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2019 PRODUCT CHANGES

Guardian Risk Managers is committed to providing valued products and service while maintaining a continued focus on underwriting results.

Both our Manufactured Home and Recreational Vehicle products in our point-of-sale system have been refreshed to ensure that proper valuations and pricing are applied to individual risks. You will notice some changes to the screens when quoting new risks

In addition to the system changes,

Effective: January 1, 2019 (New Business) February 1, 2019 (Renewals)


Recreational Vehicle Changes
(Alberta & BC)

  • 5%-10% rate increase on Supreme / Guaranteed Replacement Cost Risks
  • 5% increase in the Fulltime Residence Surcharge
  • Implementation of minimum policy deductibles based on unit value and claims free status

Manufactured Home Changes
(Alberta & BC)

  • Mandatory valuation for Manufactured Homes on Replacement Cost has been implemented and the minimum dollar value per square foot has increased to ensure proper replacement values are being calculated.

Important Product News for Our Alberta Broker Partners

Guardian Risk Managers is pleased to announce a change to the Underwriter of our Alberta Automobile Products.

Effective September 1, 2018 New Business and October 1, 2018 Renewals, our underwriting partner will be changing from Economical Insurance to SGI Canada. This decision aligns with our strategy as an organization to allow us to continue providing your customers with industry-leading products and access to knowledgeable underwriters and claims professionals.

In conjunction with this change, there are a few product changes and rate changes.

Alberta Motorcycles

  • 5% premium increase on the Third Party Liability, Accident Benefits, Collision, Comprehensive and Specified Perils coverage
  • Physical Damage Extension (SEF 20, SEF 27 & SEF 35) is no longer being offered
  • SEF 43R Limited Waiver of Depreciation is being discontinued

Alberta Motorhomes

  • No changes to the Third Party Liability and Accident Benefits premiums
  • All Perils Coverage:
    • Increased rate on the $250 deductible option
    • Introduction of new $1,000 and $2,500 deductible options
    • Higher minimum deductibles will apply to motorhomes valued over $100,000
    Values Minimum Deductible
    $10,000 - $100,000 $250
    $100,001 - $250,000 $1,000
    Over $250,000 $2,500
  • SEF 35 Emergency Expense endorsement is being discontinued
  • SEF 43R Limited Waiver of Depreciation is changing to 5 years of the original delivery date
  • Coverage Extension Endorsement is being replaced with CAE 2 Motorhome Coverage Extension Endorsement and includes $10,000 coverage for Personal Property, $2,000 coverage for Emergency Vacation Expense and $500 Lock Re-keying coverage. There is no change in the premium for this endorsement.

Please make the necessary changes to your Broker Management Systems regarding commission and Insurer changes when issuing any liability cards.

Should you have any questions or concerns, please contact underwriting@guardianrisk.com.

Thank you for your continued support!

Tiny Home Insurance

The Guardian Risk Managers Tiny Home Insurance product is designed for the newest way in which Canadians travel and call home. Tiny Homes are uniquely designed to be elegant and cozy. These unique products can be used as either a mobile unit, or permanently placed on a lot, giving your clients flexibility to take their home wherever they wish to go!

We designed our product to protect the investment your clients have made in these living spaces. Below is a review of how our product shapes up to help protect your clients.

Product Highlights:

  • All Risk Coverage
  • Replacement Cost Settlement
  • Available for permanently placed and mobile units
  • Competitive Rates
  • $2,000,000 Liability Limit Included

Enhanced Coverages:

  • Personal Property Coverage
  • Power Generator & Solar Energy Equipment Coverage
  • Towing & Storage
  • Fire Department Charges
  • Sewer Backup
  • Watercraft

Click on the link to obtain a Quick Quote and access the full Application form.

Guardian Risk Managers Ltd. Wildfire Notice

This is an alert to notify you of Guardian Risk Managers Ltd.'s position on accepting new business in areas affected by wildfire.

We will not accept any new business or endorsement limit/coverage increases within the following area of an active wildfire:

  • Protected - within 50KM
  • Semi-Protected - within 50KM
  • Unprotected - within 50KM

Please contact one of our underwriters if you have any questions or concerns about this matter. Please note that we will not decline to renew existing business due to a wildfire.

The B.C. Government has a very informative website for details on the current wildfire situation. The web address is http://bcwildfire.ca/Situation/

Please note that this information is subject to change. Please check back frequently for any updates.

A new way to pay with Guardian Risk Managers Ltd.

We are pleased to announce a new Monthly Payment Plan (PMP) effective April 1, 2017. This will allow your clients additional options and flexibility in paying for their Guardian policies, and provide our broker partners with an added benefit service.

Benefits of Guardian PMP:

  • Low minimum policy premium to qualify for PMP ($250)
  • Your clients can save time and money with the ease of automatic billing from their bank account or credit card

Ways to pay:

  1. Pre-authorized monthly payment plan
  2. Onetime payment in full through most major credit cards or cheque

Please visit www.guardianrisk.com to find our FAQs for our new payment options or visit our payment options page.

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For Claims
Tel: 1-844-531-1841
Email: claims@guardianrisk.com