COMMERCIAL INSURANCE
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SMALL TO MEDIUM BUSINESS
we’re big on
your business
SMALL TO MEDIUM business OVERVIEW
Given our expertise in commercial insurance,
you can count on RSA to meet the needs of
your SMALL TO MEDIUM BUSINESS clients, and
enable your business to grow.
As a broker, your success is our success.
WE’RE BIG ON your BUSINESS
WE KNOW THAT YOU ARE, TOO
At RSA, we’re all for small to medium business. Like you,
we know that they are the backbone of Canada’s economy.
We have an in-depth understanding of entrepreneurs and
provide insurance solutions that allow these industrious
individuals to do what they do best: expand and grow.
We’ve built our Commercial Insurance package policy to
offer entrepreneurs the best protection at the best rates.
Additional coverage and enhancements are available within
package at no additional premium. And to ensure our
customers receive the fullest offering, we have increased
numerous coverage limits, including Tenant Legal Liability,
Medical Payments, Computer Hardware & Breakdown, and
Contents Extensions. Our leading package is designed for
a broad range of trades and businesses, whether they have
single or multiple locations.
BROADENED CAPACITY
TO WRITE LARGER ACCOUNTS
BY CLARIFYING & MODIFYING
OUR RISK ELIGIBILITY CRITERIA
write 60% of Commercial Insurance Trades (by
• We
industry SIC code), which includes 85% of all Canadian
small to medium business
• No minimum premium
• Revenue up to $5,000,000 for most trades *
• Retail revenue up to $10,000,000*
• Up to 10 locations*
• Building ownership risks of 15 stories or less *
• Favorable loss history
coverage is subject to underlying policies
• Umbrella
written by RSA (does not include auto)
*for risks outside of this, underwriting referral is required.
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Commercial Insurance
PACKAGE HIGHLIGHTS
NEW BROAD COVERS AUTOMATICALLY INCLUDED
Our comprehensive coverage is built for Canadian entrepreneurs and covers general liability, property,
business income, crime, in-land marine and equipment breakdown. Some of the highlights include:
protection: Includes Computer
• Computer
Hardware, Data, Transit and Breakdown - providing
coverage for electronic hardware and media, data
reproduction costs and extra expense relating to
a loss of hardware.
Off-premises Power Interruption:
• Covers
loss of business income or extra expense
incurred as a consequence of a service interruption
at a local utility, caused by an Insured Peril.
Mobile Personal Computing Devices:
• Extends
the coverage provided by the computer
form to mobile personal computing devices at a
non-owned location, including but not limited to
laptops, notebooks and personal digital assistants
(PDA), to non owned locations.
•
Identity Theft Expense: Provides coverage
for reasonable expenses paid to compensate a
customer who has had their identity stolen by
robbery or burglary at the insured’s premises.
Reimburses the insured for reward money
• Reward:
paid by them for information leading to conviction of
a perpetrator of arson.
Floater: Provides broad form coverage for
• Sign
exterior signs which are owned by the insured or
for which they are responsible.
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Extra Expense Extension:
• Outbreak
Provides coverage for the additional expense to
continue business following an order to close by a public
health authority, as a result of a human communicable
disease that the insured is required
by law to report to the health authority.
Spoilage: Provides coverage for spoilage
• Stock
to stock due to dampness or dryness of atmosphere
or change of temperature, caused by an Insured Peril
and includes off premises power interruption.
Breakdown: Protection against
• Equipment
physical damage and loss of business income resulting
from breakdown of equipment caused by sudden and
accidental failure.
Business income: Covers loss of income and the
• extra
expense incurred to resume business, resulting
from an interruption to the business by an Insured Peril.
Collision Extension: Coverage for
• Elevator
loss or damage by accidental collision to elevator cars
not owned by the insured.
Actual Loss Sustained (ALS):
• Profit
Business income coverage for the actual loss sustained
due to an interruption to the business by an insured
peril, subject to a maximum limit and indemnity period,
up to the point that income reaches the level it would
have been had no loss occurred.
COMPETITIVE
ADVANTAGE
We’ve made significant enhancements to our standard
product offering; making RSA highly competitive in the
market. Just some of the stand-out coverage and limits
to note are:
PROPERTY COVERAGE HIGHLIGHTS
Computer Protection (Small Business) - $50,000
Computer Breakdown - $50,000
Fine Arts - $25,000 (Maximum limit per item $2,500)
Stock Spoilage including off premises power interruption $10,000
Mobile Personal Computing Devices - $2,500
Deferred Payment Extension - $10,000
BUSINESS INTERRUPTION HIGHLIGHTS
Extra Expense - $50,000
Outbreak Extra Expense Extension - $1,000/day
for 20 days
Off Premises Power Interruption (48 hr waiting period) $10,000
Interruption by Civil Authority (30 days) - included
Contingent Business Interruption - $5,000
Fines for Damages for Breach of Contract Extension $25,000
CRIME & FIDELITY COVERAGE HIGHLIGHTS
Loss Inside/Outside - $10,000
Personal Property of Officers and Employees - $25,000
per occurrence ($1,000 per person)
Damage to Building by Burglary or Robbery - $5,000
Reward - $5,000
Employee Dishonesty Form A - $5,000
Condominium Betterments - $25,000
(excluding Condominium & Realty Packages)
Identity Theft Expense - $10,000
Sales Representative Samples - $50,000
(excluding Condominium Package)
Trustee Fees - $50,000 included in Condominium Package
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OUR Commercial Insurance
PACKAGE OVERVIEW
We have an in-depth understanding of the risk profile of
small to medium entrepreneurs from the micro right up to
medium-sized businesses, and the coverage they will require
during the lifecycle of their business. Our new package
offering has been enhanced to make it highly competitive
in the market. Our complete product combines coverage
Our core product is built to cater to the needs of the
Canadian entrepreneur and is well suited to Retail and
Business and Professional Services. We provide an outline
of the core cover included below. However, we also
recognize that more specialized trades require more tailored
coverage so we provide specially designed ‘bolt-on’ sections
a Canadian entrepreneur would require to protect their
business assets.
to our core offer that caters to these risks.
NEW COVER
INCREASED LIMIT
WHAT’S INCLUDED
LIMIT
COVERED
LIABILITY SECTION
Commercial General Liability (Per Occurrence)
Select Limit ($)
Tenants Legal Liability (Any one premises)
$300,000
Medical Payments (Any one person)
$10,000
Personal and Advertising Injury Liability
(Any one person or organization)
CGL limit
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Employee Benefits E&O
Covers the amount the insured would have to pay a current or former
employee due to an error or omission in the administration of benefits.
$1,000,000

