Thursday, 30 April 2015

More than just an Insurance Broker

An Act of Kindness Goes a Long Way

As an account manager at Sharp Insurance, Housam Kabalan is more than just a sales person: he is a true humanitarian and human rights supporter. Born in Lebanon, Housam immigrated to Canada in 1976. As a modest, hardworking insurance broker devoted to his work at Sharp Insurance, many of his fellow co-workers were unaware of his philanthropic activities, until recently.

Housam made headlines all over Canada in 1995 for his quest to raise money for, and awareness to, the atrocities committed to the children in Sarajevo. As a first time bike rider, Housam made a cross country bicycle trek starting from St. John’s, Newfoundland and ending in Victoria, British Columbia. This seven month journey created much media buzz and was successful in increasing awareness about the alarming situation is Sarajevo. Housam was featured in the Calgary Herald, The Montreal Gazette, The Ottawa Citizen, the Toronto Star and more. He raised over $67,000 for this cause.

Previous to his ten years of insurance experience, Housam was a former restaurateur, private detective and karate instructor. When we asked Housam what his hobbies are, he said, “Honestly, it’s my charity work. It consumes all of my extra time.”

The charity work he is referring to is his regular trips to Indonesia where he travels to remote and impoverished towns handing out rice and basic necessities to families in need.

We asked Housam why Indonesia? He replied, “During my travels around Asia I discovered a level of poverty I never knew existed before. I could not stand around and do nothing.”

Since 2009, Housam has independently raised funds for items such as rice, cooking oil, soya sauce, tea, and sugar to pass out to families in Indonesia. He received help from the communities themselves to distribute food items among families:  “These villages are remote, I am talking no road access, [and] you have to walk at least 2 km carrying bags of rice in the bush.”

For his most recent trip to Indonesia Housam focused on families without a working parent (a parent who has passed away or who has left the family) and orphanages. “The families with single mothers and orphanages are really the most in need: they have no one to help them.”

Housam said one bag of rice can feed a family for 30 days. 

For his November trip to Indonesia, Housam raised $1965 total, $825 of that raised by Sharp Insurance. The $1965 helped feed about 98 families.

When we asked Housam when he plans to go back, he said it all depends on the money he is able to raise for his next trip.

Want to find out more about Housam’s charity work in Indonesia? Send us an email at or contact as via Facebook or Twitter

Wednesday, 29 April 2015

Fort McMurray Home Insurance Coverage -- Is Your Home Fully Covered?

When it comes to home insurance coverage, everyone wants to be covered under the best policy that they can afford -- and rightly so. But what some people fail to understand (or in some cases remember) until it's too late is that Fort McMurray home insurance policies don't cover everything.

What we mean by this is simple. But before going further, let's take a look at what you can expect most policies to cover, even though you should already be familiar with that. Before purchasing a policy we cannot stress enough the importance of familiarizing yourself with what the latter entails. However, we are aware that some people don't do this, and this is why this article exists. :-)

Generally speaking, you can expect most policies to cover disaster such as fires, vandalism and thievery. And most of the time, being covered under only one kind of home insurance policy is enough.

But not always.

Assuming that your Fort McMurray home insurance policy covers you against every peril out there is a very dangerous assumption. As some people have found out, this is far from being the truth. Here is what most home insurance policies in Canada don't cover:

- Earthquakes
- Landslides
- Hurricanes
- Floods

So what can you do to make sure that your Fort McMurray home is protected against losses related to those perils?

The answer comes in the form of additional coverage that you can purchase for additional peace of mind. For more information on those policies and whether or not you need them, we encourage you to give a call to your insurance company or insurance broker.

Saturday, 25 April 2015

Calgary Doctors and Malpractice Claims -- How to Avoid Them

Malpractice claims ruin careers and leave finances in shambles. As a doctor currently practicing in Calgary, malpractice claims should be one of your biggest fears, and rightly so.

Thankfully, malpractice can be avoided, or at the very least the risk of them happening can be greatly reduced. Here's how you can do so:

1. Be nice to your clients. This is obvious, but you might be surprised how far a smile or two can go. Of course, there will always be disgruntled clients regardless of whatever you do, but remembering to be courteous and always nice to your clients can help prevent a lawsuit in the future.

