase/
 
#insurance #insurancebroker #insurancereddeer #yqf #reddeer #alberta #albertainsurance #rateincrease #albertainsurance #ShowMeBeyond

Winter Tires and Your Insurance

How does having winter tires on your vehicle affect your insurance? If you put winter tires on your car, let us know! It could mean a discount on your insurance policy. Does you car have AI? Same thing! It could mean a reduced rate for your auto insurance policy.
Winter has arrived and we’ve got a hot tip for you. If you put winter tires on your vehicle every winter, let us know. Some insurance companies offer discounts to your auto insurance if you change your tires over to winters every season. We will update your file and in some cases, this generates a discount on your policy.
Also, Insurance companies are getting more and more sophisticated and recognizing AI technology in vehicles. Be sure to inform us if your vehicle has advanced braking features, or lane assist. These features can sometimes generate a discount for your auto policy as well.
As your Red Deer insurance broker, we are accessible, available and always looking for great information to share with you about your insurance policy.

Accident Checklist

Top 5 Things to do if you get into an accident

So, you got into an accident…now what? Here are our top 5 things to do immediately.

  1. Ensure everyone is safe and unharmed. If there are injuries, please call 911. Locate witnesses and gather their information
  2. Take photos. Document damage and the scene of the accident with photos. Also, take photos of the other parties insurance information
  3. Call the police to report the accident
  4. If the vehicle is safe to drive, take it somewhere safe to park. Alternatively, call a tow truck. Many auto policies include coverage for a rental vehicle while your vehicle is being repaired or replaced. Be sure to review your policy with your broker to ensure you have this coverage.
  5. File a claim. Contact your broker. You can call or text us directly and we will gather the information needed to file the claim on your behalf. Alternately, on our website, you can find a 24/7 claims portal OR 1-800 number for each insurance company. You will be prompted to provide the accident information and file the claim directly to the insurance company.

We are always, always available to walk you through this process. We are available by text, email, or phone and are happy to review your policy coverage or walk you through any questions you may have. If your vehicle does need repairs, be sure to ask us for recommendations on where to take it for a repair estimate.

Remember to stay calm, take pictures, and ensure that everyone’s safety is your top priority. Want another hot tip? Print out these 5 steps and keep them with your proof of insurance. That way, you have them handy to follow if you do end up in an accident.

Restaurant Insurance

Let’s talk about Restaurant Insurance and why choosing Beyond Insurance as your broker is the best choice!

Do you own a restaurant, lounge, or bar? We’re happy to help you identify potential coverage gaps and develop a balanced insurance program together, managing risk, premiums, and coverage offerings. 

Here are a few services we offer when it comes to managing your commercial insurance portfolio;

-Site Visits

-Inspection Follow Up

-Current program audit

-Review and Renewal strategy

-Resources such as equipment schedules, incident logbooks, referral partners, and industry-specific templates

We are accessible Insurance professionals, who work hard to understand your unique business and build a lasting relationship. We are entrepreneurial just like you and passionate about building our community and seeing local businesses grow and succeed. What makes us your best choice for Insurance in Red Deer? We compete against the biggest players, and we win. Our combination of market access, extensive risk analysis, and industry experience sets us apart.

Check out our Common Exposures for restaurants checklist on Facebook.

Insurance for raft Breweries

Let’s talk craft breweries…and insurance!

The industry has seen huge growth over the last few years in our province and as craft beer enthusiasts, we’ve been delighted to visit many of Alberta’s excellent craft breweries. Red Deer itself has some amazing local craft breweries including Troubled Monk, Belly Hop, Red Hart, and Sawback.

As a craft brewer, you are a passionate artisan, bringing to market many unique and locally sourced beverages. Yet, your core business is similar to a commercial manufacturer! What insurance coverage do you need? What exposures are common and specific to your industry? We have the answers;

You want to ensure your policy covers you for liability – including Host Liquor, Completed Products, and Premises Liability. Premises {or Occupiers} liability is especially important if you do brewery tours in your facility or host live events. 

You also want to ensure you’re covered for equipment failure, spoilage, contamination, recall, and contingent supply chain. 

Every brewery is unique and as your broker partner, we examine each area of risk exposure with you to ensure you have the proper coverage & access to risk management tools for your size, operation, and location. 

We want to be on your team of professionals – we are local and we support local through and through. We are your best Red Deer insurance broker and your best choice for brewery insurance. We are young, and like you, we are entrepreneurial. We are here to stay and we are passionate about investing in the community and being apart of making Red Deer a beautiful place to live.

Check out our handy Risk Insights for Craft Breweries on our Facebook page.

Fall Home Preparation

Welcome to November! As you prepare your home for winter, remember to update your broker of any significant renovations or larger purchases (high-end art or wine, a new custom sound system, or high-end sporting equipment). These items should be scheduled to your home insurance policy for optimal coverage.

Fall is also an excellent time to do a video inventory of your home. Walk around your home and record your possessions. In the event of a claim, this recording will be very helpful.

As your best Red Deer insurance broker, we are always looking for ways to make your insurance journey easier.

