Lloyd Sadd -

"We all know that insuring your Business is not as simple as insuring your car or your home. Every business is unique, and needs a package of insurance that meets that business' needs and provides the level of protection you're comfortable with. Lloyd Sadd Insurance has helped me achieve the right type of insurance package."

- Renu Narang, VP, Alta Window Mfg. Inc.

- Frank Burdzy, President & CEO, Champion Petfoods

"Lloyd Sadd has consistently exceeded our expectations as our insurance and risk management provider. Over the years the service team have provided valuable advice and expertise. We consider Lloyd Sadd to be a trusted advisor to our organization and their contributions to our organization as invaluable."

- Mervin Grzybowski, Vice President, DynaVenture Corp.

"Lloyd Sadd's people are proactive risk managers. They answer questions easily and thoroughly."

- Paul Keppler, CFO, Stahl Peterbilt

"Thompson Bros. has worked with the team at Lloyd Sadd for over 30 years – a relationship fostered by trust, expertise and a shared vision for growth. To us they are not only insurance brokers or surety providers; they are construction risk management professionals that are truly interested in our business and always strive to get a better understanding of what it is that we do."

- Paul Sturt, CFO, Thompson Bros. Group

"Lloyd Sadd's value added services, including their in-house claims advocate and transportation risk manager, have played a vital role in ensuring our organization is operating at its best capacity. We at Thompson Bros consider LS trusted advisors and friends. I would highly recommend the services of Lloyd Sadd's construction team to any Alberta-based construction company."

- Paul Sturt, CFO, Thompson Bros. Group

AFLCA Insurance Forms

Liability Protection for AFLCA (Alberta Fitness Leadership Certification Association) Certified Group Fitness Leaders

Energy

Lloyd Sadd is a recognized leader in providing innovative solutions to the complex needs of the oil and gas industry. We bring a unique perspective with our extensive energy experience in the E&P and Oilfield Service Industry - in North America and internationally. We have a stable and senior level energy team, which has been working together for over 15 years. They have a combined 130 years experience developing energy market expertise and senior level relationships with underwriters in North America, Europe and Bermuda.

We are both an insurance broker and risk management consulting organization. While the use of conventional insurance is still the mainstream, our primary objective is to identify your exposure to risk and implement a “total cost of risk” philosophy. We provide a number of value added services, including claims advocacy, transportation control risk management, risk control inspections, property valuations, MSA reviews, alternative risk transfer audits & captive feasibility studies and loss control procedure reviews.

The advantage to our E&P and oilfield service clients is that you will be dealing with individuals who understand your business, do not require the typical learning curve, and are comfortable with the wide range of alternative risk financing mechanisms – be that retention, transfer, insurance or other alternative models.

Whether you operate only in Alberta or Western Canada, expanded into USA or globally - be it Russia, Middle East, Africa, South America, Australia, or Europe – we have the expertise and solutions. We take a sector focus and client centric approach to providing the insurance and risk management solutions for our local and international clients, which include:

Well Servicing Contractors - including fracing, cementing, stimulation, production testing, stickline, perforating, logging, hot oilers, swabbing, vac/mud, well site construction, etc.;
Seismic companies;
Drilling Contractors and Drilling Consultants;
Health, Safety and Fire Protection Contractors;
Pipeline and Facilities Contractors;
E&P companies (junior and mid-size);
Land Survey Contractors;
Oilfield Equipment Manufacturers, Rentals and Distributors and Transportation.

In today’s complicated business world it is necessary to understand industry issues and challenges to add the value that businesses look for from strategic partners and to enable them to focus on growing their companies.

Privacy Policy

Our Commitment to Your Privacy

Lloyd Sadd Insurance is committed to delivering excellent service. When doing business with a property and casualty insurance broker, you must provide information about yourself. As your trusted broker, one of our main priorities is to help you protect your personal information.

Our brokerage and the insurance industry both have a solid track record of respecting your right to privacy and safeguarding your personal information. As a result of new privacy legislation, we are strengthening our privacy commitment in an effort to keep you better informed and well-protected against identity fraud. Our policy details why and how we collect, use, disclose, and protect your personal information in a manner that a reasonable person would consider appropriate under the circumstances.

Why do we collect personal information?

When you first become a client, or whenever you acquire or renew a product from us, we collect personal information from you. Your information is collected for the following common purposes:

To acquire or renew an insurance policy for you
To assist you and assess your ongoing needs for insurance
To assess your need for other products (e.g., financial products)
To ensure your information is accurate and up-to-date
To protect you against error and/or fraud

What personal information do we collect?

Personal information is information that identifies you as an individual. Depending on the purpose(s) for which we need to collect it, we may ask for the following personal information from you:

Basic information (e.g., your name, address, contact numbers, marital status)
Claims history
Credit and past payment records
Driver's record
Details about your property (e.g., value of your home and contents)
Medical information (e.g., any condition that may affect the operation of a vehicle)
Employment information

We may obtain this information from:

You
Insurance companies
Other insurance brokers or agents
Credit organizations
Motor vehicle and driver licensing authorities
Financial institutions
Medical professionals

Who do we disclose personal information to?

For many of the purposes identified above, we need to share your personal information with others in order to serve your needs. These other parties can include the following:

Insurance companies
Other insurance brokers or agents
Credit organizations
Professionals working with us (e.g., adjusters or lawyers)
Financial institutions (e.g., organization that carries your mortgage)

How do we protect your personal information?

In order to protect your personal information and right to privacy, we will:

Not collect, use, or disclose your personal information for any purpose other than those that we identify to you, unless required by law
Keep your personal information only for as long as we need it to fulfill the stated purpose or as required by law
Maintain your personal information in an accurate, complete, and up-to-date manner
Safeguard your personal information to the best of our ability
Respond to any request you may make to access or correct your personal information
Obtain appropriate consent for the collection, use, or disclosure of your personal information

How do you provide us with your consent?

