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Equipment Breakdown Insurance

Equipment breakdown insurance covers you in the event that machinery and equipment you rely on to conduct business stops working correctly, thus impeding your operations from running as usual. It's a necessity for industries that count on heavy machinery or even computer equipment. While having Calgary equipment breakdown insurance does not protect your equipment if it's damaged, it does safeguard against malfunctioning machinery and equipment.
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Who Should Buy Equipment Breakdown Insurance

With equipment breakdown insurance, Calgary businesses are covered against the breakdown of mechanical or electronic equipment. Eliminate the risk of your equipment breaking down and have the peace of mind of knowing that your operation will run smoothly.

This policy includes coverage for the breakdown of mechanical or electronic equipment, as well as the explosion of a pressure vessel. As a manufacturing facility, you want to consider equipment breakdown coverage. Having Calgary equipment breakdown insurance will cover the costs of repairing expensive mechanical or electrical equipment in the event of a breakdown.

Equipment breakdown insurance is also valuable for freezers or coolers in the event that compressors malfunction, resulting in food spoilage inside. Equipment breakdown insurance, also known as boiler and equipment breakdown insurance, is the only form of coverage that will pay to repair the breakdown and replace the spoiled contents inside.

Business owners sometimes assume they don't need Calgary equipment breakdown insurance if they don't use specialized equipment such as production line machines. That's actually a misconception—in fact, most businesses need the insurance protection of equipment breakdown insurance. This type of coverage applies to certain equipment that almost all businesses rely on, such as HVAC systems. If you own a retail store, for example, and your HVAC system grinds to a halt the week before the winter holidays when it's -30 degrees Celsius in Calgary, you won't be able to keep your business open unless your furnace is repaired promptly—and that's where Calgary equipment breakdown insurance comes into play.

Industries in Alberta that Need Equipment Breakdown Insurance

A number of different types of businesses and professionals require Calgary equipment breakdown insurance coverage in order to operate safely and efficiently. These include:

  • Contractors and skilled tradespeople who use specific tools
  • Restaurants and bakeries that use fridges and kitchen equipment
  • Property owners with alarm and security systems
  • Warehouses and manufacturers that require machinery for operations
  • Hospitality businesses that rely on HVAC systems to keep customers happy

Why Equipment Breakdown Coverage is Necessary

No matter what type of business you run, you likely have at least some equipment that is necessary to get the job done—either because you directly need equipment to provide your services or manufacture your products or because you indirectly need it to keep your employees productive and your customers or clients happy. But as we all know, no type of machinery and equipment, whether digital or analog or some combination of both, is impervious to frustrating problems like a mechanical failure or accidental breakdown that can leave you scrambling to figure out how you'll fill the gap until you can get your necessary equipment repaired or replaced.

When you have a robust Calgary equipment breakdown insurance policy on your side, you don't have to worry about the eventuality of a frustrating equipment breakdown causing you unexpected financial setbacks. Speak to a reliable equipment breakdown insurance broker at Krywolt Insurance today to find out more about Calgary equipment breakdown insurance coverage.

Incidents and Perils Covered By Calgary Equipment Breakdown Insurance

It's important to note that only specific causes of damage are covered by your machinery breakdown insurance policy. For example, fire and flood damage would not be protected against by this type of insurance coverage. Likewise, theft would also require a different insurance policy. Be sure to speak with your Krywolt Insurance broker about the different ways you can protect your company’s machinery and equipment when you reach out to discuss Calgary equipment breakdown insurance.

Some of the different types of damage that are protected against with your Calgary equipment breakdown insurance coverage include:

  • Operator error
  • Electrical shorts
  • Power surges, such as high voltage, into the electrical system
  • Loose cable or wire connections
  • Loss of vacuum or pressure
  • Moisture or condensation that damages circuits, wires or other components
  • Rupture of a pipe caused by centrifugal force or spinning
  • Motor failure
  • Explosions, including steam pipes, steam turbines, steam boilers and steam engines

Equipment Issues That Are Covered By Calgary Equipment Breakdown Insurance

Machinery breakdown insurance in Alberta covers a wide range of equipment. This kind of insurance policy safeguards against damages due to power surges, electrical shorts, mechanical breakdowns, motor burnout and operator errors. Essentially, any internal issue that could cause damage to your equipment is covered by equipment breakdown insurance coverage.

For example, any of the following would be protected according to your insurance policy.

  • Mechanical Breakdown: Mechanical equipment that would be covered under your Calgary equipment breakdown insurance policy includes motors, engines, generators, elevators, water pumps and specialized manufacturing equipment.
  • Computers and Communication System Failure: If you have a power surge that damages your computer systems, phone systems or voicemail systems, this would be covered by your policy. Note that it does not cover non-physical damage such as a virus.
  • Problems with Air Conditioning Systems: This would include air conditioners that are used by tenants in your building.
  • Problems with Refrigeration Systems: If you run a commercial kitchen and rely on refrigerators and freezers to store a significant amount of food, it's essential that you have equipment breakdown insurance.
  • Electrical Breakdown: This would cover issues with electrical panels, transformers, and cables. For instance, say a fuse blows and damages the electrical panel in your business.
  • Damage to Boilers and Pressure Equipment: Examples of pressure equipment that you should have adequately insured in the event of a pressure system breakdown include autoclaves, compressed gas cylinders, compressors and vacuum chambers. This would also extend to water heaters and steam boilers.
  • Breakdown of Security Systems: Alarm systems are key for many industries, but this is especially true if you're responsible for your tenants' or renters' security systems.
  • Alternative/Renewable Energy Systems: Even solar panels and wind turbines can be protected with your Calgary equipment breakdown insurance coverage.