2. Track everything. As a Calgary doctor, we know that you are busy. But making sure that you track everything is vital to preventing malpractice claims. Take notes, read your client's chart before seeing them and make sure to write down everything that needs to be written down.

3. Follow up. Following up on clients is important. It lets them know that you care about their health and helps prevent a lawsuit dramatically. All it takes is one simple phone call.

4. Make sure that your patients understand. Before letting a patient go, make sure that they fully understand their diagnosis, medication plans and treatment. Misunderstandings can lead to malpractice lawsuits, so be sure that your patient know exactly what you meant when you said something and why you did what you did.

5. Protect yourself adequately. Lastly, this might not help you avoid malpractice claims, but it sure helps you in the event that you are unable to prevent one. As a doctor, never underestimate the importance of Calgary commercial insurance policies, let alone ignore them -- we simply can't stress this enough.

Thursday, 23 April 2015

Can The Type of Car I Own Make Me a High Risk Driver in Fort McMurray?

Being labelled as a high risk driver in Fort McMurray is not something that anyone wants to go through. But it's the reality for many drivers out there.

What some people fail to understand, however, is that high risk drivers are not always drivers who have partaken in dangerous driving habits in the past. Certainly, many of them have -- if not most of them in fact. But there are other drivers out there who are labelled as high risk drivers simply because they are new drivers or because they drive a different type of car.

Before going further, let's first take a look at the definition of high risk drivers. According to insurance companies, a high risk driver is a driver who has a higher potential of filing a claim. In other words, a high risk driver is a driver who has the potential to cost his or her insurance company a lot more money than the average driver.

Of course, people who have committed infractions in the past fall in that category. New drivers as well, since they are... well, new drivers. But those are not the only people who must pay higher premiums on their Fort McMurray car insurance policy -- people who own valuable cars do so as well.

If you own a valuable car (think sports car or exotic car) in Fort McMurray, then being labelled as a high risk driver is a possibility for you. In the event of this happening, we highly encourage you to shop around for the best Fort McMurray high risk driving insurance policy on the market. Many insurance companies such as Sharp Insurance offer free insurance quotes so be sure to use them wisely!

Monday, 20 April 2015

Flood Insurance Coverage in Alberta

Climate change in Canada

The June 2013 Alberta flooding was a loud wake-up call for many Albertans. Our climate is changing, and Mother Nature let us hear her roar that day. The floods took the lives of four Albertans, displaced thousands of people, and cost the economy a whopping 4.7 Billion dollars. If we zoom out a bit and examine the Alberta flooding on a global scale, the flood was ranked number three most costly natural disaster in 2013 behind the Eastern European floods-16.5 billion in losses, and the European hailstorms totally 4.8 billion in economic costs. In Canada alone, from 2006-2012, the costs of insurance damage from extreme weather related claims have increased by 650%! That does not even include the June 2013 flooding.

How claims effect your rates

What do these numbers mean to you, and why should you care? Whether or not you were affected by the Alberta floods, you will see the impact on both your insurance coverage and insurance premium costs. Overland flooding is an exclusion on your policy; always was and probably always will be. The reason is simple, it costs too much money. Think about it, insurance companies in Alberta paid out 1.9 billion in flood-related claims, most of those for sewer backup. Where do these 1.9 billion dollars come from? Well, it comes from you. Insurance, from its very inception is this: the loss of the few covered by the many. Simple, right? Well, what happens when the loss is the many? It means your premiums must increase regardless of whether or not you had a claim. In other words, insurance is a large pool that every policy holder contributes to; if someone has a loss, money comes out of this pool. If the pool is drained too fast, then people have to put in more money to ensure there is enough to cover future losses.

Sewer backup coverage

Sewer backup coverages are changing in order to reduce the amount of large claims made on insurance policies. Make sure you are covered properly by checking your policy carefully for two things: your sewer backup limits which can range from $15,000 to $100,000. Many insurance companies have reduced the maximum payouts for sewer backup claims, so check to see if yours have been affected by this. The second important change is your deductible. Common deductibles for sewer backup used to be $500 or $1000, but companies are now implementing deductibles as high as $2500.

