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Claims assistance

When something happens, know where to start.

Find your insurer’s reporting contact, understand the next steps or send a notice to CIBI.

Immediate danger? Call 911.

For an urgent or after-hours claim, use the emergency contact on your policy or the insurer’s reporting instructions. The CIBI website form is not an emergency service and is not monitored continuously.

01 / First steps

Prioritize safety.

Follow emergency instructions. Take reasonable steps to prevent further damage only where safe, and keep receipts for emergency expenses.

02 / Record details

Keep a clear record.

Note the date, location and what happened. Keep photos, witness details and relevant documents. Avoid admitting fault or agreeing to a settlement.

03 / Report promptly

Follow your policy.

Notify the insurer through the required channel. Keep your claim reference number and tell your CIBI broker so we can assist.

Insurer & program contacts

Find the right reporting route.

Use the insurer and program named on your policy. A general office number is identified as such.

42 insurer and program contacts

SUM Insurance

Follow the product-specific reporting instructions on your policy, especially for emergencies. Use the email below if those instructions are missing or unclear.

Reporting details checked September 11, 2026.

Victor Canada - formerly ENCON

Claims reporting emailnewclaims.ca@victorinsurance.com
Technology liability — first-party cyberbreach hotline1-844-772-9237

The email is for Victor-managed liability and construction claims. Other products report directly to the named insurer. The reporting instructions include province-specific after-hours contacts for Builders Risk and Environmental policies.

Reporting details checked September 11, 2026.

Contacts are based on CIBI’s published directory and insurer reporting pages. A checked date appears where the linked reporting details were reviewed; other entries have not been reverified in this update. Your policy’s specific reporting instructions take priority. Some contacts serve particular products; email is not an emergency channel.

Fields marked * are required. Please do not include payment-card information.

Have you already notified the insurer?

Submitting a request does not bind, change or cancel insurance. Coverage must be confirmed by CIBI.