# Calgary Insurance > For over 60 years, Acera Insurance has been a leading insurance broker in Calgary, a trusted provider of commercial and personal insurance for Calgarians. Calgary Insurance Get a Free Quote Acera Insurance Brokers in Calgary – Trusted for Decades Unlike most other firms in the country, Acera Insurance operates with independent ownership. We’re employee-owned and not tied to any Calgary insurance company – or any insurance company at all. There’s no hidden agenda and you get true choice and competition when it comes to your insurance in Calgary. Each day, our insurance brokers in Calgary go above and beyond for their clients. We don’t just sell insurance in Calgary – we have the highest level of industry expertise available to you. We prefer a hands-on, personal approach and pride ourselves in our customer service.  As a Calgary insurance broker of choice, we’ve continued to grow and attract the best people in our industry and are committed to ongoing professional and technological development for our employees. You can trust that you have the best working on your behalf. Contact us for help finding affordable insurance in Calgary for all of your insurance needs, personal or commercial. Commercial insurance in Calgary Do you have a budding home-based business? Do you run a growing small business? Or are you part of a multi-million dollar enterprise? Regardless of your company’s size or industry, your business needs to be protected. Our Calgary insurance brokers are split into two departments: one specializes in small businesses and the other focuses on corporate insurance. Both teams have years of experience. If you’re looking for Calgary insurance brokers, you don’t need to look any further than our incredible team. Here’s what our commercial insurance brokers in Calgary can do for you: Determine your insurance needs Deliver competitive Calgary insurance quotes Act as your insurance and risk management resource Assist and advocate for you in the event of a claim As Calgary insurance brokers, we provide insurance for the following commercial industries: Auto Dealerships Aircraft & Aviation Industrial Insurance Oil & Gas Insurance Hospitality & Special Events Insurance Information Technology Insurance Manufacturers Insurance Non-Profit Insurance Real Estate & Property Management Insurance Sports & Leisure Insurance Retail Business Insurance Construction Insurance Trucking & Transport Insurance If your industry isn’t listed here, don’t worry, we’re experts at creating innovative insurance solutions for Calgary businesses. Contact us today for a quote or consultation. Types of commercial insurance in Calgary Acera Insurance offers a wide variety of commercial insurance to Calgary businesses. From your basic business owners’ package to specially tailored policies for large corporations, we can find protection for you. Here are just some of the types of insurance coverages in Calgary: Business Owners Package (commercial property and liability) Commercial Property Commercial General Liability Professional Liability or Errors and Omissions Product Liability Cyber Liability Directors & Officers Liability Equipment Breakdown Business Interruption Home-Based Business Commercial Vehicle Fleet Group Benefits As we work with nearly 100 insurance companies in Calgary, we can provide flexibility, competitive prices, and choice for your business. Find out more about our Calgary commercial insurance. Personal insurance in Calgary Acera Insurance is a full-service brokerage that offers personal insurance for Calgarians as well, including insurance for your: Home Condo Rental Unit Vehicles RV Personal Cyber Boat ATV Collections Valuable articles such as artwork Liability Calgary is a great city with excellent access to nature, but it also endures severe weather and the occasional natural disaster. Protecting your home and other personal assets are important and can help your long-term financial security. At Acera Insurance, we understand that you need the best coverage for an affordable price. We work with a large number of Calgary insurance companies to provide you with true choice and competition with your insurance. Our Calgary insurance brokers are experts in insurance and dedicated to building a relationship with you. Home & Contents Insurance Acera Insurance offers Calgary home insurance to protect your home, belongings, and financial security. This generally includes: Liability (if someone is hurt or has their property damaged while at your home) Property damage (including your home’s structure, decks and sheds, furniture, and personal belongings) Additional living expenses in the event of a mandatory evacuation or a covered claim We can tailor your Calgary insurance based on your needs and budget. There are many options when it comes to your home and our Calgary insurance brokers can help you determine the coverage you need and get it for a competitive price. Tenant & Condo Insurance If you rent or own a condo, your Calgary insurance is a bit different than homeowner’s insurance. Tenant and condo insurance includes: Liability Property damage to