Life Line Insurance Policies

Personal Lines

Homeowners

Homeowners Insurance provides a service that protects you against loss or damage to your home and personal property through unfortunate events that might occur. It can also protect you from financial loss arising out of bodily injury to a third party and damage to a third party’s property. Life Line offers a package customized to meet your individual needs. We strive to provide the best competitive quote for your home situation.

Condo/Tenant

Tenants or Condominium Insurance provides a service that protects you against loss or damage to your home or property through unfortunate events that might occur. It can also protect you from financial loss arising out of bodily injury to a third party and damage to a third party’s property. Whether you are a tenant or a condominium owner, Life Line offers a package customized to meet your individual needs. We strive to provide the best competitive quote for your home situation. Additional Coverages are included under the Condo Policy which are recommended by the Condo Corporation. Ex. Deductible by down.

Auto

Life Line Brokers handles all of your personal auto needs from your basic plate insurance, to driver’s license renewals to the best of package policies. In Saskatchewan, your plate insurance covers your personal vehicle for physical damage occurrences. A vehicle owner also has the option of purchasing a package policy that enhances coverage beyond that provided by basic plate insurance.

Here is a summary of enhancements to your plate with a package policy:

Third Party Liability: Options of $1,000,000 and up
Family Security: up to 2,000,000
Deductibles for Damage to Your Vehicle: Options of $50-$100-$200-$350-$500-$700
Deductible for Road Hazard Glass Coverage: Options of $50-$100-$200
Replacement Cost on Your Brand-New Vehicle: Restrictions Apply
Loss of Use of Your Vehicle

Commercial Lines

Small Business Insurance

All businesses take some risks, but taking too many risks or failing to protect your self does not make good business sense. Could your business survive if one of the partners dies or becomes disabled? Would you have sufficient cash on hand to deal with any business emergency that could arise? In many cases, the answers to these questions about risk is no. Your business may have many assets: vehicles, an office, equipment, inventory, an indispensable employee or partner and, most importantly, yourself. With Life Line Insurance, we protect your business from potential risks. Why take a chance and go through all that stress when you can have affordable insurance that will take care of all of your businesses needs?

Commercial Insurance Service

Business owners are exposed to a wide variety of risks and need to ensure they’ve obtained the most comprehensive protection possible. Having the right commercial insurance policy does more than just offer peace of mind. It’s an essential part of your company’s strategy to stay competitive and protect yourself, your employees and your assets.

Life Line offers a wide range of Commercial Insurance Services including:

Business Property and Liability Coverage’s
Professional Liability and Errors and Omissions Insurance
Sporting Events, Fairs, Rodeos and Stampedes
Bonding
Condo Corporation Insurance
Cargo Insurance
Apartment building insurance
Small Business Insurance

Contractors Insurance

Insurable Options and Services

Tools on the job site and in vehicles
Contractor’s equipment, including rented
The responsibility for material left on the job site and while waiting for installation
Their liability for work performed and for providing a safe work site for the public

One of the biggest barriers in becoming an Independent Contractor is the liability issue. Insurance is a wise and necessary expense that most small-sized businesses should consider purchasing. Insurance protects you, as an independent contractor, your business, and your personal assets in the event that things don’t go as planned. Contractors have unique needs that are met with a comprehensive Contractors policy. These include but are not limited to:

Condominium Insurance

Condominium buildings are unique in that the insurance requirements are controlled by Provincial Statutes in Saskatchewan. As such, the Condo Board of Directors is obligated to purchase ‘’comprehensive’’ insurance to the full replacement value of the building and contents, as well as liability insurance in case of personal injury on the premises. The ‘’Board’’ is also required to purchase Directors and Officers insurance to cover their liability. Our Condominium Insurance carriers reassure that the proper coverage is in place to meet these requirements. They often will inspect the buildings and make loss control recommendations that benefit the condominium.

Apartments

The major concern with insuring apartment buildings is that the current insurance value accurately reflects the current costs of replacing the building. Replacement Cost coverage is often available but the insurance companies often require a professional appraisal in order to provide this. An alternative to this may be a computer based Commercial Building Valuation. Our clients often use this as a starting point to help determine whether their current level of insurance is adequate. Various deductible options and liability limits are available and of course we shop the market for better rates for you.