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Access Insurance: Your Trusted Insurance Broker in Lacombe

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Whether it’s your family, your business, or your financial assets, we all have something to protect. Worrying about what could go wrong can become a heavy burden on your shoulders, stopping you from living life to the fullest.

At Access Insurance Lacombe, we want to empower you to put these worries behind you and move forward in life with no fears holding you back.

Access Insurance provides outstanding insurance services for the hardworking residents of Lacombe. We know that protecting your home, your business, and your family is your top priority, and we work hard to provide you with top-quality, affordable coverage for commercial insurance, auto insurance, and home insurance in Lacombe.

Lacombe is a great place to call home – not only because of its unique attractions and vibrant culture, but also because it’s full of opportunities for new businesses to grow and prosper.

If you’re looking for an excellent Lacombe insurance agency, you’ve come to the right place. Access Insurance is here to meet all your insurance needs.

Discover Affordable Lacombe Insurance Solutions with Access Insurance

Having the right insurance coverage doesn’t just protect you in case of any unpleasant surprises, but it also grants you courage and reassurance that enables you to make more informed decisions and seize more opportunities for growth and development.

Residents of Lacombe know that it’s a place for the ambitious and the passionate. Lacombe County is known for its commitment to fostering economic growth, attracting investment, and propelling the region towards a prosperous future.

With Access Insurance Lacombe, you can find reliable commercial insurance solutions to protect your business against significant financial setbacks arising from risks related to your field. You can also get comprehensive home insurance coverage that protects your home from damage and protects your valuables against theft or damage. With auto insurance, you can take on the roads without worry, as it protects you in many ways in case of an accident.

Read more about Access Insurance coverage solutions below.

Access Insurance Lacombe: Coverage for What You Care for the Most

Auto Insurance in Lacombe

Auto insurance is an essential financial safeguard for Canadian drivers. Beyond its legal requirement, it serves as a crucial shield against the financial fallout of car accidents. These incidents, ranging from minor fender-benders to catastrophic collisions, can occur regardless of driving expertise.

Auto insurance steps in to protect you financially in the aftermath of an accident, irrespective of fault. It can alleviate the burden of vehicle repair costs, medical expenses, and potential legal fees. Auto insurance coverage in Lacombe includes the following:

Understanding Your Coverage Needs

Before diving into specific coverage types, it’s important to consider your individual needs and driving habits. Looking for the best car insurance quote in Edmonton? Our team of experienced brokers can help drivers throughout Alberta find the most competitive rates and coverage options, regardless of location.


    • Third-Party Liability Coverage
      Third-party liability insurance, a cornerstone of auto insurance, acts as a financial safety net in the event you are responsible for causing bodily injury or property damage to another party while driving. It ensures that the affected individuals are compensated for their losses, shielding you from potentially devastating financial consequences.
      In the province of Alberta, the minimum third-party liability coverage requirement stands at $200,000.

  • Accident BenefitsAccident benefits coverage compensates you for medical costs arising from an auto accident. Other expenses, like funerals, rehabilitation, or income replacement are also covered, regardless of whether or not you’re at fault. This coverage may also extend to passengers in the vehicle or pedestrians and cyclists.

  • Direct Compensation for Property Damage (DCPD)
    DCPD is mandatory coverage in Ontario, Nova Scotia, Alberta, Quebec, Newfoundland, among others. It provides you with compensation for damage done to your vehicle if you are involved in a not-at-fault accident. “Direct” compensation means that your insurer directly handles your no-fault claims.
    DCPD only comes into effect if the vehicles involved are identified and insured and the accident has occurred in a province where DCPD applies.

Looking to get more details about auto insurance in Lacombe and what coverage options are mandatory in your province? Get in touch with Access Insurance to talk to an auto insurance broker in Lacombe today and get your questions answered
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Home Insurance in Lacombe

Just as life is unpredictable, so too are the potential perils that can threaten your home. From the devastation of a fire to the disruption of a theft, these unforeseen events can leave you feeling overwhelmed and financially vulnerable. Without adequate home insurance, you may be left to shoulder the entire burden of repairs, replacements, and legal fees, potentially jeopardizing your financial stability and peace of mind.

