Insurance Agency
SGI (Saskatchewan Government Insurance)Complaints
This profile includes complaints for SGI (Saskatchewan Government Insurance)'s headquarters and its corporate-owned locations. To view all corporate locations, see
Customer Complaints Summary
- 18 total complaints in the last 3 years.
- 7 complaints closed in the last 12 months.
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Submit a ComplaintThe complaint text that is displayed might not represent all complaints filed with BBB. Some consumers may elect to not publish the details of their complaints, some complaints may not meet BBB's standards for publication, or BBB may display a portion of complaints when a high volume is received for a particular business.
Initial Complaint
Date:08/04/2025
Type:Customer Service IssuesStatus:AnsweredMore info
Complaint statuses
- Resolved:
- The complainant verified the issue was resolved to their satisfaction.
- Unresolved:
- The business responded to the dispute but failed to make a good faith effort to resolve it.
- Answered:
- The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
- Unanswered:
- The business failed to respond to the dispute.
- Unpursuable:
- BBB is unable to locate the business.
****** ** ** ********* ******** ***** ********* ******* ********* **** ** **** ****** ****** *** *** **** ***** ********** ******
Good day,
I was involved in an auto accident i filled a claim, which it's details are given above with my autoclaim Adjuster. The payment of $******(CAD) was claimed to have been deposited into my account with ****** **** by SGI on January 7th 2025 through but I never got the money, I have written series of mails and made a lot of phone calls to them to no avail and visited the bank severaly, submitted my complete statement of account to SGI to prove my point, without making a headway. The bank said no deposit was made and ******* also confirmed what the bank said when I called them that there was no deposit made to my account.
This brought me to the suspicion of a possible fraudulent activity to take my money. I am completely angry and frustrated, hence my complaint filing.
Will appreciate any form of assistance you can render to recover my money.
***** ***** **********Business Response
Date: 08/04/2025
SGI Claims and SGI Claims Support Services have reviewed the bank transfer and have confirmed that the payment was issued correctly from SGI. SGI was able to confirm the amount and that it was deposited into the account with Auto-deposit. SGI shows that the payment was made on January 7th, 2023 at 3:31 PM. Payment notice was sent to the customer via text (confirmed correct number) at 3:34 PM, and that the funds were deposited at 3:34 PM. SGI cannot recall or cancel this payment as it was already deposited into the account. With e-transfers since we use ******** and they are a 3rd party, we cannot provide the account number. The account numbers would also be protected by privacy.
It is possible that there was fraudulent activity with the customers bank account as to why no funds received. Customer was asked to discuss further with bank and to request an investigation to determine if anyone else has access to this account or has direct deposit set up into a fraudulent account. Based on SGI's review, the transfer was correctly completed.
Customer Answer
Date: 09/04/2025
Complaint: ********
I am rejecting this response because: Please find attached statement of account for january
Sincerely,
********* *****Business Response
Date: 09/04/2025
SGI is not disputing the fact that you never received the e-transfer. That said, SGI has confirmed that the e-transfer was properly processed and deposited according to our records. While this situation is unfortunate, it appears it may involve some fraudulent banking activity. SGI is unable to investigate bank fraud.Initial Complaint
Date:31/01/2025
Type:Customer Service IssuesStatus:AnsweredMore info
Complaint statuses
- Resolved:
- The complainant verified the issue was resolved to their satisfaction.
- Unresolved:
- The business responded to the dispute but failed to make a good faith effort to resolve it.
- Answered:
- The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
- Unanswered:
- The business failed to respond to the dispute.
- Unpursuable:
- BBB is unable to locate the business.
I changed my driver’s license to a Saskatchewan license. I surrendered my Alberta license as part of the process. On January 29, 2025 SGI issued a Saskatchewan license valid for five years. SGI sent a letter at the same time saying the license would be cancelled in 5 business days later on February 5, 2025 due to driving prohibition in British Columbia. The only way to avoid having the license cancelled would be to have the BC driving prohibition removed.
I researched the process to have the BC driving prohibition removed and found that documents need to be sent by mail, signed and returned to begin the process. There is no electronic option. Then the review committee then needs time to review the situation and make a decision. The process is expected to take 6 to 10 weeks.
I contacted SGI requesting an extension on the time before the Saskatchewan licence is cancelled. I spent hours on the phone, talked with supervisors, visted an office where the agent also tried to get a time extension. SGI is refusing to give reasonable time to deal with this.
Issuing a license that expires in 5 business days is an ignorant move. No government process can be completed in that time.
SGI is being unreasonable. This is jeopardizing my income and my ability to get the necessities of life.
