Commercial Insurance

HED Insurance and Risk Services is proud to provide Sobeys Franchised and Affiliated Stores with a “protected self-insurance” Commercial Insurance program.

HED understands the need for a personalized insurance plan for your business. As one of the largest Canadian owned insurance brokerage and risk management firms, we have the resources and expertise to deliver the most complete line of insurance solutions available.

HED offers quality insurance programs, a refined distribution system and a national client support system designed for your specific needs and convenience. We have dedicated ourselves to working with our associations and buying groups in effort to establish ourselves as one of the leading marketers and administrator providers of commercial and employee benefit insurance programs in the country.

Our Commercial Insurance program is designed for store owners to assist them in securing financial protection for themselves and their business.

The Benefits

1. Group Purchasing Power

Being part of a broadly-based insurance program allows for a better spread of risk and increased bargaining power. The overall benefit for our clients: more value for their insurance dollar.

2. Superior Insurance Coverage

These insurance programs offer exclusive coverage not often found in individual policies, such as earthquake, sewer back-up, flood, off-premises power interruption and bylaws extension.

3. Continuity

For over 25 years, our clients have relied on the long-term stability of our programs to consistently maintain their coverage at competitive group rates.

4. Claims Service

Our expertise allows us to maintain a uniform, fair, and responsive claims service. HED has a Non-Emergency and a 24 hour Emergency service for Commercial Insurance claims.

5. Continual Access to Risk Management and Loss Prevention Services

By helping you understand the risks that you face, we help you to make better informed decisions in securing financial protection.

6. Loss Prevention Program

HED's dedicated team is constantly educating itself on the diversity of the business culture and the continuous changes of day to day risks. We constantly find innovative ways to help you reduce claims through bulletins and programs which teach effective solutions and practices that prevent losses.