Save more with TD Insurance

As a trusted partner, the TD Insurance Meloche Monnex program is dedicated to helping International Association of Fire Fighters members access to preferred insurance rates on home and car insurance coverage.

You could save big* when you combine your member preferred rates and bundle your home and car insurance.

TD Insurance is the leading direct response insurance group in Canada†, offering quality insurance products for over 65 years. From getting a quote to filing a claim, their knowledgeable advisors will help you find options that are right for you.

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TD Insurence

*Ranks based on data available from OSFI, Insurers, Insurance Bureau of Canada, and Provincial Regulators, as at December 31, 2015.

*Nationally, 90% of all of our clients who belong to an employer group that has an agreement with us and who insure a home (excluding rentals and condos) and a car on October 31, 2016, saved $469 when compared to the premiums they would have paid without the preferred insurance rate for groups and the multi-product discount. Savings are not guaranteed and may vary based on the client’s profile. Savings vary in each province and may be higher or lower than $469.

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Profitez de vos avantages de membre

À titre de partenaire de confiance, le programme TD Assurance Meloche Monnex est conçu pour aider les membres de l’AIP au Canada à avoir accès à des tarifs d’assurance préférentiels sur la protection d’assurance habitation et auto.

Vous pourriez économiser gros* quand vous combinez vos tarifs préférentiels de membre et que vous regroupez vos assurances habitation et auto.

Chef de file de l’assurance à réponse directe au Canada†, TD Assurance offre des produits d’assurance de qualité depuis plus de 65 ans. Qu’il s’agisse d’obtenir une soumission ou de présenter une réclamation, des conseillers avisés vous aideront à trouver des options qui vous conviennent.

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TD Assurance

†Les classements sont fondés sur les données disponibles du BSIF, des assureurs, du Bureau d’assurance du Canada et des organismes de réglementation provinciaux, au 31 décembre 2015.

*À l’échelle nationale, 90 % de nos clients qui font partie d’un groupe employeur avec lequel nous avons une entente et qui font assurer leur résidence (sauf les logements loués et les copropriétés) et leur véhicule au 31 octobre 2016 économisent 469 $ par rapport aux primes qu’ils auraient payées s’ils n’avaient pas obtenu un tarif de groupe préférentiel et un rabais multiproduit. Ces économies ne sont pas garanties et peuvent varier selon le profil du client. Le montant des économies varie d’une province à l’autre et peut être supérieur ou inférieur à 469 $.

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Schoenfeld Insurance Associates is working with the IAFF Financial Corporation to provide IAFF Affiliate Locals in Canada with a Limit of Directors & Officers Liability and Employment Practices Liability Coverage at an affordable price with a simple application and underwriting process.

What is Covered?

  • Wrongful Act (in relation to Directors & Officers Liability) for any actual or alleged error, misstatement, misleading statement, act, omissions, neglect or breach of duty
  • Wrongful Employment Practice (wrongful dismissal, discharge or termination)
  • Failure to provide fair representation for volunteers/members
  • The financial mismanagement of the Union
  • Wrongful Dismissal of Employment
  • Other wrongful employment practices such as Harassment, Discrimination and Retaliation
  • Includes, but is not limited to, all of the above

Who Is Covered?

  • Directors and officers of the Union
  • Any duly elected or appointed director, officer, trustee, management committee or an official holding a position equivalent to an executive position while acting within the scope and capacity of the position.
  • Coverage is available in ALL Provinces

Policy Structure

  • Limits are determined by revenue, number of officers, and number of employees of the Local
  • Locals with revenue up to $149,999 revenue are eligible for a policy limit of $250,000
  • Locals with revenue between $150,000 – $499,999 are eligible for a policy limit of $500,000
  • Locals with revenue higher than $500,000 are eligible for a policy limit of $1,000,000
  • Each Local will underwritten separately, and if granted coverage, issued its own independent policy

For more information on our program or to download the Q&A Sheet and Application please visit our website. Any additional questions can be answered by Karen Feger at

DISCLAIMER: “Please note that terms and coverage are not guaranteed. The information provided is intended to present a general overview for illustrative purposes only. It is not intended to constitute a binding contract, nor specific claims outcome. Please remember that only the relevant insurance policy can provide the actual terms, coverages, amounts, conditions and exclusions for an insured.”