Generated by All in One SEO v5.0.0.1, this is an llms.txt file, used by LLMs to index the site. # MHK Insurance Personal & Commercial Insurance Providers ## Sitemaps - [XML Sitemap](https://www.mhkinsurance.com/sitemap.xml): Contains all public & indexable URLs for this website. ## Pages - [Home Page](https://www.mhkinsurance.com/) - [Our Company History](https://www.mhkinsurance.com/about-mhk/company-history/) - [Our People](https://www.mhkinsurance.com/about-mhk/our-people/) - [Beauty & Personal Care Services](https://www.mhkinsurance.com/commercial-insurance/professional-beauty-personal-care/) - [Our Careers](https://www.mhkinsurance.com/about-mhk/careers/) - [Contact](https://www.mhkinsurance.com/contact/) - [Snowmobile](https://www.mhkinsurance.com/personal-insurance/snowmobile-insurance/) - [Personal Insurance](https://www.mhkinsurance.com/personal-insurance/) - [Travel Insurance](https://www.mhkinsurance.com/personal-insurance/travel-insurance/) - [Our Identity & Purpose](https://www.mhkinsurance.com/about-mhk/mission-vision/) - [About MHK](https://www.mhkinsurance.com/about-mhk/) - [Get a Quote](https://www.mhkinsurance.com/contact/get-a-quote/) - [Group Home & Auto Insurance](https://www.mhkinsurance.com/personal-insurance/group-insurance/) - [Auto Insurance](https://www.mhkinsurance.com/personal-insurance/auto-insurance/) - [Home Insurance](https://www.mhkinsurance.com/personal-insurance/home-insurance/) - [Get A Quote: Group (Employee Program)](https://www.mhkinsurance.com/contact/get-a-quote/group/) - [Get A Quote: Business](https://www.mhkinsurance.com/contact/get-a-quote/business/) - [Privacy Policy](https://www.mhkinsurance.com/privacy-policy/) - [Cyber](https://www.mhkinsurance.com/commercial-insurance/cyber/) - [Commercial Insurance](https://www.mhkinsurance.com/commercial-insurance/) - [Resources](https://www.mhkinsurance.com/resources/) - [Make a Payment to MHK](https://www.mhkinsurance.com/resources/make-a-payment-to-mhk/) - [Other Specialty Industries](https://www.mhkinsurance.com/commercial-insurance/other-specialty-industries/) - [Retail & Independent Business](https://www.mhkinsurance.com/commercial-insurance/retail-independent/) - [Not for Profit](https://www.mhkinsurance.com/commercial-insurance/not-for-profit/) - [Professional Business Services](https://www.mhkinsurance.com/commercial-insurance/professional-business-services/) - [Our Partners](https://www.mhkinsurance.com/about-mhk/partners/) - [Registries](https://www.mhkinsurance.com/resources/online-registry-services/) - [Claims Assistance](https://www.mhkinsurance.com/resources/claims-assistance/) - [Claims Question](https://www.mhkinsurance.com/resources/claims-question/) - [Identity Guide](https://www.mhkinsurance.com/branding-app/) - [Benefits of a Brokerage](https://www.mhkinsurance.com/resources/benefits-of-brokerage/) - [News & Events](https://www.mhkinsurance.com/news-events/) - [Construction & Surety](https://www.mhkinsurance.com/commercial-insurance/construction-surety/) - [Aviation](https://www.mhkinsurance.com/commercial-insurance/aviation/) - [Transportation & Fleet](https://www.mhkinsurance.com/commercial-insurance/transportation-fleet/) - [Waste Management](https://www.mhkinsurance.com/commercial-insurance/waste-management/) - [Technology](https://www.mhkinsurance.com/commercial-insurance/technology/) - [Realty & Property Management](https://www.mhkinsurance.com/commercial-insurance/realty-and-property-management/) - [Oil & Gas Services](https://www.mhkinsurance.com/commercial-insurance/oil-gas-services/) - [Manufacturing & Processing](https://www.mhkinsurance.com/commercial-insurance/manufacturing-processing/) - [Hospitality](https://www.mhkinsurance.com/commercial-insurance/hospitality/) - [Faqs](https://www.mhkinsurance.com/resources/faqs/) - [Helpful Links](https://www.mhkinsurance.com/resources/helpful-links/) - [News](https://www.mhkinsurance.com/news-events/news/) - [Events](https://www.mhkinsurance.com/news-events/events/) - [Blog](https://www.mhkinsurance.com/news-events/blog/) ## News & Events - [MIG Alberta Named 2026 IBAA Best Large Brokerage](https://www.mhkinsurance.com/news-event/mig-alberta-named-2026-ibaa-best-large-brokerage/) - [Happy New Year from MHK Insurance!](https://www.mhkinsurance.com/news-event/happy-new-year/) - [MHK's Approach to Customer Service](https://www.mhkinsurance.com/news-event/mhks-approach-to-customer-service/) - [Directors and Officers Liability](https://www.mhkinsurance.com/news-event/directors-and-officers-liability/) - [MHK Honoured with Community Involvement Award](https://www.mhkinsurance.com/news-event/community-involvement-award/) - [Risk Insights](https://www.mhkinsurance.com/news-event/news-event-8/) - [Understanding Umbrella Insurance](https://www.mhkinsurance.com/news-event/how-much-does-coverage-cost/) ## FAQs - [What is an independent broker?](https://www.mhkinsurance.com/faq/what-is-an-independent-broker/) - [What’s the difference between ‘actual cash value’ and ‘replacement cost’?](https://www.mhkinsurance.com/faq/whats-the-difference-between-valueand-replacement-cost/) - [What is a Commercial General Liability policy and what does it cover?](https://www.mhkinsurance.com/faq/what-is-a-commercial-general-liability-policy-and-what-does-it-cover/) - [Why do you need to know my annual revenues for Commercial General Liability?](https://www.mhkinsurance.com/faq/why-do-you-need-to-know-my-annual-revenues-for-commercial-general-liability/) - [Why is it important to advise your broker of any material change, such as change in ownership, loss payable/lessor, operations and use of equipment/vehicles?](https://www.mhkinsurance.com/faq/why-is-it-important-to-advise-your-broker-of-any-material-change-such-as-change-in-ownership-loss-payablelessor-operations-and-use-of-equipmentvehicles/) - [The company I work for wants me to list them as an Additional Insured. What does this mean?](https://www.mhkinsurance.com/faq/the-company-i-work-for-wants-me-to-list-them-as-an-additional-insured-what-does-this-mean/) - [What is an underwriter vs. an adjuster?](https://www.mhkinsurance.com/faq/what-is-a-broker-vs-an-underwriter-vs-an-adjuster/) - [How is the liability determined in a commercial auto accident (Intercompany Settlement Agreement versus Highway Traffic Act)?](https://www.mhkinsurance.com/faq/how-is-the-liability-determined-in-a-commercial-auto-accident-intercompany-settlement-agreement-versus-highway-traffic-act/) - [How should I set up my deductibles (premium vs. self-insurance)?](https://www.mhkinsurance.com/faq/how-should-i-set-up-my-deductibles-premium-vs-self-insurance/) - [What are acceptable levels of Third Party Liability?](https://www.mhkinsurance.com/faq/what-are-acceptable-levels-of-third-party-liability/) - [Why should any high-valued jewelery be scheduled?](https://www.mhkinsurance.com/faq/why-should-any-high-valued-jewelery-be-scheduled/) - [What is the difference between Water Damage and Sewer Backup coverage?](https://www.mhkinsurance.com/faq/what-is-the-difference-between-water-damage-and-sewer-backup-coverage/) - [What is the insurance requirement to deem your home or property vacant?](https://www.mhkinsurance.com/faq/what-is-the-insurance-requirement-to-deem-your-home-or-property-vacant/) - [What is GRC on my home policy and why is getting a five-year RCT important?](https://www.mhkinsurance.com/faq/what-is-grc-on-my-home-policy-and-why-is-getting-a-five-year-rct-important/) - [Do I have insurance for a car rental? How does it work?](https://www.mhkinsurance.com/faq/do-i-have-insurance-for-a-car-rental-how-does-it-work/) - [I have this SEF 20 thing on my policy. Does this mean it pays for me to rent a car?](https://www.mhkinsurance.com/faq/i-have-this-sef-20-thing-on-my-policy-does-this-mean-it-pays-for-me-to-rent-a-car/) - [Why is it that the items stolen from inside my vehicle do not get to be claimed with the auto? Why do I need to file a separate claim through my home