Commercial

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Farm Insurance


Farm Insurance

Our farm policies can include coverage for your residence, personal contents, farm buildings and farm liability. We can also help you insure your machinery, livestock and produce. Contact one of our broker team members for more detailed information.

Request a Quote

One of our experienced insurance advisors will review the information and be in touch with you as soon as possible. Thank you for choosing A.P. REID for your small business or commercial insurance needs!

Prefer to speak directly to an insurance advisor?
Call our Commercial Centre of Excellence at 1-855-811-9876







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About Us

EXPERIENCED. DEDICATED. RESPONSIVE.

  • Comprehensive, competitive solutions tailored to your business
  • Knowledgeable, professional and dedicated national team
  • Thorough risk analysis of your business needs
  • Strong relationships with most of the top insurance companies in Canada

PROFESSIONAL. COMPETITIVE. CREATIVE.

  • Commercial insurance solutions for Canadian businesses since 1980
  • Written service standard guarantee to our key customers
  • Local representation, national reach, global solutions
  • Preferred insurance broker for many national and regional business associations

AP Reid Insurance Limited, Sheppard Insurance Service and Risk Management Inc. and Axxium Assurance Inc. have come together as a part of The Storm Insurance Group.

We are now a national multi-channel group of insurance organizations bringing our combined resources, unique histories and experience together to allow us to deploy solutions and talent from coast to coast to serve you better

Who We Are

AP Reid Insurance Limited

AP Reid logo

Established in 1980 by Aileen Reid; A.P. Reid Insurance was built with a vision to deliver personalized coverage to clients across Nova Scotia. With passion and vision, Aileen began by establishing a loyal clientele, over decades expanded the company across Atlantic Canada, and created innovate delivery models for insurance solutions, inspired by her clients’ needs.

At A.P. Reid Insurance, we’re focused on providing superior service and advice to Canadians for the protection of personal and commercial insurance items. Our customers nationwide rely on us to advise on their insurance coverage and to deliver on the promises we make. Whether comparing quotes, handling policy claims, or helping build stronger communities by investing in community projects, we are committed to providing service first in all that we do.

Sheppard Insurance Service and Risk Management Inc.

Excel-Sheppard-Logos-300x104
Formed in 1979, honesty and integrity has been our cornerstone, and our success and reputation are a testament to this. We endeavour to serve the community by providing our insurance clients with impartial risk management and insurance counseling with the broadest possible choice of insurance companies and coverages. The personnel in our office take pride in utilizing a team approach with all of our clients to maintain a high level of service.

Axxium Assurance Cabinet d’Assurance de Dommages

axxium_assurance_logo
Founded in 2009, our passion for the insurance industry comes from the motivation to help people. The field of insurance is very vast, there are a multitude of products and companies. For over twelve years, we helped to guide and advise our clients to make the best choices that meet their needs and budgets. Since its foundation AXXIUM ASSURANCE has offered a range of quality insurance products. All of our products and services have always met the needs of our customers with satisfaction.

AWARD WINNING SERVICE

Brokerage of the Year Finalist – 2020
IBC Awards
Digital Innovator of the Year
Finalist  – 2020
IBC Awards

Employer of Choice
Finalist – 2020
IBC Awards

Top Brokerage
2020

#1 Brokerage in Canada – 2019
IBC Awards

Digital Innovator of the Year
Finalist – 2019
IBC Awards

Employer of Choice
Finalist – 2019
IBC Awards

#2 Brokerage in Canada – 2018
IBC Awards
Insurance-Business-Canada-Top-10 Awards
Top 10 Insurance Brokers in Canada (Ranked #4)
Insurance Business Canada  2017
Metro-Community-Choice-Awards

Best Insurance Agency
Metro Community Choice Awards 2017

Insurance-Business-Finalist-Best-Brokerage-Over-10-People

Finalist: Best Brokerage Over 10 People

Insurance Business Awards 2017
Progress-Top-101 Awards

Progress Top 101 Companies
12 Time Winner

Progress-Fastest-Growing-Companies Awards

Progress Fastest Growing Companies
3 Time Winner

Business Claims

During normal office hours, please contact our office to report a potential claim.

24/7 After Hours Company Claim Phone Numbers

In the event that you have a claims emergency while our office is closed, please have your policy number ready and phone the appropriate number below:

Is Your Organization Ready for Mandatory Data Breach Notifications?

Minimizing Risk during a Data Breach

Cyber Risks in the Construction Industry

Nexus Business Park Unit 118 - 14315 - 118 Avenue
Edmonton, Alberta
T5L 4S6

Tel: 780-421-1515
Fax: 1-866-966-0969
Email: reception@sheppardinsurance.ca

Monday to Friday: 8:30am – 4:30pm, by appointment

Western Canada - Edmonton, AB

Meet our team

Phil-Cole

Phil Cole

Commercial Relationship Manager (CAIB)
phil.cole@apreid.com
ext 2204

Trina-Ferrier

Trina Ferrier

Commercial Portfolio Manager & Small Business Manager (CAIB)
trina.ferrier@apreid.com
ext 2205

Request a callback

We will return your call during our normal business hours.

Request a quote

Our commercial specialists can create a comprehensive solution for your business

323 Dundas Street East
PO Box 500 Waterdown, ON
L0R 2H0

Tel: 1-855-811-9876
Fax: 905-689-6455
Email: cce@apreid.com

Monday to Friday: 8:30am – 5:30pm, by appointment

Central Canada - Waterdown, ON

Meet our team

Josh-Fentin

Josh Fentin

Commercial Relationship Manager
josh.fentin@apreid.com
ext 2105
APreid logo - white

Stacy Clark

Commercial Portfolio Manager
stacy.clark@apreid.com
ext 2106

Request a callback

We will return your call during our normal business hours.