* **** *** *** **** ** *** **** *** **** *** * ****** ****** ** ****** *** ************Business Response
Date: 05/02/2025
I reached out to have a Manager contact the customer. The Manager attempted to call the customer back with no answer. An email was sent to the customer indicating that SGI cannot provide an extension and that he would not be able to hold a Saskatchewan licence until he clears his suspension in B.C. The following was noted by the Manager:
Basically
there are no options, when he was issued a Sask licence, we did reciprocity
from Alberta, so that must have been the last jurisdiction where he held a
licence. After he was issued the licence the system does a cross Canada search
and it found that he was suspended in BC, therefore the suspension in BC needs
to be cleared before he can hold a Sask licence. We can not give any extensions
as this is a legislated requirement.
Section 41 of Traffic Safety Act states: A person is not
eligible to obtain a driver's licence if that person(s) is prohibited from
driving by virtue of any order, cancellation or suspension issued in any other
province or territory of Canada.Initial Complaint
Date:16/12/2024
Type:Customer Service IssuesStatus:AnsweredMore info
Complaint statuses
- Resolved:
- The complainant verified the issue was resolved to their satisfaction.
- Unresolved:
- The business responded to the dispute but failed to make a good faith effort to resolve it.
- Answered:
- The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
- Unanswered:
- The business failed to respond to the dispute.
- Unpursuable:
- BBB is unable to locate the business.
Filed a Claim in Sept 2024.
SGI is prolonging my full coverage for some damages that occurred naturally on a bad road. I have been interviewed on the phone with four different agents for SGI and recalling all details, explaining patiently over and over.
It has been over three months and I have no vehicle, paying for vehicle loan, paying monthly registration and now my policy has been due, but the price I've paid for full coverage seems null and void when i need to use it.
I did have full coverage at on claim date.
Three months.
I am paying registration. I have not renewed my Package policy as vehicle has been sitting for three months.
Three months for no services paid for, no insurance- my valuable insurance, time and my money spent for this insurance being denied.
I am not sure what to do, I was given the advice to contact this Bureau for a resolution.Business Response
Date: 16/12/2024
Claim
was submitted to SGI on October 9th. Estimate was completed and
additional follow up information was required and requested within 21 days. No
response from customer for additional 5 weeks, even with follow up requests
sent. Customer will have to work with claims department to provide the
required additional information for claim to move forward. Adjuster spoke
with customer on December 4th to again advise what is required.Business Response
Date: 19/12/2024
Good morning. I am the Manager for the Adjuster involved with this file. I reached out to the customer yesterday to explain the claim process. She seemed accepting of the explanation. The Adjuster intends to be taking next steps with her this week.Initial Complaint
Date:26/11/2024
Type:Customer Service IssuesStatus:AnsweredMore info
Complaint statuses
- Resolved:
- The complainant verified the issue was resolved to their satisfaction.
- Unresolved:
- The business responded to the dispute but failed to make a good faith effort to resolve it.
- Answered:
- The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
- Unanswered:
- The business failed to respond to the dispute.
- Unpursuable:
- BBB is unable to locate the business.
I was involved in a collision on February 17, 2023, which resulted in injuries, and SGI has been handling my claim. However, I’ve been transferred between multiple injury claim adjusters, leading to a lack of continuity. I am consistently the one who has to follow up, often sending multiple emails to get a response.
I returned to work after my surgery, but in October, I was advised by my occupational therapist to submit paperwork and photos to have my scar assessed, which I did. I also informed my adjuster about my planned surgery to remove the plate from my clavicle and an MRI for my lower back related to my pelvis fractures. These procedures are being done in the U.S. at my own expense. The adjuster stated they would need those records, but I questioned why, as I am covering the costs myself and do not intend to provide them.
In October 2023, I paid for an MRI of my pelvis in Canada after experiencing right leg numbness. SGI refused to cover this cost, claiming a doctor needed to assess whether the numbness was caused by my pelvis fractures. A doctor had ordered the MRI, but I paid for it myself to expedite the process so I could return to work.
To date, I have not received any response regarding payment for my clavicle surgery scar. I’ve repeatedly expressed to SGI my dissatisfaction with having to constantly follow up and remind their staff to fulfill their responsibilities.
I would like a manager be aware of my case, I have all the emails that prove how there has been multiple times of my case falling through the crack.
I did not cause this collision, * **** ****** **** ** ***** * ***** * ***** *** ********* ** ***** *** *** ******* ** **** ** ************* **** * ******Business Response
Date: 28/11/2024
Customer was contacted by the Supervisor to address her concerns. The Supervisor is going to be speaking with the Personal Injury Representative on file to move the Permanent Impairment review forward right away. The customer has also agreed to provide further medical documentation to be reviewed as well. The Supervisor is going to review the file with the Personal Injury Representative and discuss the customers concerns and have them move forward and work on her file to have the medical reviews completed right away.Initial Complaint
Date:25/11/2024
Type:Product IssuesStatus:AnsweredMore info
Complaint statuses
- Resolved:
- The complainant verified the issue was resolved to their satisfaction.
