CNAREA-Canadian National Association of Real Estate Appraisers Insurance Program

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.

    Contact PROLINK to apply online today!

    • FAQ

      • 1. What does Professional Liability insurance cover?

        In general, Professional Liability (also known as Errors and Omissions) covers you against allegations brought by a third party (i.e., a client) seeking damages resulting from a negligent or wrongful act, error, omission or arising from your profession and within your scope of practice.

      • 2. How will I know if someone is claiming against me?

        You will know if you are served with a statement of claim. However, there are other circumstances where you should also contact PROLINK because it could constitute a claim under your Professional Liability policy.

        The other circumstances include:

        • A client or their lawyer issues a verbal or written demand for damages (i.e., a letter or email is sent to you);

        • A client or their lawyer makes threatening comments verbally or in writing indicating that they are seeking damages and/or may sue you.

        • You made a mistake in how you rendered your professional services and may have caused harm to a client.

      • 3. The Professional Liability policy is a “claims-made” policy. What does "claims-made" mean?

        "Claims-made" requires you to have a policy in effect when a claim is reported (made). Any claims are covered under the policy that is in force at the time and NOT the policy in force when the occurrence took place.

      • 4. Do I need any other type of insurance if I own or rent an office location?

        Yes, you should purchase Commercial General Liability insurance. The Professional Practice Liability policy will not defend bodily injury or property damage claims brought against you related to your premises. You should also consider Property Insurance to protect your office contents.

      • 5. What do I do if I receive a statement of claim?

        Once you are aware of an actual or potential claim, report it to PROLINK immediately. Please refrain from making written or oral statements, and do not offer to compensate or admit liability. Taking such actions could interfere in the insurer’s ability to manage the claim.

  • 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.

    Contact PROLINK to apply online today!

    • FAQ

      • 1. What does Commercial General Liability cover?

        Commercial General Liability covers you in the case of third party injuries and property damage that occurs through your professional activities. It also provides you with insurance for Tenant’s Legal Liability, Employer’s Liability, Voluntary Compensation and Non-Owned Automobile coverage and more.

      • 2. What is a non-owned automobile?

        This refers to vehicles that are not owned by your company, but are being used for business purposes. For example, it provides protection if an employee must drive their own personal vehicle for business use. It covers bodily injury and property damage that is caused by such vehicles, because otherwise the employer can be held liable for employee-perpetrated accidents.

  • Property Insurance

    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.

    Contact PROLINK to apply online today!

    • FAQ

      • 1. Is my home office covered under my home insurance policy?

        Not necessarily. You need to check your policy or request PROLINK‘s assistance to determine if adequate coverage is available.

      • 2. My business doesn’t house a lot of furniture do I really need property insurance?

        You may not think your business has anything of value. But when was the last time you properly assessed your office contents? You may be surprised at how quickly things add up.

        And Property insurance offers protection for more than just traditional furniture. Computers, software, project files and resources, as well as any equipment you take on the road are also covered with this policy.

        Plus, you can claim business interruption costs that result from the disruption of your physical space while you work to recover from an incident.

      • 3. What are business interruption costs?

        Funds to cover the actual loss you experience with property damage, not just the physical loss. This means any business income lost as a result of suspended operations while you repair your property.

  • 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.

    Contact PROLINK to apply online today!

    • FAQ

      • 1. Why is Cyber/Privacy Liability insurance important?

        Every business runs the risk of experiencing a cyber/privacy breach at least once in their lifetime. Recently, sophisticated fraudsters have proven that even the most secure organizations are at risk, too. The prevalence of cyber-attacks is only expected to increase and businesses report massive financial losses as a result of managing the fall-out. While a good defence strategy can certainly help, it’s not a question of IF your company will experience a breach but when.

        In Canada, privacy laws are ever-changing. And the process of navigating a breach is confusing and expensive. Damages are being awarded for not only sensitive information exposed, but for the resulting emotional injury as well. Finally, is every single one of your employees tech-savvy? Can they recognize a phish and stop scammers at the gate? The reality is that many breaches are caused by employee errors or mal-intent. And you need to be protected. Cyber/Privacy Liability insurance can help with that.

      • 2. What does PROLINK’s Cyber/Privacy Liability offer?

        Our Cyber/Privacy Liability policy will provide you with funding for Public Relations services to manage the reputational impact of the breach, as well as, provisions for credit monitoring and client notification fees if sensitive client information is exposed.

        Additionally, you will be able to cover the legal defence fees in the case of a civil suit made against you, along with funds for court-awarded damages. You can even cover some of your business interruption costs while you get your business back online.

        Finally, you will have access to a breach coach who will guide you through the entire process.

      • 3. What is a breach coach?

        A breach coach is a lawyer who specializes in guiding firms through a Cyber/Privacy breach. They are there to provide you with the advice you’ll need to make the process as simple as possible.

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!

    Contact us for your no-obligation quote today!

  • 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.

    To learn more, contact PROLINK today.

  • Life Insurance

    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.

    Contact PROLINK to evaluate your options today!

  • 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.

    Contact PROLINK to evaluate your options today!

  • 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.

    Contact PROLINK to learn more today!

  • Pet Insurance

    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.

    Contact PROLINK to learn more today!

Caring Claims

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.

After Hours
 
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.

Speak to a Representative Today

To speak to a professional who can guide you to the right coverage from the right insurer at the right price contact us below:

1-800-663-6828


Personal InsuranceCommercial EnterpriseAssociations & Affinity GroupsLife & Benefits


Personal InsuranceCommercial EnterpriseAssociations & Affinity GroupsLife & Benefits

Search
Generic filters
Exact matches only