NCA-National Cottage Association and RMG-Road Maintenance Group Insurance Program

Welcome to the National Cottage Association and Road Maintenance Group Program Insurance Program

The National Cottage Association (NCA) and Road Maintenance Group (RMG) Program has teamed up with PROLINK to offer a comprehensive professional insurance program that is available to all members in good standing. Not all insurance policies are the same! Many include limitations that could impact you in the event of a claim.

PROLINK can make you feel confident knowing that you're receiving the best coverage, the best service, and the best rates through our NCA & RMG Insurance Program. 

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 National Cottage Association and Road Maintenance Group members.

  • Commercial General Liability Insurance

    As a member of the National Cottage Association and Road Maintenance Group, cottaging is more than just a lifestyle for you—it’s a passion. While you are dedicated to providing the best possible experience for you community, the truth is that under the heat of the sun, mistakes can easily happen.

    Unfortunately, mistakes these days often translate to legal actions. You could be held liable for financial mismanagement of the association, inadequate safety measures, or even improperly installed equipment that’s damaged passing watercraft. Any number of factors can end up as a reason for cottage season to end early.

    We can help you. PROLINK—Canada’s Insurance Connection and NCA have partnered to devise unique Commercial General Liability insurance tailored to your needs. We’ll protect you from any allegations of negligence, damage, or injury, even if the claims made against you are groundless. With over 35 years of experience, PROLINK has the expertise to meet your needs with precision and care so that your summer isn’t cut short.

    • Covers incidents that occur on your premises, at a client’s premises, or other location related to professional activities;
    • Coverage for:
      • Bodily Injury and Property Damage Liability;
      • Personal Injury and Advertising Injury Liability;
      • Medical Payments;
      • Tenants Legal Liability.

    Contact PROLINK to apply online today!

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

    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.

    Contact us for your no-obligation quote today!

    • FAQ

      • 1. Do you have to buy home insurance?

        You only have to buy Home insurance if you are applying for a mortgage. But if you are purchasing a home without a mortgage and decide not to purchase Home insurance be warned: your home is your most valuable asset and unexpected situations like floods, theft, and crime happen. You should still make an effort to protect yourself by purchasing Home insurance, even though it’s not mandated by the government or the bank.

      • 2. What is a disappearing deductible?

        Some insurers offer a reduction in your deductible for every consecutive year where you don’t make a claim until eventually you don’t have a deductible at all. However, if you ultimately need to make a claim again, the deductible will be restored to its original amount.

      • 3. How are home premiums calculated?

        Each insurer calculates your premium differently. Some common consideration factors include:

        • Location;
        • Condition/age of home;
        • Number of years in home;
        • Heating method;
        • Fire-fighting support for location;
        • Requested limit;
        • Number of claims;
        • And more.
      • 4. When do I need to update my policy?

        You should always review your policy on an annual basis. Beyond that, you should also notify your broker in the event of the following scenarios:

        • Address change;
        • Renovation;
        • Addition of a home-based business;
        • Purchase of high-value assets.
      • 5. I just renovated my home, how will that impact my insurance policy?

        Certain renovations –such as replacing your roof—could mean that you’re eligible for a discount. Renovations could also mean that the value of your home has increased and that you need to make sure that you are still adequately covered by your policy. Always consult your broker if you are planning on making any renovations to ensure that you are still getting the best coverage at the best possible price.

      • 6. What’s the benefit of having Home and Auto insured together?

        Bundling your home and Auto insurance will help you save money on both policies. As an added benefit, if you need to make a claim on both your house and car, you will only need to pay one deductible.

      • 7. Why do I need Auto insurance?

        In Canada, you must have Auto insurance before you are allowed to drive a car. By law, you must have the following basic coverage:

        • Accident benefits (if you or a passenger are hurt in an accident);
        • Unknown/uninsured motorist (in the case of a hit and run);
        • Liability (if someone sues you);
        • Direct compensation for property damage (for damages to your vehicle from an accident which isn’t entirely your fault or where you are not at fault).
      • 8. What other policy features are available beyond the basic Auto package?

        Options will vary by province and need; however here are some commonly purchased coverages:

        • Specified Perils: covers the cost to replace/repair your vehicle if it’s damaged by theft, fire, or other rare incidents;
        • Comprehensive Insurance: provides protection for specified perils and other scenarios such as vandalism, falling objects, and more;
        • Collision or Upset: covers the cost to replace/repair your vehicle if it’s in a crash or if it tips over;
        • All Perils: Combines all of the above and more.
      • 9. Are other drivers allowed to drive my car?

        If they are licensed and have received your permission, they are allowed. However, all licensed drivers in your home must also be listed on your policy.

      • 10. How much auto insurance is enough?

        It varies by provincial requirements.

      • 11. What does "at fault/not at fault" mean?

        It is a percentage of responsibility that is assigned to every driver that is involved in an accident but is calculated differently by various insurers. You could be considered not at fault (0%), partially at fault (1-99%) or at fault (100%).

      • 12. How are auto premiums calculated?

        Each insurer assigns a different rate based on how they assess the following factors:

        • Limit and deductible required;
        • Make, model and year of your vehicle;
        • Vehicle usage (errands, commuting, commercial, etc.);
        • Distance travelled annually;
        • Address;
        • Driving experience;
        • Claims history;
        • And more.
      • 13. When do I need to update my policy?

