Trusted Regina Insurance experts at Campbell and Haliburton Insurance Inc have been in the community for over 50 years. They know it is customer service and knowledge that counts when you are in need of an insurance company in Regina. Campbell & Haliburton Insurance, myCH.ca, dedicated insurance brokers in Regina, can assist you with finding the plan that works best for you. In their latest Campbell & Halliburton Regina insurance tip, they talk about commercial insurance and the 3 most commonly asked questions.
What is Commercial Insurance?
Commercial insurance is a type of insurance that is designed to protect businesses from financial losses resulting from unexpected events. It is an essential part of any business’s risk management strategy and can help protect a business from a wide range of potential liabilities. However, many business owners are not familiar with the specifics of commercial insurance and have questions about what it covers and how it works. Here are the top 3 most asked questions about it.
1. What does it cover?
Commercial insurance can cover a wide range of potential liabilities for businesses, including property damage, liability for injuries or accidents that occur on the business’ property, and losses resulting from natural disasters or other unexpected events. It can also provide coverage for lost income or extra expenses that a business may incur as a result of a covered event. Some common types of commercial insurance include general liability insurance, property insurance, and business interruption insurance.
2. How much do I need?
The amount of insurance that a business needs will vary depending on the type of business and the specific risks that it faces. For example, a business that operates in an area with a high risk of natural disasters may need more coverage than a business that operates in a low-risk area. Additionally, a business that has a lot of valuable assets, such as expensive equipment or inventory, may need more coverage than a business with fewer assets. Business owners should work with their Campbell & Haliburton insurance agent to assess their specific risks and determine the appropriate amount of coverage.
3. How do I choose the right policy?
Choosing the right commercial insurance policy can be a complex process, as there are many different types of coverage available and different policies can have different terms and conditions. Working with Campbell & Haliburton’s Commercial Brokers who have experience working with businesses similar to theirs will help them understand the different options available. Business owners should also read the policy carefully and make sure they understand the coverage and exclusions before making a decision.
In conclusion, commercial insurance is an essential part of any business’s risk management strategy, but it can be complex and difficult to understand. Business owners should be familiar with the top 3 most asked questions about it which includes what commercial insurance cover, how much do I need and how to choose the right insurance policy. If you aren’t sure what about your commercial insurance, connect with Campbell & Haliburton’s Insurance Brokers and they will get everything straightened up for you.
Our Trusted Regina Insurance Agents at Campbell & Haliburton have your best interests and safety in mind and our commitment to customer service is one of the pillars of our business. They know insurance inside and out, so please get in touch with them for all of your insurance needs and they will be more than happy to help ensure what you value most is protected. 
**This is a general overview. There are many different insurance companies, and there are always differences in insurance policies. For specific details on your policy and coverage, we recommend that you contact your agent or broker.
Trusted Regina Insurance experts at Campbell and Haliburton Insurance Inc have been in the community for over 50 years. They know it is customer service and knowledge that counts when you are in need of an insurance company in Regina. Campbell & Haliburton Insurance, myCH.ca, dedicated insurance brokers in Regina, can assist you with finding the plan that works best for you. In their latest Campbell & Halliburton Regina Home insurance tip, they talk about going on vacation and your auto insurance.
Vacations can take you away, i.e. the cruise of a lifetime, other times you are using travelling somewhere with your vehicle. Here are a few tips to remember as you prepare for either vacation.
- If you are not taking your car, and leaving it at home, be sure to take anything personal out of the vehicle including your auto insurance policy and put it safely in your home. If your vehicle is kept in your garage, keep the keys separately from it and out of sight. When you return, you can return your personal items to your vehicle.
Road Trips and Your Auto Insurance
- Know Your Car Insurance Policy – Read through your existing coverage to ensure that it provides everything you need to remain safely protected no matter where you’re travelling. Make sure you know if you are covered in Canada and the US and what would happen if you were in an accident.
- Make sure that your car is ready for the long journey ahead. Visit your car mechanic and make sure the important service checks are up to date (e.g. tires, oil pressure, brakes, fluid levels). If you’re attaching a hitch or trailer to your car, check that it, and all the items inside, are secure. Additionally, it’s not a bad idea to load the maps for your destination on your GPS or mapping apps in advance. The more you know, the more you’ll feel confident on the road.
