Michelle Broadbent Agent Desjardins Insurance

Michelle Broadbent Agent Desjardins Insurance Contact information, map and directions, contact form, opening hours, services, ratings, photos, videos and announcements from Michelle Broadbent Agent Desjardins Insurance, Insurance Agent, 3523 Tudor Glen Market, Downtown St. Albert, AB.

Our mission is to provide an Insurance & Financial Services program that is unique to each individual in order to protect them with the confidence that comes with knowing their assets are protected and their dreams secure.

09/01/2026

There's a question every growing business should be asking, and most aren't asking it early enough. ⁠
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"What does our business do that carries the biggest risk?" 🤔⁠
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If your vision for your business is still unfocused, it's also likely difficult to insure properly. And that's worth paying attention to, because insurers need to understand your scope clearly to cover it well.⁠
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One of the most useful things a conversation with your insurance representative can do early on is help you define your risk boundaries. We work with clear definitions of what is and isn't insurable, and those definitions can actually help you sharpen your business focus.⁠
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Put simply: if an insurance company doesn't want to insure it, that's usually a signal worth listening to. 👀⁠
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🟩 Michelle Broadbent Insurance Agency. 🟩⁠
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Trusted support for commercial insurance, life protection & financial planning across St Albert, Edmonton and area.

Here is a conversation worth having before they hit the road on their own, because Alberta is cracking down harder than ...
08/28/2026

Here is a conversation worth having before they hit the road on their own, because Alberta is cracking down harder than ever. ⁠
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In March 2026, the province raised traffic fines by up to 50 percent, the first increase in a decade, and enforcement on things like distracted driving has ramped up noticeably with thousands of tickets handed out in Edmonton alone last year.⁠
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For a brand new driver, the stakes are even higher. They face a licence suspension after just 8 demerit points, and a distracted driving conviction can be treated as a major mark on their record. ⁠
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That single mistake can quietly raise their premiums for years and knock them out of Alberta's good driver rate cap, the thing that keeps increases low.⁠
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The takeaway is not to scare anyone. It is good that habits early on can genuinely pay off, sometimes for a decade or more. A clean start is one of the most valuable things a young driver can build.⁠
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Want to talk through coverage options for your new driver and how to keep it affordable? ⁠
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Book a chat with Michelle and the team by DM or tap the link in bio. ⁠
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🟩 Michelle Broadbent Insurance Agency. 🟩⁠
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Trusted support for commercial insurance, life protection & financial planning across St Albert, Edmonton and area.

This is your sign to have the slightly awkward summer conversation. 🌻⁠⁠Not the "where are we going for the long weekend"...
08/28/2026

This is your sign to have the slightly awkward summer conversation. 🌻⁠
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Not the "where are we going for the long weekend" one. ⁠The "are we actually protected if life throws us a curveball" one.⁠
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Here is the reality nobody loves talking about. About 2 in 5 Canadians are expected to be diagnosed with cancer in their lifetime. ⁠
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Survival rates are genuinely improving, which is wonderful news, but recovery takes time, energy, and money, often when you are least able to earn it. This is where the right mix of coverage quietly does its job. ⁠
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✔️Critical illness insurance can pay out a lump sum on diagnosis, money you can use for treatment, travel to care, or simply keeping the lights on. ⁠
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✔️Disability insurance replaces income while you recover. ⁠
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✔️Life insurance protects your family if the outcome is the one no one wants to picture.⁠
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None of this is about expecting the worst. It is about making sure that if life ever gets hard, the only thing your family has to focus on is each other.⁠
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If you are not sure what you actually have in place, that is the perfect reason to talk. ⁠
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DM our team or tap the link in bio, and we will walk through it with you, no pressure.⁠
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🟩 Michelle Broadbent Insurance Agency. 🟩⁠
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Trusted support for commercial insurance, life protection & financial planning across St Albert, Edmonton and area.

While you are crossing things off the back-to-school list, here is one worth adding. A quick coverage review with our te...
08/25/2026

While you are crossing things off the back-to-school list, here is one worth adding. A quick coverage review with our team before life speeds up again.⁠
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Insurance is one of those things that is so much easier to sort out face-to-face. You get to ask the awkward questions, actually understand what you are paying for, and walk away knowing exactly where you stand. ⁠
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No jargon, no pressure, just a real conversation about your family, your home, and what matters most.⁠
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August is the calm before the September storm. It is the ideal time to come in, sit down, and make sure everything is where it should be.⁠
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Want to book a time with Michelle and the team? ⁠
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DM us or tap the link in bio, and we will find a slot that works.⁠
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🟩 Michelle Broadbent Insurance Agency. 🟩⁠
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Trusted support for commercial insurance, life protection & financial planning across St Albert, Edmonton and area.

08/24/2026

There's a question that always tells me a client is thinking about their coverage the right way.⁠
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"What would happen in a worst-case scenario? How would this policy respond?"⁠
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I love hearing that question. It means the client isn't just looking at their monthly premium. They're thinking about whether their coverage will actually hold up when it matters most. That's the whole point of insurance. Not what it costs on a normal day, but what it does on the worst one.⁠
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If you've never asked that question about your own policy, it's a great place to start. 👍 And if you're not sure what the answer would be, that's exactly the conversation we should be having.⁠
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🟩 Michelle Broadbent Insurance Agency. 🟩⁠
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Trusted support for commercial insurance, life protection & financial planning across St Albert, Edmonton and area.

