Business Details
50+ Years
experience
Emergency
services
Simplified Insurance Solutions for Canadians
Since 1908, we have been committed to redefining insurance through simplicity and innovation. Our journey began in small communities and has evolved into a modern mutual insurance model that prioritizes customer needs. We specialize in delivering straightforward, customizable coverage for auto, property, commercial, and farm insurance across Canada. Our approach eliminates industry jargon and complex processes while maintaining robust protection tailored to individual and business requirements. With over a century of experience, we combine deep industry knowledge with digital accessibility to provide 24/7 claims support and flexible payment options. Our mutual structure ensures we remain community-focused, reinvesting in the regions we serve while offering personalized guidance through local brokers.We continuously refine our services to remove barriers, streamline claims resolution, and incorporate modern benefits like replacement cost coverage and road hazard protection. Our team of certified professionals brings decades of combined expertise in risk management and insurance product development. We maintain physical and digital presence across multiple provinces, ensuring accessibility whether customers prefer in-person consultations or online interactions. Through continuous improvement, we aim to make insurance not just a necessity but a seamless part of our policyholders' lives.
Services
Auto Insurance
Property Insurance
Commercial Insurance
Farm Insurance
Life Insurance
Contractors Package
Business Package
Home Insurance
Landlord Insurance
Customized Commercial Insurance
Details
- Year established: 1908
Highlights and features
- 24/7 personalized claims support available
- Mutual commitment to community reinvestment
- Fully customizable coverage options
- Simplified digital insurance management tools
- Flexible payment scheduling options
Services
Auto Insurance
Our auto insurance provides comprehensive coverage options for personal and commercial vehicles. Policyholders can customize deductibles and select from collision, comprehensive, liability, and specialty coverages. We offer protection for standard vehicles, classic cars, and commercial fleets while providing additional benefits like replacement cost coverage and loss of use assistance.
Property Insurance
Property insurance solutions cover residential and rental properties with customizable options. Our policies include home service line protection, water damage coverage, and systems protection. We cater to homeowners, tenants, and landlords with flexible terms that adapt to different life stages while maintaining consistent protection for property and belongings.
Commercial Insurance
Custom commercial insurance packages protect diverse business operations. We offer general liability, cyber protection, and industry-specific policies for restaurants, contractors, and specialized operations. Our brokers help create tailored solutions that address unique business risks while simplifying management through consolidated policies and single payment systems.
Farm Insurance
Farm insurance bundles protect agricultural operations of all sizes. Our FarmSecure packages combine equipment, property, and production protection with single payment and renewal convenience. Coverage includes machinery, livestock, and farm structures while addressing liability concerns through comprehensive farm-specific policy options.
Life Insurance
Our life insurance products provide financial security for policyholders' beneficiaries. The policies integrate with broader risk management strategies while maintaining simplicity in coverage options. We offer guidance through local brokers to help individuals select appropriate coverage amounts and terms that align with personal financial planning needs.
People
Alan Migneault
Chair
CPA and corporate governance expert with extensive insurance industry experience. Leads strategic direction while maintaining financial oversight. Advocate for mutual insurance principles and community-focused business practices.
Susan Milburn
Vice Chair
Business strategist with dual MBA credentials. Oversees operational governance and community engagement initiatives. Focuses on balancing traditional insurance values with modern business innovation.
Rachel Kehrig
Chief Experience Officer
Customer experience leader driving digital transformation. Implements service improvements across claims processing and policy management. Prioritizes user-friendly systems while maintaining personal broker relationships.
Jennifer Woloschuk
Chief Financial Officer
Certified management accountant overseeing financial operations. Ensures fiscal responsibility while supporting product innovation. Brings expertise in balancing long-term stability with modern insurance solutions.
David Chapman-Collier
Vice President, Underwriting
Legal and insurance professional managing risk assessment strategies. Combines regulatory expertise with practical underwriting experience to maintain competitive yet responsible coverage options.
Questions
What insurance types does Sandbox offer?
We provide auto, property, commercial, farm, and life insurance with customizable coverage options for each category.
Can I manage policies online?
Yes, our digital platform allows policy management, claims initiation, and payment scheduling 24/7.
Are there community benefits?
As a mutual insurer, we reinvest in communities where we operate and offer local broker support nationwide.
How are premiums determined?
Premiums depend on coverage type, location, property value, and selected deductibles. Local brokers provide personalized quotes.
Is 24/7 claims support available?
Our claims process can start online at any time, with dedicated team support throughout resolution.
Do you cover seasonal properties?
Yes, we offer separate policies for cottages, cabins, and other seasonal residences with tailored protection.