Request a quote

Our commercial specialists can create a comprehensive solution for your business

201 Brownlow Avenue
Suite 4
Dartmouth, NS
B3B 1W2

Tel: 902-434-7148
Toll-free: 1-844-866-9876
Fax: 1-855-741-5800
Email: headoffice@apreid.com

Monday to Friday: 8:30am – 5:00pm, by appointment

Atlantic Canada - Dartmouth, NS

Meet our team

Tim-Branson

Timothy Branson

Vice President, A.P. Reid Insurance, Atlantic and Quebec (BBA, CIP, CCIB)
tim.branson@apreid.com
514-942-9876

Jackie-Carey

Jacqueline Carey

Commercial Operations Manager (CAIB)
jackie.carey@apreid.com
ext 2117

Nicole-Morgan

Nicole Morgan

Commercial Portfolio Manager & Small Business Manager (CAIB)
nicole.morgan@apreid.com
ext 2129

Barbara-Chase

Barbara Chase

Commercial Portfolio Manager
barbara.chase@apreid.com
ext 2144

Request a callback

We will return your call during our normal business hours.

Request a quote

Our commercial specialists can create a comprehensive solution for your business

Atlantic Canada

201 Brownlow Avenue, Suite 4
Dartmouth, NS B3B 1W2
Phone: 1-855-811-9876
Fax: 1-855-908-9876

Central Canada

3390 South Service Road, Suite 201
Burlington, ON L7N 3J5
Phone: 1-855-811-9876
Fax: 1-855-908-9876

Western Canada

12820 – 107 Avenue NW
Edmonton, AB T5M 1Z9

Phone: 1-800-465-4514

Fax: 1-855-908-9876

Corporate

201 Brownlow Avenue, Suite 4
Dartmouth, NS B3B 1W2
Phone: 1-855-811-9876
Fax: 1-855-908-9876

Manage your policy online

Viewing and managing your insurance policy is easy with the Client Access Centre. Once you register, you’ll be able to get proof of insurance, and view coverage information online.

RealtyGuard

RealtyGuard is the premier insurance program for the Residential Realty Industry that can help you save money and be better prepared for the future.

A.P. Reid is considered the leader in rental property insurance in Atlantic Canada – and every year we build on that reputation by expanding the program and improving the benefits to The Residental Housing Industry.

RealtyGuard is endorsed and recommended by IPOANS and NBAOA. All rental property owners – large and small – can qualify for RealtyGuard.

RealtyGuard Insurance Program Highlights

• Broad Form (All Risk) Coverage
• Replacement Cost
• $2,000,000 Business Liability for the price of $1,000,000
• The Best Rental Income coverage available
• Flood and Earthquake Coverage
• Sewer Back-up Coverage
• Crime Coverage for Theft or Rents
• Inflation Protection
• Available Employee Dishonesty Coverage
• Comprehensive Equipment Breakdown Coverage
• Available Pollution Coverage

We reward good practices – Receive Discounts for:

• Electric Heat
• Wired Smoke Detectors
• Sprinklers
• Monitored Alarms
• Security Entrances
• Rental Industry Education (CAM, etc.)
• Credit Checks
• Tenants Insurance Programs
• Membership in your Industry Association


It is important that you speak with your insurance broker to make sure that you have the proper insurance coverages in place. Doing so will help protect your bottom line and provide peace of mind.

Request a quote online or call our commercial insurance experts today for more information 

Woodchuck

Fire… Vandalism… Injury to a bystander. Just a few of the hazards that can dramatically affect your livelihood if you are the owner of a portable sawmill. Your valuable equipment represents a large capital investment and it’s often operating in tough conditions. The last thing you should have to worry about is your insurance protection.

Designed precisely for your needs

Woodchuck is unlike any other insurance program available to portable sawmill owners. Woodchuck was developed in Lunenburg County, Nova Scotia, Canada – Christmas tree capital of the world. It is managed by a local Nova Scotian firm, Underwriting Contract Administrators, INC. (UCAI) – Insurance specialists who know the forestry business. This means we truly understand the challenges you face.

One Basic Premium

We spell out all the details in writing so that you know exactly what’s covered!

Spare Parts Too

If you keep a stock of spare parts, these can be covered too if you wish. Just tell us the total value of the entire inventory and we’ll add it. You’ll get some of the broadest coverage available on your inventory. We can also add your kiln and any other equipment you’ve purchased to help you operate your portable sawmill business

It is important that you speak with your insurance broker to make sure that you have the proper insurance coverages in place. Doing so will help protect your bottom line and provide peace of mind.

Request a quote online or call our commercial insurance experts today for more information

Equipment Breakdown Coverage

When it comes to Equipment Breakdown Coverage, there are two primary questions that you need to ask. The first is whether your property has an exposure to equipment breakdown and second, whether you currently have coverage in place for this potential exposure.

If your property has any of the following equipment then you definitely have an exposure to loss:

  1. Electrical: Equipment used for the generation, transmission or utilization of electrical power. Components may include panels, cables and transformers.
  2. Mechanical: Any equipment used for generation, transmission or utilization of mechanical power. Examples include elevator and escalator motors, water pumps and motors, ventilation fans and combustion engines.
  3. Air Conditioning and Refrigeration units: These systems contain a variety of pressure vessel, mechanical, and electronic equipment.
  4. Computer & Communications equipment: These include network, telephone, point of sale, fire and burglar alarm systems. Today’s technology contains highly sensitive and sophisticated electronics that can be vulnerable to power surges, for example.
  5. Boiler and Pressure Vessels: Equipment that operates under high internal pressure and includes vessels used for heat, hot water, steam production and processing. 