Nobody is posting about their coverage limits. But there is a very specific kind of confidence that comes from knowing y...
08/21/2026

Nobody is posting about their coverage limits. But there is a very specific kind of confidence that comes from knowing your home is insured to rebuild cost and not market value, that your auto policy has the endorsements you assumed were automatic, and that the business you spent ten years building has liability coverage that matches what you actually do now.⁠
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That is the energy we are talking about.⁠
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Our team spends all day catching those gaps before they matter. Home, auto, and commercial insurance across Edmonton and Alberta, explained in a way that actually makes sense.⁠
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Send us a message, and we will walk through your coverage with you.⁠
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🟩 Michelle Broadbent Insurance Agency. 🟩⁠
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Trusted support for commercial insurance, life protection & financial planning across St Albert, Edmonton and area.

This is the one summer task that can save you thousands. ⁠⁠If your home were damaged by fire, water, or a break-in tomor...
08/21/2026

This is the one summer task that can save you thousands. ⁠
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If your home were damaged by fire, water, or a break-in tomorrow, could you list everything you own and prove what it was worth? ⁠
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Most people cannot, and that is exactly where claims get stressful.⁠
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Here is the part worth knowing. Policies pay out in one of two ways. Actual cash value pays you what your stuff is worth today, after years of depreciation. Replacement cost pays to actually replace it with a new one. ⁠
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Knowing which one you have, before a claim, changes everything, and a documented inventory is what backs up your claim either way.⁠
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So on a slow afternoon, walk through your home with your phone. ⁠Video each room, open the closets and cupboards, and note the big ticket items like electronics, jewellery, tools, and appliances. ⁠
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Then save it somewhere that is not inside the house.⁠
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Twenty minutes now can be the difference between a smooth claim and a frustrating one. ⁠
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Want our home inventory checklist or a review of your home insurance coverage? ⁠
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DM us or tap the link in bio.💚⁠
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🟩 Michelle Broadbent Insurance Agency. 🟩⁠
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Trusted support for commercial insurance, life protection & financial planning across St Albert, Edmonton and area.

08/19/2026

There's one question I wish more people felt comfortable asking their insurance advisor.⁠
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"What happens if I can't work?"⁠
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Most people think about life insurance when they think about protecting their income. But disability coverage deserves just as much attention, and it often gets skipped entirely.⁠
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👉The reality is that you're far more likely to experience a period where you can't work due to illness or injury than you are to pass away unexpectedly. And if that happens without the right coverage in place, the financial impact on you and your family can be significant.⁠
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You don't need to have all the answers before starting the conversation. That's what we're here for.⁠
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If you've never asked this question, now is a great time to start.⁠
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🟩 Michelle Broadbent Insurance Agency. 🟩⁠
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Trusted support for commercial insurance, life protection & financial planning across St Albert, Edmonton and area.

Most coverage gaps do not come from people buying the wrong policy. They come from life quietly changing, and the policy...
08/18/2026

Most coverage gaps do not come from people buying the wrong policy. They come from life quietly changing, and the policy stays exactly the same.⁠
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Think about the last year. ⁠
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Did you renovate, finish a basement, or build a deck? ⁠
Buy a new vehicle or add a driver? ⁠
Pick up a trailer, a boat, or some expensive new toys for the garage? ⁠
Did the value of what is inside your home creep up? ⁠
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Every one of those can leave you underinsured without a single warning sign until you go to make a claim.⁠
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A quick annual review catches all of it while life is calm, instead of in the middle of a stressful claim.⁠
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You relax. We will make sure your coverage actually reflects the life you are living now. ⁠
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DM us for a no-pressure summer review, or tap the link in bio. ☀️⁠
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🟩 Michelle Broadbent Insurance Agency. 🟩⁠
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Trusted support for commercial insurance, life protection & financial planning across St Albert, Edmonton and area.

08/17/2026

Here's something I want every business owner to know about managing risk.⬇️⁠
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If you're not sure whether something is a good risk, just ask. A two-minute conversation with a knowledgeable insurance representative can save you a lot of pain down the road.⁠
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Not every conversation with your advisor needs to take an hour. And honestly, if they do, that's usually a sign you haven't been checking in often enough.⁠
Staying in regular contact means smaller, quicker conversations instead of major catch-up sessions when something has already changed.⁠
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Risk questions don't need to feel complicated. The right person can give you a clear answer fast, and that clarity is worth a lot.⁠
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📲Don't wait for a problem to make the call.⁠
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🟩 Michelle Broadbent Insurance Agency. 🟩⁠
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Trusted support for commercial insurance, life protection & financial planning across St Albert, Edmonton and area.

Address

3523 Tudor Glen Market
Downtown St. Albert, AB
T8N3V3

Opening Hours

Monday 9am - 5am
Tuesday 9am - 7pm
Wednesday 9am - 5pm
Thursday 9am - 7pm
Friday 9am - 4:30pm
Saturday 10am - 2pm

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