Toll Free: 1-866-683-8870

*Important Guardian Announcement*

March 18, 2020

Due to recent developments surrounding COVID-19, Guardian staff will now be working from home until further notice. The health and safety of our employees is of the utmost importance, as we all try to do our part to slow the spread of the virus. We continue to follow the advice provided by the various health authorities and will adjust plans accordingly.

While this will undoubtedly cause some slowdown in business activity, rest assured we will do our best to minimize disruptions as we work to service the needs of our broker partners remotely.

Our CPLUS portal remains open to brokers 24 hours a day, 7 days a week. Our underwriters are able to review and approve underwriting referrals during our regular office hours.

If you need to email us please send to

If you need to call us please call 604-522-8870 or 1-866-683-8870 and choose from the list of prompts.

If you have a claim to report please call 1-844-531-1841 or email

We apologize for any inconvenience this may cause and appreciate your understanding and cooperation in this matter.

Please check back frequently for updates.

Sincerely, Guardian Risk Managers Ltd.

Guardian Risk Managers is pleased to announce that our Earthquake Deductible Buy Down Insurance for residential risks and our Strata Earthquake Deductible Assessment Insurance products are now available to Quote, Bind and Issue from our Portal.

Coverage Benefits of Earthquake Deductible Buy-Down Insurance:

  • Affordable premium for clients
  • Increased sales of Earthquake Coverage as clients can purchase buy-down insurance on the deductible
  • Minimize E&O exposure
  • Lower earthquake deductible reduces client stress following an earthquake
  • Flexibility — clients can purchase a limit to cover the deductible up to a maximum of $450,000, or just a portion of the deductible
  • Can be sold as a standalone policy

Coverage benefits of Strata Earthquake Deductible Assessment Insurance:

  • Flexibility — clients can purchase between $25,000 and $100,000 in coverage
  • Client portion of the Strata Corporation’s Earthquake Deductible becomes stress free
  • Standalone policy with a simple application below
  • Clients can buy-down their assessed Strata earthquake deductible to as low as $1,000

The process is quick and easy, give it a try!

For instructions on how to process a quote and bind a policy, click here. If you have any questions about the products or how to process transactions, contact our Niche team at


GUARDIAN RISK MANAGERS is committed to offering quality products to our broker partners.

Since entering the Alberta marketplace with motorcycles in 2012 and motorhomes on an automobile form in 2014, Guardian Risk Managers has been committed to offering strong, competitive products while ensuring a profitable portfolio.

In September 2018, we changed our underwriting partner in order to continue providing the Alberta Motorcycle and Motorhome products for our brokers and customers. However, after further review of our products and processes, we have determined that we are no longer able to continue supporting these classes of business in their current format at this time.

Effective August 31st, 2019 for new business and September 30th, 2019 for renewals, Guardian Risk Managers will cease writing motorcycles and motorhomes on an automobile form in Alberta. All current and existing policies will remain in force and be fully serviced until their expiry date, at which time they will lapse.

In an effort to provide an alternative coverage option for our broker partners and customers, we will continue to offer Physical Damage coverage only on Motorhomes through our Recreational Vehicle Property product. Effective September 1st, 2019, when a Class A, B or C motorhome in Alberta is quoted, this will be the only product available and any required Third Party Liability will need to be secured elsewhere. This is the product that was available in Alberta through Guardian Risk Managers prior to the launch of the Automobile product.

We appreciate your past support and remain firmly dedicated to providing competitive products including standard and non-standard Commercial and Niche Personal Lines products, specialty and high value habitation risks, in addition to manufactured home, recreational vehicle and BC motorcycle insurance products. Guardian Risk Managers is also passionate about delivering outstanding customer service to our broker partners and customers.

If you have any questions regarding this change, please contact our Business Development Team at

Thank you,

Guardian Risk Managers

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.

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