Why are these changes happening? Well, let’s discuss the most obvious reason first, money. Insurance companies are doing their best to cope with the climate change and the demands it’s putting on insurance claims. Limiting small claims, or even capping claim limits will obviously reduce the payout amount but it will also help to keep your own home insurance rates from increasing too much over the next few years. Sewer back up claim payouts per occurrence is increasing a lot. Basements are developed, really developed. Hundreds of thousands of dollars can go into creating a fully developed basement equipped with home gym or theatre. What once could have been a $20,000 payout for a sewer backup claim can total up to $150,000! Some words of advice: read over your sewer back up coverage carefully and always read over the exclusions outlined in your policy.

Overland Flood Insurance

Our climate is changing and flooding is a reality of that change. Will we experience a flood of that scale again? Possibly, no one can say for sure when. What we do know for sure is that most insurance companies are not going to pay. Clearer-written exclusions on policies and changes to sewer backup coverage will limit sewer backup claims due to overland flooding. Flooding can also be caused by melting snow, rainwater, and other factors. Flooding is a frequent occurrence in the Prairie Provinces so it’s important to know how to protect your home and how to prevent a loss from happening. For more information, see our blog post on “What to do in a flood emergency.”

Aviva Insurance is offering the first ever Overland water coverage in Canada. What does this mean? It means with this enhancement you will have coverage for water damage due to rising freshwater levels, water damage caused by melting snow and ice, and damage due to torrential rain. For more information on this groundbreaking coverage, please visit:

Tell us what you think about flood insurance. Leave a comment below and let us know if you would purchase extra coverage for flood insurance. Insurance should meet the needs of our clients, and not the other way around. We want your feedback!

Saturday, 18 April 2015

How to Save Money On Your Edmonton Car Insurance Policy

While Canadian laws dictate that hitting the road without a car insurance policy under your belt is illegal, this doesn't mean that purchasing car insurance coverage should be painful, or that the insurance policies should be expensive for that matter.

Of course, this might be surprising, especially considering the way people seem to associate "expensive" with car insurance coverage. But as you will soon find out, there are numerous ways for you to make your Edmonton car insurance policy less expensive. Don't believe us? Just keep reading and you will see!

1. Raise your deductible. Okay, this might not be something that you want to do unless you really need to do it, but if you ever find yourself tight on money, then raising your deductible can lower your monthly insurance premiums. Just make sure that should anything happen to you, you have enough money to pay your deductible, otherwise you won't be eligible to make a claim.

2. Protect your car. What some people fail to realize is that the more secure a car is, the less expensive premiums are. How you can make a car safer is simple, really. Begin by deterring thieves away and then making sure that your car is completely up-to-date and safe to drive. 

3. Combine your other insurance policies. Lastly, combining your Edmonton car insurance policy with your other policies (such as home insurance policy) might also be able to save you a few dollars each month. Most companies offer discounts, so be sure to ask if you are interested in lowering your premiums!

Wednesday, 15 April 2015

Calgary Motorcycle Insurance Policy: Where to Buy One?

When it comes to insurance coverage, Sharp Insurance has you covered.

Here's the thing: Finding a reliable and affordable insurance policy is often easier said than done, especially when said insurance policy relates to motorcycles. If you live in Calgary, then you are legally obligated (under Canadian laws) to purchase a Calgary motorcycle insurance policy before hitting the road with your new, awesome bike.

For many people, this discovery is almost as troublesome as the entire process of finding a bike! (And we know how troublesome that can be...)

Well the good news is that finding the best insurance policy does NOT have to be painful (nor does it have to be painful for that matter). If you are new to the world of insurance policies, you will be happy to hear that many Canadian companies of the likes of Sharp Insurance offer free insurance quotes to potential customers like you. While we can't exactly tell you where to buy a policy from, we can tell you (and that's the other good news) where to request a free Calgary motorcycle insurance policy from.

As we said earlier, when it comes to insurance coverage, Sharp Insurance has you covered. For more information on the policy that we offer and what the latter entails, we encourage you to request your free insurance quote from our main website.