Virtually all businesses have equipment mentioned above, so you need to consider the financial risks should any of this equipment fail. Not only is there the cost to repair or replace the faulty equipment, but also the additional expenses and lost revenue incurred as a result of the breakdown. If you don’t have a backup unit, will an order be cancelled? Will the business be shut down?  Will you have to find alternative facilities for your tenants? These are important questions to consider.

Equipment breakdown coverage fills this gap by providing insurance to cover the sudden and accidental, physical damage that requires its repair or replacement. The policy can also provide coverage for the loss of revenue associated with the equipment breakdown loss.

It is important that you speak with your insurance broker to make sure that you have the proper insurance coverages in place. Doing so will help protect your bottom line and provide peace of mind.

Request a quote online or call our commercial insurance experts today for more information

Errors & Omissions

Professional liability insurance should be at the centre of your effective risk management strategy. As categories of professionals and consultants evolve and emerge, Errors and Omissions (E&O) coverage has become more specialized. We can ensure that you have the right E&O coverage for all aspects of your business.

E&O insurance is supplementary liability insurance that enhances any business owner’s policy by safeguarding against catastrophic loss in the event of a lawsuit due to a negligent act, error or omission by the professional. In addition to claims of error, omission, or negligence, E&O insurance can also protect against slander, libel and breach of contract.

By nature, professional firms are all at risk of being sued over the services they perform. Even if a lawsuit is groundless, the defense costs can be expensive. Our staff has an advanced understanding of these concerns and can offer the right level of coverage with insurers that understand your business.

Who Needs It?

It is appropriate coverage for anyone who gives advice, makes educated recommendations, designs solutions, or represents the needs of others. Service professionals, such as accountants, computer consultants, software developers, planners, architects, real estate agents, contractors, etc., are prime candidates for carrying E&O insurance.

How much does it cost?

One of the most asked questions we get is, “How much does E&O insurance cost?” The premium for Professional Liability insurance is primarily calculated on two factors, your operations and your revenues. The operations provide an indication of the risk and hazards associated with your professional work while the revenues offer a measure of the size/scope of the exposure. The underwriters calculate the premium once the application forms are completed. As every industry is different, and everyone’s revenues are different, the premiums need to be calculated specifically for each submission.

We have relationships with several of the world’s biggest professional liability insurers. As such, we can offer policies for most industries and operations in Canada. 

It is important that you speak with your insurance broker to make sure that you have the proper insurance coverages in place. Doing so will help protect your bottom line and provide peace of mind.

Request a quote online or call our commercial insurance experts today for more information 

Directors & Officers

To help ensure both your officers’ and the company’s well-being, a directors’ and officers’ liability insurance (D&O) policy is part of a comprehensive risk financing strategy.

Directors & officers (D&O) insurance protects executives against the consequences of any alleged or actual “wrongful acts” they commit while performing regular supervisory duties.

Claims typically stem from errors in judgment, breaches of duty and wrongful acts in connection with company business. The company/organization buys coverage on behalf of its directors and officers to indemnify them against claims. Without this coverage, the personal assets of directors and officers could be at risk.

 

Directors and officers may be liable if they:

  1. misappropriate a corporate asset for personal use or use elsewhere;
  2. commingle business and personal assets;
  3. breach their legal duty to the company; or
  4. fail to disclose potential or actual conflicts of interest

Who Needs It?

Companies and organizations may need this coverage in order to attract quality board members and top executives. If you sit on a board or are a director, we encourage you to insist that the organization has D&O coverage.
 
It is important that you speak with your insurance broker to make sure that you have the proper insurance coverages in place. Doing so will help protect your bottom line and provide peace of mind.

Request a quote online or call our commercial insurance experts today for more information 

Cyber Liability

As technology becomes increasingly important for successful business operations, the value of a strong cyber liability insurance policy will only continue to grow. The continued rise in the amount of information stored and transferred electronically has resulted in an increase in the potential exposures facing businesses.

In a time where a stolen laptop or hacked account can instantly compromise the personal data of thousands of customers, or an ill-advised post on a social media site can be read by hundreds in a matter of minutes, protecting yourself from cyber liability is just as important as some of the more traditional exposures businesses account for in their commercial general liability policies.

A typical cyber liability policy can help protect you from costs associated with a data breach, copyright or trademark infringement, data loss due to natural disasters or hacking and business interruption.

It is important that you speak with your insurance broker to make sure that you have the proper insurance coverages in place. Doing so will help protect your bottom line and provide peace of mind.

Request a quote online or call our commercial insurance experts today for more information 

Commercial Vehicle

A Policy Designed For Your Needs

Whether you’re self-employed with just a single truck or a business owner with a fleet of vehicles, we can find the policy for you. Every business has their own unique needs, and each vehicle may be used in a different way. Our team of experienced brokers will help you find the right coverage options to fit your needs. We will also help you save time by shopping around and making sure you are getting the policy you need at a competitive price.


What coverage options do I have?

  • Liability (Section A):. This coverage pays for bodily injury or property damage to others if you are negligent in some way.
  • Accident Benefits (Section B): This coverage provides limited medical protection, death benefits and lost wages.
  • Physical Damage (Section C): This option protects your vehicle in the event of a collision or insured loss.

 

There are also many optional endorsements that can be added to your policy.  Here are some of the most common options:

  • Family Protection Endorsement (S.E.F.  44): Helps you when another party injures you in an auto accident and they do not carry a high enough liability limit on their policy to compensate you. This endorsement would make up the difference between the other driver’s limit and the limit on your policy.
  • Loss of Use Endorsement (S.E.F.  20): If your vehicle is damaged from an insured peril, you may be left without any means of transportation.  This endorsement will provide coverage for the expenses of a rental vehicle.  There are many options to choose for the maximum limits.  We will help determine which option fits you best.
  • Limited Waiver of Depreciation Endorsement (S.E.F  43): This endorsement waives the depreciation when a new vehicle is added to the policy.   Depreciation will not take effect until the specified period of time as shown in the endorsement wordings.  This is usually 24-36 months from the vehicle delivery date date.
  • Legal Liability for Physical Damage to a Non-Owned Automobile (S.E.F.  27): Extends the physical damage coverage to a non-owned automobile, such as a rented vehicle. Limits apply.

