Manna Ghose - BIG Insurance Broker

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Manna Ghose - BIG Insurance Broker 🔷 Manna Ghose | Insurance Broker | Billyard Insurance Group - Edmonton
Helping you protect what matters most ..

with clarity, care, and competitive coverage.
🚗 Auto | 🏡 Home | 💼 Business
📍 Based in Edmonton
📲 Message me for a free insurance review

Here's a coverage question worth asking before the cold settles in 🍂 If a covered loss made your home unlivable, where w...
11/02/2026

Here's a coverage question worth asking before the cold settles in 🍂 If a covered loss made your home unlivable, where would you stay, and who would pay for it?

That's where additional living expenses, sometimes called loss of use, comes in. Depending on your policy, it can usually help with extra costs like a hotel or rental, meals beyond your normal grocery bill, and laundry while repairs are underway. Limits and conditions vary, and it generally applies only when the damage itself is covered.

Not sure what yours includes? I'm happy to walk through it with you.
📞 Give me a call at 780-229-6604 or email [email protected]

🎃 Trick-or-treaters arrive tomorrow night! A few quick steps can help keep your visitors safe and your home protected:• ...
10/30/2026

🎃 Trick-or-treaters arrive tomorrow night!

A few quick steps can help keep your visitors safe and your home protected:
• Clear wet leaves and debris from steps and walkways, and watch for early frost after dark
• Turn on porch and pathway lights so little ones can see where they're stepping
• Swap real candles in pumpkins for battery lights
• Keep pets inside and away from the door

If someone is hurt on your property, the liability part of your home policy usually comes into play, depending on your coverage.

Not sure what your limit is? Let's look at it together.
📞 Call me directly at 780-229-6604 or email [email protected]

Myth: If a pipe bursts, my home insurance will always cover it. 🚫Fact: Not always. Many home policies expect you to take...
10/29/2026

Myth: If a pipe bursts, my home insurance will always cover it. 🚫
Fact: Not always. Many home policies expect you to take reasonable care to prevent freezing damage, especially if you're away. Depending on your policy, that can mean keeping the heat on, having someone check your home, or shutting off the water.

With our first frosty nights here in Edmonton, now's a good time to disconnect garden hoses, shut off and drain outdoor taps, and find your main water shut-off. 💧

Not sure what your policy says? Let's look at it together.
📞 Call me directly at 780-229-6604 or email [email protected]

Small business owners: fall in Edmonton means wet leaves, frosty mornings and darker evenings. 🍂 Together they can turn ...
10/28/2026

Small business owners: fall in Edmonton means wet leaves, frosty mornings and darker evenings. 🍂
Together they can turn your entrance, parking lot or walkway into a slip hazard for customers and delivery drivers.

A few quick checks this week:
• Sweep leaves away from doors and steps
• Have ice melt on hand before the first slick morning
• Check your outdoor lighting now that it gets dark earlier
• Keep a simple log of when walkways are checked and cleared

If someone is hurt on your property, commercial general liability usually responds, depending on your policy. Not sure what yours covers? Let's take a look together.

📞 Call me directly at 780-229-6604 or email [email protected]

Cold snaps can sneak up on us in Edmonton this time of year 🍂 Before the next frosty night, take ten minutes to protect ...
10/27/2026

Cold snaps can sneak up on us in Edmonton this time of year 🍂

Before the next frosty night, take ten minutes to protect your outdoor taps: disconnect and drain your garden hoses, shut off the inside valve to the outdoor faucet if you have one, then open the tap outside to let the line drain. A frozen line can crack and leak inside your walls, sometimes without anyone noticing for weeks.

How water damage is handled usually depends on your policy and the steps taken to prevent it, so it's worth a quick look at your coverage too.

📞 Call me directly at 780-229-6604 or email [email protected]

Halloween is this Saturday, and trick-or-treaters will soon be heading up Edmonton walkways. 🎃 It's a good moment to und...
10/26/2026

Halloween is this Saturday, and trick-or-treaters will soon be heading up Edmonton walkways. 🎃

It's a good moment to understand personal liability coverage. Liability is the part of your home or tenant policy that can help if someone is accidentally hurt on your property, or if you accidentally damage someone else's property. Depending on your policy, it can help with legal costs and damages up to your limit.

A few easy steps help too: clear wet leaves off steps, turn on the porch light and keep pets inside.

Not sure what your liability limit is? Let's take a look together.

🍂 Fall prevention tip: don't forget your outdoor taps!Before our first hard frost settles in, take ten minutes to protec...
10/23/2026

🍂 Fall prevention tip: don't forget your outdoor taps!

Before our first hard frost settles in, take ten minutes to protect your outside faucets. Disconnect and drain garden hoses, shut off the indoor valve that feeds each outdoor tap, then open the outside tap to let the water drain out. A frozen line can split inside the wall, and you may not notice the leak until there's damage.

Coverage for water damage depends on your policy and how the damage happened, so it's worth knowing where you stand before the cold arrives.

📞 Questions? Call me directly at 780-229-6604 or email [email protected]

Myth or fact? 🦌 "If I hit a deer, my collision coverage takes care of it."Myth! In Alberta, hitting an animal is usually...
10/22/2026

Myth or fact? 🦌 "If I hit a deer, my collision coverage takes care of it."

Myth! In Alberta, hitting an animal is usually treated as a comprehensive claim, not a collision claim, depending on your policy. That matters, because if you only carry the mandatory liability and accident benefits, damage to your own vehicle from a wildlife hit may not be covered at all.

With shorter days and darker drives this fall, deer and moose are often near the road at dawn and dusk. Slow down, scan the ditches, and check what your policy includes before you need it.

📞 Questions? Call me directly at 780-229-6604 or email [email protected]

Small business owners: fall is here, and so are wet leaves and frosty mornings on your sidewalk and front steps. 🍂A cust...
10/21/2026

Small business owners: fall is here, and so are wet leaves and frosty mornings on your sidewalk and front steps. 🍂

A customer slipping at your door is exactly the kind of situation commercial general liability coverage is there for. A few easy habits help prevent it: sweep leaves daily, keep ice melt ready for early cold snaps, check your outdoor lights now that the days are shorter, and put down a good entry mat.

Then make sure your liability coverage still fits how many people visit your space. Depending on your policy, it can usually help with third-party injury claims.

📞 Let's review your business coverage together. Call me directly at 780-229-6604 or email [email protected]

Fall in Edmonton means chilly mornings are already here, and the first hard frost can sneak up overnight. One easy job t...
10/20/2026

Fall in Edmonton means chilly mornings are already here, and the first hard frost can sneak up overnight. One easy job to tick off now: your outdoor taps.

Water left in a garden hose or outside faucet can freeze, expand and crack the pipe inside your wall. Often you don't notice until spring, when it shows up as water damage.

• Disconnect and drain your hoses
• Shut off the indoor valve to each outside tap, then open the tap to let it drain
• Consider insulated tap covers

Whether water damage is covered depends on your policy, so it's worth a quick look.

📞 Questions? Call me directly at 780-229-6604 or email [email protected]

Address

10 Main Boulevard, Unit G
Sherwood Park, AB
T8A3W8

Opening Hours

Monday 9am - 5pm
Tuesday 9am - 5pm
Wednesday 9am - 5pm
Thursday 9am - 5pm
Friday 9am - 5pm
Saturday 9am - 5pm
Sunday 9am - 5pm

Telephone

+17802296604

Website

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