Equipment Breakdown Insurance Coverage Options

We've established the type of equipment that can be protected in the event of an internal disruption that damages your machinery. But what exactly does a Calgary equipment breakdown insurance policy cover? Continue reading to discover why machinery insurance is so important.

Replacement Costs

If your machinery is damaged beyond repair, having machinery or equipment breakdown insurance will cover the cost of replacing the affected equipment. This way, you are able to get back to business as usual in a prompt fashion—without being financially crippled by the cost of expensive equipment—with coverage from your equipment breakdown insurance policy.

Business Income Losses/Business Interruption

If you work in an industry that relies upon your equipment, such as a bakery, then losing access to that necessary equipment due to a malfunction or accidental damage can not only greatly impact your daily operations, it can put you out of business. With the right Calgary equipment breakdown insurance policy, your loss of income will be supplemented until you are back on your feet—and have a new machine, so you're able to get back to business. Talk to your Krywolt Insurance broker today to learn more about your options and additional coverage options to protect against financial losses.

Spoiled Inventory

It can be heartbreaking when your fridge stops working, and you wind up having to throw away spoiled inventory. If you work in the hospitality industry, you know how much your food cost margin can make or break your business. Having a Calgary equipment breakdown insurance policy that includes spoilage coverage can help ensure that in the event of a mechanical or equipment failure that results in you having to throw away spoiled inventory, you are protected from that financial loss and are reimbursed for the cost of your inventory.

Property Damage

If your heavy machinery breaks or even explodes, it can cause serious damage to your property and that of other businesses nearby. With Calgary equipment breakdown insurance coverage, you will be reimbursed for the cost of repairing or replacing any damaged objects. This type of Calgary equipment breakdown insurance coverage will also ensure that you're protected against any liability you may face if your neighbouring business decides to sue over damage to their commercial buildings or property or if anyone was injured during the incident.

Relocation Costs

Sometimes, claims under equipment breakdown insurance policies will also cover temporary moves. This is typically for commercial property owners whose tenants require relocating after malfunctioning machinery causes their units or homes to be uninhabitable—say, the building has a loss of heating, air conditioning or electricity.

That said, business owners can benefit from this coverage as well. If the damaged machinery also means your employees can't work at your usual site, this will cover the cost of having production or operations occurring at an alternate location.

Frequently Asked Questions

Do you have questions about Calgary equipment breakdown insurance? Give us a call at Krywolt Insurance to speak with a qualified commercial insurance broker and find out more about what equipment breakdown coverage can offer your business.

Is Having Calgary Equipment Breakdown Insurance Coverage the Same as Having Boiler and Machinery Breakdown Insurance Coverage?

Yes, and no. Equipment breakdown insurance is a newer form of boiler and machinery breakdown insurance—so it has broader coverage. Initially, boiler and machinery insurance was introduced when steam boilers were the primary source of industrial power. Today, this is no longer the case. Many businesses rely on electricity and renewable energy sources like solar and wind power. Additionally, businesses today use a wider range of equipment, which is also covered by this policy. Be sure to ask our Krywolt insurance brokers whether this type of business insurance would apply to your business, or what your options are in regards to your Calgary equipment breakdown insurance coverage.

What Financial Losses Does Calgary Equipment Breakdown Insurance Cover?

This type of policy will cover many of the financial costs that occur as a result of equipment and machinery breaking down. This includes but is not limited to, repairs, inventory losses and business income losses. Be sure to read your policy carefully, or speak to one of our Krywolt Insurance brokers, to ensure you understand the specific details and limits of your Calgary equipment breakdown policy.

How Much Does Calgary Equipment Breakdown Insurance Cost?

The cost of getting Calgary equipment breakdown insurance for your business varies based on a variety of factors, including:

  • The size of your business
  • The industry you work in
  • The specific equipment you have
  • The annual income of your business
  • The types of coverage included in your policy
  • Your claims history

What Types of Accidents are Covered by Calgary Equipment Breakdown Insurance?

Your Calgary equipment breakdown insurance policy will cover any accidents that cause damage to your equipment and/or machinery that are caused internally—such as in the event of an explosion in a steam boiler or a mechanical breakdown of manufacturing equipment. This is different from damage caused by external forces, like a fire, flood, hail or theft. In those cases, the subsequent losses would need to be covered by your commercial property insurance policy. Typically, your equipment breakdown insurance policy will specifically state what perils are not covered, such as most natural disasters. Be sure to read through your policy carefully so you understand what is or isn’t covered by your equipment breakdown insurance. Calgary business owners can also reach out to our Krywolt insurance experts with any questions you may have about your policy coverage.

What are the Key Exclusions to Equipment Breakdown Insurance Coverage?

The most important exclusion you should be aware of when it comes to your Calgary equipment breakdown insurance policy is wear-and-tear. Issues like improper maintenance leading to a breakdown, rust, decay, pest damage, old age, and issues due to outdated computer systems will not be covered by your Calgary equipment breakdown insurance policy. It's important to talk to your Krywolt Insurance broker to determine what is considered wear-and-tear for your industry.

