When you are self-employed, taking care of details that are normally handled by the Human Resources department of a company suddenly becomes your responsibility. You have to set up your retirement plans, making investments for your future, and you also have to consider important details that help you care for your needs now. Insurance is one of those details, but insurance itself can seem like a multitude of details. Not only do you have to think about car insurance and homeowner's or renter's insurance, you also have to make arrangements for your medical and dental insurance. Purchasing insurance in Calgary is turned into a much easier process if you have an agent who deals with all types of insurance. Then the agent can personally discuss your needs and even recommend package deals that will help you to save money for having gone through the same company for all of your insurance needs. Car insurance in Calgary is required of all who own cars. At least basic coverage is expected so that if you are ever in an accident, the insurance company can help you recover from the financial impact of personal or property damages brought on by the collision. If you are stopped in your car by the police, you are required in Canada to have proof of your automobile insurance. An insurance agent or broker can discuss with you the levels of car insurance and help you decide whether you would like basic insurance for liability only. Otherwise, he or she can direct you to plans that allow you to add on features such as an uninsured driver line for those unfortunate instances when a collision is made even more complicated by the other driver not having insurance. Your insurance broker can help you to find homeowner's insurance as well, possibly with the same company so that you might be able to have a policy package with them. Homeowner's insurance can also range from basic to full coverage. You can get insurance that will help you recover after a natural disaster, fire or water accident, or even a burglary. House or rental insurance in Calgary ensures that you will have a helping hand in times of crisis when you may not be able to afford the cost of recovering your belongings or restoring your home. Health insurance in Calgary is covered by the Canadian federal government, and an insurance broker can explain the details and make sure that you understand your free healthcare eligibility. This is a basic coverage for all medically required services and may even include some dental surgery and some chiropractic and optometrist services. If you, as a self-employed person, would like to carry additional privatized insurance for treatments beyond this, your insurance agent can explain the premium costs and benefits. These can include full dental coverage, prescription medications, and life insurance options. It can also include additional services to make your health care experience as comfortable as possible, including private hotel rooms, home nursing care, and emergency medical travel expenses. Paying the extra premium may seem difficult to you if you are newly self-employed and still balancing your budget, but it can be worth it for the assurance that you will be cared for in the event of a crisis that you cannot afford.

You can talk to your agent about insurance in Calgary for your family as well. Adding on the extra coverage will ensure that your spouse is also cared for in an emergency. An insurance broker will be able to discuss additional government-funded insurance options for children, such as those under 18 who come from low-income homes.