Employers Liability
Removes the employer’s liability exclusion in the base commercial
general liability wording for office employees.
$1,000,000

Voluntary Compensation
$100 weekly indemnity
Elevator Collision Extension
$10,000
Non-Owned Automobile
Covers the insured’s legal liability for the use or operation of vehicles
not owned by them, but used in the course of their business.
Coverage is contingent on excess automobile over any other
collectible automobile insurance (e.g. owners or drivers form).
$1,000,000
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$50,000

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SEF 96 - Contractual Liability Endorsement
SEF 94 - Legal Liability for Damage to Hired Automobiles
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NEW COVER
INCREASED LIMIT
WHAT’S INCLUDED
LIMIT
COVERED
Building
Select Limit ($)
Select Cover
Contents
Select Limit ($)
Select Cover
Office Contents Tenants Improvement
Covers office furniture, fixtures, equipment, supplies, tenants
improvements and other contents typically found in an office.
$25,000

Accounts Receivable
In the event that the insured’s accounting records are lost or destroyed,
this covers their customers’ payments. Also provides cover for extra
expenses to collect outstanding payment and to re-establish the
accounting records, including interest on loans.
$50,000

Valuable Papers
$50,000


property SECTION
Computer Protection Small Business
$50,000
Includes Computer Hardware, Data, Transit and Breakdown - providing
coverage for electronic hardware and media, data reproduction costs
and extra expense relating to a loss of hardware.
Computer Transit
$25,000
Computer Breakdown
$50,000
Computer Extra Expense
$7,500
Co mputer Data
$7,500
Commercial Condominium (Betterments) Extension
Covers any betterments belonging to the insured which are
permanently fixed to the condominium unit which the insured owns,
where coverage is not provided by (or is in excess to) the building
insurance carried by the condominium corporation
$25,000
Automatic Fire Suppression System
$25,000
Fire Department Service Charges
$25,000
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OUR Commercial Insurance
PACKAGE OVERVIEW
NEW COVER
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INCREASED LIMIT
WHAT’S INCLUDED
LIMIT
Leasehold Interest
Provides coverage for the additional lease expenses resulting from
having to rent another premises to continue business, due to a loss
at the insured premises. Cover is provided for the difference in the
existing monthly rent and the rent required at a replacing location
which is similar in size, condition and location.
$25,000