        While you should review your policy at least once a year, make sure to contact your broker if: you move, buy a new vehicle, add a new licensed driver to your policy, or begin using your vehicle for business purposes.

      • 14. I have a classic car. Will my regular Auto policy cover me?

        No. You need to purchase Classic car insurance which will provide you with special coverage tailored for vintage and classic cars.

      • 15. Why do I need to insure my child who’s away at school as a driver?

        Your child is only away at school part time in a secondary residence. Their primary residence is still considered to be your home. The Canadian government mandates that you insure every licensed driver who resides in your home.

  • 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.

    • FAQ

      • 1. Do I have to buy BOTH Health and Dental?

        No, you can opt out of Dental if you feel that you already have sufficient coverage through another plan.

      • 2. Which services are encompassed in Health and Dental insurance?

        With your Health and Dental plan you can access:

        • Extended healthcare coverage that includes:
          • Annual reimbursement for prescription drugs;
          • 80% reimbursement with dispensing fee deductible;
          • 15 paramedical services such as massage, chiropractic, homeopath, etc.
          • $5 million Emergency Medical Travel coverage for trips within province;
          • Vision coverage: $50 for examinations (every 24 months), $250 for hardware.
        • Dental coverage for preventative and basic restorative procedures;
        • Life insurance and accidental death and dismemberment coverage;
        • A weekly income benefit should you become disabled;
        • A long-term disability benefit that activates after 26 weeks of continuous disability;
        • An assistance plan for counselling and advisory services.
      • 3. How does the Weekly Disability Benefit function?

        If you become totally disabled, this benefit pays $250 weekly. Benefits will begin on the first day of an accident or hospitalization and on the 15th day of sickness, continuing for a period of 26 weeks if necessary.

      • 4. When does Long Term Disability begin to apply and for how long will I receive benefits after becoming completely disabled?

        After 26 weeks of continuous total disability, up to $3,000 monthly benefit is paid out tax free. Benefits will be paid out until age 65.

  • Life Insurance

    Most people don’t like to think about Life Insurance. That’s because it’s a complex coverage that only activates as a result of an insured’s death due to natural or accidental causes. 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!

    • FAQ

      • 1. Why do I need Life insurance?

        If you have a family or dependents, your Life insurance can ensure that they won’t suffer financially following your death.

      • 2. Does my age affect my life insurance premiums?

        Yes. Typically, the older you are the higher the risk and by association, the premium. That’s why experts recommend purchasing a Life insurance policy when you are younger. However, other factors like gender, medical history, smoking, can also impact your premiums.

      • 3. Are there any restrictions as to who I can name as a beneficiary?

        There is no restriction to who you can name as a beneficiary. That being said, if a beneficiary is a minor then a Trustee must be appointed for the duration of time until the beneficiary reaches the age of majority.

      • 4. Is the payment my beneficiary receives tax-free?

        Yes.

  • 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!

    • FAQ

      • 1. Is Critical Illness insurance paid out to my family after I pass away?

        No. Critical Illness insurance is a living benefit and is usually paid out to you as a lump-sum following a survival period of 30 days after diagnosis of one of the listed illnesses.

      • 2. What is a survival period and how long does it last?

        A survival period refers to the waiting time between receiving a diagnosis and when your benefit is paid out. For most Critical Illness policies, it is 30 days.

      • 3. How is the lump sum determined?

        Typically, you need to purchase coverage for up to two years of income. However, we can offer you access to limits of up to $1 million. There is also no associated deductible.

      • 4. Are there any restrictions as to how I can use the money from my Critical Illness Insurance?

        No. You can use your Critical Illness insurance for anything from medical treatment to a luxurious vacation. How you want to spend your money is completely up to you.

  • 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!

    • FAQ

      • 1. Is Travel Medical Insurance purchased per trip or on a yearly basis?

        It’s up to you. Both types of policies are available. However, purchasing on a yearly basis means you will be covered for all trips you take during that year. Purchasing per trip is more limited.

      • 2. Can I add any additional travel protection to this policy?

        Yes. We can add Lost Baggage and Trip Cancellation extensions to your coverage.

      • 3. What is covered under Lost Baggage?

        This provides protection for the replacement value of items in baggage that is lost during travel.

      • 4. What is covered under Trip Cancellation?

        This coverage provides reimbursement for travel expenses (airfare and accommodation) when the trip must be cancelled prior to or after departure for some unforeseen reason.

  • 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!

    • FAQ

      • 1. What's included in my pet insurance policy?

        Accidents, illnesses, dental exams, exam fees, alternative therapies, surgery, medication, preventative care and more are covered in your pet insurance policy.

      • 2. What is co-insurance?

        Co-insurance is the percentage you pay of the total cost of the claim. For example, if insurance covers 80% of the claim, you pay the 20% out-of-pocket.

      • 3. I have more than one pet. Do you offer a volume discount?

        Yes. You’ll receive 10% off for enrolling three or more pets, and 15% off for enrolling six or more pets.

      • 4. Are pre-existing conditions covered?

        No. Unfortunately, pre-existing conditions that showed symptoms before the policy was enacted or during the waiting periods are not covered.

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

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