By taking the right steps before you go, you’ll be ready to enjoy your vacation. If you aren’t sure about your vacation and your auto insurance, connect with the Campbell & Haliburton Insurance Brokers they will get everything straightened up for you.
Our Trusted Regina Insurance Agents at Campbell & Haliburton have your best interests and safety in mind and our commitment to customer service is one of the pillars of our business. They know insurance inside and out, so please get in touch with them for all of your insurance needs and they will be more than happy to help ensure what you value most is protected. **This is a general overview. There are many different insurance companies, and there are always differences in insurance policies. For specific details on your policy and coverage, we recommend that you contact your agent or broker.
Trusted Regina Insurance experts at Campbell and Haliburton Insurance Inc have been in the community for over 50 years. They know it is customer service and knowledge that counts when you are in need of an insurance company in Regina. Campbell & Haliburton Insurance, myCH.ca, dedicated insurance brokers in Regina, can assist you with finding the plan that works best for you. In their latest Campbell & Halliburton Regina Home insurance tip, they talk about going on vacation and your home insurance.
Whether it is a 3-day vacation in the middle of winter or the cruise of a lifetime, there are a few things you need to make sure you do before you leave on your vacation.
- Make sure you have a trusted friend check in on your home every 48 to 72 hours. This check-in consists of them walking into your home, and checking each room. Make sure that all windows and doors are still shut and locked, and that there are no puddles of water anywhere.
- Have them turn on a different set of lights each time they check your home, this helps make your home look occupied. Another choice is Digital Timers from Home Depot which turn your lamps on and off at programmed times.
- Make sure that your mail is brought into your home this also helps make your home look occupied.
- If it snows while you are gone, make sure that someone shovels the snow or drives up and down your driveway a few times and walks up to the front door.
- As your friends are checking your home, have them keep a log of anything that may not look normal. If you ever have to make an insurance claim, this can be helpful.
Extended Leaves
If your vacation is going to be longer than a week you may want to think about the following items:
- Have someone move into your home while you are going to be gone.
- If that is not an option, then you should turn off your water and drain all your water pipes. There is nothing worse than coming home to freezing cold and busted water pipes.
- Still have a trusted friend come and check your home every 48 hours.
- Talk to your local insurance agents at Campbell & Haliburton about you being gone for an extended time. There may be different insurance coverages available for these situations.
Our Trusted Regina Insurance Agents at Campbell & Haliburton have your best interests and safety in mind and our commitment to customer service is one of the pillars of our business. They know insurance inside and out, so please get in touch with them for all of your insurance needs and they will be more than happy to help ensure what you value most is protected. **This is a general overview. There are many different insurance companies, and there are always differences in insurance policies. For specific details on your policy and coverage, we recommend that you contact your agent or broker.
Trusted Regina Insurance experts at Campbell and Haliburton Insurance Inc have been in the community for over 50 years. They know it is customer service and knowledge that counts when you are in need of an insurance company in Regina. Campbell & Haliburton Insurance, myCH.ca, dedicated insurance brokers in Regina, can assist you with finding the plan that works best for you. In their latest Campbell & Halliburton Regina Home insurance tip, they discuss travel insurance.
“I’m leaving on a Jet plane, don’t know when I’ll be back, but I’m leaving on a jet plane.” Yep, it’s my favourite song as I walk through the Regina airport, my carry-on case gracefully rolling behind me. As I walk and sing in my head, I’m doing the mental checklist to make sure I’ve got everything done:
- Lights put on automatic timers ✔️
- Home insurance policy on the table, just in case something happens while I’m gone ✔️
- Car policy on the table ✔️
- Have someone coming to check on my house while I’m gone ✔️
- Travel Insurance – Nooooo! I forgot to purchase that… oh well I’ll be fine I don’t need it.
But let’s do a quick review:
What is Travel Insurance?
Travel insurance is a type of insurance that helps to cover the cost of medical care if you become sick or injured while travelling.
When do you need it?
If you plan to travel outside Canada ‒ even for a single day ‒ you should buy travel health insurance before your trip or vacation.
