3.4/5 (5 Reviewers)
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With roots in Canada as far back as 1833, RSA Canada is still one of the fastest growing insurers in Canada because of its ability to solve personal and business insurance issues at home, and around the world.

RSA Canada Group

HeadquartersToronto, Ontario
Employees3,500 (2017)
Canadian Mkt. Share*3.66% (2017)
Insurance ProductsHome, Tenant, Condo, Landlord, Marine, Business, Travel, & Pet Insurance
* Of all private P&C in Canada by net premiums written, excluding life and purely A&S companies.

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Company Overview

Clients of RSA Canada can choose from a large roster of solutions that include coverage for the family home up to a complex international operation.

RSA Canada is Canada’s largest marine insurer, 3rd largest P&C insurer, and top travel insurer, providing personal and commercial insurance nationwide.

RSA Canada’s parent, the RSA Insurance Group was formed in 1996 by a merger of Sun Alliance (founded in 1959, by means of merger between The Sun, founded in 1710, and The Alliance, founded in 1824), and Royal Insurance, which was founded in 1845.

RSA Canada can provide:

  • Coverage for a company’s domestic and global interests
  • Small business insurance that includes special liability considerations for start-ups
  • AIR MILES® Reward Miles program to help reduce travel costs

RSA Canada offers auto, home, and business insurance to fit a variety of needs. For the company’s brokers, it is important to create insurance programs that meet the client’s lifestyle, as well as help the client’s business to succeed. Along with diverse insurance coverage lines, RSA Canada also has a wide variety of informational resources for clients as well as brokers.

RSA Advantages

RSA Canada is a dynamic insurance company that understands the needs of the modern consumer and business. RSA Canada brokers offer risk management advice to go with insurance liability coverage, and one of its primary focuses is on client retention. Other advantages to working with RSA Canada include:

  • Customer-Centric Approach – A lot of insurance companies claim to be customer friendly, but RSA Canada has taken the steps to make it easy for brokers and consumers to benefit from the company’s services. The broker system is streamlined to make transactions easier, and RSA Canada has taken steps to make insurance easier for business and personal clients to understand.
  • Industry-Leading Claims Service – RSA has very high standards for claims service, including 24/7 claims reporting, prompt responses and timely claims settlement.
  • AIR MILES® Reward Miles – One of the amenities that makes RSA Canada unique is its Air Miles program. Clients get 1 mile for every $20 they spend on insurance that can be used towards lowering the cost of airfare. Both personal and business lines clients benefit from this program.
  • A Focus On Growth – RSA Canada understands that its success lies in its ability to deliver excellent customer service. That focus on constantly improving service has helped RSA Canada to rise among the ranks of Canadian insurance companies at an accelerated rate.

RSA’s Insurance Products

RSA Canada has complete lines of personal and business insurance that cover a wide variety of client needs. The company is constantly evolving be the preferred insurance carrier to its clients.

Personal Insurance

  • Auto Insurance – RSA Canada offers comprehensive auto insurance that includes:
    • Claims Protection Plan – Car insurance premiums don’t go up for drivers with no more than one accident every six years
    • Lifetime Repair Guarantee – Lifetime guarantee on car repairs at RSA-approved repair shops
  • Home Insurance – RSA Canada offers options to meet the needs of all clients, whether they rent or own their home.
    1. Platinum Plus for homes with a replacement cost above $400,000
    2. Comprehensive Homeshield for homes with a replacement value between $150,000 to $400,000 and contents limits.
    3. Waterproof Coverage adds enhanced protection against damage caused by storm activity and flooding, eaves, downspouts, drains and sewer backup.
    4. Tenantshield covers possessions and bodily injuries
  • Condo Insurance – There are two levels of condo insurance available from RSA Canada. They are:
    1. Platinum Plus (covers total contents worth over $75,000)
    2. Comprehensive (covers total contents worth $30,000 and up)
  • Leisure Lifestyle – Leisure lifestyle coverage offers additional protection that enhances your home or condo insurance. Protection includes:
    • Personal Catastropheshield
    • Home business
    • Landlordshield (protection for people who rent out their home or condo)
    • Holiday Travel Trailers
    • Watercraft
    • Seasonal dwellings