Professional Fees
$25,000
Blanket Glass
$10,000
Personal Property of Officers & Employees
$1,000 per person
/$25,000 per occurrence
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
Deferred Payment Extension
Provides coverage for merchandise sold under a deferred payment or
installment program while at a third party location or in transit.
$10,000

Fine Arts (maximum limit per item $2,500)
Provides blanket coverage, on a valued basis, for the insured’s personal
collection of paintings, etchings, pictures, tapestries, and other works of
art at the insured location. Also provides coverage for incidental transit
and off-premises exhibitions.
$25,000

Mobile Personal Computing Devices
Extends cover provided by the computer form to mobile personal
computing devices at a non-owned location, including but not limited
to laptops, notebooks and personal digital assistants (PDA), to nonowned locations.
$2,500

Reward
$5,000
Reimburses the insured for reward money paid by them for information
leading to conviction of a perpetrator of arson.

Stock Spoilage
(including off premises power interruption)
Provides coverage for spoilage to stock due to dampness or dryness
of atmosphere or change of temperature, caused by an Insured Peril.

$10,000
COVERED
NEW COVER
INCREASED LIMIT
WHAT’S INCLUDED
LIMIT
Sign
Sign Floater - Provides broad form coverage for exterior signs which
are owned by the insured or for which they are responsible.
$25,000
COVERED
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By-laws
Inflation Shield
Replacement Cost (excluding Stock) Extension
Terrorism Exclusion
Peak Season
Provides cover for predictable seasonal fluctuations of stock by
allowing an automatic increase in stock of up to 25% of the stock
limit on the policy.

Stated Amount
The stated amount clause replaces the percentage coinsurance
clause with a stated dollar amount provided by the insured in a
statement of values.
APPLICABLE TO EACH LOCATION
Newly Acquired Building & Contents
Provides 30 days cover for buildings and contents recently acquired
by the insured but not yet scheduled on the policy.
$1,000,000

Contents at Non-Owned Location
Provides coverage for contents at a location not owned, rented
or controlled by the insured.
$50,000

Transit
$25,000
Sales Representative Samples
Provides coverage for stock and equipment in the custody of a sales
representative of the insured. Includes coverage while in transit.
$50,000
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Jewellery, Watches & Furs
$1,000
Building Damage Due to Theft
$2,500
Debris Removal
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OUR Commercial Insurance
PACKAGE OVERVIEW
NEW COVER
INCREASED LIMIT
WHAT’S INCLUDED
LIMIT
COVERED
Parcel Post
$1,000
Growing Plants, Trees, Shrubs or Flowers
(Maximum $1,000 any one item in the open)
$20,000

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Exhibition
Provides cover for property while away from the insured’s
premises at an exhibition site. Includes transit between the
insured’s premises and the exhibition site.
$25,000

Master Key
Provides coverage for the cost of replacing or re-adjusting locks
following an insured loss to the master key that controls all the
doors at the premises.
$25,000

Land & Water Pollution Clean Up
Provides cover for sudden and accidental pollution to land and water
at the Insured’s location caused by an Insured Peril.
$10,000

$50,000
$10,000
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$5,000
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BUSINESS INCOME SECTION
Extra Expense
Profit Actual Loss Sustained (ALS)
Off-Premises Power interruption
- 48 hr waiting period
Covers loss of business income or extra expense incurred as a
consequence of a service interruption at a local utility, caused by
an Insured Peril.
Interruption by Civil Authority (30 days)
Contingent Business Interruption
Provides loss of business income sustained by the insured due to
a loss, caused by an Insured Peril, at a 3rd party location which
either supplies or purchases from the insured.
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NEW COVER
INCREASED LIMIT
WHAT’S INCLUDED
LIMIT
COVERED
Outbreak Extra Expense Extension
Provides coverage for the additional expense to continue business
following an order to close by a public health authority, as a result
of a human communicable disease that insured is required by law
to report to the health authority.
$1,000/day for 20 days

