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‘It was time for a change’

By Brock Huffstutler

May 16, 2023

The ARA Canadian Insurance Solutions programAre you willing to receive a business insurance quote from another provider if there was a potential for significant cost savings — and, if that provider offers coverage that is specifically designed to meet the needs of equipment and event rental businesses? If so, then take a look at the American Rental Association’s (ARA) Canadian Insurance Solutions program.

Westland Insurance Group is ARA’s exclusive partner in the program, which offers comprehensive insurance solutions to members across all Canadian provinces.

“I joined the Westland Insurance program earlier this year, and the primary reason for the change was the cost,” says Graeme Parcher, owner – Greater Toronto Area West,, Mississauga, Ontario, Canada. “It represented a 60 percent savings over my existing insurance program. That, coupled with the scale of the ARA and the faith I had in the insurance program they offer, convinced me it was time for a change.”

Members like Parcher who participate in the ARA Canadian Insurance Solutions program have access to coverage that includes:

  • Property — Bespoke limits, deductibles and rating for building, stock and equipment while kept on premises.
  • General Liability — Up to $5 million per occurrence; up to $5 million aggregate per policy term.
  • Contractors Equipment — Coverage for rental and sales inventory at the store, on the road or out to rent; replacement cost coverage offered for the first five model years; comprehensive conversion wordings included.
  • Cyber Insurance — Coverage for first- and third-party claims, including cybercrime (phishing scams, ransomware, EFT [electronic funds transfer] fraud) plus industry-leading 24/7 incident response coverage.
  • Excess Liability — Limits up to $10 million available; provides excess limits over general liability and auto liability.

“The parameters within which you can make a claim are broader than those of the existing program I was with,” Parcher says. “For example, conversion theft coverage with the ARA program is less burdensome from a logistical standpoint, which gives us greater flexibility when dealing with our customers and deliveries.”

All the insurance products delivered by ARA’s Canadian Insurance Solutions program are underwritten with an AM Best “A” rated insurance company and are supported by advisors with rental industry experience.

ARA members involved in contractor equipment, tool rentals or event rentals — as well as members that are equipment dealers with a rental operation — will find value in the new Canadian Insurance Solutions program.

“We’re really happy to have found a partner like Westland Insurance that will set our Canadian members up for success,” says Tony Conant, ARA CEO. “Westland understands the complexities of rental and why insurance is so crucial to business operations. We’re excited to work with them and serve our members in all provinces.”

Click here for more information about the insurance offerings available through the ARA/Westland Insurance Group partnership. Questions? Call ARA member services at 800-334-2177.