Insurance Disclaimer

Coverage descriptions are summaries

Every description of coverage on this website is a plain-language summary intended to help you understand what a type of policy is generally designed to do. Summaries necessarily leave things out. They are not policy wording and they do not form part of any contract of insurance.

Coverage depends on the policy issued

• Whether a loss is covered is determined by the terms, conditions, limits, deductibles, definitions and exclusions of the policy actually issued to you
• Availability of any coverage is subject to insurer underwriting, acceptance and appetite, and can change without notice
• Different insurers use different wordings; two policies described by the same name can respond differently
• No coverage is guaranteed, and nothing on this website should be read as a promise that a claim will be paid

This is not advice

The content here is general information, not legal advice, not tax advice, and not a recommendation for your specific circumstances. Discuss your own situation before making a decision about coverage.

Licensing and how business is placed

Mansher Waraich is a licensed insurance broker. Commercial property and casualty business is placed through Sonic Insurance; life, critical illness and disability business is arranged through MSW Financial. Commercial Insurance Advisor is a practice name used by Mansher Waraich and is not itself an insurer or a brokerage.

No claims or premium promises

No representation is made about premium levels, savings, or the outcome of any claim. Premiums are set by insurers based on their own underwriting, and claims are adjusted against the policy wording and the facts of the loss.

Changing or reporting on a policy

Do not use the website form to report a claim, to request an urgent change, or to cancel coverage. Call 780-599-6660 so that it can be actioned and recorded properly.