Request a quote online or call our commercial insurance experts today for more information 

Commercial Property

An event such as a fire in your workplace can be extremely costly. In addition to the costs associated with fixing the damages, there is also a good chance that your day-to-day business activities will be interrupted during the repairs.

To avoid potential expenses related to loss or damage, it is important you have adequate property coverage for your business, regardless if you own, lease or have a home office.

Commercial property insurance protects your business’ physical assets against potential loss and damage, from a broad range of events, such as water damage, earthquake, fire, ice damage and vandalism.

This coverage includes property used in the operation of the business, such as equipment, furniture, and computers, along with personal and customer property that is kept at the business.


It is important that you speak with your insurance broker to make sure that you have the proper insurance coverages in place. Doing so will help protect your bottom line and provide peace of mind.

Request a quote online or call our commercial insurance experts today for more information 

Business Liability

General liability insurance provides coverage if your business is found to be legally liable for damages caused by bodily injury or other physical injury, personal injury (including libel and slander), advertising injury property damage as a result of your products, premises or operations.


What does general liability insurance include?

  • Personal and Advertising Injury – Protects against offences made by you or your staff during the course of business, such as libel, slander, disparagement or copyright infringement in advertisements.
  • Defence Costs – Provides coverage for legal expenses for liability claims brought against your business, regardless of who is at fault.
  • Medical Expenses – Provides coverage for medical expenses if someone is injured on your premises or by your products.
  • Occupiers and Operations Liability – Provides coverage for bodily injury and property damage sustained by others on your premises or in conjunction with your business operations.
  • Products Liability – Provides coverage for bodily injury and property damage sustained by others as a result of your products.

 

Who Needs It?

Every business, ranging from small business to large corporations, across every industry can benefit from general liability insurance.

It is important that you speak with your insurance broker to make sure that you have the proper insurance coverages in place. Doing so will help protect your bottom line and provide peace of mind.

 

Request a quote online or call our commercial insurance experts today for more information

Business Interruption

Insurance on your buildings and its contents protect you for the value of your property should it be destroyed by fire.  Business Interruption Insurance gives you protection for the “reason you are in business”.  Your cash flow and your future earnings.  Without Business Interruption Insurance, you risk burning your money.

Following major damage to your premises, your income would be significantly reduced or be eliminated completely until your premises is rebuilt and restocked.  For some businesses who can quickly move to new or temporary premises and source stock and tools locally, this could be a short period of time. In such cases, a low level of Business Interruption Insurance may be acceptable.  Other businesses could be shut down completely for a long period of time, generating no revenues at all and face continuing, if not increased expenses. Your retained earnings and future profits would all be at risk of being consumed to keep you in business if you shut down after a major loss.  These past and future earnings are all insurable. 

Don’t risk having to commit your past and future success to paying continuing expenses while your business has been shut down by a major fire or windstorm. 

What can happen without Business Interruption Insurance?

Many business have had to shut down permanently after a fire or other major disaster.  They may have had adequate fire insurance, but lacked the resources from past profits, or borrowing power against future profits to pay the continuing expenses while their premises was being rebuilt.  These expenses could then make “going back in business” impossible.

What does Business Interruption Insurance do?

Business Interruption Insurance behaves almost as if it was your gross profit.  You have funds available to continue paying all the operating expenses of the business even though it has substantially slowed or completely shut down.  When the amount of insurance is properly calculated, and the scope of Business Interruption Insurance is properly selected for your operation, you should have your usual net profit left over so that you can continue to cover your debt service obligations and receive your ordinary return on investment.  The concept behind Business Interruption Insurance is to “leave you in the same position financially as if no loss had occurred”

It is important that you speak with your insurance broker to make sure that you have the proper insurance coverages in place. Doing so will help protect your bottom line and provide peace of mind.

Request a quote online or call our commercial insurance experts today for more information

Anti-Spam Coverage

Canada’s anti-spam legislation (CASL) came into effect on July 1, 2014. If a business is found guilty of violating this act, the maximum penalty is $1 million per violation for an individual and $10 million per violation for entities (such as corporations).

Under the new legislation, no one is exempt – not non-profits, not charities, not small business owners. Everyone is liable.

According to the law, if you solicit new business by sending emails (AWeber, Constant Contact, MailChimp, or even a group of contacts in Outlook), using Facebook, Twitter, text messages, or even leaving a voicemail to follow up with a new business referral, you could potentially be spamming.

The law itself is fairly easy to follow. However, if your network is hacked and used to send out spam emails, or if one of your employees mistakenly sends out a letter or an email to a client who asked to be removed from your mailing list, your business could be liable.

While fines have been rare so far, they could potentially cost your business millions of dollars. Even without a fine, the legal fees to defend against such complaints can be extremely expensive. The standard commercial policy does not cover these costs.

A Cyber Extension with lower limits is a good alternative compared to an expensive “stand-alone cyber policy”. This valuable coverage will protect you from the legal fees and other costs associated with defending yourself against a complaint for inadvertent spamming.

It is important that you speak with your insurance broker to make sure that you have the proper insurance coverages in place. Doing so will help protect your bottom line and provide peace of mind. 

Request a quote online or call our commercial insurance experts today for more information

Trucking & Transport

We understand that as a business owner, you’ve invested lots of time and hard work in making your business successful. We also understand the risk involved in the day-to-day operations of your business. This is why our commercial insurance specialists work with you to create customized solutions for all aspects of your business, to ensure that you are protected in the event of unforeseen circumstances.