Doesn't My Commercial Property Insurance Cover Equipment?

Yes and no. Commercial property insurance and equipment breakdown insurance both offer you insurance compensation if you need to replace or repair equipment. The difference between these two types of insurance coverage lies in the kinds of damage they are applicable to. Your commercial property insurance policy will cover damage caused by external forces, like a flood, fire or natural disaster, or theft and vandalism loss or damage. However, Calgary equipment breakdown insurance specifically covers damage caused by internal forces. This includes mechanical breakdowns, motor burnout, operator error, electrical shorts etc.

Suppose a fire breaks out in a neighbouring building and spreads to your commercial property, where it destroys your building's HVAC system. In that case, you'll need to file a claim on your commercial property insurance policy to get the HVAC system (and probably many other components of the building) restored or replaced. But if your HVAC system experiences a mechanical failure and stops working altogether, you will need to file a claim on your equipment breakdown insurance policy to get the necessary compensation to have it repaired or replaced.

Because of the key differences in terms of coverage, you should take care to familiarize yourself with the details of your insurance policies, so you understand what covers what in the event you need to make a claim. Our team of brokers at Krywolt will be happy to answer any questions you may have about the details of your insurance policies.

Does Equipment Breakdown Insurance Cover Services That Require Equipment?

No, it doesn't. Equipment breakdown insurance only provides you with insurance compensation to assist with the costs of repairing or replacing equipment that has suffered a breakdown caused by internal forces such as a mechanical issue or electronic problem and potentially provides coverage for income loss that results from such a breakdown. It does not insure the services you provide with your equipment in a liability sense, meaning if you have legal action brought against you for something like failing to provide promised services, your Calgary equipment breakdown insurance will not apply to your legal expenses and settlement costs.

For example, if you run a catering business and your commercial refrigeration system breaks down, your machinery breakdown insurance will provide you with the funds necessary to handle the repair or replacement costs involved with getting your refrigeration unit up and running again, as well as compensation for the income you lost while you were unable to work due to the malfunction, and the cost of food that was spoiled by the lack of refrigeration. But if a customer sues you because you were unable to fulfill your contract with them due to the breakdown, your Calgary equipment breakdown insurance will not cover the cost of litigation and legal settlements. That type of insurance coverage requires commercial general liability insurance or, in some cases, professional liability insurance. Ask our brokers about your different options for liability insurance today!

Is Calgary Equipment Breakdown Insurance the Same as a Home Warranty?

No. A home warranty is a separate product that's usually sold separately from your property insurance. However, Calgary equipment breakdown insurance is generally offered as an upgrade to your homeowners insurance policy. Much like how you can protect your commercial equipment, you can do the same in your home. This may be useful if you've invested in cutting-edge appliances or rely on using your computer for work. It's also a good idea if you have invested in home systems such as a climate-controlled wine cellar. Our insurance brokers will be happy to discuss the differences between a home warranty and equipment breakdown insurance with you, along with how they would apply to your situation.

Is there a Difference Between Equipment Breakdown Insurance Coverage and Contents Coverage?

Yes. Contents coverage protects your property—including any equipment, machinery and/or computers you have at your business premises—from damage due to external factors. It's usually included as part of your commercial property insurance policy. Unlike Calgary equipment breakdown insurance, it does not cover internal factors that cause your machinery and/or equipment to malfunction or break down.

Do I Need Business Equipment Breakdown Insurance Coverage if I Already Have a Warranty on My Equipment?

Typically, yes. While you're usually offered a warranty when purchasing costly equipment and machinery, there are often limits set on the warranty. This is why it's very important to familiarize yourself with what is and is not covered by the warranty. It's common for small business owners to decide they don't need Calgary equipment breakdown insurance coverage because their equipment is still under warranty—only to discover they made a very costly mistake. For example, warranties don't usually protect against operator error that results in damage. Likewise, if your warranty expires without you realizing it, you could find yourself in serious financial trouble if you have to replace expensive machinery critical to your business operations out-of-pocket.

Because of this, our Kyrwolt insurance brokers will recommend that you get a Calgary equipment breakdown insurance policy regardless if your equipment is still under warranty. This will ensure that you are protected from any gaps in warranty coverage in the event of the worst case scenario.

What Other Types of Insurance Should I Have Besides Equipment Breakdown Insurance?

If you're a business owner in Calgary, regardless of the size of your operation, it's integral that you have adequate coverage to protect your business from a worst-case scenario. In addition to adding equipment breakdown coverage to your policy, you should also consider the following types of business insurance coverage:

  • Commercial General Liability Insurance: This policy protects you and your business from a loss in the event you are accused of causing bodily harm or property damage to a third party.
  • Product Liability Insurance: This coverage safeguards against liability claims due to a malfunctioning product.
  • Professional Liability: If you provide professional advice that winds up causing your client harm, they may try to sue you. This insurance policy protects against a subsequent lawsuit.
  • Commercial Property Insurance: Your brick-and-mortar property is integral to your operations. Protect it, and any tools, equipment and technology on its premises, with the right coverage.
  • Commercial Auto Insurance: If you or your employees use company vehicles to conduct business, they should be insured with a commercial auto policy.
  • Cyber Risk and Data Breach Coverage: Keep confidential client and financial information safe from hackers with this insurance policy.

