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CPLUS

October 2020 Wording Changes

RECREATIONAL VEHICLES (AB & BC) – BUDGET WORDING

We are pleased to announce the following changes to our BUDGET RV WORDING:

  • The Insured Perils is changing from Named Perils to ALL RISKS

Please note that the Basis of Loss Settlement for the RV unit remains Actual Cash Value (ACV) and the Basis of Loss Settlement for Personal Property remains Replacement Cost.

Please review the new policy wording to familiarize yourself with the changes. New policy wordings can be found in the My Guardian section of our portal cplus.guardianrisk.com

If you have any questions, please contact our Personal Lines Department by phone or email underwriting@guardianrisk.com

October 2020 Wording Changes

MANUFACTURED HOMES (AB & BC) – NAMED PERILS WORDING

We are pleased to announce the following changes to our Manufactured Home Named Perils Wording:

  • Special Limits of Insurance:
    • increased the limit for Property of Students & Parents in a Nursing Home from $0 to $5,000
    • increased the limit for Numismatic Property (coin collections) from $200 to $500
    • increased the limit for Collectables from $500 to $1,000
    • removed the limitation for Spare Auto Parts
    • removed the limitation for Motorized Wheelchairs
    • added a limitation ($1,000/$2,500) for Theft of Personal Property from a Vehicle
    • added a limitation ($2,500) for Personal Tools
  • Exclusions:
    • added a Hearing Aid and Contact Lens exclusion
    • added an exclusion for Personal Watercraft (jet ski’s & seadoo's)
  • Extensions of Coverage:
    • amended Mass Evacuation coverage to $5,000/4 weeks
    • added Identity Theft coverage $10,000
    • added Safety Deposit Box coverage $10,000
    • removed the Food Freezer sub-limit
  • Improved and clarified the language in the Basis of Claim Payment
  • Updated and clarified the Vacancy Definition
  • Updated the Cannabis Definitions, Extensions, Limitations & Exclusions including Section I Property and Section II Liability
  • No Policy Deductible if the claim exceeds $10,000 is changed to $25,000
  • Updated Section II Liability Coverage
    • increased Voluntary Medical Payments
    • increased Voluntary Property Damage
  • Updated the Pollution Exclusions in Section I Property and Section II Liability
  • Updated the Statutory Conditions (current BC & Alberta versions)

Please review the new policy wording to familiarize yourself with the changes. New policy wordings can be found in the My Guardian section of our portal cplus.guardianrisk.com

If you have any questions, please contact our Personal Lines Department by phone or email underwriting@guardianrisk.com

October 2020 Wording Changes

MANUFACTURED HOMES (AB & BC) – ALL RISKS WORDING

We are pleased to announce the following changes to our Manufactured Home All Risk Wording:

  • Special Limits of Insurance:
    • increased the limit for Property of Students from $5,000 to $10,000
    • increased the limit for Parents in a Nursing Home from $2,500 to $5,000
    • increased the limit for Jewellery from $5,000 to $6,000
    • increased the limit for Numismatic Property from $500 to $1,000
    • increased the limit for Watercraft from $2,000 to $2,500
    • removed the limitation for Spare Auto Parts
    • removed the limitation for Motorized Wheelchairs
    • added a limitation $2,500/$5,000 for Theft of Personal Property from a Vehicle
    • added a limitation $5,000 for Personal Tools
    • added a $500 limitation for Property Kept at a Place of Business
  • Exclusions:
    • added a Hearing Aid and Contact Lens exclusion
    • added an exclusion for Personal Watercraft (jet ski’s & seadoo’s)
  • Extensions of Coverage:
    • amended Mass Evacuation coverage $5,000/4 weeks
    • added Identity Theft coverage $10,000
    • removed the Food Freezer sub-limit
  • Improved and clarified the language in the Basis of Claim Payment
  • Updated and clarified the Vacancy Definition
  • Updated the Cannabis Definitions, Extensions, Limitations & Exclusions including Section I Property and Section II Liability
  • No Policy Deductible if the claim exceeds $10,000 is changed to $25,000
  • Updated Section II Liability coverage
    • increased Voluntary Medical Payments
    • increased Voluntary Property Damage
  • Updated Pollution Exclusions in Section I Property and Section II Liability
  • Updated the Statutory Conditions (current BC & Alberta versions)

Please review the new policy wording to familiarize yourself with the changes. New policy wordings can be found in the My Guardian section of our portal cplus.guardianrisk.com

If you have any questions, please contact our Personal Lines Department by phone or email underwriting@guardianrisk.com

Guardian Risk Managers Ltd. Wildfire & Flood Notice

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

With respect to 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 150KM

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 https://www2.gov.bc.ca/gov/content/safety/wildfire-status

With respect to flood, we will not accept any new business that is in a flooding area, flood evacuation area, or a flood watch area along with a high stream advisory.

Please contact our underwriting team if you have any questions or concerns. You can email underwriting@guardianrisk.com or call 1-866-683-8870.

*This information is subject to change. Please check back frequently for any updates.

*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 underwriting@guardianrisk.com.

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 claims@guardianrisk.com.

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.

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