Commercial Insurance

The following insurance coverages exclusively designed for AHLA members are now available: • Property Insurance • Liability Insurance • Business Interruption • Crime • Equipment Breakdown

HED Insurance and Risk Services, in partnership with the AHLA, is proud to be the endorsed provider of a specialized insurance program with risk management services for AHLA members across Alberta. For over 25 years, HED has specialized in helping Canadian associations, buying groups, and independent businesses save money while providing the right level of coverage through a specialized group insurance program. We are here to help you with your insurance needs.

Our Guarantee to You

• We will understand your business and the risks you face.
• In conjunction with the AHLA, we have created a specialized insurance program for Alberta’s lodging industry.
• We will work with you to determine the “right” level of coverage to meet your particular needs.
• We will provide consistent and ongoing Alberta-wide sales and service support for your insurance needs.
• As a participant in the AHLA insurance program, you have the benefit of strength in numbers with preferred group rates.
• The new AHLA insurance program will provide each member with immediate premium savings and long-term rate stability.
• The program will provide an opportunity for rebates paid directly to participating members.
• All participating members under the new program will have an HED representative review current coverage limits, including building evaluations, and provide coverage recommendations.

Features & Benefits

• Immediate Savings – Minimum 10% reduction off your current policy premium.
• Long Term Rate Stability – Members' future premiums are based upon program claims, not on insurance market savings.
• Ownership of Premiums – 43% of premiums owned by participating AHLA members; fund pays defined portion of claims; any balance after claims of each year’s fund belongs to insured members; interest earnings on fund capital and claims reserve belong to participating members.
• Proven Structure – Protected self-insurance structure same as all franchised Sobeys locations and Manitoba Hotel Association.
• Complete Insurance Protection – Insurer pays all claims over the annual deductible fund; no deficit or retroactive assessment can occur in this self-insurance fund.
• Administration – Underwritten by ING Novex; ING is Canada’s largest insurer; risk management, loss prevention and building evaluation service; consistent claims handlers with control adjusters and lawyers under HED’s direction on AHLA’s behalf.