We accept any of the following as your consent for Lloyd Sadd Insurance use, future collection and disclosure of your personal information for the following identified purposes:

Your receipt of this personal information policy, unless you advise Lloyd Sadd Group, either orally or in writing, that you do not agree with the terms stated in this policy, and that you wish to opt out of all or portions of it
Your unrestricted provision of information to Lloyd Sadd Insurance, either orally or through written communication
Your express written or oral consent as obtained through an application or other process
Your consent as provided by your authorized representative, such as a legal guardian or power of attorney

There are also legal exceptions in which we will not need to obtain your consent or explain the purposes for the collection, use, or disclosure of your personal information. For example, this could apply when there is an emergency situation, or if it is necessary for your protection or ours.

You can control how we handle your personal information.

We want you to know that you do have choices in the matter. You could refuse to allow us to obtain, use, or share your personal information or you could also withdraw a previously given consent at any time. However, by doing that, depending on the situation, you may be limiting or even preventing our ability to provide you with the product or service you desire. For example, if you do not allow us to obtain information about your driving record, it is unlikely that we will be able to provide you with auto insurance.

We will be happy to discuss particular situations with you to help you with your decision.

Contact Information and Resources

Please contact our Privacy Officer at the address below if you:

Wish to access your personal information
Wish to change your consent to the ways in which we may collect, use, or disclose your personal information
Have a complaint about our privacy policies or the manner in which we handled your personal information
Have any other questions about our privacy policies, wish to obtain a copy of our Personal Information Policy & Procedure Handbook, or wish to request additional information

As part of our ongoing commitment to provide you with the highest level of service possible, we will listen and respond to you promptly, and we will do our utmost to resolve your concerns. To find out more about provincial privacy laws, please contact the Office of the Privacy Commissioner at (780) 422-6860 or visit their website at .(JavaScript must be enabled to view this email address).

Lloyd Sadd Group of Companies
17413-107 Avenue
Edmonton, AB T5S 1E5

Lloyd Sadd Insurance includes Lloyd Sadd Insurance Brokers Ltd., Lloyd Sadd Personal Insurance Ltd., and Lloyd Sadd Bonding

Privacy Officer:

Ryan Wardell, CMA, Controller
Phone: (780) 483-4544
Fax: (780) 484-5727

Contact Us

"Another value add to customers of Lloyd Sadd is their annual Construction Seminar. Prior to my first Seminar, I was not really looking forward to a day of Insurance presentations. I was pleasantly surprised that I found the day extremely informative and interesting, and I haven't missed one since."

- C. Brent Layden, President, Layser Earth Works Inc.

“Based on their proven performance, we would not hesitate to recommend the services of Lloyd Sadd.”

- Todd Grundy, Vice President, Arpi's North Inc.

- Rowena Dixon, Sunfresh Farms Ltd.

"Yearly reviews ensure that we remain proactive about our coverage. I know our customized insurance policy will always meet our needs. Over the years the relationship has grown and has always remained friendly and fun, as well as professional and responsive. They keep their customers' best interests at heart and treat their clients like humans, rather than transactions."

- Mike Yasinski, Owner, Gateway Entertainment

- Darrell Stang, President, Nason Contracting

“This is a relationship that has been very beneficial to Keller and one that we value to same degree as our legal and accounting firms. These are all important business partners to Keller – they help us grow successfully.”

- John Cameron, President, Keller Construction

"Insurance is vital to my business, and I look for our insurance broker to be a ‘strategic business partner’, no different than our law or accounting firm. That vision I believe, is one that is shared by Lloyd Sadd. They continually tell me that their goal is to "understand my business, and help me become a better organization," and for that reason, I trust my services to Lloyd Sadd."

- Chris Lachance, President, Century Hospitality Group

"Since we have switched over to Lloyd Sadd, the value add that they provide has been an extra benefit. We continually have Lloyd Sadd review contracts before we enter into them to make sure that we are in compliance with the insurance clauses and to see if they have any concerns with the owner's insurance requirement."

- C. Brent Layden, President, Layser Earth Works Inc.

"I would like to express my extreme satisfaction in the customer service and management of our account with Lloyd Sadd Insurance. We are new customers who have been welcomed with open arms into the Lloyd Sadd family. We would recommend others to Lloyd Sadd for their professional and courteous service."

- Laura Doroshenko, Safety Supervisor, Cunningham Transport (1986) Ltd.

“Lloyd Sadd not only eliminates the complexities behind insurance and bonding, but they find ways to help clients like Dawson Wallace reduce their insurance costs. In Dawson Wallace’s particular case, Lloyd Sadd has provided consulting services beyond expectation.”

- Wayne Wallace, President, Dawson Wallace

Site Map

Professional Services

At Lloyd Sadd Insurance, our insurance programs for architects, engineers and other professional services deliver broad and responsive coverage that can be tailored to individual client needs. We have the capacity to provide coverage for operations throughout most parts of the world and will combine a client's locally admitted and global insurance programs to prevent gaps in coverage.

Key coverage available in the following areas:

Extra and expediting expense (helps pay for operating costs following loss, damage, or breakdown)
Contingent business income insurance (protects against loss if a client's key suppliers or customers cannot operate due to a property loss)
Transit insurance (covers repairs to equipment damaged while being transported)
Loss to physical assets
Environmental liability (covers incidental property damage and clean-up costs, Lloyd Sadd Insurance offers both first- and third-party coverage)
Forest fire fighting expenses
Automatic liability coverage for new operations

Key services available:

Contract analysis
Loss cost funding strategies and retention assessments
Total cost of risk and coverage gap audits
Loss prevention and control services
Partnerships with dedicated, A-rated insurers

Alternative Risk Management

Lower insurance costs are an advantage that every business owner understands. Alternative risk financing is the self-assumption of risk, combined with insurance, to finance an organization's property and liability losses. It is a formal program for managing and paying for an organization's losses usually for a defined period.