Commercial Insurance

  • Property and Casualty for small-to-medium sized (SME) business – This is business insurance created to help protect companies with a low to medium exposure to risk. Protection includes:
    • Comprehensive P&C package which covers general liability, property, business income, crime, in-land marine and equipment breakdown
    • Specialized packages including:
      • Auto Trade Insurance
      • Bed & Breakfast
      • Construction & Contracting
      • Equipment Breakdown Insurance
      • Hospitality
      • Manufacturing & Wholesale Insurance
      • Micro/Start up business
      • Realty Insurance
      • Residential Condo Insurance
      • Solar Insurance
  • Individually Rated Commercial Auto – RSA Canada offers up to $5 million in liability coverage for commercial vehicles (consisting of 1-4 vehicles) with exposure of low to medium risk. Commercial auto discounts include:
    • New Business Loyalty discounts
    • Renewal Loyalty discounts
    • Conviction Free discounts
    • Multi-vehicle discounts

Mid-Market and Large Commercial Insurance

  • Commercial Fleet – RSA Canada can cover your commercial auto fleet consisting of a minimum of five vehicles, with a maximum range of over 100.
  • Property Insurance – RSA can offer up to $800 million capacity for large, complex property risks, along with risk-control engineering and specialized claims-handling services.
  • Renewable Energy – Access full service insurance solutions with coverage for wind, hydro, solar, bio, wave and tidal.
  • Project Construction – Clients get coverage on construction project that includes damaged materials coverage and equipment breakdowns.
  • Energy Insurance – RSA Canada offers comprehensive coverage for businesses involved in all phases of the energy industry from oil drilling to renewable energy.
  • Equipment Breakdown Insurance – This offers comprehensive coverage for almost any type of commercial equipment breakdown, and getting new equipment in place as soon as possible.
  • Errors and Omissions Insurance – If someone in your company makes a mistake with the paperwork, RSA Canada can help protect your interests.
  • Executive and Management Liability – When your company is negatively affected by the actions of an executive or member of the management team, RSA can help pick up the pieces. Coverage includes Directors’ and Officer’s (D&O) Liability, Side A Difference-In-Conditions (DIC), Employment Practices Liability, Fiduciary Liability, Commercial Fidelity Bonds and Financial Institution Bonds.
  • General Liability – RSA Canada has developed a general liability program for commercial customers that can take on liability claims of up to $25 million.
  • Marine – Comprehensive marine coverage includes:
    • Marinas and resorts
    • Pleasure craft
    • Cargo protection
    • Excess liabilities

Looking for Insurance in Ontario?

Get a Quote now

Contact Mitch to see how our brokers can help you: Speak with a broker today: 1-800-731-2228

The RSA Canada Group of Companies

  • Royal & Sun Alliance Insurance Company of Canada: Est. 1833 – Offering a broad range of home, auto, business, marine and travel insurance product to Canadians
  • Western Assurance Company: Est. 1982 – Home and auto insurance provider that works through local Ontario insurance brokers
  • Canadian Northern Shield Insurance Company: Est. 1985 – B.C. insurer offering a range of personal and business insurance products
  • Johnson Inc.: Roots going back to 1880, and a member of RSA Group since 1997 – Offers auto, home, and travel insurance across Canada
  • Unifund Assurance Company: Est. 1972 – Specializes in personal home and automobile insurance, and managed by Johnson Inc.
  • RSA Travel Insurance Inc.: Est. 2011 – when RSA acquired the assets of Expert Travel Financial Security (ETFS)
  • Roins Financial Services Ltd. (RFSL): Est. 1994 – The Canadian holding company for RSA Insurance Group plc.
  • Ascentus Insurance Ltd.: Offering home, automobile, and specialty insurance products

RSA Canada Reviews

3.4/5 (5 Reviewers)
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RSA Canada
Head Office:
18 York Street, Suite 800, Toronto, Ontario M5J 2T8, Canada
Phone Number: 1-800-319-9993
Rating: 1 1 /5 stars

Do not get Assurance with RSA

Worst customer service

Rating: 5 5 /5 stars

so happy

I would like to thank you for my motorcycle insurance you guys are the best

Tonio K
Rating: 4 4 /5 stars

Fairly quick service

Fairly quick service and quite professional

Rating: 2 2 /5 stars

Stay away from RSA

My car was totaled. Those things always suck but RSA made it far, far worse. It literally took days to reach a claims person. Even then it often took days or weeks just to hear back. I had to go to the broker multiple times for intervention. That barely worked. They then assigned a new claim person as apparently the original was overwhelmed by his caseload. The new guy was just as bad. It’s been a month and a half and I still haven’t had this resolved. My rental that was included in my plan expired so I’m out a car with no ability to replace the one I lost until the promised cheque arrives. Stay. Far. Away. From. RSA.

Rating: 5 5 /5 stars

good rates

cheaper than my old company