Given the complex and specialized nature of businesses within the trucking & transport industry, it is important that you speak with your insurance broker to make sure that you have the proper insurance coverages in place. Doing so will help protect your bottom lines and provide peace of mind. Contact one of our commercial insurance experts today to discuss options further.

 

Request a quote online or call our commercial insurance experts today for more information

Technology

Who needs Technology Insurance?

A few types of businesses that may need this insurance coverage:

  • IT consultants and service providers
  • Computer hardware manufacturers
  • Electronic equipment companies
  • Software companies
  • Robotics companies
  • Telecommunication companies
  • Web developers or designers
  • Internet service providers

Insurance solutions for businesses in the Technology Industry, generally include the following:

  • Business Personal Property – Business personal property insurance provides coverage for the
    building, equipment, fixtures, furniture, merchandise, etc., identified in an insurance policy as owned by the insured and used in the business.
  • General Liability Insurance – General liability insurance provides coverage if your business is found to be legally liable for damages caused by bodily injury or other physical injury, personal injury (including libel and slander),
    advertising injury property damage as a result of your products, premises or operations.
  • Cyber liability – A cyber liability policy protects against damage from cyber attacks, data breaches and other basic risks that result from using electronic communications and data storage.
  • Business Interruption Insurance – Business interruption insurance provides protection for your cash flow and your future earnings in the event of a fire or other disaster.
  • Commercial Crime Coverage – Commercial crime policies are designed to insure against certain types of losses that are not covered by a standard commercial property policy, such as employee dishonesty, theft and forgery.
  • Equipment Breakdown Insurance – In the  tech industry, businesses also face the risk of equipment breaking down or becoming damaged. Equipment breakdown insurance covers loss resulting from the accidental breakdown of almost any type of equipment.
  • Umbrella Insurance – Umbrella insurance serves as an additional layer of liability insurance. It protects your assets from major claims and lawsuits.
  • Non-ownership Automobile – Non-owned vehicle insurance provides coverage when you or your employees use vehicles for your business that are not covered under your commercial auto insurance policy.
  • Commercial Auto Insurance – Commercial auto insurance provides coverage for physical damage and
    liability coverages for vehicles used for business purposes.
 

Given the complex and specialized nature of businesses within the technology industry, it is important that you speak with your insurance broker to make sure that you have the proper insurance coverages in place. Doing so will help protect your bottom lines and provide peace of mind. Contact one of our commercial insurance experts today to discuss options further.

Request a quote online or call our commercial insurance experts today for more information

Retail Business

We understand that as a business owner, you’ve invested lots of time and hard work in making your business successful. We also understand the risk involved in the day-to-day operations of your business. This is why our commercial insurance specialists work with you to create customized solutions for all aspects of your business, to ensure that you are protected in the event of unforeseen circumstances.

Who needs Retail Insurance?

A few types of businesses that may need this insurance coverage:

  • Clothing store
  • Florist
  • Specialty food store
  • Pet food / supply store
  • Office and stationery supplies store

Insurance solutions for businesses in the Retail Industry, generally include the following:

  • Business Personal Property – Business personal property insurance provides coverage for the building, equipment, fixtures, furniture, merchandise, etc., identified in an insurance policy as owned by the insured and used in the business.
  • Business Interruption Insurance – Business interruption insurance provides protection for your cash flow and your future earnings in the event of a fire or other disaster.
  • Accounts Receivable Insurance – Accounts receivable insurance provides coverage in the event that a customer fails to make debt payments.
  • General Liability Insurance – General liability insurance provides coverage if your business is found to be legally liable for damages caused by bodily injury or other physical injury, personal injury (including libel and slander), advertising injury property damage as a result of your products, premises or operations.
  • Goods in Transit – Goods in transit insurance covers inventory or other merchandise shipped by the seller, but not yet received and accepted by the purchaser.
  • Commercial Crime Coverage – Commercial crime policies are designed to insure against certain types of losses that are not covered by a standard commercial property policy, such as employee dishonesty, theft and forgery.
  • Umbrella Insurance – Umbrella insurance serves as an additional layer of liability insurance. It protects your assets from major claims and lawsuits.
  • Commercial Auto Insurance – Commercial auto insurance provides coverage for physical damage and liability coverages for vehicles used for business purposes.
  • Non-ownership Automobile – Non-owned vehicle insurance provides coverage when you or your employees use vehicles for your business that are not covered under your commercial auto insurance policy.

Given the complex and specialized nature of businesses within the retail industry, it is important that you speak with your insurance broker to make sure that you have the proper insurance coverages in place. Doing so will help protect your bottom lines and provide peace of mind. Contact one of our commercial insurance experts today to discuss options further.

Request a quote online or call our commercial insurance experts today for more information

RealtyGuard

RealtyGuard is the premier insurance program for the Residential Realty Industry that can help you save money and be better prepared for the future.

A.P. Reid is considered the leader in rental property insurance in Atlantic Canada – and every year we build on that reputation by expanding the program and improving the benefits to The Residential Housing Industry.

RealtyGuard is endorsed and recommended by IPOANS and NBAOA. All rental property owners – large and small – can qualify for RealtyGuard.

RealtyGuard Insurance Program Highlights

• Broad Form (All Risk) Coverage
• Replacement Cost
• $2,000,000 Business Liability for the price of $1,000,000
• The Best Rental Income coverage available
• Flood and Earthquake Coverage
• Sewer Back-up Coverage
• Crime Coverage for Theft or Rents
• Inflation Protection
• Available Employee Dishonesty Coverage
• Comprehensive Equipment Breakdown Coverage
• Available Pollution Coverage

We reward good practices – Receive Discounts for:

• Electric Heat
• Wired Smoke Detectors
• Sprinklers
• Monitored Alarms
• Security Entrances
• Rental Industry Education (CAM, etc.)
• Credit Checks
• Tenants Insurance Programs
• Membership in your Industry Association

It is important that you speak with your insurance broker to make sure that you have the proper insurance coverages in place. Doing so will help protect your bottom line and provide peace of mind.

