Insurance Agency vs. Insurance Broker
An insurance agent typically only sells for one company that employs the agent directly. When you deal with an insurance broker like McCabe, we can choose from multiple companies, ensuring you have a better selection of rates and coverages to choose from. Our interests are aligned with yours, not with those of an employer. Our long-term staff will act in your best interests throughout the different stages of your life.
Even the most careful homeowner is at risk for fire, water damage, theft and vandalism. We can also design a package to provide full protection for special items like jewellery, bicycles or recreational toys, such as boats, snowmobiles, and ATVs; as well as insurance for rental properties and seasonal cabins. It makes sense to protect your home and your belongings. We explain the policy coverage and any policy limits, and review your needs to help you determine the amount of protection that is right for you.
Tenants often feel they don’t need insurance since they don’t own their own home, or that they don’t have enough possessions to insure. But if there’s a fire, water damage, theft or vandalism, the loss can be quite substantial. Tenants can also be found liable for a guest’s injuries or building damage. And insurance can give you a replacement place to live if yours is uninhabitable due to an insured loss. Affordable coverage is a small price to pay for peace of mind.
Condominiums have special insurance needs. Your condo corporation may have an insurance policy for common areas and the structure itself, but that policy doesn’t cover your belongings, your personal liability, improvements you make to your unit, or improvements a previous owner made. We can review the unique protection that is important to you as a condominium owner and tailor a package that meets your needs.
A good business insurance plan provides solid basic coverage plus additional options to choose from that meet specific requirements of the business. Whether you are seeking office or retail space insurance or you are a contractor, manufacturer, or service station owner, a complete and comprehensive package can be tailored to your needs. Together, we can maximize your protection at the lowest cost.
When your livelihood and your home are one and the same, a comprehensive insurance package insures peace of mind. We can tailor a policy to cover your dwelling(s), belongings, buildings, livestock, machinery, liability. We create one single policy at a competitive rate. In the event of damage due to fire, lightning, windstorm, vandalism or a number of other perils, you’re covered.
SGI Motor Licensing insures all vehicles and drivers licensed in Saskatchewan, but the coverage only provides the minimum protection required by law. A premium package policy can add liability protection, family security coverage, a lower deductible, increased injury benefits, windshield coverage, replacement cost for new vehicles, and replacement rental cars. Some insurers also offer a multi-vehicle discount. Package policy coverage extends to most vehicles, including rental cars anywhere in Canada or the U.S. (though talk to us about exceptions).
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Surety bonds can help you win contracts, enhance your professional opportunities and grow your business. Contract bonds can be used for bidding, performance, labour and material, or maintenance work requirements. We also offer over 50 types commercial surety bonds, including license and permit bonds, financial guarantee bonds, and many more. Bonds can be a cost effective way to qualify for business opportunities while not tying up cash and other assets as collateral. We’ll happily walk you through the process, keeping things as simple and straightforward as possible.
It can be stressful when problems happen while travelling like emergency medical coverage, baggage loss, trip cancellation or delays. We take away the worry with travel insurance options that meet your needs, whether you’re travelling for business or vacation, or whether you need coverage yearly options or daily. With comprehensive travel coverage, you and your family can travel with peace of mind, knowing that you are safely insured. You can also bundle travel insurance with health plans for greater savings. See our Blue Cross travel plans and our GMS TravelStar travel plans.
Not all health services in Canada are covered by Medicare, and if you wait until you have an issue, you often can’t get coverage. We make sure you’re covered for services like dental work, prescription drugs, physiotherapy, massage, eye exams and glasses, and orthotics. Plus, we provide group health and dental plans for workplaces. If you’re nearing retirement, our conversion plans allow you to keep a health plan after you retire without undergoing evaluation. You have a limited time after retirement to qualify, so get in touch with us today if you’re interested. See our Blue Cross health plans and our GMS Individual Health plans