A man wearing a baseball cap is crouched down. He is checking the wheel well of a truck.

Your Sovereign claims experience

At Sovereign when you have a claim, we promise to provide an exceptional claims experience. Our experienced claims team will handle your claim efficiently and keep you informed throughout the process. Our goal is to support you to get your business back up and running.

A white line art telephone on a gold triangle

Call 1-833-376-8436 if you require immediate assistance during business hours


Please note that Sovereign Insurance no longer administers claims for SOVCO Life – these policies are now managed by Manulife. For inquiries about your policy or to submit a claim, please contact:

Telephone: 1-888-841-6633 (Open Monday to Friday from 8:30 AM to 7:00 PM)
Email: ILC_ASC@manulife.com
Fax: 1-888-533-3330
900 – 900 de Maisonneuve Blvd W.
Montreal, QC
H3A 0A8

Sovereign's claims process

  • Step1


  • Step2


  • Step3


  • Step4


Step 1: Report

Report your claim to your broker

We encourage you to contact your broker, so they can help you report your claim and protect your business from further loss.

If you experience a loss, here are some steps to take:

  • Take reasonable measures to protect your property from further damage
  • If needed, report the incident to the authorities (e.g. Police, Fire, Ministry of Environment, etc.)
  • Document the details of your loss and be sure to include date, time, location, contact information, witness testimonial, etc.
  • If relevant, take photos and/or video to help explain the circumstances


And if you need extra help, contact us directly and we can get someone out quickly to assist.

Step 2: Review

Step 3: Evaluate

Step 4: Settle

To give you the best possible experience, we use cookies on our website. Read our Privacy Policy to learn more.