Lloyd Sadd Insurance has extensive experience in structuring risk financing mechanisms and after listening to clients to find out their needs in this category, we have focused our expertise in the following areas:

High retention programs

Reciprocals
Shared risk mechanisms
Captives

In developing risk financing solutions, Lloyd Sadd Insurance delivers the following:

Deductible optimization studies
Risk retention analysis
Actuarial analysis
Cost of risk allocations
Program design

Transportation Risk Management

Lloyd Sadd Transportation Risk Management is committed to making those fleet organizations whom we partner with better operations by providing tailored transportation risk management solutions. We have an in-house fleet safety expert, Brian Lowes, who brings with him over 30 years of experience in the transportation industry.

Through knowledge, qualification, and experience, we understand that each fleet operation is unique. Whether a commercial trucking fleet or an organization operating vehicles as a secondary function of the job description, both are accountable for safety, compliance, and due diligence efforts. Lloyd Sadd Transportation Risk Management Services is capable and available to assist in any area where concern has been identified.

Transportation Safety & Loss Control Training Programs

Our Transportation Risk Management Program is available to provide training to employees, supervisors, and managers individually or as a group. This is provided in a manner where the individual or group will understand what is required, why it is required, and how to effectively satisfy the requirement. This training may be applied to a single operation or a multi-business and diverse operating organization.

We assist managers and supervisors to identify and implement effective methods of interaction to achieve both departmental and company defined goals. Progressively, managers and supervisors become able to apply the principles of the program effectively and without assistance.

Other services available through our program are:

Carrier Profile Review and Analysis
Safety & Loss Control Training Programs
Loss History Trending Analysis
Fleet Risk Analysis
Collision Reconstruction and Investigation

Errors & Omissions

Improved levels of education, training, and experience have led the courts and the public to expect higher levels of service than ever before. This has increased the number of claims against professionals providing service to a third party.

You may be sued for failure to perform your professional services to the degree of skill expected. A professional errors and omissions policy insures you against damages from your acts, errors, or omissions in rendering professional services. Even if the allegations are false you still may have to defend yourself and your reputation.

For an action to succeed, there must be a duty of care owed to the claimant by the professional. It is the breach to that duty leading to loss or damage, which can expose the professional to financial liability.

Lloyd Sadd Insurance's Errors and Omissions Insurance offers protection from these types of claims by covering your professional personal assets and helping to maintain your reputation against allegations of wrongdoing which may be frivolous or false.

Directors and Officers

Lawsuits against directors and officers of privately held companies are on the rise. Even the most progressive and conservative organizations are finding themselves vulnerable to an unprecedented number of suits. For this reason, Lloyd Sadd Insurance offers a wide array of Directors and Officers insurance coverage to private and public companies, as well as non-profit organizations. Because our client base consists predominantly of mid-sized, privately held companies, we have developed significant expertise in this area.

Our Directors and Officers Liability Insurance covers your company's directors and officers from liability claims arising from judgment errors, breaches of duty, and wrongful acts related to their organizational activities. Generally, coverage will exclude intentional and dishonest acts and bodily injury and property damage allegations.

Lloyd Sadd Insurance provides integrated insurance policies that address four distinct concerns for mid-size companies:

Directors and Officers liability
Outside Directorship liability
Employment liability
Fiduciary liability

Risk Management

Risk management is a systematic, proactive approach to assessing risks that could affect a company's bottom line. Most companies deal with unpredictable risks by choosing to insure or not to insure, depending on how they perceive the risk compared to the premium.

Often insurance tends to be overused because of the lack of a sound risk management program. At Lloyd Sadd Insurance, we help clients design a thorough risk management program that reduces overall cost and assesses security, accident prevention, economics or law, and legal liability from acts of the company and its employees.

Our program covers the following:

Identification
Analysis
Treatment
Monitor and refine

When clients give us a chance to listen and think about their needs, we deliver risk management consulting services that are beyond expectation.

Credit Insurance

More and more companies are seeking credit insurance as the business landscape they operate in evolves and changes. Businesses must take proper steps to protect themselves against their customers' potential inability to pay debts. Lloyd Sadd Insurance offers credit insurance solutions that are tailored to protect a company and its overall health from this unexpected type of risk.

With Lloyd Sadd Insurance's credit insurance, clients can get paid if an account becomes insolvent, depending on their policy limits and deductible. Consider credit insurance coverage as "health insurance for your business". It guarantees that your company will "stay well" by ensuring that you get paid for the merchandise you ship or services you render. It adds up to more opportunity for clients to grow profitably. In today's tough economic environment, protecting your company's accounts receivable is vital to long-term success.

Benefits to using Lloyd Sadd Insurance's credit insurance policy include the following:

Reimbursement for bad debt losses
Potential sales increase by allowing for larger credit lines to good risk customers
Potential to receive better financing from your banks
Additional credit information resource (professional collection staff can help collect past due accounts)
Guaranteed profit margins
Management and control of accounts receivable

Our policy structure features the following:

Annual policy with flexible coverage options
Annual premium based on desired credit limit
Worldwide coverage of domestic and export receivables

Loss Control Services

Companies face a variety of risks that could impact operations. As your trusted advisor, we meet with you to listen and review your existing loss control program, determine the gaps, and then deliver a comprehensive loss control plan that outlines the services to be provided.

Lloyd Sadd Insurance's loss control services are defined by the following process:

Completion of comprehensive site inspections and detailed design review of major facilities to identify hazards (this reduces severity and frequency of losses)
Identification of exposures that have the potential to cause interruption of production or revenue, create additional expenses, or cause third-party injury
Observation of operations from a loss prevention perspective, evaluation of risk control programs and site protective systems
Negotiation with insurer's loss control personnel (to avoid unnecessary loss prevention requirements)
Prioritization of recommendations
Analysis of loss histories and incident investigations, suggestions for corrective actions (to prevent future occurrences)
Daily technical support on risk identification and control issues

Disaster Planning

Tornadoes. Fires. Snowstorms. Sabotage. These are just a few examples of disasters that can impact your ability to do business. Planning for the unexpected will help your business minimize a disaster's effects.

