FAQ

About the Program

Who is the Business Protection Program?

The Business Protection Program is a product sponsored by The Canadian Chamber of Commerce (CCC).

How does buying an insurance policy through this online system work?

Obtaining a quote and purchasing a policy online is easy. Just complete the short online application and enter your payment information. That’s it.

Your Certificate of Insurance will be sent to you electronically, fully bound on the date you selected.

Who is Dion IPM?

Dion Insurance Program Managers (Dion IPM) is the Program manager for the Business Protection product.

Why should I purchase my insurance through the Business Protection program?

The Business Protection program has been designed to meet the needs and reflect the special characteristics of your leadership and staff.

You can be confident that you’re getting the right coverage at the right price.

Can I call and speak with someone?

We suggest having your existing policy with you, if applicable, as it will help answer questions required to obtain a quote.

If you have any questions while completing the questionnaire, please call us at 1-855-897-4848 Monday through Friday between 9 am and 5 pm Eastern time.

About quotes

Do I need to wait for my renewal date to switch my policy?

You could save by switching your policy with us now in addition to having more comprehensive coverage!

Our agents can help assess the potential savings and are available via the live chat feature, phone 1-855-897-4848 or email[email protected] to provide knowledgeable assistance as well.

How do I get a quote?

We suggest having your existing policy with you, if applicable, as it will help answer questions required to obtain a quote.

Simply click here to get started.

After answering the questions for each step, a quote will be presented to you. At this point, you will have the option to secure your quote by completing the payment process or saving it and returning at a later time. Quotes will be saved for 30 days.

How do I retrieve a saved quote?

Each quoting session is given a unique URL, which you can save as a bookmark. Alternatively, you may copy the unique URL and save it to a location of your choosing for your files. An email will also be sent to you with the URL address of your quote.

For how long are quotes valid for?

Quotes are valid for 30 days. After 30 days have passed, you will need to re-enter your information to obtain an up-to-date quote.

About Brokers

I have a good relationship with my broker and I would still like to use their services. How can I do that if the policy is purchased online?

This policy can be purchased directly by you, the client or by a Registered Insurance Broker* on your behalf.

The very first question on the application asks for your Broker’s information, once complete they can continue on with the application process. Your broker will need your membership and credit card information to proceed with applying for and binding coverage.

If you would like to purchase the policy on your own, you can do that too. Simply say “NO” to the question that asks if you are a broker. The premiums are the same, regardless of how you answer.

I am a broker binding on behalf of my client and I have some questions, who can I contact?

Please email us via [email protected]

I am a broker and I bound a policy on behalf of my client. They now have questions, who do they contact?

As their broker, your client should be contacting you directly for any queries they may have regarding coverage, claims etc.

I purchased this policy without the use of a broker, and I have questions. Who can I contact?

Please call, email or live chat with us at 1-855-897-4848, [email protected] Monday through Friday between 9 am and 5 pm Eastern time.

Policy

My current policy doesn’t renew for 6 months – now what?

You could save by switching your policy with us now in addition to having more comprehensive coverage!

We can help assess the potential savings and our agents are available via the live chat feature, phone 1-855-897-4848 or email[email protected] to provide knowledgeable assistance as well.

You may also wish to start the quote process by clicking here.

How do I pay for my policy?

We accept payment via credit card (VISA, MasterCard) through a secure system. Payment is required in order for the policy to be issued and emailed to you.

How do I cancel my policy?

If you need to cancel your policy for any reason, simply call us at 1-855-897-4848. A broker will walk you through the steps to complete the cancellation and discuss any questions or concerns you may have.

How do I make changes to my policy?

Busy chambers are always changing. If you have increased your contents, changed locations or just need to update your policy please submit your change request online or call us at 1-855-897-4848 – Monday through Friday between 9am and 5pm Eastern time.

What happens if I have a claim?

If something happens and you think you may have a claim, submit your request online or call us directly, at 1-855-897-4848, as soon as possible. We are here to help. Or, you can call the Insurer’s (Unica Insurance) claims department directly to report your claim at 1-866-864-1113.

How do I obtain a Certificate of Insurance?

If you need to show proof of insurance coverage for a landlord or client, you can print one right off the system. Go back to your email confirmation, open the link. Certificate copies are also emailed to you upon purchase.

Coverage

What’s covered?

This is a comprehensive insurance program, click here for a list of what’s covered.

What’s not covered?

Business Protection program exclusions are found in our wordings. Exclusions outline reasons why a claim could be denied. Please click here.

Is this world wide coverage?

Commercial General Liability Coverage extends worldwide, however suits must be brought forth in Canada, United States or Puerto Rico.

Is Umbrella Liability available and what does it cover?

Yes, Umbrella Liability Coverage is available as an add-on to the package policy liability limits to a total liability limit of up to ten million dollars. It can be purchased in addition to the package. Umbrella coverage is available for liability limits of $3M, $5M or $8M. The additional liability under an Umbrella increases the limits for:

  • Bodily Injury and Property Damage
  • Personal and Advertising Injury
  • Bodily Injury and Property Damage portion of underlying auto policies of vehicles owned by your chamber (no more than four).

What if I want more excess insurance or have more than four vehicles?

Give us a call, 1-855-897-4848, we can help you.



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