policy?](https://www.mhkinsurance.com/faq/why-is-it-that-the-items-stolen-from-inside-my-vehicle-do-not-get-to-be-claimed-with-the-auto-why-do-i-need-to-file-a-separate-claim-through-my-home-policy/) - [Do I need to carry collision if my vehicle is more than five years old?](https://www.mhkinsurance.com/faq/do-i-need-to-carry-collision-if-my-vehicle-is-more-than-five-years-old/) - [If I have been involved in a small motor vehicle accident and the other party says they will pay for it, do I still need to make an insurance claim?](https://www.mhkinsurance.com/faq/if-i-have-been-involved-in-a-small-motor-vehicle-accident-and-the-other-party-says-they-will-pay-for-it-do-i-still-need-to-make-an-insurance-claim/) - [Will my car insurance automatically cover me if I drive someone else’s car?](https://www.mhkinsurance.com/faq/will-my-car-insurance-automatically-cover-me-if-i-drive-someone-elses-car/) - [Why do I need to tell you about anyone else in my household who may be licensed if they don’t drive my car?](https://www.mhkinsurance.com/faq/why-do-i-need-to-tell-you-about-anyone-else-in-my-household-who-may-be-licensed-if-they-dont-drive-my-car/) - [Why does a driver need to be added to an automobile policy?](https://www.mhkinsurance.com/faq/why-does-a-driver-need-to-be-added-to-an-automobile-policy/) - [If I let my insurance company know about a very minor claim, will my rates go up?](https://www.mhkinsurance.com/faq/if-i-let-my-insurance-company-know-about-a-very-minor-claim-will-my-rates-go-up/) - [What documents do I need to get my car insured?](https://www.mhkinsurance.com/faq/what-documents-do-i-need-to-get-my-car-insured/) - [What are the benefits of having all my personal insurance go through one company?](https://www.mhkinsurance.com/faq/what-are-the-benefits-of-having-all-my-personal-insurance-go-through-one-company/) - [If I stop paying for my insurance is it automatically cancelled?](https://www.mhkinsurance.com/faq/if-i-stop-paying-for-my-insurance-is-it-automatically-cancelled/) - [If I need a liability certificate, what are they asking for?](https://www.mhkinsurance.com/faq/if-i-need-a-liability-certificate-what-are-they-asking-for/) - [Is one million liability enough insurance or should I carry two million?](https://www.mhkinsurance.com/faq/is-one-million-liability-enough-insurance-or-should-i-carry-two-million/) - [What is a SEF 44?](https://www.mhkinsurance.com/faq/what-is-a-sef-44/) - [What is a 43(r) and how does it relate to my personal/commercial vehicle?](https://www.mhkinsurance.com/faq/what-is-a-43r-and-how-does-it-relate-to-my-personalcommercial-vehicle/) - [Why do I have to pay a deductible if I already pay high enough premiums?](https://www.mhkinsurance.com/faq/why-do-i-have-to-pay-a-deductible-if-i-already-pay-high-enough-premiums/) ## Branding Files - [Color Values](https://www.mhkinsurance.com/branding-file/colour-values/) - [Vertical Logo](https://www.mhkinsurance.com/branding-file/colour-variations-2/) - [Clear Space Agreement](https://www.mhkinsurance.com/branding-file/clear-space-agreement/) - [Type Usage](https://www.mhkinsurance.com/branding-file/type-usage/) - [Photo Treatment](https://www.mhkinsurance.com/branding-file/photo-treatment-2/) - [Horizontal Logo](https://www.mhkinsurance.com/branding-file/logo-lock-up/) - [Limited Type Usage](https://www.mhkinsurance.com/branding-file/limited-type-usage/) ## MHK Locations - [Calgary](https://www.mhkinsurance.com/mhk-location/calgary/) - [Edmonton](https://www.mhkinsurance.com/mhk-location/edmonton/) ## FAQ Sections - [Personal](https://www.mhkinsurance.com/faq-section/personal/) - [Commercial](https://www.mhkinsurance.com/faq-section/commercial/) - [General](https://www.mhkinsurance.com/faq-section/general/) ## Branding Application Sections - [2 Colors & Photography](https://www.mhkinsurance.com/branding-application-section/colors-photography/) - [3 Typography](https://www.mhkinsurance.com/branding-application-section/typography/) - [1 Corporate Logo](https://www.mhkinsurance.com/branding-application-section/corporate-logo/)