If you are unsure about how much coverage or what type of business or commercial insurance coverage you need, our Krwolt insurance brokers will be happy to help you craft the perfect policy based on your unique business needs.

How Do I Add Calgary Equipment Breakdown Insurance to My Policy?

Generally, you should be able to add Calgary equipment breakdown insurance as an endorsement. However, if you operate a large business, you may need a standalone policy.

Whatever the case may be, when you talk to your dedicated broker at Krywolt Insurance, we will work with you to establish what policy is best for your business's unique needs. As a family-run business that has been serving Calgarians since 1952, we know what it takes to adequately protect your business from the many pitfalls that could cause a financial loss. We will take the time to find the best coverage for your business’s needs.

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You need an insurance expert that understands Equipment Breakdown Insurance to be able to define all the possible risks associated with your business so you get the best possible coverage to ensure that a single simple accident or oversight doesn’t overcome your business. You know your business, we know the risks and the ways to protect your business from potentially crippling law suits or loss.

We don’t offer instant online quotes for Equipment Breakdown Insurance because there is no way we can get to know you and your business without speaking to you and coming to understand all the complexities or simple processes that need to be insured.
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Krywolt Insurance is a fantastic group of people doing great work. They found mistakes that the other broker made and got our insurance rate much much lower. Thank you for your care, friendliness and knowledge.

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Krywolt offers a high quality insurance service and has exceeded expectations in every way. Every interaction has been met with the upmost level of professionalism and efficiency. As a new business owner they were incredibly helpful in answering any questions we had, and were timely and diligent in having all our needs and requirements met at the time of our annual renewal. I can say with confidence they take care of business. Our account manager Sarah Lefebvre has been an absolute pleasure to work with, is incredibly on the ball with all communications, and has ensured anything we've needed was taken care of!

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Thank you Keri Myers for setting up my new auto policy so efficiently. I know summer time is a busy time of year for everyone but you made my experience seamless. It’s a pleasure coming on board with Krywolt Insurance through a reference that said this company is friendly and amazing to work with. Your timely response to emails and friendliness matters to someone like me having the courage to end my old insurance company which I was very loyal to since I started to drive as a teenager and I’m in my 40s now ! Kindest Regards, Connie Choi

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I cannot express enough how helpful this broker firm is. I specifically deal with Dwight Clink for all of my business needs. I have dealt with many brokers, NO ONE has ever stepped up to the plate with such amazing service. Iam a very busy owner and Dwight helps me immensely with many tasks without question. Thoroughly professional in every manner. One time I was out of out of the city on a Saturday and needed documents prossceessed. I emailed them expecting not to hear back until the following week and to my utter disbelief two members of the team reached out to help me!!! Now that is service.

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I have been dealing with Dwight Clink from Krywolt Insurance for the past couple of years & have found him to be nothing short amazing He has helped me every time I have had any issues or needed any information. I know I can always count on him to be helpful & efficient with all my questions & needs which he answers in a timely manner. No matter how big or how little, he makes me feel like I am his priority. Thanks Dwight for your awesome customer service.

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Where do I start? Had my company vehicle ins with Brokerlink/Intact, but company CGI with Krywolt where I dealt with Sarah Lefebvre. I received our company auto renewal and it went from $1700 a year to $4900 a year!! I contacted my broker and asked why the insane increase and told him we can't afford this!! After a few hours, he called back and said he tried everything, but there is nothing he could do :-( Even though Sarah only handles our Commercial Ins, I emailed her and said "HELP" To make a long stressful story short, Sarah worked her butt off, trying to find out why the huge increase and see if she could get me a better deal. Of course, as soon as my Brokerlink rep found out I had gone someplace else, all of a sudden he found me a better deal !!?? BUT Sarah found an even better deal! I have never received such incredible personable customer service from an insurance broker in all my years of needing insurance. She has assisted me in other situations before all this as well which is why I reached out to her on this. I don't know about anyone else, but I feel having a broker who you can trust and communicate with is crucial! Thank you Sarah for everything you did for me! and thank you Krywolt for hiring her :-) Give this girl a raise :-)

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Sarah L is amazing. She is so attentive and quick to respond. She is knowledgeable and keeps up to date on our account. Insurance is important and you want to feel like the person you are talking to will make sure you are protected, Sarah definitely does that. I have been with Krywolt for many years and am very happy with the service I receive. Thank-You!

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Krywolt has been a fantastic company to work with. Sarah has taken such good care of all my personal and company accounts. Always same day service when I need it. I can rest knowing that Sarah has my back !!!

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Sarah is the best !! Always helpful and provides excellent service !

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September 19, 2022

Sarah L. provides good service, she is very responsive, i feel like my insurance needs are being met or better yet exceeded, she explained thoroughly my buisness liability insurance. So I feel secure in the insurance I have purchased is right for me.

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I chose Krywolt because of the positive reviews and I was not disappointed. Thank you Morgan!

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Love dealing with Krywolt and Amit Pandhi. They were great from the outset and after a year of dealing with Amit, I cannot say enough about how responsive he is and how wonderful he is to deal with. We switched from AMA over a year ago as their car insurance rates skyrocketed but as a broker, Amit was able to get me great rates for 2 homes and 3 vehicles. Wouldn't hesitate to recommend Krywolt and Amit. Dealt with Morgan when I first inquired and she is also terrific.

