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Heather Cournoyer is a partner in ThinkInsure Alberta, an experienced insurance professional and long-term Alberta resident.
Unlike many other insurance brokers who are fully or partially owned by large insurance companies ThinkInsure is independently owned.
As a broker, we have access to many insurance companies to help you select the best in product and pricing. This is unlike dealing with a direct insurance company. Direct insurance companies are only able to sell their own products. That one size fits all approach to insurance offers limited selection for customers in terms of coverage and pricing.
Combined with over 30 years of experience as an employee, manager, consultant and insurance brokerage owner, I am uniquely positioned to assist organizations face their many and varied challenges! That includes a complete review of an organization's risks and development of a comprehensive insurance program that provides the protection needed at a competitive price.
As your broker I put my customers best interests first. I act as an advocate on behalf of my customers in the event that you have to make a claim, helping ensure fair and prompt payment.
Sometimes the insurance claims process can be a challenge, but at ThinkInsure I make the claims process as stress-free as possible.
In the event of a loss to your company's key assets, how quickly can they be replaced and at what costs?
Ensure all your physical assets are protected: your buildings, contents, and all types of equipment.
Ensure you're insured against lawsuits and claims that you or your employees' negligence has caused.
Protect yourself and your company with a commercial general liability policy designed with your firm in mind.
Insure the reason you went into business as well as the things that help you have a business; whether it was to support your family, help your community, to make a profit, or contribute to the economy.
Be protected if you suffer downtime as a result of an insured loss and have not properly prepared for the inevitable loss of income that will occur.
Knowing the different between Commercial Use and Business Use of automobiles is critical in determining what insurance to purchase, and to ensure that your coverage will be in force in the event of an accident.
For most commercial vehicles, even a short-term loss of a vehicle can have devastating effects on your ability to service your customers.
I have worked closely with multiple clients who have experienced losses and understand the importance of business continuity. Your insurance program should be designed in conjunction with a proper business continuity plan.
If and when a claim occurs, I am there to work with you, your insurance company and the claims adjuster to ensure, fast, efficient and fair claims settlement.
During the recent Fort McMurray wildfire, the worst disaster in Canadian history, many learned they were either not insured or woefully underinsured. Do not let this happen to you!
Take advantage of the expertise that I offer to ensure what could be your largest investments will be properly protected. If you own it, we can help you protect it.
" Heather took the time to learn about my operations to ensure I had the proper coverage for everything we do. It was a completely different experience than answering a few questions over the phone with a broker. I learned we had more than a few coverage gaps that she was able to cover us for and the price was actually better than what we were paying the other company. Heather is highly recommended! "
— Gord Gabel, Rogue Star Online, Sherwood Park, AB
" I really appreciate the thorough reviews you do for each file and the fine attention to detail. We are extremely busy and having the assurance that this is being done makes our jobs a lot easier and we can confidently choose the best product to recommend to our boards. I admire how accessible you are and passionate you are for each file no matter how big of a challenge it may be. "
— Kristin Baylis, Progressive Property Management, Edmonton, AB
" I have the highest respect for Heather! She responds to calls and e-mails promptly and explains things well. I trust her completely with the Services she has provided for my family and business. I know she cares for her clients! "
— D. L. Sherwood Park, AB
"Heather knows her stuff and, even better, knows how to explain it to those of us who don't live in the insurance world.
Heather was thorough in wanting to understand exactly what my businesses are all about and not once did I feel as though she was just out to 'get my money' or sell me coverage I don't need. Heather was genuinely interested and the coverage I have now is not only better, my premiums are less than before. "
--Kathy Flett, Business Owner & Real Estate Investor
" You were the only one we found that could provide us with the insurance and information we required. You didn’t hesitate. We told you what we needed and you said I will find what you need. "
— F. B. Sturgeon County
" Fantastic coverage for a better price than we were paying previously and I appreciate the detailed explanation of my past coverage and new one. "
— A. G. Spruce Grove, AB
Aviva Canada is one of the country’s leading providers of property and casualty insurance. They provide home, auto, recreational vehicle, group, and business insurance coverage solutions and are known for their excellent customer service.
Intact Insurance is Canada’s largest provider of business and personal insurance coverage, offering car, home and business insurance from coast to coast. Serving more than 4 million Canadians, it is a trusted name in the insurance industry and is known for its outstanding service and 30-minute claim guarantee.
Travelers Insurance provides Canadians with high quality personal and business insurance solutions. A licensed Canadian insurer that includes the Dominion of Canada General Insurance Company, St. Paul Fire and Marine Insurance Company, and Travelers Insurance Company of Canada, it’s known for its diverse insurance solutions and specialization in underwriting, risk control, and claims.
Aurora Underwriting Services Inc. is a commercial insurance wholesale broker providing an alternative market for retail brokers. With over 190 years experience, our staff understand the problems facing brokers in our ever-changing insurance market. Aurora Underwriting Services Inc., will work with brokers to provide the best coverage at competitive prices and deductibles.
For more than 85 years, Chubb Insurance Company of Canada has provided high quality property and casualty insurance solutions for Canadians, offering business and personal insurance coverage. They have developed a strong reputation domestically and internationally because of their dedication to fairness and integrity when providing customer service.
The key to proper protection is understanding your insurance. Let me help you with that!
Newport Drive, Sherwood Park, AB T8A 5V8, CA