Fines for Damages for
Breach of Contract Extension
Covers fines or damages incurred by the insured for non-completion
or late completion of a contract, due to an interruption in business
caused by an Insured Peril.
$25,000
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Additional Time Required for Rebuilding Extension
Terrorism Exclusion
Crime Section
Loss Inside/Outside
$10,000
Overnight coverage & in Custodians home
$5,000
Medical Expenses Resulting from Robbery
$5,000
Damage to Building by Burglary or Robbery
$5,000
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Employee Dishonesty Form A
The Employee Dishonesty – Form A – Bond provides coverage
to an employer for loss due to any fraudulent or dishonest acts
of its insured’s employees.
$5,000

Money Orders, Counterfeit Currency
$5,000
Depositor’s Forgery
$5,000
Identity Theft Expense
Provides coverage for reasonable expenses paid to compensate
a customer who has had their identity stolen following a loss of
securities by robbery or burglary at the insured’s premises.
$10,000
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Fidelity Section
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OUR Commercial Insurance
PACKAGE OVERVIEW
NEW COVER
INCREASED LIMIT
WHAT’S INCLUDED
LIMIT
COVERED
Inland Marine Section
Tool floater ($500 maximum limit per item)
Replacement Cost is included for tools less than 3 years old.
This coverage provides blanket actual cash value limits for small
tools while away from the insured’s premises.
$5,000

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Terrorism Exclusion
EQUIPMENT BREAKDOWN Section