A reliable home insurance policy will provide you coverage through the following policies:

    • Third-Party Liability Coverage
      This crucial component of homeowners insurance protects you against lawsuits arising from bodily injuries or property damage sustained by a third party while on your property. It encompasses legal defense costs, settlements, and awards, ensuring that you are not left to bear the financial burden of these unforeseen events.

  • Building and Detached Structures
    Home insurance safeguards more than just your primary residence; it also extends its protective umbrella to encompass detached structures, such as sheds, fences, or garages.

  • Contents
    Home insurance extends its protection beyond the physical structure of your home to encompass your belongings, ensuring that your valued possessions are safeguarded against theft or damage. Keep in mind that high-value items, such as jewelry, may require additional protection to ensure they are adequately covered. 

  • Additional Living ExpensesIn the unfortunate event that your home becomes uninhabitable due to a covered peril, this coverage steps in to alleviate the financial burden of temporary displacement. It reimburses you for expenses incurred during this period, such as hotel accommodation, restaurant meals, and storage fees, allowing you to maintain your standard of living while your home is being repaired.

Navigating the complexities of home insurance can be overwhelming, especially for first-time homeowners. Enlisting the guidance of an experienced home insurance broker in Lacombe can simplify the process and ensure that you find secure and comprehensive coverage that aligns with your needs and budget. 

learn more about our home insurance services and safeguard your cherished property with confidence. 
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Commercial Insurance in Lacombe

Navigating the unpredictable waters of the business world demands resilience and preparation. Commercial insurance serves as your steadfast shield against unforeseen events, ensuring your business can weather the storms and emerge stronger. With commercial insurance, you can embrace the peace of mind that comes with comprehensive protection and focus on steering your business towards success.

Commercial insurance (also known as business insurance) includes the following coverages:

Professional Liability (Errors & Omissions) Insurance

This coverage protects your business from legal action stemming from alleged or actual errors or omissions in your professional services or advice. 

Commercial Auto Insurance


This coverage is designed specifically for vehicles used for commercial purposes, whether transporting employees, tools, clients, or products, safeguarding your business from financial liabilities arising from accidents involving your commercial vehicles.

Commercial Property Insurance


This coverage protects your offices, storage units, and other business premises from unforeseen perils such as fire, theft, and natural disasters and ensures that your business can recover swiftly and continue operations in the face of unexpected property damage.

Cyber Insurance

Cyber insurance coverage protects your businesses from enduring losses resulting from cyber attacks or data breaches.

Product Liability Insurance


If you manufacture or sell products, this coverage is necessary for protection against product-related liability claims.

Commercial General Liability Insurance

Liability claims arising from injuries or property damage related to your business operations can pose a daunting load on your business. Commercial general liability covers legal fees and awards or settlements.

Additional info:

Looking for commercial insurance in Edmonton, Red Deer, or Leduc? We’ve got you covered! Access Insurance offers comprehensive commercial insurance solutions throughout Alberta, ensuring your business is protected no matter your location.

Each individual business will need a customized commercial insurance policy. For example, if you run a consultancy firm, you will need professional liability coverage but not product liability coverage. The amount you pay for commercial insurance may also vary based on the specifics of your business.

Consult a commercial insurance broker in Lacombe today to get affordable and reliable commercial insurance coverage for your business. Access Insurance Lacombe, with our extensive experience in the commercial insurance field, can help you find just the right coverage for your business.

Get started today towards purchasing your home insurance, auto insurance, by comparing quotes from Access Insurance’s wide network of top insurance providers in Lacombe.
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Lacombe Insurance FAQs

While auto insurance is the only mandatory insurance in Canada, other forms of insurance may become necessary depending on specific circumstances. For instance, landlords often require tenants to obtain tenants’ insurance before renting their property.

Premiums are regular payments made to your insurance provider in order to keep insurance active, while deductibles are the amounts you pay out of pocket before insurance kicks in. Premiums are typically higher for policies with lower deductibles and vice versa.

When looking for insurance, it’s of course natural to seek affordable rates. However, opting for the cheapest insurance policy may not be the wisest choice, as it could indicate inadequate coverage. Instead, consider strategies like avoiding minor claims, raising your deductible, or combining multiple policies to lower your insurance premium while maintaining adequate protection.