Disaster plans can help clients achieve the following:

Ensure the survival of your organization
Protect your assets
Minimize the loss of customers
Help you resume operations

We can refer you to a team of professionals who can counsel you through a disaster planning process unique to your business.

Contract Analysis

All businesses are, to some degree, governed by the terms and conditions of contracts and agreements. At Lloyd Sadd Insurance, we can analyze these legal documents, offer suggestions for amendments to reduce risks where appropriate, and provide the insurance options required to meet the contract conditions and risks assumed.

These legal documents can be a primary source of exposure to loss. Clients can trust us to carefully examine them from an insurance and risk management point of view. For instance, most documents contain indemnity agreements, which tend to govern the responsibility for loss regardless of negligence. Many contain specific insurance provisions, which dictate the insurance to be carried by each party.

Let Lloyd Sadd Insurance's experts listen and assist you through this often overwhelming and sometimes complex analysis.

Contracts between the insured and any third party may be outside the scope of insurance; the insured is not necessarily covered for additional exposures assumed under contract with a third party. In order for a Lloyd Sadd Insurance review to be useful, the following sections of the contract might be reviewed:

The insurance clause or clauses
The indemnity clause or clauses
The waivers of subrogation/hold-harmless agreements
Any other clause material to transfer risk between parties to the contract

We can then make suggestions to improve the contracts before you sign them.

Claims Management

Lloyd Sadd Insurance focuses on delivering complete full-service claims management and advocacy services from the initial loss incident report through to final resolution. At Lloyd Sadd Insurance, we believe claim advocacy enhances communication and helps our clients remain better informed on updates and issues as they develop during a claim.

Our claims team acts exclusively on your behalf, coordinating and selecting actions and disposition strategies that will shorten claim-handling timelines and influence the satisfactory resolution of claims. We stay actively involved throughout the claims process to help you reduce the additional financial and legal costs arising from your loss incident, save time, and minimize the interruptions, as well as the cost of risk, to your business.

Our claims management and advocacy services can include, but are not limited to, the following:

Act as your consultant and claims advocate
Provide timely loss incident reporting
Monitor claim investigation and liability assessment
Conduct incident analysis (review of client coverage to ensure incident falls within parameters of client's insurance program)
Establish claim reporting and update protocols (to better meet client expectations)
Notify the insurer to ensure compliance with the appropriate policy-claim reporting requirements
Monitor claim progress to reduce time and costs related directly to losses
Manage claims vendors, including their selection and service performance evaluation
Actively participate in settlement negotiations with insurers and adjusters as needed
Obtain agreement between all parties and disburse settlement funds as appropriate
Follow up on claim to ensure a prompt and equitable settlement

Transportation

By amalgamating our transportation, risk management and insurance experience, Lloyd Sadd Insurance has the capacity and expertise to deliver customized solutions to meet a transportation client's risk management needs. Ultimately, our goal is to help clients safely keep their vehicles on the road so their business can keep moving forward.

Following are services delivered by Lloyd Sadd Insurance that lower a transportation client's overall cost of risk:

Risk Management

Understand your business
Contractual analysis and review
Accident and incident review and analysis

Loss Prevention and Risk Control

Determination of loss exposures
Auto fleet and equipment loss prevention programs
Ongoing education, loss prevention, and safety initiatives

Insurance Placement

Understand your operations
Coverage analysis and recommendations
Competitive pricing
Client Service Plan based on your requirements
Mid-year review of schedule and coverage
Same-day issuance of Certificate of Insurance

Lloyd Sadd Insurance's team of transportation insurance experts delivers the right combination of knowledge and experience to help clients manage their risks and get where they need to go as smoothly as possible. We listen to clients and think about their specific needs to develop appropriate client service timelines and coverage structures they can count on—every time.

Technology

In today's high-tech world, products and services change as rapidly as technology evolves. Keeping up with these changes can be overwhelming and time-consuming. As your insurance advisor, we ensure our market information is current and remains on top of technological trends which affect our clients' business.

Whether you are an emerging company or an established multinational firm, Lloyd Sadd Insurance makes it a priority to understand your business and the way it operates in context with technology. Lloyd Sadd Insurance's Science and Technology practice is a group of insurance professionals working exclusively with science and technology clients to think up unique and dynamic solutions for their insurance needs so clients can stay focused on growing their business.

In conjunction with Canada's premier insurers, we deliver the following superior technology-oriented insurance products:

E-risk
Technology errors and omissions
Intellectual property
Directors and Officers liability
Credit insurance and World Wide coverage
Full range of risk management solutions

We are also active members and sponsors of:

Public Entity

Lloyd Sadd Insurance understands the issues that surround risk management in the public sector, with unparalleled expertise in school boards, charter schools and private schools. To make sound decisions about loss control and risk financing, a company must often balance the conflicting objectives of maintaining a desirable risk tolerance and meeting obligations to provide services.

In addition, companies must work within limited budgets and sometimes under political scrutiny. Effectively managing risk in the public sector can be accomplished with the assistance of a competent broker who listens, thinks, and delivers based on the distinct exposures faced by public entities. Let our team work with you to develop a program that best suits your needs.

We offer clients complete brokerage management for their insurance and risk management needs.

As part of the risk management process, we assist with the following:

Identification of loss exposures
Analysis of identified exposures to loss
Examination of risk management alternatives
Selection of risk management alternatives
Implementation of chosen risk management techniques
Monitoring risk management program to ensure needs are met

Our public entity insurance services include the following:

Insurance program marketing and placement which ensure the most favorable terms, conditions, and pricing
Claims management that assists clients in loss-reduction efforts (either self-administered claims or claims administered by an insurer or third-party administrator)
Loss control (to help reduce the frequency of losses)

Property Management & Real Estate

Lloyd Sadd delivers property managers in this industry a competitive advantage with our master policy approach that incorporates superior coverage at highly competitive cost. This gives property managers a competitive edge when they market their services to existing and prospective property owners. Having accumulated over 30 years of expertise in the property management industry, Lloyd Sadd is proud to offer our clients valuable knowledge and creative solutions.