your furniture and personal belongings Additional living expenses You’ll notice that the building isn’t covered – that’s because your landlord or condominium master policy would cover the structure. Some condo policies also cover special assessments – important coverage you should have if you own a condo. Keep in mind that as a renter, your landlord’s insurance will not cover anything belonging to you. It can be very expensive to replace all of your belongings, and tenant insurance is quite affordable. A Calgary insurance broker can help you determine the right policy for your rental unit or condo. Life & Health Benefits Insurance Acera Insurance provides benefits insurance to Calgarians who need supplemental coverage or do not have coverage from their employer. We offer the following to personal and commercial clients: Life Insurance Mortgage Insurance Critical Illness Insurance Disability Insurance Dental & Health Insurance Travel Insurance Our travel insurance includes travel medical, trip cancellation and trip interruption, lost baggage, sports, and more for a single trip or multiple trips. These policies can be purchased separately or as part of a package. Vehicle Insurance We do a lot of driving in Calgary and it’s essential that we protect ourselves and our vehicles. We work with a number of Calgary insurance companies to provide the following insurance options: Third-Party Liability Accident Benefits Direct Compensation Property Damage Collision Comprehensive Rental Car Loss of Use Usage-Based Car Insurance Ridesharing (i.e., Uber, Turo, Lyft) Individual insurers also offer additional choices and special discounts. You also decide on your policy limits, deductible, and payout option in the event of a claim. Our Calgary insurance brokers are here to help you. We’re here if you get into an accident or need help understanding your insurance. Plus, we make it easy to get a Calgary insurance quote online, by phone or in person. What risks does Calgary face and how can they be mitigated? Calgary is an amazing place to live but it isn’t without its risks. Floods, hail, tornadoes, winter storms and more can impact the city. Natural disasters and bad weather are unavoidable. Even if you prepare, damage can be done. Plus, there are still risks such as fire, theft and accidents to contend with. Calgary insurance helps reduce the negative financial impact of such events. When your home, business, or vehicle is damaged, insurance can help mitigate your losses and move forward. But insurance should always be the last line of defence. Here are some things you can do to protect your assets (and potentially reduce your Calgary insurance premiums): Park indoors or under cover during bad weather Don’t drive distracted Avoid speeding or driving aggressively Never drive under the influence of alcohol or drugs Always wear your seatbelt Use winter tires Drive for the conditions Leave an adequate following distance Never leave your keys in your vehicle Install anti-theft devices in your car Build with the weather and fire-resistant materials Install smoke and carbon monoxide monitors Keep fire extinguishers readily available Install a sprinkler system Never leave candles or open flame unattended Clean your barbeque and never leave it unattended Secure loose outdoor furniture and materials Store any firewood at least 10m from your home and cover it with a tarp Install security systems such as alarms, cameras, and lights Install water mitigation measures such as a sewer backup valve, sump pump, and water alarm Ensure grading drains water away from the building Carry out general home and building maintenance such as shovelling, cleaning eavestroughs, and promptly repairing cracks or damage These are just a few suggestions to help protect your vehicle, business and home. How much does insurance in Calgary cost? Calgary insurance varies in cost depending on the product you are purchasing, the amount of coverage, and many other factors. There is no one cost. Fortunately, you can gain a rough idea of what your Calgary insurance may cost you by understanding the factors that contribute to your overall premiums: Your postal code Personal demographics Building – business or personal, including materials, make, age Insurance history Driving record Credit score Commercial industry Coverage amount Our connections with top insurance companies in Calgary means you can get comprehensive coverage that doesn’t exceed your budget. Discuss with our brokers today or apply for a quote. Get a Calgary insurance quote online, by phone or in person If you aren’t sure where to start, don’t worry. Our Calgary insurance brokers are here to help you. Request a free insurance quote online, by phone or come meet us in person. Our Calgary insurance experts are happy to help and will provide you with a quote as quickly as possible. Contact us for help finding affordable Calgary insurance for your home, family or business. Ready to get your free quote? Simply complete our online form to receive free, no obligation quotes and advice from an expert broker. 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