Canadian Rental Association

The Benefits

CRA Insurance Program [Download PDF]

Group Insurance Solutions, in partnership with the Canadian Rental Association (CRA), is proud to be the provider of a specialized insurance program with risk management services for CRA members across Canada. We specialize in helping Canadian associations, buying groups, and independent businesses save money while providing the right level of coverage through specialized group insurance programs. We are here to help you with your insurance needs and help reduce your insurance costs.

Our Guarantee To You:

We will understand your rental business and the risks you face.
In conjunction with the CRA, we have created a specialized insurance program for your industry.
We will work with you to determine the right level of coverage to meet your particular needs.
We will provide consistent and ongoing Canada-wide sales and service support for your insurance needs.
You have the benefit of strength in numbers with preferred group rates.
We will provide each member with immediate premium savings and long-term rate stability.
The Program will provide an opportunity for returns of premium paid directly to participating members during low claiming years.
All participating members will have a representative review current coverage limits, including building evaluations, and provide coverage recommendations.

The following Insurance coverages exclusively designed for CRA members are now available:

Property Insurance
Rental Equipment Off-Premises Insurance
Liability Insurance
Business Interruption
Crime
Equipment Breakdown
Equipment Re-Rental
Theft by Conversion Coverage

Features and Benefits

Feature	Benefit
Immediate Savings	Guaranteed rate reduction off current policy premiums
Long-Term Rate Stability	Members’ future premiums are base upon Program claims, not on insurance market swings
Ownership of Premiums	45% of premiums owned by participating members Fund pays defined portion of claims; any balance after claims of each year’s fund belongs to inured members
Proven Structure	“Protected self-insurance” structure same as for the Alberta Hotel & Lodging Association, Sobeys, and the Association of Manitoba Municipalities
Complete Insurance Protection	Insurer pays all claims over the annual deductible fund No deficit or retroactive assessment can occur in this program
Administration	Underwritten by Royal & Sun Alliance and Arch Canada; AM Best “A” rated insurers “Protected self-insurance” fund held by Western Financial Insurance Company Risk Management, loss prevention and building evaluation service Consistent claims handling with control adjusters and lawyers under Group Insurance Solutions’ direction on CRA’s behalf

To take advantage of the benefits of the Canadian Rental Association Insurance Program, please contact:

Justin Friesen

Vice-President, Commercial Insurance

1-800-665-8890 ext. 7211

Justin.friesen@westernfgis.ca

CPM Manuals

AS IF YOU DON’T HAVE ENOUGH PROBLEMS ALREADY!

A wise man once said that the perfect business would have no employees. Those of our members who struggle with HR-related problems (you know who you are) will be pleased to know that your Association has developed a customized

EMPLOYEE POLICY MANUAL

Which is now available exclusively to CRA members.

And best of all, this important business tool is yours for just $599.00, a saving of $2,400.00 off

the standard retail price.

POLICY MANUAL? READ WHAT ALDO SAYS

“The managers are happy as well as the employee’s and myself. They now refer to the Manual

themselves and the questions I kept getting went away. We now also deal with things in a

consistent manner. Every employee signs off on receiving the manual and so there is never a

question that they were not aware of something. It has become a valuable tool in our company.”

Aldo Chies

, Owner, A & B Tool Rentals

The Canadian Rental Association believes that having an Employee Policy