Our key services include the following:

Portfolio analysis and risk profiles
Loss cost funding strategies and retention assessments
Total cost of risk and coverage gap audits
Loss prevention and control services
Partnerships with dedicated A-rated insurers

Nursery & Landscaping

Lloyd Sadd's Landscaper and Nursery program was developed to provide coverage to companies operating in the horticultural industry (e.g., landscaping contractors, grounds maintenance, and suppliers).

Highlights of the program include, but are not limited to, the following:

Discounted rate on contractors equipment (e.g., bobcats, skid steers, tractors)
Pollution coverage for application of pesticides and/or herbicides
Competitive auto rates for fleets over four vehicles (seasonal lay-up discounts are also available)
Coverage for snow removal

Not-for-Profit

Lloyd Sadd Insurance recognizes that to best assist not-for-profit organizations, we must deliver broader coverage at competitive pricing. We have successfully partnered with several A-rated insurers who support our work in this vital yet often misunderstood sector.

Many not-for-profit clients choose to work with us because we are sensitive to the fact that every dollar is earmarked for additional services, not underinsured losses. We also make it a point to think about, analyze, and truly understand risks and exposures specific to clients in this industry.

Key coverage in this area includes, but is not limited to, the following:

Replacement cost on all property
Business interruption including extra expense
Machinery breakdown
Employee dishonesty/depositors forgery
Abuse liability
Malpractice liability
Directors and Officers liability
Passenger Hazard Liability - automobile-specific
Umbrella liability

Key services include, but are not limited to, the following:

Contract analysis
Total cost of risk and coverage gap analysis
Loss prevention and control services
Partnership with dedicated A-rated insurers
Regular communication to review program expansion

Medical Malpractice

Lloyd Sadd Insurance's team has accumulated over 10 years of specialty malpractice insurance underwriting expertise, and we are endorsed by the U.S. Specialty Medical Clinics Group. With extensive experience in "hard to place" classes, we have become the leading broker for a U.S. Specialty Medical Malpractice line.

Medical professionals and health care organizations face significant liabilities as a result of their activities. Medical Professional Liability coverage is designed to provide protection for a health care provider or health care organization against claims alleging negligence in providing medical care, advice, and other services.

Policies are designed to respond to the coverage needs of the specific type of organization or provider. Historically, the need for medical professional liability coverage has been associated with physicians, nurses, hospitals, and other similar types of individuals and organizations. Today, any organization involved in the health care process risks some level of exposure. This includes managed care organizations and individuals such as medical technicians and therapists.

Let Lloyd Sadd Insurance's team of medical malpractice insurance specialists help you develop a custom coverage program that suits your unique needs—no matter how complex they are.

Manufacturing

Our manufacturing and distribution practice has advanced over the past 20 years through experience, dedication and partnerships with key industry associations. We take a sector specific approach to ensure you will be dealing with experts who understand the integrated supply chain of your business and the risks involved at each stage, so when it comes to product exposures we can manage your risk from primary producer to consumer.

Lloyd Sadd now has over 100 manufacturing and distribution clients throughout Alberta, many of which operate across Canada and the US. We have invested in resources to understand manufacturers’ and distributers’ business challenges, uncover hidden risks, prevent losses, manage claim costs and ultimately improve our clients’ bottom line. Our goal as your strategic partner is to provide expert counsel and advice to help your business become more successful.

Some of our manufacturing insurance solutions include:

Supply-chain risk management
Mergers & Acquisitions risk analysis
Contract review protocols
Product-recall expense coverage
U.S. and foreign operations or sales coverage
Environmental exposure analysis

Hospitality

Lloyd Sadd is one of the largest Hospitality Brokers in Western Canada. Our clients represent leaders in the restaurant, bar/nightclub and hotel industries.

We have built strong relationships with Insurers with proven records in Hospitality. Our industry experts understand the subtle differences in policy wordings that can make the difference in a claim situation and can review contracts and lease agreements to ensure our clients are protected. We are committed to helping our clients operate safely and prevent losses through risk management services. In addition, we have in-house claims resources to advocate on our clients’ behalf when claims become challenging. Most importantly, we understand hospitality and we have the resources to help our glients grow their business!

Construction

Lloyd Sadd Insurance addresses the standard and unique challenges faced by clients operating in the construction industry and delivers insurance solutions tailored to the unique aspects of our clients' projects.

Working with contractors, as well as project owners, we focus on developing comprehensive solutions, including high-calibre risk engineering and claims services, to keep your risk management costs under control. Our coverage options are broad and range from general builders' risk to environmental liability. As a result of our collective expertise and knowledge, we can cover every phase of a project from design through to construction.

Some of our standard coverage options include the following:

Contractors' liability
Developers' liability
Builders' risk
Environmental contractors
Environmental site coverage

Food Processors

Lloyd Sadd Insurance is an active member and the endorsed broker of the Alberta Food Processors Association (AFPA). Our specialty insurance program for food processors includes coverage of risks associated specifically with the food industry. When you need specialized insurance coverage unique to this industry, trust Lloyd Sadd Insurance to be your expert insurance advisor.

Lloyd Sadd Insurance delivers customized coverage in the following areas:

Product recall contamination
Infestation
Consequential
Production/Equipment breakdown
Business interruption and contingency

Auto Dealerships

As your number one broker for Northern Alberta automobile dealerships for the last 15 years, Lloyd Sadd Insurance does more than just listen. We think about solutions which best meet those needs, and then deliver them. At Lloyd Sadd, we are proud to have helped thousands of dealers minimize their operating risks, lower their claims, and reduce their insurance and ancillary costs.

We represent the number one car dealer insurance program in Canada and hold a current membership with the Alberta Motor Dealers Association. Using our collective industry knowledge, we can help you find customized solutions to your dealership insurance needs—efficiently and quickly.

