Terms and Conditions


Commercial automobile, property, and liability insurance policies are insured by Federated Insurance Company of Canada. Life and health insurance policies are insured by Western Life Assurance Company (not available in Quebec). Personal insurance policies are offered by The McLennan Group Insurance Inc. and insured by Zenith Insurance Company, Northbridge General Insurance Corporation or Northbridge Personal Insurance Corporation, depending on your province of residence (not available in Quebec). Legal expense insurance policies are insured by DAS Legal Protection Insurance Company Limited. Travel insurance policies are offered by CanAm Special Risk Insurance Agency Limited and insured by Northbridge General Insurance Corporation.


The services described on this website are not insurance policies and not all policies are eligible for the services. Legal Assist not provided for criminal, personal or insurance issues, do not provide representation in legal proceedings or legal fees coverage, and provided by Assistenza International, through lawyers licensed in your jurisdiction. Risk Assist provided by our Risk Services specialists and is intended to augment your internal safety, compliance and risk management practices, and is not a substitute for professional or legal advice. Trauma Assist provided by independent third-party professionals, long-term and specialized counseling not included. Cyber Assist provided by CyberScout, LLC, services are not included in any cyber extension or endorsements. Please contact us for more information.

Terms and Conditions of Use

Use of this website is subject to the following terms and conditions. Your use of the website constitutes acceptance of these terms and conditions. If you do not agree to these terms and conditions, do not access this website.


Federated Insurance Company of Canada and its affiliates, subsidiaries, directors, employees or agents (“Federated Insurance”) provide this website for informational purposes only. The content of this website has been compiled in good faith by Federated Insurance. However, all information is provided “as is” without any warranties of any kind and Federated Insurance assumes no responsibility to you or any third party for the consequences of any errors or omissions. This website could contain inaccuracies or typographical errors. Any user who accesses this website does so solely at his or her own risk. The content provided in this website may be changed at any time without notice. Changes may be made to the terms and conditions at any time without notice by updating this posting. You agree to review the terms and conditions regularly and your continued use or access of the website will mean that you agree to any changes.

Limitation of Liability

In no event will Federated Insurance be liable for any damages, including without limitation, direct or indirect, special, incidental, moral or consequential damages, loss of profits, opportunities or information or for expenses arising in connection with this website, with any software available on this website, with any hyperlinked website or for use thereof or inability to use by interruption, defect, delay in operation or transmission, computer virus or line or system failure, even if Federated Insurance is advised of the possibility of such damages, losses or expenses.

No Advice

This website is not intended to provide specific insurance or other advice for any individual or business entity and should not be relied on for such advice. Persons seeking insurance or other advice should contact a licensed professional, such as a Risk Services Coordinator, who can take their individual circumstances into account.

Information about Products and Services

The descriptions of the various products and services offered by Federated Insurance contained in this website are provided solely for general informational purposes. No offer is made or intended to be made on this website. The information and descriptions contained in this website are not intended to be complete descriptions of all terms, conditions and exclusions applicable to the products and services. In all cases, Federated Insurance products and services are governed by the terms, conditions and exclusions of the actual policy.

Federated Insurance products and services mentioned in this website are available only in Canada, in jurisdictions where they may be legally offered. Not all Federated Insurance products and services are necessarily available throughout Canada.

Third Party Links

Federated Insurance provides links to third party websites only as a convenience and does not control such websites and is therefore not responsible for the content of any such website. The inclusion of any link by Federated Insurance does not imply endorsement, investigation or verification by Federated Insurance of the linked website or the material contained therein. Your access and use of any third party websites, including the information, material, products and services contained therein are solely at your own risk.


All materials published, downloaded or otherwise hosted on this website, including, but not limited to, software, articles, text, information, reports, newsletters, data, web pages, HTML, scripts, code, Java, images, and all other content including the manner in which they appear or are displayed or presented (the “Content”) are protected by copyright laws, and/or other intellectual property laws including, without limitation, trademark laws and are owned by Federated Insurance, its affiliates, its licensors or the party credited as the provider of the Content. In addition, this website as a whole is protected by copyright law as a collective work and/or compilation, pursuant to Canadian copyright laws, international conventions and other copyright laws. You must abide by all copyright notices and restrictions contained in any Content.


Certain product names, company names, words, titles, phrases, logos, designs, graphics and icons displayed on this website constitute trade-marks of Federated Insurance, its affiliates or third parties. The use, the retransmission or other copying or modification of any trade-marks displayed on this website is prohibited without the written permission of Federated Insurance or the owner of the trademark.


This website is controlled by Federated Insurance from its offices within the Province of Manitoba, Canada. The website will be governed by and construed in accordance with the laws of the Province of Manitoba and the laws of Canada applicable therein, without giving effect to any principles of conflicts of laws. All disputes, controversies or claims arising out of or in connection with the website shall be submitted to and be subject to the jurisdiction of the courts of the Province of Manitoba. You submit and attorn to the exclusive jurisdiction of the courts of the Province of Manitoba to finally adjudicate or determine any suit, action or proceeding arising out of or in connection with the website.


Federated Insurance is committed to protecting the personal information of its customers.  For more information, please read our Privacy Policy.


Federated Insurance uses cookies with this website.  A cookie is a small data file sent to your browser by a website you visit.  Cookies help the website to remember information about your visit, including pages visited, and may be used to facilitate your future visits to the website.  Federated gathers only information pertaining to your behaviour on our website, such as the pages you visit.

Federated uses Google to show its ads on sites across the internet.  Google uses cookies to serve ads based on your prior visits to our website.  You may opt out of Google’s use of cookies by visiting Google’s Ad Settings.