Welcome to the CNAREA Insurance Program from PROLINK
PROLINK has provided professional and personal insurance solutions to members of the Canadian National Association of Real Estate Appraisers for many years! No matter where you're coming from, or how complex your needs, we can help you protect yourself with superior insurance coverage at unparalleled rates.
At PROLINK, we can help you feel confident that you have the right protection.
We believe in personal relationships.
We value knowing you, and taking the time to understand your unique situations, so that we can provide you with genuine advice and follow-through. Our named, dedicated advisors will take a holistic view of your lives and explain all of your coverages and potential exposures, so that you can make educated decisions.
We have over 30 years of experience.
As a result, we’ve seen insurance from every perspective. Wherever you’re coming from, and whatever you need, we’re your one-stop-insurance-shop. You can depend on us for the protection you require.
We represent a network of insurers.
We know their strengths, their weaknesses, how they’ll assess you as a risk, and how they’ll treat you in the event of a claim. Plus, as one of Canada’s largest national brokerages, we have the buying power and influence required to advocate for you and your needs with the various insurers.
We work for you, not the insurer.
As an independent insurance brokerage, we are not obligated to sell you on a particular insurer. Instead, we’ll evaluate the available offerings and the discounts you are eligible for, to bring you solutions to best fit your life.
Protection for My Business and Professional Life
Browse our professional insurance solutions tailored to the needs of Canadian Real Estate Appraisers.
Professional Liability Insurance
As a Real Estate Appraiser, you spend your time diligently researching and assessing various properties. While the final value that you attribute to a property is dependent on many consideration factors, an unhappy client can easily dispute your findings. After all, your assessment can mean a significant loss to a mortgage holder by both undervaluing or overvaluing a property.
Despite your careful note-taking, and explanations as to how you have determined the property value, the truth is that it's easy for a client to frivolously claim that your findings are subjective or biased. Unfortunately, Canada's legal landscape provides such clients many opportunities to express their frustration in court. For you, this can represent both a financial and reputational loss. You must ensure that you properly protect yourself.
We can help. PROLINK has developed an insurance program that addresses the specific risks you face as a Real Estate Appraiser. Our comprehensive and regulatory-compliant Professional Liability Insurance program will defend you from claims others make against you or your practice within the scope of your professional activities.
Commercial General Liability Insurance
Commercial General Liability Insurance protects you in the case of claims made as a result of third party injuries or property damage. As a Real Estate Appraiser, you spend a large portion of your time completing site visits. A slip of your equipment, or a simple client trip and fall could leave you liable for damages of a sum that would surprise you—even if you’re not at fault.
This situation is so common that most venues, government parties, landlords, and corporations require that you have this type of coverage in place before you engage in any contract. Additionally, if you run your business from home, you could be at risk. For example, if a delivery man trips while delivering a work-related package, your typical home owner’s policy may not cover it. Commercial General Liability will.
Every business—including the simplest of home offices—owns stuff. And if any type of loss resulting from accidents, crime, or other circumstances were to occur, you likely wouldn’t be covered under any other type of insurance you currently carry. You may believe your small business doesn’t actually have enough value to warrant additional protection. But if for example your computer was damaged resulting in significant data loss, could you continue to run your business uninterrupted?
You need a broker who will take the time to carefully audit your office contents, making sure that all of your business property, equipment, software, and furnishings are protected. At PROLINK, we will explain all of your potential exposures to help ensure that you are adequately protected, should something occur. As an added benefit, we’ve negotiated comprehensive coverage for your business property at unparalleled rates.
Data Security & Privacy Breach Insurance
At last year's CNAREA Conference, many of you expressed an interest in Privacy Breach Insurance. This year we have made it readily available to you at three flexible coverage levels so that you can ensure you are properly protected come what may.
Every company is a data company and all businesses run the risk of experiencing a privacy breach at least once in their lifetime. As a member of Canada's private sector, you are subject to much stricter privacy regulations and fines if you experience a significant data breach under the new PIPEDA Digital Privacy Act. Personal information that falls under the jurisdiction of Canadian privacy laws includes names, addresses, phone numbers, financial information and more.
In Canada, 70% of small to mid-sized companies incurred a breach. Forgetting the possibility of an attack for a second, as an Appraiser you are always on the move and your laptop is your constant companion. Every 53 seconds, a laptop is stolen. Your sensitive and proprietary information (such as project files, financials, client data) is more vulnerable than you may think. In 2018, the average loss associated with a breach was $1.1M in revenue and the average time to recovery was 59 hours.
While there are a number of best practices you can implement to safeguard your data, the truth is that privacy breaches are inevitable and increasingly more prevalent in Canada's private sector. Privacy breach insurance can help. For a small fee, you will get access to:
- Legal coaching on how to handle the breach;
- Business interruption costs while you get your business online;
- Legal fees in the case of a civil suit;
- Funds for court-awarded damages;
- PR services for managing reputational impact;
- Provisions for credit monitoring and client notification fees.
