Personal Insurance Products

Personal Insurance protects you, your family and your personal property.

At any level, this can be the most important insurance coverage that you can have. A fire in your home, an automobile accident or a theft of your personal property are situations that you never want to be in. But, with proper coverage these situations can be made more bearable.

Insurance policies and coverage can vary dramatically and so can their premiums. It is important to understand what your policy's coverage and limits are when you are comparing price. This can sometimes be difficult due to the language and terminology of insurance policies.

For these reasons people choose to use KRG for assistance and guidance when making decisions about their insurance needs

KRG's Personal Lines staff can help you:

• understand terminology and coverage options,
• decide what coverage and deductibles are best for you,
• obtain a competitive price among premium Canadian insurance carriers

Business Insurance Products

Commercial Insurance covers a broad range of risk management and protection services. Coverage and policy types can range from property / casualty insurance to broad-form liability to workers compensation. Each of the areas in commercial risk management have their own intricacies and specializations. The diverse and complex nature of commercial risks dictates that it should always be left to a professional.

At a functional level, our Commercial Lines area is divided into three units to better serve your company's interests. They are:

• Independent Business
• Middle Market
• Special Risk

There are so many options for insurance that knowing what you need to insure can be difficult. Insurance carriers will let you insure anything, provided you pay their premium. Knowing the 'what to cover' and the 'how much' can not only reduce your annual insurance premiums, but also ensure that when you have a loss you are not made painfully aware of the exclusions in your coverage.

Additional Helpful Information

• Protect your high value items
  Ask us about adding a Personal Articles Floater...
• Don’t underfund your Co-Insurance coverage
  For many commercial property and business insurance policies, Co-Insurance is a fundamental principal of your contracted coverage. It is important you understand how it works.
• Winterizing your home
  Have Your insurance coverage kept pace with the increased replacement value of your property?
• Deep snow is deep trouble
  Every winter, many roofs collapse due to heavy snow or ice. Excessive accumulations of snow and ice will require removal...
• Storing your motorized toys for winter
  It is very important when storing anything with a motor that you make sure you take the following steps to avoid any unnecessary damage...
• Flashing lights ahead… What would you do?
• Is it time for an Anti-Theft Device?
  The statistics are staggering. A vehicle is stolen every three minutes in Canada… that’s over 170,000 vehicles each year!
• Protect your business against Burglary, Robbery and Theft
  For businesses, such as jewellery stores, burglary, robbery and theft are an all too common problem. From an insurance perspective, there are policies or contracts that distinguish and protect against these types of crime...