Request a quote online or call our commercial insurance experts today for more information

Oil & Gas

Need Insurance to get on the Jobsite? We can help.

We provide the core coverages you need in a handy package. Whether you are an oilfield consultant, coring/drilling consultant, wellhead technician, oil well battery operator, gas compressor station operator, work in general oil site maintenance, oilfield trucking or any position in Alberta’s largest industry, we have the insurance product for you.

Insurance solutions for businesses in the Oil & Gas Industry, generally include the following:

  • Property Protection – Includes coverage of miscellaneous contractor’s equipment, hand tools, laptop computers and location devices. Replacement Cost is included on items that are 5 years
    or newer.
  • General Liability Insurance – Commercial General Liability coverage in the event you are found
    legally responsible for injuries or damages suffered by another party.
    Professional Liability is also available.
  • Extra Protection – Extras at no extra charge! Including  riggers Liability, limited pollution coverage, and prairie
    & forest fire fighting expenses.
  • Other Options – We can also provide coverage for cargo insurance, auto insurance and many other areas.

Given the complex and specialized nature of businesses within the oil & gas industry, it is important that you speak with your insurance broker to make sure that you have the proper insurance coverages in place. Doing so will help protect your bottom lines and provide peace of mind. Contact one of our commercial insurance experts today to discuss options further.

Request a quote online or call our commercial insurance experts today for more information

Non-Profit

Who needs Non-Profit Insurance?

If your organization uses volunteers or organizes events, it is important that you protect yourselves, and your volunteers from potential claims and financial losses. 

Insurance solutions for businesses in the Non-Profit Industry, generally include the following:

  • Business Personal Property – Business personal property insurance provides coverage for the building, equipment, fixtures, furniture, merchandise, etc., identified in an insurance policy as owned by the insured and used in the business.
  • Commercial Crime Coverage – Commercial crime policies are designed to insure against certain types of losses that are not covered by a standard commercial property policy, such as employee dishonesty, theft and forgery.
  • General Liability Insurance – General liability insurance provides coverage if your business is found to be legally liable for damages caused by bodily injury or other physical injury, personal injury (including libel and slander), advertising injury property damage as a result of your products, premises or operations.
  • Directors & Officers – Directors & officers (D&O) insurance protects executives against the consequences of any alleged or actual “wrongful acts” they commit while performing regular supervisory duties.
  • Errors & Ommissions  – E&O insurance is supplementary liability insurance safeguards against catastrophic loss in the event of a lawsuit due to a negligent act, error or omission by the professional.
  • Umbrella Insurance – Umbrella insurance serves as an additional layer of liability insurance. It protects your assets from major claims and lawsuits.
  • Commercial Auto Insurance – Commercial auto insurance provides coverage for physical damage and liability coverages for vehicles used for business purposes.
  • Non-ownership Automobile – Non-owned vehicle insurance provides coverage when you or your employees use vehicles for your business that are not covered under your commercial auto insurance policy.

Given the complex and specialized nature of non-profit organizations, it is important that you speak with your insurance broker to make sure that you have the proper insurance coverages in place. Doing so will help protect your bottom line and provide peace of mind. Contact one of our commercial insurance experts today to discuss options further.

Request a quote online or call our commercial insurance experts today for more information

Marine Industry

We understand that as a business owner, you’ve invested lots of time and hard work in making your business successful. We also understand the risk involved in the day-to-day operations of your business. This is why our commercial insurance specialists work with you to create customized solutions for all aspects of your business, to ensure that you are protected in the event of unforeseen circumstances.

Who needs Marine Insurance?

A few types of businesses that may need this insurance coverage:

  • Charters
  • Importers/Exporters
  • Marinas
  • Terminal Operators
  • Ship builders

Insurance solutions for businesses in the Marine Industry, generally include the following:

  • Business Personal Property – Business personal property insurance provides coverage for the
    building, equipment, fixtures, furniture, merchandise, etc., identified
    in an insurance policy as owned by the insured and used in the business.
  • Business Interruption Insurance – Business interruption insurance provides protection for your cash
    flow and your future earnings in the event of a fire or other disaster.
  • Commercial Crime Coverage – Commercial crime policies are designed to insure against certain types of losses that are not covered by a standard commercial property policy, such as employee dishonesty, theft and forgery.
  • Accounts Receivable Insurance – Accounts receivable insurance provides coverage in the event that a customer fails to make debt payments.
  • General Liability Insurance – General liability insurance provides coverage if your business is found to be legally liable for damages caused by bodily injury or other physical injury, personal injury (including libel and slander),
    advertising injury property damage as a result of your products, premises or operations.
  • Environmental Impairment – Environmental impairment provides coverage for the liability and/or cleanup costs associated with pollution.
  • Valuable Papers Insurance – Valuable papers insurance provides reimbursement for the value of valuable papers or records (such as building permits or corporate charters) that are destroyed or lost.
  • Umbrella Insurance – Umbrella insurance serves as an additional layer of liability insurance. It protects your assets from major claims and lawsuits.
  • Non-ownership Automobile – Non-owned vehicle insurance provides coverage when you or your employees use vehicles for your business that are not covered under your commercial auto insurance policy.

 
Given the complex and specialized nature of businesses within the marine industry, it is important that you speak with your insurance broker to make sure that you have the proper insurance coverages in place. Doing
so will help protect your bottom lines and provide peace of mind. Contact one of our commercial insurance experts today to discuss options further.

