By default, the contact who signed up and applied for the insurance policy will become the main contact for both the policy and billing notifications.

Please note that the policy and billing portal are two different portals.

The main contact can add additional policy users which will allow them to add/remove credit limits, submit claims or declarations (if applicable).

To add additional billing contacts, to change the main contact of the policy/billing or where notifications are sent for billing, the main contact will need to contact Customer Care to provide the new contact details.

Details about your coverage can be found in your coverage certificate and your general terms and conditions. Find out what information is contained in each of these two documents in the policy documents section.

These documents will also details specific to what is not covered under the coverage description, coverage limitations/specifications and special conditions sections of your coverage certificate.

Follow these steps to access and review your policy details and policy documents online.

Your coverage certificate will detail your premium amount (how much you owe) and your declaration period (if, and when, you are expected to submit a declaration of sales) in the Premium and Declaration of Sales section. Please refer to your coverage certificate for your specific details.

Note: If you have multiple policies (ex. Domestic and Export), you will have multiple coverage certificates.

Your billing cycle begins when your policy begins.

For example, if your policy activation date is January 1 and your premium amount is 4,000 CAD, you will be charged four invoices of 1,000 CAD on January 1, April 1, July 1, and October 1. Each invoice will be due on net 20 days.

How can I view my invoices?

You can access invoices and any other payment information related to your policy by logging into the Invoices and Statements portal. To do so, follow these steps.

What are the various ways I can pay my invoice?

If you set up pre-authorized debit, your invoice will be paid automatically upon its due date from your bank account.
Other available payments methods are wire transfer, online banking, credit card, and cheque, however these methods cannot be automated to pay your invoice. You can find these details on the second page of your invoice or statement of account PDF.

Once you have submitted a new credit limit, you will either receive an automatic decision (approved or declined) or pending. If your request is pending you will be able to view the status of your credit limit request within your portal in the Pending Decisions tab.

See our declaring sales section for tips when completing your declarations. If you have additional questions not covered, please contact us.

As part of your policy, you are required to attempt to collect the overdue. Please review our section on Minimizing and Preventing Loss.

As a policyholder, you are required to stop shipping and report an overdue if the amount is greater than $100,000 and is 60 days past due.

If you are unsuccessful, you may want to request that we place the account with a collection agency, with which we have preferential rates arranged. 
Placing the account in collection is available when you report an overdue or submit a claim online.

In most cases, your policy/policies will renew annually. At about 90 days (3 months) to the renewal of your policy, your main contact will be notified that they should complete the renewal form.

If you do not complete this renewal form, the offer will include the same details as the current year.