CRA Insurance Program
At Western Financial Group, we believe that understanding industry needs is essential to providing insurance solutions that businesses can trust. In partnership with the Canadian Rental Association (CRA) we have developed the CRA Insurance Program, which offers commercial insurance and employee benefits programs that are specific to CRA members.
Why the CRA Insurance Program?
The CRA Insurance Program works with your business to provide superior coverage, tailored to your business and helps manage your risk. Our program offers complete in-house services, including specialized claims and risk management. This innovative approach provides efficient and responsive service, saving you time and money.
The CRA Insurance Program operates under a “Protected Self-Insurance”(PSI) structure, which enables participating clients to acquire a sense of ownership of their insurance program. Under the PSI structure a portion of premiums are allocated to a “Protected Self-Insurance” fund.
This fund allows the unique opportunity for premium to be returned to members when surpluses are built as a result of years with low claims. Under a traditional insurance program, insurers would retain these funds as underwriting profit. One of our key goals as program administrator is to provide resources to support loss prevention, which ultimately aid in providing long-term rate stability or returns of premium.
CRA Program Advantages
Immediate premium savings for eligible members
INDUSTRY-LEADING COVERAGE
Coverage type and limits that are tailored to your industry.
LONG-TERM RATE STABILITY
Stability is created by spreading claims over the entire pool of participants.
PROGRAM FLEXIBILITY
We work with you to determine the right level of coverage to meet your particular needs.
DEDICATED SERVICE
Each member has a dedicated Commercial Insurance Advisor to assist them.
Commercial Insurance
Coverage for the Rental Industry
Working in partnership with the Canadian Rental Association, our CRA Insurance Program offers commercial insurance coverage options that are specific to the needs of your industry. In addition to Property and Liability insurance, our program offers coverage options such as:
CRIMINAL CONVERSION COVERAGE
Rental stolen due to false client information? We offer conversion coverage to help reduce the impact of fraud.
CRIME
Criminal acts can hurt your business and result in losses. Our commercial insurance plans offer coverage for employee dishonesty, credit card forgery and other crimes.
CYBER LIABILITY
Helping you minimize the impact of a cyber attack with crisis management, credit monitoring and data recovery service options.
BUSINESS INTERRUPTION
Help protect your business from a loss of income in the event of a temporary shut down with our business interruption insurance.
Access Your Policy
Login to review your policy.
Need to Make a Claim?
Do you know about our Risk Management Services?
Our risk management team collaborates with you to assess your business and identify areas for improvement.
Learn more about our Risk Management Services.
Commercial Sales & Service
To better serve our clients, we have a dedicated team of specialists devoted to providing exemplary service to CRA Insurance Program members.
Toll Free: (800) 665-8990
Employee Benefits
The CRA Employee Benefits Program is administrated through TotalGuard, which provides life, health and dental plans to over 1,600 independent Canadian businesses.
Our expert in-house insurance team provides the product and all related services, such as day-to-day administration, analytical support and ongoing service support. The TotalGuard program saves you time and money while providing your employees with the coverage they need.
Fast. Convenient. Paperless.
OUR ONLINE ADMINISTRATION SERVICE PROVIDES MEMBERS
24/7 ACCESS TO THEIR EMPLOYEE BENEFITS PLAN. MAKING IT EASIER TO:
Administration Forms
Business owners and designated plan administrators can access important information about their benefits coverage and manage the day-to-day administration of their benefits plan in their own time! It is like having a benefits software that comes for free with your TotalGuard plan. Please give us a call at 800-665-8990.
- Enrolling New Hires
- Edit and Update Information Instantly
- Enrolling and Terminating Dependents
- Employee Salary Changes
- Terminating Employees
- Access Invoices
Need to Make a Claim?
Convenient access to your employee benefits through GreenShield Canada online portal.
Send completed claims forms directly to GreenShield Canada by email.
Program Advantages
INDUSTRY-LEADING COVERAGE
Coverage type and limits that are tailored to your industry.
LONG-TERM RATE STABILITY
Stability is created by spreading claims over the entire pool of TotalGuard participants.
PAY-DIRECT DRUG/DENTAL CARD
Pay-direct drug cards that cover prescription drugs and professional services electronically at the point of sale.
PROGRAM FLEXIBILITY
Member organizations have many different coverage options to choose from.
ONLINE ADMINISTRATION
Plan sponsors can conveniently perform many administrative functions online.
DEDICATED SERVICE
Each member will have a dedicated customer service representative to assist them.