Request a quote online or call our commercial insurance experts today for more information

Manufacturers

As a business in the manufacturing industry, you go above and beyond each day to create great products. As brokers, we put the same energy into providing the best coverage to protect you and your business. Our commercial insurance specialists work with you to create customized solutions for all aspects of your business to ensure that you are protected in the event of unforeseen circumstances.

Who needs Manufacturer’s Insurance?

A few types of businesses that may need this insurance coverage:

  • Commercial Printers
  • Food and Beverage Manufacturers
  • Machinery & Equipment Manufacturers
  • Clothing Manufacturers
  • Metal Product Manufacturers

Insurance solutions for businesses in the Manufacturing Industry, generally include the following:

  • Business Personal Property – Business personal property insurance provides coverage for the building, equipment, fixtures, furniture, merchandise, etc., identified in an insurance policy as owned by the insured and used in the business.
  • Business Interruption Insurance – Business interruption insurance provides protection for your cash
    flow and your future earnings in the event of a fire or other disaster.
  • Accounts Receivable Insurance – Accounts receivable insurance provides coverage in the event that a customer fails to make debt payments.
  • General Liability Insurance – General liability insurance provides coverage if your business is
    found to be legally liable for damages caused by bodily injury or other physical injury, personal injury (including libel and slander), advertising injury property damage as a result of your products, premises or operations.
  • Goods in Transit – Goods in transit insurance
    covers inventory or other merchandise shipped by the seller, but not yet received and accepted by the purchaser.
  • Commercial Crime Coverage – Commercial crime policies are designed to insure against certain types of losses that are not covered by a standard commercial property policy, such as employee dishonesty, theft and forgery.
  • Umbrella Insurance – Umbrella insurance serves as an additional layer of liability insurance. It protects your assets from major claims and lawsuits.
  • Non-ownership Automobile – Non-owned vehicle insurance provides coverage when you or your employees use vehicles for your business that are not covered under your commercial auto insurance policy.
  • Valuable Papers Insurance – Valuable papers insurance provides reimbursement for the value of valuable papers or records (such as building permits or corporate charters) that are destroyed or lost.
 

Given the complex and specialized nature of businesses within the manufacturing industry, it is important that you speak with your insurance broker to make sure that you have the proper insurance coverages in place. Doing so will help protect your bottom line and provide peace of mind.
 

Request a quote online or call our commercial insurance experts today for more information

Hospitality Industry

As a business in the hospitality industry, you go above and beyond each day to give your customers a great experience. As brokers, we put the same energy into providing the best coverage to protect you and your business. Our commercial insurance specialists work with you to create customized solutions for all aspects of your business to ensure that you are protected in the event of unforeseen circumstances. 

Who needs Hospitality Insurance?

A few types of businesses that may need this insurance coverage:

  • Bed and Breakfast
  • Convention Centre
  • Inn
  • Golf Course
  • Hotel
  • Motel
  • Restaurant

Insurance solutions for businesses in the Hospitality Industry, generally include the following:

  • Business Personal Property – Business personal property insurance provides coverage for the building, equipment, fixtures, furniture, merchandise, etc., identified in an insurance policy as owned by the insured and used in the business.
  • Business Interruption Insurance – Business interruption insurance provides protection for your cash flow and your future earnings in the event of a fire or other disaster.
  • Commercial Crime Coverage – Commercial crime policies are designed to insure against certain types of losses that are not covered by a standard commercial property policy, such as employee dishonesty, theft and forgery.
  • Disappearance and Destruction Insurance – Disappearance and destruction insurance provides coverage against losses caused by employee fraud and forgery, among other causes.
  • Guest Property Coverage –  Guest property coverage extends to property placed inside a safety deposit box on the business property, and legal liability for damages or losses incurred while in the insured’s possession.
  • Accounts Receivable Insurance – Accounts receivable insurance provides coverage in the event that a customer fails to make debt payments.
  • Valuable Papers Insurance – Valuable papers insurance provides reimbursement for the value of valuable papers or records (such as building permits or corporate charters) that are destroyed or lost.
  • General Liability Insurance – General liability insurance provides coverage if your business is found to be legally liable for damages caused by bodily injury or other physical injury, personal injury (including libel and slander), advertising injury property damage as a result of your products, premises or operations.
  • Events & Liquor Liability Insurance – Event and liquor liability insurance protects your business against damages or injury caused as a result of intoxication.
  • Umbrella Insurance – Umbrella insurance serves as an additional layer of liability insurance. It protects your assets from major claims and lawsuits.
  • Commercial Auto Insurance – Commercial auto insurance provides coverage for physical damage and liability coverages for vehicles used for business purposes.
  • Non-ownership Automobile – Non-owned vehicle insurance provides coverage when you or your employees use vehicles for your business that are not covered under your commercial auto insurance policy.

Given the complex and specialized nature of businesses within the hospitality industry, it is important that you speak with your insurance broker to make sure that you have the proper insurance coverages in place. Doing so will help protect your bottom line and provide peace of mind.

Request a quote online or call our commercial insurance experts today for more information

Woodchuck

Fire… Vandalism… Injury to a bystander. Just a few of the hazards that can dramatically affect your livelihood if you are the owner of a portable sawmill. Your valuable equipment represents a large capital investment and it’s often operating in tough conditions. The last thing you should have to worry about is your insurance protection.

Designed precisely for your needs

Woodchuck is unlike any other insurance program available to portable sawmill owners. Woodchuck was developed in Lunenburg County, Nova Scotia, Canada – Christmas tree capital of the world. It is managed by a local Nova Scotian firm, Underwriting Contract Administrators, INC. (UCAI) – Insurance specialists who know the forestry business. This means we truly understand the challenges you face.

One Basic Premium

We spell out all the details in writing so that you know exactly what’s covered!

