Mansher Waraich - Commercial Insurance Broker

Mansher Waraich - Commercial Insurance Broker Commercial General Liability (CGL)
Trucking & Fleet Insurance
Transportation & Logistics Insurance

Life Insurance
Disability Insurance
Critical Illness

Independent insurance broker specializing in Commercial Insurance, Trucking & Fleet Insurance, Contractor Liability, Life Insurance, Critical Illness, Disability Insurance, Travel Insurance, and Visitor-to-Canada Insurance. Serving Alberta clients with personalized advice and fast quotes

03/11/2026

Super Visa / Visitor Insurance

Medical treatment in Canada is expensive without coverage.

One hospital visit can cost thousands.

Visitor and Super Visa insurance is not optional — it’s essential.

03/09/2026

Term Life:
• Lower cost
• Temporary coverage
• Income protection

Permanent Life:
• Lifetime coverage
• Cash value component
• Estate planning tool

Different tools for different goals.

03/06/2026

If your income stops tomorrow, does your family’s lifestyle continue?

Life insurance is not an expense.
It’s income replacement.

03/04/2026

Many builders only buy CGL.

They forget:
• Equipment coverage
• Tool floater
• Wrap-up liability
• Course of construction

Insurance gaps don’t show until there’s a loss.

03/02/2026

Before construction begins:

• Confirm permits
• Confirm Builder’s Risk
• Confirm liability limits
• Confirm subcontractor certificates

Paperwork protects profit.

02/27/2026

Real Construction Loss

A partially framed home caught fire at 60% completion.

Without Builder’s Risk, the builder absorbs the full rebuild cost.

Margins disappear instantly.

02/26/2026

CGL vs Professional Liability

CGL = Physical damage or injury
E&O = Financial loss due to professional advice

Consultants, inspectors, designers — you likely need both.

02/25/2026

Builder’s Risk Explained

Builder’s Risk covers:

• Fire during construction
• Theft of materials
• Vandalism
• Weather damage

It protects the structure while it’s being built.

It is NOT the same as home insurance.

02/24/2026

One slip and fall claim can cost more than 5 years of premiums.

Electricians, plumbers, roofers, renovators —
If you’re working without proper CGL, you’re risking your entire business.

02/23/2026

Signed a New Contract?

Before signing a new contract, check:

• Required liability limit
• Additional insured wording
• Waiver of subrogation
• Primary & non-contributory clause

Insurance should match your contract obligations.

02/20/2026

What $2M CGL Really Covers

Commercial General Liability covers:

• Third-party bodily injury
• Property damage
• Legal defense costs

It does NOT cover:
• Poor workmanship
• Professional errors

Many contractors don’t know the difference.

02/18/2026

At what point should you move from owner-operator policy to fleet structure?

Usually when:
• You add 2+ trucks
• You want rate stability
• You want negotiating leverage

Structure matters more than people think.

Address

Edmonton, AB

Telephone

+17805996660

Website

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