The Business Recognition Program is a Saskatchewan Government Insurance (SGI) initiative that encourages safe driving. Businesses with a good claims history earn discounts on their basic vehicle insurance, while businesses with a faulty claims history pay more. You can find details about the program on SGI's website.
At-fault accidents have a negative effect on a business's claims history, which affects their Business Recognition assessment. If a business believes there are reasons, related to a specific at-fault accident, why their assessment should not be negatively affected, they can make an appeal to the Highway Traffic Board (HTB) for an adjustment.
During an appeal, the onus of proof is on the business to justify why the at-fault accident should not negatively affect their assessment. The HTB must be satisfied that there were extenuating circumstances that would make it unfair to include the claim in their assessment. The business must also be clear about what policies and procedures they have in place to help prevent at-fault accidents.
How to File an Appeal:
- Visit a motor licence issuer for information on how to file an appeal with the HTB. You will be charged $100 for each claim you appeal.
- Wait to hear from the HTB. They will contact you to schedule your hearing once they receive the required documentation from SGI.
- If you have any additional information or supporting documents, provide them to the HTB a minimum of two business days before your hearing.
What to Expect at the Hearing:
- Your hearing will take place during the day, by phone, and last about 20-30 minutes.
- The people involved in the conversation are you, two board members, and a hearing coordinator who takes notes and notifies you of the decision.
- Following your hearing, the HTB will either maintain or reverse SGI's decision.
- You will be notified about the decision shortly after your hearing.
- If your appeal is successful, the claim is removed from your Business Recognition assessment and your fee will be refunded.
- The decision is final and cannot be appealed.