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using Krywolt Insurance Broker has just been the best, They are professional ,highly responsive and the best part is you get the best value out there... there is a great guy there named Amit. He's good at what he does.

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Was left frustrated and angry working with other brokers to find the right policy until I found Morgan at Krywolt. Morgan has a can do attitude and is always accessible when needed. Nice work Morgan, keep up the super work and positive attitude!

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September 17, 2021

Morgan Anderson was amazing to deal with. She handled my request with insurance in a timely manner and has exceeded all my expectations. I recommend Morgan Anderson to anyone who needs this service to help grow their commercial business. I will use Morgan to handle all my future insurance expectations. Thank you Morgan!!

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September 16, 2021

Great dealing with AK who is patient, efficient and very helpful. I appreciate the help provided with the insurance on my new house

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September 1, 2021

Morgan Anderson has been such a pleasure to work with. We set up our business and auto insurance through her. We came to her with a complicated situation and she was extremely knowledgeable and thorough. I highly recommend going with her for any personal or professional insurance needs! Thanks again Morgan!

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July 16, 2021

I went to Krywolt because of the high Google reviews. I was right to do so! Dan made the process easy on me, found great coverage and at an amazing rate. Dan is incredibly knowledgeable and friendly. I am happy to know that my company is well protected and that's thanks to Dan!

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July 7, 2021

Krywolt saved my business and has renewed my faith in the insurance industry. Dan is more kind and knowledgeable than anyone I've dealt with in the decade I've had my business and took the time to give me multiple options for things like ways to sign the paperwork online or in person and payment plans if needed. He also patiently and gladly walked me through anything I didn't fully understand. I can't say enough good things about how wonderful Krywolt has been to deal with. I tried 4 other companies trying to get my business insured after Covid shut us down for 1.5 years, I thought we were done for good as no one was able to help. (My biz doesn't fit in an easy box to insure.. or so other companies told me) Then as a last ditch effort I spent a whole day researching reviews for almost every broker in town and found Krywolt! Dan answered the phone when I called just to see if my online form went through - Instead of talking down to me and telling me to wait for a response he chatted with me for 20 minutes on the spot and within a few hours he had me insured with a company who specializes in my hospitality industry. No other broker I've talked to even knew about them... and they certainly didn't have any answers or keep me in the loop about how it was going after a week or more of waiting. I've been gaslighted, strait up lied to and talked down to by other brokers in the past few weeks, needless to say I was deflated before I found Krywolt. I didn't know a company in this industry could be so welcoming, Krywolt is a breath of fresh air and has inspired me to be better in my own business. Don't hesitate to fill out the form online or give them a shout. You will receive 5 star service and if you've ever dealt with other companies I bet you any money you will wish you had found them earlier.

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Jenness McGrath
June 24, 2021

I have had to deal with a few different insurance companies and I have to say the level of responsiveness and personal care I received was outstanding. I've been working with a lady named Morgan. She seems to have a very good way people. I know she has more clients but she makes it seem like I'm the only person she has to deal with. Keep up the great work.

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Dale Ewashen
May 1, 2021

I recently purchased a 2006 Peterbilt hi-way tractor & was in the process of getting it insured, wow did I get an eye opener. I spent 2 days phoning my insurance company and all others that I could find, 60% wouldn't touch me, the other 40% wanted the most ridiculous amount that it barely warranted putting it on the road to work, with a 40% to 70% deductible if anything happened!! After the Humboldt nightmare no one wants to talk to you. Trucker friend of a trucker told me to get ahold of Krywolt Insurance in Calgary they can help. Phoned & got ahold of Dan Hannaford, got talking & unreal Dan talked to Darren that owns Krywolt Insurance & it turns out that his grandfather and dad owned Krywolt Insurance in the Crowsnest Pass in Coleman. I remember old Al Krywolt when I went to insure my first car a 1964 Ford Galaxy. Al knew we were starving young boys working in the underground coal mine in those day, first time insuring a vehicle, old Al would always cut us a deal to get us on the road, just used to tell us just don't crash eh. However dealing with Dan Hannaford at Krywolt Insurance in Calgary within a day & some paperwork emailed and my Peterbilt hi-way tractor was insured the same day & here's the best part of the whole deal, their rates were 60% to 70% lower than any of the closest competition, did that ever make my day. Dan & his people at Krywolt Insurance were the kindest, most knowledgeable, & helpful people I've dealt with, no such thing as NO, just give me an hour & I'll be back to you. Imagine hooking up with the same people my parents & I dealt with nearly 40 years ago. Thank you very much to Dan & the people at Krywolt Insurance in Calgary for being a super big help for me. Highly Highly 100% recommended Thanks Everyone!!!!,👍😃

Alex Bendel
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Alex Bendel
March 18, 2021

Great response time, very friendly staff. Only giving four stars because I found a cheaper insurance rate elsewhere

Shannon Voros
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Shannon Voros
March 17, 2021

Morgan goes above and beyond from a personal level to a business level working with her on both sides. I’m impressed with her knowledge and ability to find insurance solutions for her clients. Service and customer focus is top-Notch! Kudos to Krywolt and Morgan!