Limit of Liability
$20,000,000
Property Damage/Business Interruption/Extra Expense/Service
Interruption
Property Limit ($)
Select Cover
Spoilage
$25,000
Select Cover
EBI Extensions:
Expediting Expenses
Professional Fees
Ammonia Contamination
$100,000
Water Damage
$100,000
Hazardous Substances
$100,000
Mould
$50,000
Data & Media Coverage
$25,000
Selling Price
Brands & Labels
Errors & Omissions
$100,000
Interruption by Civil Authority
Contingent Business Interruption/Extra Expense
By-laws
Terrorism Exclusion
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$100,000
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EXPANDED RISK APPETITE
SO YOU CAN DO MORE BUSINESS
With a risk appetite that has expanded to accommodate
and cater to Canadian entrepreneurs, we are writing more
small to medium businesses than ever before – and winning
with our brokers more often. We now write over 85% of
Canadian small to medium business including business &
professional services, manufacturing & processing businesses
and construction & contracting risks.
This broader, more generalist reach allows for greater
portfolio and program opportunities – enabling you to
consolidate your Commercial Insurance business with one
leading insurance carrier, simply and efficiently.
AN ENHANCED OFFER FOR YOUR CLIENTS
Entrepreneurs drive our economy through their many
and varied businesses. At RSA we insure a wide range
of industries, because our intimate knowledge of the
challenges they face allows us to underwrite these risks.
We understand the entrepreneur as a general group, along
with the specific needs of start-up businesses and specialized
trades – whether hospitality or construction, manufacturing
or wholesale, realty or condo.
Our trade-specific product enhancements enable you to
be confident your clients are properly protected with RSA.
Our customers can rest assured, they have the specific
unique covers required to protect their businesses as
they expand and grow.
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MEETING THE NEEDS OF ENTREPRENEURS BY
UNDERSTANDING WHAT MAKES THEM UNIQUE
For specific trades we have package offerings with these added benefits
What’s Included
AUTOMOBILE TRADE PACKAGE
Garage Liability Extension
Hoist Collision Extension
Limit
Included 
$25,000
CONTRACTORS PACKAGE
What’s Included
Limit
RESIDENTIAL CONDOMINIUM PACKAGE
Trustees Fees
$50,000
Coverage Away from Premises
$2,500
Growing Plants, Trees, Shrubs
Maximum
or Flowers
$500 each
Broad Form Property Damage
Included
Broad Form Completed Operation
Included
Contractors Errors & Omission
$25,000
Hoist Collision Extension
$25,000
Rip & Tear Extension
$10,000
BED & BREAKFAST (B&B) PACKAGE
Contractors Equipment Floater Replacement cost for items
< 3 years old
$25,000
B&B Personal Liability Extension
Included 
$1,000
Installation Floater
$25,000
Loss of Use Rental Reimbursement Daily Limit of $1,000
$10,000
Aggregate
B&B Voluntary Payment for Damage
to Property Expense Extension
Innkeepers’ Liability Extension
($1,000/guest)
B&B Additional Buildings Extension
MANUFACTURING AND WHOLESALE PACKAGE
Product Withdrawal Expense Extension $25,000
Aggregate
Hoist Collision Extension
$25,000
Brands and Labels Extension
$25,000
Production Machine Inclusion
Included 
REALTY PACKAGE
Gross Rentals Actual Loss Sustained
(ALS)
Included 
HOSPITALITY PACKAGE
Innkeepers’ Liability Extension
($1,000 per guest)
B&B Additional Living Expenses
Extension
B&B Building & Contents (Broad Form)
Amendment
Coin Collection
Manuscripts and Stamp Collections
Personal Watercraft and Accessories
Garden Tractors and Accessories
B&B Replacement Cost
(excluding Stock) Extension
Land and Water Pollution Clean Up
$25,000
Occurrence
$25,000
Occurrence
10% of Building
Limit
$25,000
Included 
$1,000
$2,000
$3,000
$10,000
Included 
$25,000
NEW / START-UP BUSINESS PACKAGE
SOLAR PACKAGE
Our Micro package is designed for new or start-up
entrepreneurs with few or no employees, assets, and
turnover. It covers the needs of the true “small” business
owner looking for basic insurance coverage.
(CURRENTLY AVAILABLE IN ONTARIO ONLY)
We provide specific coverage for these businesses
with maximum sales up to $50,000, who operate out
of one location, with contents limits up to $100,000
and $1,000,000 liability.
Solar package is for MicroFIT, the name given to the
OPA (Ontario Power Authority) contract between
themselves and individuals choosing to generate and sell
electricity to the grid. The generation of such electricity
is from a renewable energy source that is wind, water,
solar, radiation or agricultural biomass. This package
provides protection for solar panel installation contractors
with its specialized coverages.
STANDALONE EQUIPMENT BREAKDOWN
PACKAGE (EBI)
Every business is in danger of having its work interrupted
and its reputation damaged by breakdown of its critical
equipment. Equipment Breakdown Insurance provides
protection from loss of income and gets our customers’
businesses operating again as quickly as possible.
Equipment Breakdown Insurance is offered as a coverage
as part of our packages. However, the standalone package
is available to a broader range of classes and includes
Spoilage coverage up to $25,000.
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OUR FLEXIBLE PRICING APPROACH
FOR OUR MOST COMPETITIVE RATE
Fast, flexible and highly sophisticated - our new
pricing model allows us to drive competitiveness in
our target segments, and provide a timely response
to market dynamics.
Since our rates are based on the quality of risk and individual
customer behaviors, the right price is always applied to the
right risk. Geared at a sub-segment level – the premium is
accurate to the actual trade, not a wider grouping and for
micro businesses, there are no minimum premiums. Our
pricing sophistication and competitive intelligence means
that you’ll receive a competitive price from RSA, giving your
clients the best value.
OUR COMMERCIAL INSURANCE
CUSTOMERS CAN TAKE ADVANTAGE
OF FLEXIBLE PAYMENT OPTIONS
DIRECT BILL
pay their entire premium with one pay
• Customers
by a variety of payment options
CREDIT CARD PAYMENTS
select their preferred payment schedule –
• Customers
Choose from monthly instalments or one pay
amendments will automatically be refunded or
• Any
charged on the credit card
payments are made with an AIR MILES credit
• When
card, the insured earns AIR MILES reward miles twice:
®
on their credit card and with RSA*
PREMIUM PAYMENT PLAN – PPP