Storm Season Tips:

Protecting your home and vehicles from hail

Summer storm season is upon us and, as your best Red Deer insurance broker, we have put together a list actions that you can take to protect your home from hail damage. We encourage you to chat with your insurance broker to discuss specific strategies for upgrading your home to hail resistance. If you are renovating, replacing your roof or replacing siding, make it a priority to call us first for advice on what grade and product to consider. Various Insurance companies offer policy discounts for upgraded siding and shingles that are rated for higher impact resistance.

EASY:

The simplest and most common form of risk mitigation for your vehicle during a storm is to park it in a protected structure, such as a garage. If this isn’t possible, the use of car covers or blankets is recommended. Several car cover manufacturers make covers and blankets that are hail resistant.

Use window safety films to protect windows, doors, and skylights.

MEDIUM:

When re-roofing, install a ice and water shield underlay (preferably self-adhering and waterproof).

Use a roofing product that has Underwriters Laboratories UL2218 Class 4 impact resistance rating. And remember, some insurance companies will offer a discount on your premiums when your home has higher rated shingles.

ADVANCED:

Consider using cement board (Hardie Board or fiber) in place of aluminum or vinyl siding for your home – especially if you are in a high risk hail zone.

Purchase a home with steeper sloping roofs. Flatter roofs are more susceptible to hail damage.

What are we doing for you?

Insurers are working hard to prevent hail damage. Have you noticed the planes that fly into the clouds when there is a hail or thunderstorm warning? Cloud seeding disperses silver iodide into the developing clouds to change the physical properties of the cloud, which changes the type of precipitation the cloud forms. Seeding doesn’t eliminate hail, but it does reduce the size of hail the cloud creates.

Take our Quiz

Want to know your hail damage risk score? Hop over to our Facebook or Instagram and measure your risk.

COVID-19 Return to Work Toolkit

As we step into another new and uncharted season of COVID-19, we have a COVID-19 Return to Work Toolkit for our businesses. Flexibility is key as the situation evolves, but we advise our businesses to use the utmost cautious as they chose to re-open. Please create a plan for the health and safety of your staff and clients. Also, remember that employees will have higher expectations of you, so continued, open and honest communication with your teams/staff is
critical.

The Return to Work Tool Includes:

1. Communication sample templates

Workplace Coronavirus Infection Email to Employees, Essential Worker Employee Communications Letter, Letter Recalling Furloughed Employee, Communication Letter to Employees Re: Temperature Testing at Worksite, and a Survey Questions to Gauge Return To Work Concerns of Employees.

2. Preventative Measures Checklists

Preventative Measures Cloth Mask Information and Care Instructions, Sample Standard Operation Procedure Plan –Temperature Checks, Sample Health Screening Form for Visitors, 10 Steps All Workplaces Can Take to Reduce Risk of Exposure to Coronavirus (OSHA), and a Stop the Spread of Germs at Work (SHRM) tip sheet.

Please connect with us if these are resources you think will be helpful for your business as you navigate re-opening and bringing staff back into your spaces.

As we continue to navigate the changing guidelines in our community and province regarding re-opening, we also want to share this resource published by a Comparative Immunologist and Professor of Biology (specializing in Immunology) at the University of Massachusetts Dartmouth.

https://www.erinbromage.com/…/the-risks-know-them-avoid-them

Beyond Insurance will continue to practice social distancing in our office. We will continue to operate in a digital manner with our clients (via phone, email, text, video conferencing, and Docusign). Our office will remain closed to the public and walk-in traffic as we continue to respect the safety and health of our staff and their families.

We look forward to seeing everyone face to face soon, and will likely be doing this via an appointment only format. If you have questions or want help organizing a safe reopening strategy for your business, as your Red Deer insurance professionals, we are here to help you navigate and manage those risks.

Welcome our new Associate Partner!

We are thrilled to introduce you to our newest team member and broker, Greg Weik. Greg has been an insurance professional since 2000, with significant experience as a proud partner in a successful Central Alberta insurance brokerage. More recently, Greg established a residential construction company, Homes By Taylor Ltd. and is excited to be returning to his insurance roots, providing innovative solutions to friends, family, and new clientele. Greg takes great pride in his communication, accessible personalized service, and believes holistic customer service is the key to a long term relationship. As an associate partner with Excel Beyond Insurance, Greg is eager to develop meaningful client relationships providing customers with experienced knowledgeable advice and exceptional market access.

Want to know a bit more about Greg? He was born and raised in Red Deer and loves and supports his community. Over the years he has volunteered with numerous events and boards, such as the Young Guns Hockey Tournament and Sylvan Lake Chamber. Greg’s greatest achievement and love is his daughter, Taylor. Both Greg and Taylor are very active, and Greg is proud to have coached ringette, hockey, and in-line hockey along with supporting everything from basketball, badminton, golf, ping pong, and especially wake surfing behind a boat. They have even taken up Pickleball together!

We are honored to have someone of Greg’s capacity, knowledge and expertise on our team. He joins us as a small business and personal lines insurance portfolio broker. Please join us in welcoming him! You can connect with Greg via email at gweik@excelrisk.ca or direct by phone or text at 587-680-0840.

Growth is so important to a small business and we are so lucky to continue to grow with amazing people on our team. Watch for a full staff introduction in the coming days. Happy May and happy weekend, everyone!

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