Remember that the faster you do so, the faster you will be able to finally hit the road. (So in other words, it's worth it!)

Sunday, 12 April 2015

Lethbridge Home Insurance Policy -- 2 Questions to Ask Before Purchasing

Finding the best Lethbridge home insurance policy is not as difficult as it sounds. With a bit of research and after having obtained enough free insurance quotes, there is no reason why you should still remain uncovered.

With that being said, purchasing a policy head-first without knowing what said policy entails is a bad idea. As a home owner and potential customers, asking questions should be your main priority, especially considering the nature of this purchase.

Here are 2 questions that you should ask your insurance company before purchasing a Lethbridge home insurance policy:

1. What does this policy NOT cover? By now we all know what a home insurance policy, but what some people fail to remember is that home insurance policies don't cover everything. Know what your policy doesn't cover so that you can purchase additional coverage if needed... and perhaps save yourself a few headaches down the road.

2. How can I save money? Saving money on your insurance premiums each month might sound impossible but it's far from being so. Many people don't know that bundling up certain policies can save them money. Many others don't know that securing their house can also save them money. Ask this question so that you know exactly what you can do when/if you ever find yourself tight on money one of these days.

Of course, there are many other questions that you should ask. Those are only 2 of the most important ones. Remember that the more familiar you are with your insurance policy, the less likely to run into trouble you will be. So gp ahead and ask away!

Wednesday, 8 April 2015

Free Red Deer New Driver Insurance Quote -- Why Free Insurance Quotes Are More Important Than Ever

Mixed emotions are associated with insurance policies. Some people don't mind them, others know that they are essential, and others just can't stand them.

As a new driver currently living in Red Deer, Alberta, which one of these people are you?
If you know that insurance policies are essential (or if at least you don't mind them) then you are on the right track. Finding a Red Deer new driver insurance policy shouldn't be much of a trouble for you, assuming that you know where to look.

But if you really can't stand insurance policies, then let's hope that what we are about to teach you today makes the overall process of finding proper coverage easier for you.

Regardless of which type of insurance policy shopper you are, there is one thing that you should never underestimate, let alone ignore -- namely, free insurance quotes such as the ones offered by Sharp Insurance.

As a potential customer, free insurance quotes are you best weapons. Not only do they allow you to get a general idea of what to expect from a company -- they also allow you to shop around for the best price available out there. As a new driver, this is especially important since new drivers are usually expected to pay higher premiums. Knowing how to reduce said premiums can ultimately save you lots of money down the road.

Not totally convinced? Well just wait and see! Do some research and follow our advice and there is no reason for you to have a hard time ever looking for the best insurance policy out there.

Saturday, 4 April 2015

3 Commercial Insurance Policies That Every Business in Edmonton Should Have

Owning a business in Edmonton is far from being an easy task. As a business owner, there are so many things that you should take into consideration, among them whether or not you are properly insured.

Today, we will take a look into 3 commercial insurance policies that every business in Edmonton should have -- yours included.
  1. Commercial general liability insurance policy. This policy is by far one of the most important policies out there. As you already know by now, people sue each other on a daily basis. This is no surprise by now. It is not uncommon for a person to slip and injure themselves on a business property and then proceed to sue the company. Just because you think it "only happens to others" doesn't make you immune to being sued. Owning a commercial general liability insurance policy is the surest way to prevent such an accident from backfiring up on you.
  2. Commercial property insurance policy. Whether you work from home, own or even rent your business property, you will find that not being covered under a commercial property insurance policy can end up costing you thousands of dollars in damage. Edmonton is far from being the safest city in Canada, and as result arson, thefts and flooding are not uncommon. Purchasing this policy is the best way to prevent disasters from causing long-lasting damage to your business and finances.
  3. Professional liability insurance policy. If you are a professional, then it is your responsibility to perform a certain task or duty. Failure to do so can often results in a lawsuit. As a professional currently operating in Edmonton, this should be your biggest fear. Thankfully, owning a professional liability insurance policy saves you the trouble of having to worry about imminent lawsuits, It is a must-have for small businesses in Edmonton.