Protection for Me and My Personal Life
Your life is complicated. Selecting your insurance doesn’t have to be. Learn how we can help make your life simpler.
Home & Auto Insurance
On any given day, someone could slam into your car during the morning commute, or your basement could flood causing thousands of dollars of damage. These—along with any number of other scenarios—have the potential to disrupt your life and bring you emotional distress and financial strain.
At PROLINK—Canada’s Insurance Connection it’s our job to worry about which coverages you need and which risks you face so that you don’t have to. With over 30 years of experience and access to over 30 insurers, we can offer you a choice of insurance solutions, price points, and other benefits. Wherever you’re coming from, and whatever you need—we’ve been there and done that. You can depend on us for the protection you require.
Plus, as a member of CNAREA, you could save up to 20% on your Home and Auto Insurance!GET A HOME & AUTO QUOTE
Health & Dental Insurance
If you are an independent professional, you probably don’t have access to traditional employee benefits like Health, Dental, and Drug coverage. Yet, you’re still susceptible to the same health problems as anyone else.
Unfortunately, expensive treatments, prescriptions, and high-cost dental work always seem to pop up when you’re least expecting them. And when these unpredictable events occur, they also come with a serious potential to derail your budget. But it doesn’t have to be that way.
PROLINK can help. Our plans cover Health, Vision, Dental, and Drugs, and can get you access to 15 Paramedical services such as Massage, Chiropractic, Physiotherapy, and more. We will take the time to understand you, your needs, and your family, and offer you an affordable solution that fits your life, perfectly.GET A HEALTH & DENTAL QUOTE
It can be painful to imagine all that would come to pass in the event of one’s death—even for a split second. We can appreciate that.
But if something were to happen to you, could your family or loved ones recover financially without feeling a serious strain on their assets? A rich Life policy can help them get back on their feet, should something occur.
So pass the pain over to us. At PROLINK, we will take the time to understand you, your needs and your family. Then, we will offer you a best-fit solution for you and those you care about that is affordable and offers the long-term protection you and they will require.
Critical Illness Insurance
Medicine has allowed people to live both through and with serious illnesses at higher survival rates than in the past. However, such sicknesses often come with many direct and indirect costs. Certain drugs and treatments are not covered by typical health plans, while some of the latest healthcare innovations are only available in the US. Indirect costs can encompass anything from travel expenses to child care, and more. Unfortunately, most people don’t intuitively know to account for these things.
If you were to get seriously sick, Critical Illness coverage can provide you with a lump sum that you can leverage in whatever way best fits your needs. Once it’s been paid, there are no restrictions as to how you decide to spend it—whether that means hiring a nurse, making your home accessible, taking a vacation or even paying off a portion of your mortgage.
PROLINK can help you access the best that medicine has to offer by providing you with a customized Critical Illness policy that is cost-effective and will give you the long-term financial flexibility you will require.
Travel Medical Insurance
When you plan a trip, you determine the things to pack, the sights you’ll see, and the budget for food and activities. You probably don’t consider the things that can go wrong, the process for finding help, and the unforeseen medical bills.
And that’s normal. You work hard and deserve a worry-free vacation. Sadly, life doesn’t go on holiday. A health crisis can happen no matter where in the world you may be. To truly relax, you need to feel secure in knowing that you are protected if something were to happen to you or your loved ones during your time away.
At PROLINK—Canada’s Insurance Connection we can help you access comprehensive Medical Travel coverage for your trip. Plus beyond simply covering emergency medical costs, we can also help you add lost baggage and trip cancellation endorsements to your policy.
Be prepared for whatever happens, wherever it happens.
If you’re like most pet owners, your pet is your constant companion. So when your little companion unavoidably gets sick, it can be very distressing emotionally. We can all agree that it’s hard to see your once-lively pet refuse to eat or struggle up the stairs.
While the veterinarian can offer you hope to cure whatever’s ailing your pet, that cure often comes at a high cost. Many people either have to save up for a treatment, or put themselves in debt in order to afford these unexpected fees. Still, you want your pet to receive the best care available.
Purchasing PetSecure insurance through PROLINK can help take away the financial burden of getting your pet the care that they require in times of need. For a small monthly rate, you can receive up to thousands of dollars in coverage for your pet’s accidents, illnesses, and dental care.
Sometimes, stuff happens. In the event that you need to make a claim and the situation is urgent or an emergency, help is a phone call away!
Monday to Friday (8AM to 5PM)
Contact PROLINK directly at 1 800 663 6828. We will take your claim, confirm your policy and report it to your insurer.
Access our after-hours claims service, Kernaghan Insurance Adjusters at 1-800-387-5677, or call your insurer directly and they will loop us in.
Please reach out to PROLINK if you ever feel unsure. We’re here for you.