Royal & Sun Alliance Canada

Recomended by: Intact Insurance Toronto

RSA, as one of Canada’s leading property and casualty insurance companies, provides home, car and business insurance through a network of independent brokers nationwide. We’re Canada’s largest marine insurer and second largest travel insurer. With almost 3,700 employees, we’re nationally represented with regional offices and branches coast to coast.
The RSA Canada Group includes:

• Royal & Sun Alliance Insurance Company of Canada
• Quebec Assurance Company
• Western Assurance Company
• Ascentus Insurance Ltd.
• The Johnson Corporation
• Coast Underwriters Ltd.
• Canadian Northern Shield Insurance Company
• Noraxis Capital Corporation
• GCAN Insurance Company
• RSA Travel Insurance Inc.

RSA’s core strengths and our promise to keep our customers moving in the good and not-so-good times is supported by our brand beliefs:

• Brilliant Service
• Getting the job done
• Doing the right thing
• Bright ideas
• Positive people

 

Our global story
The history of RSA is the story of how insurance began. The Sun was established in 1710 and is the oldest insurance company in existence still trading under its original name. The Alliance was founded in 1824. In 1833, the British America Assurance Company changed its name to Royal Insurance Company of Canada in 1976. Learn more.

Our Canadian story
We are one of the oldest insurance companies in Canada with roots dating back to 1833. UK-based Royal Insurance saw our country’s growth potential and by the mid 1860s, had agencies from Halifax to Victoria.

Fire was the early catalyst for the insurance industry in Canada. In the 1800s, a small fire fed by wooden buildings could easily destroy a city street. Major fires in Montreal and Toronto took their toll, forcing many insurance companies to declare bankruptcy. Royal Insurance prospered and gained a reputation for full and prompt payments.

Our history:
RSA has a proud heritage dating back almost 300 years. The current Company structure was created in 1996 following the merger of two of the largest insurance companies in the UK, Royal Insurance and Sun Alliance. In 2008 we shortened our name to RSA and simplified and refreshed our corporate brand.

 

			2011 RSA Travel Insurance Inc./Assurance Voyager RSA inc.
2011 On Jan. 7, 2011 RSA Canada completes acquistion of GCAN Insurance Company from Ontario Teachers’ Pension Plan Board
			2007 Dec. 31, 2007 RSA Canada completes the acquisition of Canadian Northern Shield Insurance Company from the CUMIS Group Limited
2001 RSA sells its Canadian Life Insurance arm to Maritime Life to focus purely on P&C Insurance
			2001 RSA Canada’s affiliate, Western Assurance Company, acquired the personal insurance operations of Kemper Canada, with RSA Canada purchasing certain commercial insurance operations of Kemper Canada.
1998 Royal Insurance Company of Canada changes it’s name to Royal & Sun Alliance Insurance Company of Canada.
			1997 Royal & SunAlliance (Canada) acquired The Johnson Corporation/Unifund Assurance Company, the Canadian Personal Lines business of Hartford Insurance Company of Canada and Hartford Fire Insurance Company, and a majority of shares of Coast Underwriters Limited.
1996 Royal Insurance and Sun Alliance merged operations world wide on Jly 19, to become Royal & SunAlliance Insurance Group plc.
			1994 Sun Alliance Insurance Company amalgamated with Royal Insurance Company of Canada to form Royal Insurance Company of Canada
1961 Royal Insurance (UK) acquired The Western Assurance Company and The British America Assurance Company – the two oldest fire insurance companies in Canada. Our Toronto head office sits on Western’s headquarters built in 1880
			1915 Royal Insurance (UK) absorbed the famously-named Hudson Bay Insurance Company.
1892 First Sun Alliance office opens.

Our Products & Services

We’ve been serving Canadians since 1845 and understand your varied property & casualty insurance needs. Our products are distributed by independent brokers.

Auto insurance
Our auto insurance team has your mandatory and optional insurance needs covered.

Home insurance
Find the right policy to protect your home and belongings. We have a range of optional coverages you can choose for your house, condo, apartment, boat, or holiday home.

Personal Specialty Insurance
Personal Specialty Insurance (PSI) is a unique division within RSA. Staffed by a small and dedicated team of specialists, we focus on personal insurance products outside of the standard home and auto offerings.

