Commercial and Personal Insurance Account Executive

04/09/2026

It is important for your Broker to explain and explore options that can save you money. All while staying in your comfort zone.

04/06/2026

A review of your insurance policy can protect you and your company. Feel free to reach out if you have any questions.

04/02/2026

03/30/2026

Insurance shouldn't be more complicated than necessary.

03/27/2026

At-Fault Accident Waiver Endorsement (SEF 39 / 39A – Alberta)
Make Sure You’re Properly Covered Before an Accident Happens
Accident protection—often referred to as Accident Forgiveness—is not automatically included on most auto insurance policies. Unfortunately, many drivers only discover this after an at-fault accident, when their premiums increase significantly.

Having worked as a claims adjuster, some of the most heartbreaking conversations I had were with insured clients who genuinely believed they had accident protection—only to find out they did not. Because this coverage is a fee-based endorsement, it must be specifically requested, and insurers will never add it automatically.

Why This Matters
Accidents happen. And without this endorsement, a single at-fault accident can result in thousands of dollars in increased premiums over several years.

A Real-World Example
Recently, my wife and I experienced this issue firsthand with a direct writer—an insurer I had previously worked for. We had:

No at-fault accidents
No tickets
A clean driving history

Despite this, the agent initially insisted that the insurer would not offer the Accident Forgiveness endorsement. I pushed back—hard. Only after escalating the issue and indicating I would contact the Ombudsman was the endorsement finally applied to our vehicles.
The key takeaway? If you don’t ask—and verify—it may not be there.

Qualification Criteria for SEF 39 / 39A in Alberta
While underwriting rules vary slightly by insurer, drivers generally need to meet the following criteria:

Clean Driving Record
Typically no driving incidents for at least 6 years

No Recent At-Fault Accidents
Usually none within the last 3–6 years

No Serious Convictions
No Criminal Code offences or major traffic violations

Policy in Good Standing
Continuous auto insurance history; endorsement must be added per vehicle

Principal Operator
Coverage is generally available only to the principal driver on a personal auto policy (not commercial policies)

Don’t Assume—Review Your Policy
If you qualify for this endorsement and it’s not applied, you’re exposing yourself to unnecessary financial risk. I strongly recommend reviewing your policy to ensure this coverage is in place.
If you have any questions or would like help reviewing your coverage, please feel free to reach out:
📞 587‑331‑8209
📧 [email protected]

03/25/2026

Protect your home by understanding your policy limitations and maintaining your property. If you have ANY questions always ask your Broker.

03/23/2026

At Alteri, We care and we help.

03/22/2026

Life comes at you fast—protection should, too.
Get a personal insurance quote that’s built around you: your goals, your lifestyle, your peace of mind. No guesswork, no pressure—just clear coverage that keeps you confident in every moment.
Let’s secure what matters most… before life reminds you why you should have.

03/21/2026

🏠 Common Areas Where Underinsurance Occurs
Home insurance → rebuilding costs underestimated
Business insurance → property, equipment, or revenue protection set too low
Auto insurance → liability limits too low to cover serious accidents

🚨 Why Underinsurance Happens
Rising construction or replacement costs
Outdated appraisals
Choosing lower coverage to reduce premiums
Not updating insurance after renovations or major purchases

💡 How to Avoid Underinsurance
Review your policy annually
Get professional appraisals
Adjust coverage for inflation
Update your insurer after upgrades or acquisitions
If you want, I can help you check whether your coverage level is at risk of underinsurance or explain how it affects home, auto, or business insurance specifically.

03/17/2026

It’s common to think the cheapest policy is all you need. But with insurance, price usually reflects the level of protection. A slightly higher premium often means better coverage, the right replacement values, and additional options that matter when you need them most.

Your protection comes first—always.

03/16/2026

Always late to a trend, BUT also cant sleep at 1am