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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

Thank you for your continued support!

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

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


Effective Date: April 1, 2018


+5% increase in base rates, Owner Occupied risks only. No other changes.


+5% increase to the Urban territory


+5% increase on Budget and Peace of Mind forms; +10% increase on Supreme form

Hail Protection Discounts have been eliminated

Minimum policy premium increased to $200

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 to find our FAQs for our new payment options or visit our payment options page.

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Tel: 1-844-531-1841