Ambulance

Lloyd Sadd Insurance delivers complete and comprehensive coverage when it comes to the ambulance industry. In order to address the growing need for private operators to have a stable insurance product that was representative of operators within the insurance marketplace, we became associated with the ambulance operators. The operators are an association of professionals providing a valuable medical service that, historically, was not formally recognized by the insurance market industry. At Lloyd Sadd Insurance, we listened to our clients in this sector and realized that they needed more complete coverage that previously was not available.

Examples of our additional coverage options include:

Replacement cost options on ambulance conversion (relieves independent operator's economic costs following a total loss)
Combination coverage packages (eg., automobile, property, medical supplies, general liability, and malpractice under one package with a single aggregate deductible)

Besides delivering complete coverage, Lloyd Sadd continues to be well-connected in this industry, having been a Tier Three Corporate Member in good standing since 1993.

Careers

Are you a good listener? Do you think about a problem from all angles? Do you get satisfaction from delivering high-quality services and helping others find real solutions? If you answered YES to the above and want a challenging career where you can apply your innovative knowledge, then consider a future with Lloyd Sadd Insurance.

Our team is looking for professional, career-minded individuals like you to contribute to our ability to deliver unsurpassed expert advice and service. Since 1941, Lloyd Sadd Insurance has been experiencing continued and substantive growth. Our reputation in the industry is a direct result of us attracting exceptional talent and building a dynamic team. Today, we employ over 90 dedicated insurance professionals and are one of the largest independently owned insurance brokerages in Alberta.

Employees benefit from professional development opportunities which include progressive responsibilities, recognition for effort, and rewards based on results. We offer careers in the areas of accounting, customer service, human resources, information technology, marketing, risk management, and sales.

If you think you have the right skills to listen to client needs and deliver exceptional services, please email, mail, or drop off your resume today.

Lloyd Sadd Insurance Brokers Ltd.
17413 - 107 Avenue
Edmonton, Alberta
T5S 1E5

Potential opportunities are available in the following positions:

Systems Analyst/Administrator - posted December 16, 2011

Lloyd Sadd Insurance Brokers

Lloyd Sadd combines three generations of experience with leading-edge products to provide exceptional service and value to our customers.

We focus on one fundamental premise – we invest time to understand your business, reducing your total cost of risk, helping you build a better organization.

Using this simple but effective approach, we have established ourselves as a reputable, customer-oriented insurance advisor, attracting clients who possess the same entrepreneurial attributes that have made Lloyd Sadd Insurance such a success story.

Disclosures

At Lloyd Sadd Insurance, we listen, we think, and we deliver. We take the time to understand your business, reducing your total cost of risk and helping you build a better organization. We are a commercial insurance broker specializing in key sectors such as construction, hospitality, public entity, manufacturing, not-for-profit, transportation and realty.

Our company is 100% owned by its employees. Over 100 staff members develop long-term relationships with their clients, providing advice, competitive rates, and proactive, customized solutions for your insurance needs.

As a brokerage, Lloyd Sadd can provide you with a wide variety of services to meet your insurance needs because of the insurance companies we represent. With access to fifty insurers in our practice, we canvas the market for the right combination of insurance features to make sure our clients are getting the best coverage and price possible. In the list below we have provided you with some of the insurers we represent, including the range of compensation each one provides as a percentage of your overall premium.

When it is in your best interest, we place risk in specialty markets, which typically provide lower compensation rates than contracted insurers. In the cases where a fee is charged in lieu of or in addition to commission, the breakdown of numbers is always disclosed.

Some insurers under contract recognize our efforts through Contingent Commission contracts. Payment of these contracts depends on profitability (loss ratio) and/or growth (usually over a number of years) and/or increased services that we provide on behalf of the insurer. When there are large losses, it can disqualify Lloyd Sadd from receiving a contingent profit payment for one or more years. For detailed information about Contingent Commission, please go to the individual insurance websites.

The chart below provides typical broker compensation for some of the insurers we represent. For any additional information or inquiries about compensation, insurance brokerage services, and Lloyd Sadd’s insurance contracts, do not hesitate to contact your account executive.

Commercial Insurance

Insurer	Contingent Agreement	Commercial Auto	Commercial Property	Commercial Liability
Aviva Canada	Y	7.5% to 12.5%	20%	15%
Chubb Insurance Company	Y	N/A	20%	15% to 20%
Dominion of Canada Insurance Company	Y	7.5% to 12.5%	20%	15% to 20%
Intact Insurance Company	Y	7.5% to 12.5%	20%	15% to 20%
Northbridge Insurance Company	Y	7.5% to 12.5%	20%	15% to 20%
RSA Insurance Company	Y	7.5% to 12.5%	20%	15% to 20%
Sovereign General Insurance Company	Y	7.5% to 12.5%	20%	15% to 20%
Travelers Insurance Company	Y	7.5% to 12.5%	20%	15% to 20%
Zurich Insurance Company	Y	7.5% to 12.5%	20%	15% to 20%

Surety/Bonding

Insurer	Contingent Agreement	Commercial Auto	Commercial Surety
Aviva Canada	Y	N/A	25%
Guarantee Company of North America	Y	N/A	27.5%
Sovereign General Insurance Company	Y	N/A	25%
Trisura Guarantee Insurance Company	Y	N/A	27.5%
Western Surety	Y	N/A	30%

Personal Insurance

Insurer	Contingent Agreement	Auto	Property	Personal Liability
Aviva Insurance Company	Y	7.5% to 12.5%	20%	15%to 20%
Chubb Insurance Company	Y	N/A	15%to 20%	15%to 20%
Guarantee Company of North America	Y	10% to 12.5%	25%	20%
Intact Insurance Company	Y	7.5% to 12.5%	20%	15%to 20%
Jevco Insurance Company	Y	15%	N/A	N/A