Mohamed Ahmed Ahmed
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Mohamed Ahmed Ahmed
February 23, 2021

Our business nature requires clients satisfaction with our insurance documents. Morgan always helps us almost instantly every time we request a change to satisfy a client's requirements. I personally used to shop around for better deals but now with Morgan, I can focus on my actual professional work knowing that I will get the best deal and best advices for my insurance needs. Always top notch services, thanks a lot

C Prins
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C Prins
January 28, 2021

I am very impressed with Krywolt Insurance. They have helped my small-business stay appropriately protected and have even refunded a portion of my fees to help relieve some difficult circumstances in this past year.

Corey Maetche
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Corey Maetche
January 22, 2021

Morgan is just a gem of a human! Always there to help me whenever I need, no questions asked. One of the most knowledgeable commercial brokers I've come across, plus sh'e a really good friend. Thanks again for everything Morgan!

Shawn Merkley
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Shawn Merkley
January 20, 2021

I have now dealt with Dan on a coupe of occasions for my insurance needs. He's really great to deal with and takes time to answer any questions or concerns. If you're looking for an insurance broker that is not only going to get you insured but will also advise you along the way call Krywolt.

Jen L
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Jen L
January 19, 2021

Morgan has done a great job taking care of the commercial insurance needs of many of the business owners that I refer to her. I really appreciate her knowledge and attention to detail. She is able to answer all their questions and give them the best options available to suit their insurance needs.

Janie Delorme
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Janie Delorme
January 12, 2021

I can't say enough positive things about Morgan Anderson at Krywolt Insurance. She went above and beyond for my companies Commercial Insurance. In a time with Covid causing hardship to a small business, Morgan took her time with renewing my policy and found insurance that covered everything I need at a price I could afford. I recommend Morgan to anyone looking for insurance, she goes above and beyond! Thank You for all that you do.

Roger Foster
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Roger Foster
November 12, 2020

These folks are the best! They have saved me money, and found ways to get the insurance we need by going the extra mile! :-)

sarah Lefebvre
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sarah Lefebvre
November 5, 2020

Kamal did my property and auto insurance and she was a pleasure to deal with, fast response and great price! Highly recommend.

Helen Ward
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Helen Ward
October 28, 2020

Ashley Quiring at Krywolt Insurance Brokers, Calgary, AB has been so helpful & professional. She was also courteous & quick to respond to our needs! Thankyou Ashley 👍

Shwa Norrie
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Shwa Norrie
October 21, 2020

I'd absolutely recommend Krywolt, especially Kamal who was fantastic, helpful and responsive throughout. Moving to Canada from the UK meant that some brokers from other companies found it difficult to apply my license from the UK to my Canadian insurance but Kamal went through it brilliantly.. Thank you again.

Michael Murray
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Michael Murray
October 16, 2020

I was dealing with Ashley throughout my experience which was second to none! I reached out-to many different companies. I received other quotes which were slightly more competitive, but the customer service was terrible. Ashley was prompt and understanding in which a quote was provided immediately and helped me through my experience. I would certainly recommend.

Heather Russell
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Heather Russell
October 7, 2020

I had a great experience with Morgan Anderson with Krywolt. She went above and beyond to get the best insurance deal for my family, Very professional and quick. I highly recommend her and this broker!

Norm Lacourse
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Norm Lacourse
October 5, 2020

I have been dealing with Krywolt Insurance for a few years now. I typically deal with Ashley, who has always been amazing. Recently she had some time off and sadly I did notice a drop off in service. Thankfully she is back to work now and she is hands down the best insurance broker I have ever dealt with. She is knowledgeable, prompt, and professional. This 5 star rating is solely because of how great Ashley is at her job!! Thank you Ashley

Cliff Elarco
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Cliff Elarco
October 3, 2020

I have worked with Morgan for serveral years and with her professionalism and expertise she provided me with exceptional service everytime! From recommendations to further understanding policies I have never felt more comfortable with an insurance broker. Thanks Morgan for all the help you've given me all these years.

Rizzabeth Dang
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Rizzabeth Dang
September 29, 2020

Sherry has been absolutely amazing!! Professional and best of all very informative. She has helped us understand how insurance works and actually leaves us feeling with more answers than questions. I highly, highly, highly recommend Krywolt insurance over other places. We’ve had insurance with other brokers for 20+ years but, this is the first time we actually feel confident that our brokers are there for us and helps us understand why we pay the premium fees that we do. Thank you so much Sherry!!

Krista Morrissey
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Krista Morrissey
September 29, 2020

I have been working with Ashley for a number of years now , she is extremely professional, sweet and wonderful to do business with! She has always found us the best prices with great coverage ! I absolutely love how knowledgeable and quick to get answers she is ! Highly recommended Ashley at Krywolt insurance!!

Joanne Bai
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Joanne Bai
September 28, 2020

I had great experience with Krywolt Insurance through Sherry Thompson. She's very knowledgeable with the insurance domain, responsive to emails and questions, and had been super patient with me. She was actually the reason that made me choose Krywolt Insurance over the other two brokers. Thank you very much Sherry for being so helpful.

Raymond Gill
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Raymond Gill
September 28, 2020

I've been with Krywolt insurance for many years and have had a great experience with them. They have a outstanding team and are always punctual and professional. I highly recommend! Sherry Thompson is my agent and my experience with her is why I gave it a 5 star!