There are a number of risks you face when travelling, and travel insurance can help protect you from financial loss in the event of an emergency. If you need medical assistance while abroad, travel insurance can help cover the cost of your medical bills and care. And if your trip is cancelled or interrupted, travel insurance can reimburse you for non-refundable expenses.
Travel insurance is an important consideration for any trip, and it’s especially important if you’re travelling to a country with high medical costs or risks.
Outside of Canada, what is covered under Travel Insurance?
No matter where in the world you are travelling, there are 3 basic medical expenses your travel health insurance policy should always cover: medical evacuation from your travel destination if required, coverage for any pre-existing conditions you have, and repatriation (covering the cost of transporting your remains should you pass away during your trip).
Every travel medical insurance policy is unique, as one has many options when applying for coverage. Most travel medical insurance policies typically cover:
- Emergency medical treatment for illness or injury
- Prescription medications
- Emergency dental treatment services
- Essential medical equipment (crutches, wheelchairs, slings, braces, etc.)
- X-rays and other diagnostic laboratory procedures (bloodwork, ultrasounds, etc.)
- Required ground, air or sea ambulance services
- Follow-up post-medical appointments with healthcare providers
- Medical evacuation
- Ambulance travel to the nearest hospital
- Meal expenses and accommodations while waiting for medical care\
Our Trusted Regina Insurance Agents at Campbell & Haliburton have your best interests and safety in mind and our commitment to customer service is one of the pillars of our business. We also know insurance inside and out, so please get in touch with us for all of your insurance needs and we will be more than happy to help ensure what you value most is protected.
Campbell & Haliburton's doors opened in 1957. Since then, they have seen run-away inflation, recessions, and now, a global pandemic. Through it all, their doors have remained open as they are committed to providing outstanding service to you. No matter what the next years and decades bring they have committed to continue to stay open to serve you.
Campbell and Haliburton Insurance are a Trusted Regina Insurance provider.
They offer many different insurance policies to protect the most important areas of your life including:
**This is a general overview. There are many different insurance companies, and there are always differences in insurance policies. For specific details on your policy and coverage, we recommend that you contact your agent or broker.
Trusted Regina Insurance experts at Campbell and Haliburton Insurance Inc have been in the community for over 50 years. They know it is customer service and knowledge that counts when you are in need of an insurance company in Regina. Campbell & Haliburton Insurance, myCH.ca, dedicated insurance brokers in Regina, can assist you with finding the plan that works best for you. In their latest Campbell & Halliburton Regina Home insurance tip, they share the October 2022 Talk To The Experts Regina Home Insurance Show. Hear what happened when Dave's house blew up!
The Campbell & Haliburton Home Insurance Show:
On October 2022 we aired our second Campbell and Haliburton Talk To The Experts Show on CJME 980AM. the theme of our second show was centered around the experience one of our Insurance brokers’, Dave Arnold had – he explains why he appreciates the importance of Home Insurance!
Part 1
Part 2
Packages for Home Insurance are not one size fits all. We all have different needs and different budgets. At Campbell & Haliburton, we will help you determine the best home insurance for you. Confused by terms like Prestige, Broad Form, or Comprehensive Insurance? We’ll explain this to you in ways that will make sense. Plain talk you can understand – not insurance-speak. Life can be expensive. Protect you and your family with reliable, understandable home insurance from Campbell & Haliburton. We help you look after what is important to you.
Our Trusted Regina Insurance Agents at Campbell & Haliburton have your best interests and safety in mind and our commitment to customer service is one of the pillars of our business. We also know insurance inside and out, so please get in touch with us for all of your insurance needs and we will be more than happy to help ensure what you value most is protected.
Campbell & Haliburton's doors opened in 1957. Since then, they have seen run-away inflation, recessions, and now, a global pandemic. Through it all, their doors have remained open as they are committed to providing outstanding service to you. No matter what the next years and decades bring they have committed to continue to stay open to serve you.
Campbell and Haliburton Insurance are a Trusted Regina Insurance provider.
They offer many different insurance policies to protect the most important areas of your life including:
**This is a general overview. There are many different insurance companies, and there are always differences in insurance policies. For specific details on your policy and coverage, we recommend that you contact your agent or broker.