Upcoming Events

8th Annual Lloyd Sadd Construction Conference | Thursday, April 26, 2012

Lloyd Sadd School Risk Management Conference | Wednesday, May 30, 2012

Community Involvement

Lloyd Sadd Insurance is proud to deliver support to numerous initiatives in the community. We organize internal events such as our summer barbecue series and casual dress Fridays to raise money for local charities. We also support non-profit organizations through donations and event participation. The organizations we have chosen to support include the following:

Lloyd Sadd Habitat for Humanity Edmonton Adopt-a-Day Build (Video Clip)

• Alberta Cancer Board

• Bosco Homes

• Boys & Girls Clubs of Alberta

• Canadian Cancer Society

• Caritas Hospital Foundation

• E4C

• Edmonton Food Bank

• Edmonton SPCA

• Firefighters Burn Centre

• Habitat for Humanity

• Hope Mission

• Kid's Kottage

• Mazankowski Heart Foundation

• The Rainbow Society

• Stollery Hospital Foundation

• Strathcona Shelter Society

• The Support Network

• University of Alberta Hospital Foundation

• WIN House

• Yellowhead Tribal Services Agency

• Youth Emergency Shelter

In The News

Food Safe, Canadian Insurance Top Broker Magazine - December 2011

Canadian Connections, Canadian Insurance Top Broker Magazine - September 2011

Marshall Sadd Nominated for 2011 E&Y Entrepreneur of the Year

Lloyd Sadd Opens Calgary Office - March 2011

Locations

Lloyd Sadd Insurance wants to be your trusted advisor who listens, thinks, and delivers customized services. Please contact us to discuss your commercial insurance needs.

General Email: .(JavaScript must be enabled to view this email address)

Edmonton

Lloyd Sadd Insurance Brokers Ltd.
17413-107 Avenue
Edmonton, Alberta
T5S 1E5

Phone: 780.483.4544
Fax: 780.484.5727
Toll Free: 1.800.665.5243

Grande Prairie

Lloyd Sadd Insurance Brokers (Grande Prairie) Ltd.
2nd Floor, Richmond Centre
103, 8715 109 Street
Grande Prairie, Alberta
T8V 8H7

Phone: 780.539.3628
Fax: 780.539.6727
Toll Free: 1.877.310.2288

Calgary

Lloyd Sadd Insurance Brokers (Calgary) Ltd.
1531, Sun Life North 140, 4th Ave SW
Calgary, Alberta
T2P 3N3

Phone: 403.444.0950
Fax: 403.444.0956
Toll Free: 1.866.845.8330

View Our People to contact specific individuals.

Risk Services

Our goal is to achieve long-term relationships focused on bringing value to your risk management and insurance programs. We commit to utilizing our collective talents and resources to support your risk management and insurance goals.

We will deliver to you the highest quality risk service programs and strategic planning consultation services in a manner that is most suitable to achieving your business goals.

For more detail on our risk services, click on the tabs to the left.

Personal Insurance

Personal Insurance

Lloyd Sadd Insurance's team of highly educated and professional agents listens to your concerns, understands your needs, and delivers custom solutions for even the most complex insurance situations. As your trusted advisors, we will help you manage your risk and ensure you are protected with the right level of coverage. Just pick up the phone and call us. We'll do the rest.

Lloyd Sadd Insurance offers a range of personal insurance products which include, but are not limited to, the following:

Home and automobile insurance
Coverage for recreational vehicles
Travel insurance

VIP Personal Insurance

Lloyd Sadd Insurance's VIP team is dedicated to helping our corporate clients achieve long-term goals and delivering personal insurance solutions that are well-matched to their unique situations. As your trusted advisors, we focus on building stable, permanent relationships with you. In addition to delivering customized solutions, we also take steps to customize each relationship and match you with a staff member who oversees your needs during the entire time that you require our services. This commitment fosters consistency, accountability, and trust within all of our client relationships.

Our strategies address the needs and exposures facing you as you lead your company's business forward. We approach your insurance needs objectively and offer our collective expertise in this area, working with you to determine the best protection of your assets. When you require someone to listen, think, and deliver a complete package, turn to our VIP experts for support that exceeds all expectation.

Bonding

Lloyd Sadd Insurance customizes programs that will meet the needs of today's contractor and have the flexibility to handle tomorrow's challenges and opportunities. We have access to virtually every major bonding market in Canada, allowing us to match our contractor clients to the right surety company.

We constantly listen to and communicate with our clients to ensure that, as they grow, the potential for more flexible bonding is evaluated. Our proactive specialized approach to bonding enables us to manage client bonding requirements with confidence and build peace of mind with every transaction.

The bonding facilities we offer include the following:

Bid bonds, consent of surety, pre-qualification letters
Performance bonds
Labour and material payment bonds
Maintenance bonds
Lien bonds
Miscellaneous bonds (e.g., license bonds, guardianship, lost documents, permit)
Specialized surety products for builders and developers
Bonds for small to large general contractors, subcontractors, and manufacturers

Commercial Insurance

At Lloyd Sadd Insurance, we realize that your challenges are unique and often very specific to the industry in which your company operates. Lloyd Sadd Insurance places great emphasis on understanding the intricacies of a growing number of commercial and industrial fields. By developing areas of industry specialization and thoroughly understanding how our clients' businesses work, we deliver superior solutions and peace of mind with insurance coverage that is tailored to YOUR business.

We offer well-managed risk coverage, consistently competitive rates, and tailored programs that help reduce risk, all of which are customized to your needs. Basically, we focus on delivering your company specialized industry expertise and building a relationship that will give you long-term benefits and protection.

Services

Trust Lloyd Sadd Insurance to deliver expert advice and unparalleled client services efficiently and when you need it most.

We work hard as your trusted advisors and insurance experts to provide you with complete, customized services beyond just contract analysis. Clients can take full advantage of our extensive services, which range from risk management consulting to claims management and loss control. Browse through our services and products to find out how we can help you achieve added value in your overall insurance coverage, or contact us today to discuss these services and products in more detail.