Commercial Insurance
Royal & Sun Alliance Insurance Company of Canada (“RSA”) only offers insurance in the industries where we have specialized expertise. Our knowledge translates into the best protection for your business.

Understanding Insurance
Learn more about insurance and find answers to frequently asked questions.

 

Find a Broker

Insurance Broker – your best bet for insurance coverage

RSA insurance products are distributed by brokers across Canada. What’s the advantage? A broker works one-on-one with you to determine the most suitable insurance policy for your needs. With knowledge of insurance products from different companies, you can be sure a broker will advise you on your best bet for coverage.

* Click here to find a broker near your area.

What should I expect from a broker?

Brokers work for you, the customer, to find coverage that meets your needs. They are licensed by the provincial government or various provincial broker associations, depending upon the jurisdiction. You do not pay for the services of a broker; they receive commission through the insurance company. Here are some areas where a broker can help you:

• Ask questions about what you’d like to insure to assess your needs
• Access policy information from different insurance companies to find your best fit
• Offer advice on the different premium payment plans
• Assist you if you need to make a claim
• Work with the insurance companies to change or amend your existing policy

How can I change my broker?

At some point, you may wish to discontinue your business relationship with your broker but you want to continue to hold your insurance with RSA. If for any reason, you decide to change brokers, review the list of brokers who have contracts with RSA. Simply fill in your city and province to receive the contact information for all our current broker business partners in your area. Please note that completion of a new application form may be required so that your new broker has your most up-to-date information to understand your existing insurance needs.

 

Claims

Report a Claim

Insurance is a promise to help you get your life back to normal in case of an accident, theft or disaster. If you do need to file a claim, our experienced claims professionals are here to help – 24 hours a day, 365 days a year.

Need to report a claim? You can call us directly at 1-800-319-9993, 24 hours a day and a claims service representative will be happy to immediately handle your claim. Or call your broker who will report the claim on your behalf.

A Royal & Sun Alliance Insurance Company of Canada (“RSA”) representative will confirm coverage when possible, explain your options, and make arrangements for repair or replacement of your lost, stolen or damaged property. Learn more about our Claims promise or what to expect during the Claims process.
I want to report:

• an Auto claim
• a Commercial claim
• a Property claim
• a Windshield claim
• a Marine claim

Understanding the Claims Process

What happens when you call our claims team to report a loss? Here is the step by step process we follow to help you get back to your everyday life.

• First step: Reporting a claim
• Second step: Providing the details
• Third step: Assessing and repairing the damage
• Fourth step: Helping injured claimants
• Fifth step: Issuing payment
• Sixth step: Closing your claim

Customer Promise

We are committed to working with you by keeping you informed and providing prompt, fair and professional service.
Our skilled team of claims professionals deliver our claims value commitment on every claim by:

• Contacting customers promptly and in a professional manner
• Investigating claims efficiently
• Arranging for repairs in a timely manner
• Settling claims fairly
• Keeping the customer informed throughout the claims process
• Resisting fraudulent and exaggerated claims

Service Commitments

1. Initial contact with our Policyholder is no later than 4 business hours of our receipt of notification of loss. If we are not successful in speaking with the Policyholder during initial contact, we will follow up with insured the next business day.
2. Initial contact with Claimant is no later than 1 business day of exposure being identified.
3. All telephone messages received by 3 p.m., are returned the same business day. Messages received after 3pm are returned no later than the next business day.
4. Once the date of inspection has been established with the insured, the vehicle will be appraised within 1 business day of assignment being given, in urban areas and, within 3 business days of the assignment being given in rural areas. For heavy commercial vehicles, the vehicle will be inspected within 1 business day of assignment being given in urban areas, and within 3 business days of the assignment being given in rural areas.
5. A total loss from an auto accident is negotiated and paid within 10 business days of the report of the motor vehicle accident and for heavy commercial vehicles, it is negotiated and paid within 20 business days of the report of the motor vehicle accident. A total loss theft of all types of vehicles is negotiated and paid within 30 days of the theft report.
6. When required, we inspect damage to your home or business within 2 business days of the claim being reported.
7. We issue a cheque within 2 business days of the settlement.
8. Invoices are processed within 5 business days of being received.*
9. Written inquiries from Policyholders and Brokers are answered or acknowledged within 5 business days of receipt.
10. We will keep the Policyholder informed, in a timely manner, of key developments throughout the life of the claim.*

* Exceptions may apply on Accident Benefit claims as dictated by Provincial Legislation.