customer submits a void cheque and signs
• The
authorization for the company to withdraw payments
monthly from their account
AGENCY BILL
broker is responsible for collecting full payment
• The
from the customer
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®
USE AIR MILES TO ATTRACT NEW CUSTOMERS
AND GROW YOUR BOOK
RSA is the only Commercial Insurance insurer in Canada to
offer AIR MILES reward miles on policies. Customers can
earn one reward mile for every $20 (including taxes)* on
their policies. They earn again when they insure their home
or car with RSA and they earn at least double the miles
when they pay with any AIR MILES credit card.
40% of Collectors say they are willing to consider
• Over
switching insurance providers to collect AIR MILES
(research recently conducted by AIR MILES on
behalf of RSA).
AIR MILES program rewards customers for their
• The
loyalty – month after month, year after year. Unlike
other rewards programs, AIR MILES reward miles
never expire.
MILES offer provides additional opportunities
• AIR
for customer conversations.
AIR MILES brand can add value to your existing
• The
customer marketing and communications.
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USE AIR MILES TO IMPROVE
CUSTOMER RETENTION
who registered with the
• Customers
AIR MILES program have shown better
retention rates – usually by around 10%.
brokers who have leveraged
• Overall,
AIR MILES in joint-marketing initiatives
with RSA have shown higher than
average premium growth and retention
in their territory.
HASSLE FREE CLAIMS
KEEPING BUSINESS ON TRACK
Insurance is a promise to keep things running smoothly.
When it comes to small to medium businesses, we’re
committed to “keeping the lights on” should something
go wrong.
We know that time is money for your customers. A delay
on a claim can have a severe impact on a small to medium
business – and can even make the difference between staying
in business or not. Knowing what’s at stake for entrepreneurs
from both a financial and emotional standpoint, our claims
service consistently delivers beyond customer expectation.
Our skilled team of claims professionals deliver our claims
promise on every claim by keeping things moving at all times.
With our National Claims Service Centre that is open 24/7,
clients can rely on an expert claims response team, with
initial contact by a claims professional no later than four
business hours of notification of loss.
$500 Service Guarantee
If we do not return a call on a new claim within 6 business
hours we will pay your client (excluding control adjusters
and program accounts) $500 without question.
Fast Track
Quick settlement of property losses under $15,000 if criteria
are met.
The way we handle a claim is the most important part of our
relationship with your clients. Our exceptional claims service
is one of the key reasons for recommending RSA – and for
your existing clients to renew their policy with us.
RSA’s Hassle Free Claims Service Commitments
1. We commit to initial contact of the claimant within
4 business hours of notification of loss.
2. All messages received by the claims team by 3 PM
will be returned same day.
3. We will keep you and your clients informed of key
developments throughout the life of the claim.
4. We will issue your clients a cheque within 2 business
days of a claims settlement.
5. We will inspect damage to your customer’s small or
medium business within 2 business days and vehicle
inspection within 1 business day in urban areas and
3 business days in rural areas.
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EXPERT RISK SUPPORT
FOR ADDED PROTECTION
Your small to medium businesses clients have access to RSA’s
risk control specialists – experts in the field with years of
experience – at no extra cost.
By identifying potential risks and providing recommendations
for improved safety - including assistance with
implementation of a formal safety program - our industryleading Risk Control Services give entrepreneurs the benefit
of added protection.
From business interruption to slips, trips and falls - we
provide you and your customers with a range of risk
prevention tools and guides covering a variety of perils,
along with customer-specific tips and checklists.
This value-added service gives your clients the ability to
reduce risk in their business.
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WE’RE BIG ON
your BUSINESS
Everyday, Canadian men and women, of every
age and background, are driven to take hold of
the limitless possibilities that come with being an
entrepreneur. We’re there with you to help these
industrious individuals turn their dreams into reality,
grow, and nurture their business with the right
insurance partner.
Given our expertise in Commercial Insurance, you can
count on RSA to meet the needs of your small to medium
business clients, and enable your business to grow. As a
broker, your success is our success.
Work with RSA to tap into the incredible business
opportunity offered by small to medium businesses: we are
the insurance partner that truly understands their business.
We’re highly invested in this market, and we’d like
you to join us.
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we’re
big on
your
business
IF YOU’RE BIG ON BUSINESS, PARTNER WITH RSA.
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© 2012. RSA is a registered trade name of Royal & Sun Alliance Insurance Company of Canada. “RSA” and the RSA logo are trademarks used under license from RSA Insurance Group plc
RSA Group includes, but is not limited to, RSA Insurance Group plc and it’s subsidiaries and affiliates including Royal & Sun Alliance Insurance Company of Canada.
The information in this document is intended for informational purposes only. It contains some information about coverages and services offered by RSA but does not list all the conditions
and exclusions which apply to described coverages and services. The actual wording of the policy and local law govern all situations.
* To a maximum of 15 reward miles/month. All AIR MILES® offers are subject to the Terms and Conditions of RSA, and may be changed or withdrawn without notice. Terms and
Conditions can be found at www.rsagroup.ca.
®™ Trademarks of AIR MILES International Trading B.V. Used under license by LoyaltyOne, Inc. and Roins Financial Services Limited.
74219 (03/2012)
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W W W. R S A B RO K E R . C A
If you’re big on
business, partner
with RSA.