Our Philosophy

Our Consultative Broker philosophy is designed to deliver services to reduce costs in areas beyond insurance rates and premium. Our approach is to broaden the view and manage the Total Cost of Risk (TCOR) that an organization has, which has dramatic impact on results – again well beyond the incremental changes in a rate or premium. The impact on results has shown to improve the financial position of an organization, improve loss performance, add to the stability of operations and reduce costs.

Organizations can use our philosophy to provide a yardstick to assess how an organization’s risk-related costs are changing relative to key measures such as revenues, employee count, asset base, and growth. TCOR identifies the imbalances in their risk management approach and strives for cost-savings. Overall, TCOR encourages organizations to look at risk management on an integrated and strategic basis.

We have found that TCOR and the Consultative Broker platform is very well suited to organizations and insurance programs that have grown or wish to grow from conventional insurance to various degrees of self insurance. It helps organizations move from traditional insurance buying to a comprehensive risk management program.

History

Founded in 1941 and built solely on relationships, Lloyd Sadd Insurance is a multi-generational success story. We focus on one fundamental premise — understand your clients' business, and you'll understand their insurance needs. Due to this simple but effective approach, we have established ourselves as a reputable, customer-oriented insurance advisor, attracting clients who are leaders in Alberta industry and who possess the same entrepreneurial attributes that have made Lloyd Sadd Insurance such a success story.

Our People

Our People Content

Client Testimonials

“Thompson Bros. has worked with the team at Lloyd Sadd for over 30 years – a relationship fostered by trust, expertise and a shared vision for growth. To us they are not only insurance brokers or surety providers; they are construction risk management professionals that are truly interested in our business and always strive to get a better understanding of what it is that we do . Lloyd Sadd’s value added services, including their in-house claims advocate and transportation risk manager, have played a vital role in ensuring our organization is operating at its best capacity. We at Thompson Bros consider LS trusted advisors and friends. I would highly recommend the services of Lloyd Sadd’s construction team to any Alberta-based construction company.”

- Paul Sturt, CFO, Thompson Bros. (Const.) Group

- Wayne Wallace, President, Dawson Wallace

- Laura Doroshenko, Safety Supervisor, Cunningham Transport (1986) Ltd.

- C. Brent Layden, President, Layser Earth Works Inc.

- Chris Lachance, President, Century Hospitality Group

- John Cameron, President, Keller Construction

“Nason Contracting Group was previously insured by a national brokerage firm and we felt that a change was needed. Our experience with Lloyd Sadd has been an excellent one as they are very committed to our organization’s growth and success. They take an industry specialization approach and this has truly worked for us because their Construction Practice understands our construction issues. They have assisted us in a wide range of construction insurance and surety matters that have combined to make us a better organization. We now understand insurance and surety – where as in the past we did not.”

- Darrell Stang, President, Nason Contracting

- Mike Yasinski, Owner, Gateway Entertainment

"Too often in this world of "dog eat dog", companies promise "the Moon" but deliver only "Star Dust". I can tell you that if you are considering looking at a new Insurance Broker I HIGHLY RECOMMEND you speak to Mr. Horcica to enjoy the experience I and my team have encountered over the last year."

- Don Sroka, President & CEO, Smitty's Family Restaurants

“Over the past six years we’ve relied on Lloyd Sadd Insurance to help us develop and implement our risk management program in such a way that is proactive and cost efficient. Their fleet specialist, Brian Lowes, has been an invaluable asset in our program, reviewing and analyzing our fleet procedures and assisting us in creating an effective fleet safety manual. They understand the risks involved with our business, and this expertise is fundamental when reviewing contracts or giving us advice on new ventures. We expect and receive nothing but the best from our team at Lloyd Sadd, and we look forward to working with them for years to come.“

- Rowena Dixon, Sunfresh Farms Ltd.

“Based on their proven performance, we would not hesitate to recommend the services of Lloyd Sadd.”

- Todd Grundy, Vice President, Arpi's North Inc.

"Lloyd Sadd's people are proactive risk managers. They answer questions easily and thoroughly."

- Paul Keppler, CFO, Stahl Peterbilt

- Mervin Grzybowski, Vice President, DynaVenture Corp.

"During times of rapid change and growth, companies need to know their business partners are by their sides. The relationship between Champion Petfoods LP and Lloyd Sadd is just that - a business partnership. Their team takes the time to learn and understand our business needs and identify solutions that meet those needs. The responsiveness of the Lloyd Sadd team has enabled us to move forward quickly and confidently, knowing we could depend on their team of professionals to look after our insurance needs."

- Frank Burdzy, President & CEO, Champion Petfoods

- Renu Narang, Vice President, Alta Window Mfg. Inc.

About Us

Lloyd Sadd Insurance strives to be the trusted advisor who listens, thinks, and ultimately delivers. By listening to clients, we have learned to identify their specific risks. By thinking about risk, we have found ways to offer pricing stability and consistency, expert counsel, and unparalleled services. As one of the largest independent insurance brokerages in Alberta, we deliver commercial and personal insurance, as well as risk management services to a host of public, private, and non-profit organizations.

We Listen. Our sector specialization and service philosophy are the foundations from which we develop long-term relationships with our clients. Our staff teams of sector experts strive to understand you and your business and ensure our strategic risk advisory services address the industries in which you operate. As your advisors, we listen because it is what we do best.

We Think. Lloyd Sadd Insurance works with clients who have complex insurance and business needs. Our team of 90 staff members has the experience and talent to solve some of the most difficult insurance issues encountered by clients. We thrive on challenging, complex client engagements and provide clients with cost-saving and proactive solutions. Let our team think about your complicated insurance situations, so you can run your business.

We Deliver. Clients depend on Lloyd Sadd Insurance to provide professional advice and services. We ensure clients receive practical advice that reduces their total cost of risk and helps move their business forward. We offer added-value education components such as Construction and Liability seminars and introduce clients to their insurers as part of our commitment to being trusted advisors. At Lloyd Sadd Insurance, we deliver unparalleled expert advice and services at competitive rates when you need it most.

We Listen. We Think. We Deliver.