 

Is RSA for you?

 

At Royal & Sun Alliance Insurance Company of Canada (“RSA”), you have the opportunity to be your best. We’re committed to giving you the focus you need to positively impact our business, and develop the capabilities you need to achieve your personal and professional goals.

Our team is made up of high performers across Canada – people who are adept at leading change and seeking out new challenges, and are as passionate about the company as they are in their participation in its overall success. If you’re a natural leader with a team mentality, and have the drive to succeed in a fast-paced, goal-driven environment, we invite you to find out more about joining our team.

Focus your career
Part of achieving your goals comes from knowing the right direction to take. We’ve built our success on empowering our people to make a difference, and ensuring every one of our team members understands their contribution to our business strategy. More Info

Expand your capability
We recognize the quality of our talent is one of the driving factors behind our success. To this end, we work closely with you to help you enhance your knowledge and skills, as well as give you opportunity to further develop your career. More Info

Our commitment to you
We’re committed to retaining our high performers by offering market-competitive compensation and flexible benefits. Our Performance Management Process enables us to identify top performers and reward them based on their efforts. More Info

Offices Across Canada

You can find us from coast-to-coast:

Head Office	10 Wellington St. E. Toronto, Ontario M5E 1L5 Tel: (416) 366-7511 Fax: (416) 367-9869 Toll Free: 1-800-268-8406
Ontario Regional Centre Sheridan Insurance Centre	2225 Erin Mills Parkway, Suite 1000 Mississauga, Ontario L5K 2S9 Tel: (905) 403-2333 Fax: (905) 403-3324 Toll Free: 1-800-263-9280
Western Assurance Company Sheridan Insurance Centre	2225 Erin Mills Parkway, Suite 1000 Mississauga, Ontario L5K 2S9 Tel: (905) 403-3318 Fax: (905) 403-3319 Toll Free Fax: 1-866-594-8443 Toll Free: 1-877-263-4442
Atlantic Regional Centre	50 Garland Ave, Dartmouth, Nova Scotia B3B 0A3 Tel: (902) 493-1500 Fax: (902) 468-7472 Toll Free: 1-800-565-7651
Quebec Regional Centre Commercial Insurance	1001 De Maisonneuve Blvd. West Suite 1400 Montreal, Quebec H3A 3C8 Tel: (514) 844-1116 Fax: (514) 844-4926 Toll Free: 1-800-361-2766
Quebec City Service Office	825 Boul Lebourgneuf Suite 206 Quebec City, Quebec G2J 0B9 Tel: (418) 622-2040 Fax: (418) 622-0400
Western Regional Centre	300, 326 – 11 Avenue SW. Calgary, Alberta T2R 0C5 Tel: (403) 233-6000 Tel: (403) 233-6000 P/I Fax: (403) 233-6900 C/I Fax: (403) 233-6065 Claims Fax: (403) 233-6807 Toll Free: 1-800-661-9292
Specialized Products & Services Group Commercial Insurance	10 Wellington St. E. Toronto, Ontario M5E 1L5 Tel: (416) 366-7511 Fax: (416) 366-0930 Toll Free: 1-800-268-8406
Coast Underwriters Limited	1610 – 200 Granville St. Vancouver, British Columbia V6C 1S4 Tel: (604) 683-5631 Fax: (604) 683-8561
Johnson Inc.	P.O. Box 12049 10 Factory Lane St. John’s, Newfoundland A1B 1R7 Tel: (709) 737-1500 Fax: (709) 737-1580
Canadian Northern Shield Insurance Company (CNS)	1900 – 555 West Hastings Street Vancouver, British Columbia V6B 4N6 Tel: (604) 662-2900 Fax: (604) 662-5698 Toll Free: 1-800-663-1953

Focus your career
Part of achieving your goals comes from knowing the right direction to take. We’ve built our success on empowering our people to make a difference, and ensuring every one of our team members understands their contribution to our business strategy.
MORE INFO