Brittany McDade
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Brittany McDade
September 28, 2020

Ashley is our broker and she is FANTASTIC! Anytime anything insurance related comes up it is always easy to get in touch with Ashley and she deals with our concerns immediately. She goes above and beyond to make sure her clients get the best customer service from her and the greatest rates from insurance providers. We highly recommend Krywolt Insurance Brokers and Ashley specifically as a great company and person to answer insurance needs 👍

Speedy Hootsman
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Speedy Hootsman
September 28, 2020

I've used Krywolt for a few years now for all my insurance needs and I've gotta say they're second to none. Ashley W. is something else when it comes to customer service, anytime I need any information whether it's small or large Ashley is quick to respond and beyond friendly. I highly recommend Krywolt Insurance, especially if you get Ashley as your rep.

Jon Wright
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Jon Wright
September 28, 2020

Great staff and wonderful service, Ashley Wright will go above and beyond for you. You’re in good hands when you’re with Krywolt insurance.

Mike Legin
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Mike Legin
September 28, 2020

Very professional, easy to deal with and do their utmost to accommodate when possible. I often deal with Ashley as she is quick to take charge of the matter at hand and get back to me asap.

Kelsey Keys
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Kelsey Keys
September 28, 2020

I would like to share my good experiences with Ashley Wright. She is dedicated , polite hard working , makes extra effort to satisfy her customers. She is attentive to details and knows she job well.I would recommend his services to anyone.

Laureen Kovach
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Laureen Kovach
September 27, 2020

Ashley Quiring is great at what she does. She is very knowledgeable and always gets back to me the same day. I would highly recommend using Ashley for all of your insurance needs.

Tiana Bellingham
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Tiana Bellingham
September 26, 2020

I have been dealing with Ashley at Krywolt for almost two years and she has been great. Ashley is quick to respond, has always been able to answer my questions, and is incredibly efficient. I never worry about insurance related questions/issues, because I know that Ashley is always there to help.

Stephenie Raba
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Stephenie Raba
September 26, 2020

Ashley Wright has been my broker for a very long time now and she always goes above and beyond, always super helpful and timely with any questions or concerns. I couldnt imagine working with any other company or broker since working with her!

sexstone86
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sexstone86
September 26, 2020

Have never had a complaint about the customer service Ashley Wright provides. Always easy to get a hold of and always very good at explaining things and finding the best policy for my needs. I recommend her to anyone I know and even to those I don't.

Kathryn
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Kathryn
September 25, 2020

Dan and Morgan are 2 of the most competent and pleasant people I've worked with. They are quick to respond, thorough and lovely to deal with. I am fully confident with our insurance in their hands.

Tyler DeGagne
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Tyler DeGagne
September 3, 2020

I have worked with Dan for over a decade with my business in Calgary and in Edmonton. Dan is a true professional and really Builder's after my best interests. I can count on him to provide documents very quickly for our bidding and tendering. He can also be counted on to provide general advice. Dan and his team at Krywolt are an invaluable partner to us at Lionsgate Builders. I would highly recommend them for your business or personal needs. Very trustworthy. Thanks Dan!

Carly & Justin Cote
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Carly & Justin Cote
September 2, 2020

Great service. the staff is very friendly and knowledgeable.

Linda Reynolds
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Linda Reynolds
September 1, 2020

Krywolt Insurance Brokers is the absolute best in the insurance business! I highly recommend them for Business and Personal insurance requirements. Darren Krywolt, Dan Hannaford, and Sherry Thompson work extremely hard to determine the appropriate level of insurance required for the best price. Eagle Engineering Corp has carried comprehensive insurance for Commercial, Vehicle, and Professional Liability with Krywolt since they began. I personally have my home and vehicle insurance policies with Krywolt (arranged through Ashley Wright) so I have a high level of peace-of-mind knowing I'm well looked after.

Gillian Ellwood
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Gillian Ellwood
August 25, 2020

Sherry with Krywolt is the best! She is so nice to work with and very professional. With all our dealings with Krywolt as a company, they have always been prompt and patient in every step. Highly recommend!

Zahid Abdullah
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Zahid Abdullah
August 21, 2020

Highly recommend Krywolt insurance!, I've worked with Kamal Grewal as my broker and I always get quick, complete and friendly responses , she went above and beyond to find me the lowest rates with all the coverage I needed for my new vehicle. This was my first time having insurance under my own name and she made the process very easy for me. She is very quick to reply and was happy to answer any questions . I highly recommend Kamal to anyone looking for an insurance broker she is great!

Aaron Dias
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Aaron Dias
August 18, 2020

Fantastic Brokers. They got back to me quickly and Ashley made the whole process as easy as it could be.

Matt Green
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Matt Green
July 31, 2020

I worked with Ashley and Dan on a variety of insurance products. They were fantastic to work with: super knowledgeable, patient, excellent at explaining coverage options and finding the best balance of price versus coverage. They have access to a wide variety of products and markets so this is a one-stop shop. You will not be disappointed with these pros.

Taryn
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Taryn
July 29, 2020

I worked with Ashley and she went above and beyond to find me the lowest rates with all the coverage I needed for my new vehicle. This was my first time having insurance under my own name and she made the process very stress free and easy for me. She is very quick to reply and was happy to answer any questions I had throughout the process. I highly recommend Ashley to anyone looking for an insurance broker she is great!