Spare Parts Too

If you keep a stock of spare parts, these can be covered too if you wish. Just tell us the total value of the entire inventory and we’ll add it. You’ll get some of the broadest coverage available on your inventory. We can also add your kiln and any other equipment you’ve purchased to help you operate your portable sawmill business

It is important that you speak with your insurance broker to make sure that you have the proper insurance coverages in place. Doing so will help protect your bottom line and provide peace of mind.

Request a quote online or call our commercial insurance experts today for more information

Contractors & Trades

We understand that as a business owner, you’ve invested lots of time and hard work in making your business successful. We also understand the risk involved in the day-to-day operations of your business. This is why our commercial insurance specialists work with you to create customized solutions for all aspects of your business, to ensure that you are protected in the event of unforeseen circumstances.

Who needs Contractors & Trades Insurance?

A few types of businesses that may need this insurance coverage:

  • Carpenter
  • Cleaning Service
  • General Contractor
  • Electrician
  • Handyman
  • HVAC Contractor
  • Landscaper
  • Plumber
  • Roofer
  • Sign Installation

Insurance solutions for businesses in the Contractor & Trades Industry, generally include the following:

  • General Liability InsuranceNearly all construction contracts require businesses participating in a job to carry general liability insurance. The primary purpose of this insurance is to protect the insured party if a job site accident causes property damage, bodily injury or personal injury to a third party. In the event of a claim, general liability insurance covers the insured party’s legal obligation to pay compensatory damages to third parties.
  • Builder’s Risk Insurance – The majority of construction contracts also require parties to purchase and maintain property insurance that protects their work in progress and certain materials for the duration of the project. This type of property insurance is referred to as builders risk insurance. Under a typical builder’s risk policy, the insurer agrees to pay for direct physical loss or damage to the covered property during the course of construction, unless the loss is subject to an exclusion. Covered property usually includes the building or structure under construction, as well as machinery, equipment, materials and supplies that will become a part of the improvement.Builders risk policies generally stay in effect while a project or structure is being built and expire when construction is completed or when the project is first used or occupied. In contrast to CGL insurance, builders risk insurance offers first-party coverage. First-party coverage protects the insured against damage to its own property, not for the claims of a third party.
  • Wrap-up Liability Insurance – As an alternative to having each party obtain separate liability policies, project owners and general contractors can turn to a wrap-up insurance program to manage risks.
    Sometimes referred to as controlled insurance programs, wrap-up insurance programs are centralized insurance and loss control programs intended to protect the project owner, general contractor and subcontractors under a single insurance policy or set of policies for the construction project.
  • Professional Liability InsuranceProfessional liability insurance protects policyholders against claims that arise from an error, act or omission in their performance of a professional service. This form of insurance, commonly referred to as errors and omissions (E&O) insurance, is highly specialized and tailored to the policyholder’s profession.
  • Business Interruption – provides coverage for loss of income if your business suffers after a disaster.
  • Pollution Liability Insurance – Many businesses in the construction industry wrongly assume that unless they are engaging in environmental remediation work, they have no pollution liability exposures. Virtually every Commercial General Liability policy contains a pollution liability exclusion, which is almost an absolute pollution exclusion. Therefore, it is imperative that a business understands the scope of pollution liability coverage under its Commercial General Liability policy, the availability of limited pollution liability endorsements and the existence of broad form pollution liability policies, if needed.
  • Commercial Crime Coverage – Commercial crime policies are designed to insure against certain types of losses that are not covered by a standard commercial property policy, such as employee dishonesty, theft and forgery.
  • Equipment Breakdown Insurance – In the construction industry, businesses also face the risk of equipment breaking down or becoming damaged during the course of construction. Equipment breakdown insurance, traditionally called boiler and machinery insurance, covers loss resulting from the accidental breakdown of almost any type of equipment.
  • Contractors Equipment Insurance – sometimes referred to as equipment floater insurance, is a form of inland marine insurance that provides protection for equipment and tools that are easily transported from one location to the next. Such policies provide coverage for the direct physical damage and loss to mobile machinery and equipment that is used to complete projects.

Given the complex and specialized nature of businesses within the construction and trades industry, it is important that you speak with your insurance broker to make sure that you have the proper insurance coverages in place. Doing so will help protect your bottom line and provide peace of mind.

 

Request a quote online or call our commercial insurance experts today for more information

Expect more from your insurance broker

At A.P. Reid, we go beyond insurance, to include compliance, risk management and communication resources. Whether you run a small business or a large commercial company, we can create a tailored solution for you.

AP Reid Insurance Limited, Sheppard Insurance Service and Risk Management Inc. and Axxium Assurance Inc. have come together as a part of The Storm Insurance Group.

We are now a national multi-channel group of insurance organizations bringing our combined resources, unique histories and experience together to allow us to deploy solutions and talent from coast to coast to serve you better

INSURANCE BY INDUSTRY

Our commercial specialists design comprehensive insurance and risk management programs to meet the needs of the realty industry.

In the construction industry, you do a lot to protect yourself at work. Our specialists help you protect your business too.

Our commercial insurance specialists create customized solutions to ensure that your manufacturing business is protected.


Protect your business with a comprehensive insurance program designed for the retail industry.

Whether you operate a restaurant, hotel or bed and breakfast, our specialists can develop customized programs to help you reduce risk.

The trucking and transportation industry has unique risks. We provide you with the cover you need to protect it.

Why choose A.P. Reid Insurance | Sheppard | Axxium?

Service First. Always

Our “service first” business model gives you access to the best possible service, advice, and support from our professionally licensed and accredited advisors.

Award Winning Brokerage

Over the years, we’ve held several titles. Most recently, we earned a #1 ranking in Insurance Business Canada’s Top 10 Brokerages of 2020 Report.

40

40 Years of Experience

Our company was formed in 1980 in Dartmouth, Nova Scotia. Since then we’ve helped thousands of Canadians nation-wide protect the things that matter most.