Thomas Bye
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Thomas Bye
July 27, 2020

Great company to deal with providing great advice and policies at good prices. Would recommend to anyone looking for business insurance

Anastasia Soskovets
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Anastasia Soskovets
July 8, 2020

Highly recommend Krywolt insurance! After calling numerous insurance brokers they were able to get me the best deal! Great thank you goes out to Kamal for accommodating all my needs and being extremely patient with my particular situation! Very helpful and professional :)

Alex Calgary
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Alex Calgary
July 7, 2020

Excellent customer service. Last time I've talked with Kamal and today I talked with Ashley. Ashley went above and beyond to help me to find best quotes possible for my car and home insurance. I was impressed with Ashley's patience and knowledge as I had a million questions. Highly recommend this company for all your needs.

Iftikhar Wainse
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Iftikhar Wainse
June 29, 2020

A friend referred me to them and it was totally worth talking to them. Sherry made it really convenient for me to get business insurance. Very professional and responsive people.

GORDON FLUG
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GORDON FLUG
June 8, 2020

In 2019 i switched my business insurance over to Morgan Anderson at Krywolt and this year in 2020 i have switched both of my vehicle insurance policies over to Morgan again. She is an absolute pleasure to deal with - friendly, very quick to respond, professional. It is great to have one person to deal with instead of having to have multiple people for our various insurance needs.

Taylor Gudzowaty
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Taylor Gudzowaty
June 4, 2020

I've had the pleasure of dealing with Kamel over the last 2 days and her professionalism and kind spirit made my experience a very positive one. i will strongly recommend to her to my close friends and family!

Emmy Velandra Georgianna
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Emmy Velandra Georgianna
June 1, 2020

I had a fantastic experience using Krywalt. Kamal was very informative on what I needed to provide on my end, and the process that needed to happen to insure I received the best price for insurance. She was professional and very fast. I would definitely recommend anyone looking for hassle free and great price insurance to go through her and this company.

Sumir Saini
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Sumir Saini
May 29, 2020

I have had the pleasure of dealing with Dan at Krywolt Insurance on a number of occasions respecting my corporate insurance policy. He has proven to be very knowledgeable, honest and timely with all my concerns. I would highly recommend both Krywolt and Dan if you are looking for a high level of personal service and honest advice.

Cara Bennett
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Cara Bennett
May 29, 2020

Sherry was amazing. Very patient, gave thorough explanations on the policies, and helped with great savings. Thank you Sherry!

Bhupinder Mann
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Bhupinder Mann
May 29, 2020

Sherry is so good whenever I need any document any queries she always helps us , such a amazing work sherry , thanks alot,good quality , professional, response, great value.thanks

Jim Freer
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Jim Freer
May 29, 2020

My wife and I were new to Canada from the UK. Therefore we had more difficult situations to setup our car insurance and our camper van insurance and trying to include our driving history. I can only honestly say that all the time Kamal went the extra mile, and was impressively responsive and professional, to help us with our car and house insurance needs. It is not in anyway exaggerating to say that Kamal has saved us thousands of dollars, particularly for our camper van, compared to other Canmore/Calgray broker quotes we were getting. I would not hesitate in recommending Kamal to anyone I know (and indeed I have already done so). We are very grateful to have Kamal as our insurance broker, it's rare to find someone so helpful in my experience (and I am 53 years old!), best wishes Professor Jim Freer

Jason Szott
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Jason Szott
May 29, 2020

Morgan was instrumental in helping me get the proper insurance i need on my house and vehicles. I would recommend her in a heartbeat!

Joel Park
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Joel Park
May 28, 2020

Great company and team of people. We have been dealing with Darren for 6 years now and is always a pleasure. Jocelyne and Sherry are professional and responsive and they get things done quick and efficiently. I would definitely recommend them to anyone looking for outstanding service and the best prices.

Crystal Dyck
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Crystal Dyck
May 28, 2020

Wendy was amazing! She helped figure out exactly what I needed and got me the best policy! Who knew getting insurance could be so easy. Thanks Wendy!

Austin Hannaford
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Austin Hannaford
May 28, 2020

After having dealt with two different insurance brokers, Krywolt was my number one pick as they are very responsive and professional. I have worked directly with many of their staff, however I would highly suggest Dan Hannaford if you are looking for someone who knows his stuff and will do his best to get you the client what you require. They are a no joke insurance broker who will tell you upfront the real costs associated with your project. I highly recommend them to anyone who is in need of insurance.

Executive Training
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Executive Training
May 27, 2020

As a new business owner I didn't fully understand the requirements for commercial insurance, however after calling Krywolt and speaking with Dan he was able to guide me through the process. His knowledge and experience was second to none and he made the process so easy. I called around to other firms and no one else was able to provide me with the recommendations I recieved from Dan. This is the place to call if your looking for insurance.

Heather Jamie Hannaford
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Heather Jamie Hannaford
May 27, 2020

We worked with Dan on setting up commercial vehicle insurance and it was a fantastic experience. Dan was very knowledgeable and made suggestions that improved our coverage and provided better protection for our company all while finding us the best price. Dan was very responsive to our inquiries and always got back to us quickly. Are experience with Dan was very positive and we highly recommend Krywolt insurance.

Diana B
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Diana B
November 7, 2019

I can’t say enough good things about this company and their representatives - especially a big shout out to Melaine!!! Their efficiency is over and beyond and they made all my insurance requirements big or small the easiest thing to do not to mention they saved me money by combining my coverages. Thank you all at Krywolt!

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