- Unresolved:
- The business responded to the dispute but failed to make a good faith effort to resolve it.
- Answered:
- The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
- Unanswered:
- The business failed to respond to the dispute.
- Unpursuable:
- BBB is unable to locate the business.
I purchased trailer insurance/registration for a month because I thought I would need to use trailer. The next day after realizing I did not need it, I called to cancel it and get a refund back. I called in and explained to the person who told me I needed to send an email with request to cancel including date in which I did. I then got an email confirming cancellation but that there would be no refund issued. I called in and spoke with a lady. I explained to her the same situation and she said I should have been told before cancellation that I would not get a refund back. I agreed and said if I knew I wasn't going to get a refund back I would have just left the insurance/registration on the trailer. Her response was yes, I understand and then told me if I paid the administration fee again it could be re-instated. * **** ** ********** **** **** ***** **** *** ****** ************ **** ****** ** *** **** *** ***** *** **** *** *** *** ******* ***** *** ** ********** *** ***** I then asked to speak to a manager. I was told that I couldn't but that I could request a call back from a manager for the next day which I asked to have done. It has been a week now 9 business days without a call back.Business Response
Date: 26/11/2024
I have reached out to ****** by email and provided a link to our cancellation fees.Customer Answer
Date: 26/11/2024
Complaint: ********
I am rejecting this response because:
This is the response I got from SGI and any further correspondence can be directed through the BBB platform......
Good Morning ******
I am responding to
your inquiry through BBB. I am sorry that you were not advised of a
cancellation fee, but there is a cancellation fee for any plate that is
cancelled. When you go to our website it indicates what
the cancellation fees are.
*****************************************
I am sorry for the misunderstanding.
***********************************************************************************************
My response was........
How convenient that the lack of SGI representatives providing proper
information over the phone to the client is a cost to the consumer.
That
lack of information doesn't resolve the problem that was caused by the
SGI representative. It may be a misunderstanding on your part, but it is
clear on my part that I wasn't given the proper information which was
also confirmed by the second SGI representative.
It
is also clear to me that SGI had no interesting in resolving this since
after 11 days with no call back I had to go through the BBB to get a
response.
*****************************************************************************************************
Further response is ........proving information "after" the situation wasn't professional. instead it should have been provided during the conversation on the telephone and prior to cancellation which would have been the proper procedure as the second SGI representative confirmed. The lack on SGI's part should not be my problem nor should it cost me money.
Sincerely,
****** *****Business Response
Date: 26/11/2024
HI ******
Again I am sorry you were not advised, your other option for one day would have been a 24 hour permit at a cost of $*****, As mentioned all cancellations are subject to the cancellation fees.
Customer Answer
Date: 26/11/2024
Complaint: ********
I am rejecting this response because:I wasn't looking for a 1 day insurance registration, but insured/registered and then not needing it, so figured I would cancel and get a refund. Had the SGI representative informed me that I would not get a refund, I would have just left the insurance/registration active on the trailer, but I was not informed by the person who cancelled it, yet the second person after calling in said I should have been made aware prior to it being cancelled so I would have known, but the negligence of the SGI agent cost me money. *** *** *** *** * ******* ** *************** *** ****** ******* ****** *** ** *** **** ***** **** ** ********* *** *********** ******** * ** *** ********* **** ** ********** *************
****** *****Initial Complaint
Date:21/11/2024
Type:Customer Service IssuesStatus:AnsweredMore info
Complaint statuses
- Resolved:
- The complainant verified the issue was resolved to their satisfaction.
- Unresolved:
- The business responded to the dispute but failed to make a good faith effort to resolve it.
- Answered:
- The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
- Unanswered:
- The business failed to respond to the dispute.
- Unpursuable:
- BBB is unable to locate the business.
Since 2017,sgi insurance has a check for $**, then November 13, 2024 i canceled a plate on a vehicle, refunded $***. Long story short, SGI was aware of ****** **** mail strike! They processed the $*** refund & sent it by mail, knowing their was a pending mail strike. I called them today, to ask what the issue was? I called 3 times and the issue wasn't resolved. If I don't receive the check within 30 days, they'll reissue a check? We live in 2024, we as customers pay electronic means,tap, debit! Why can't SGI repay customers through the same methods they collect payments from customers? ****** ** ********* ******* **** **** **** **** ***** *** ******** ********* ********** **** ***** **** ***** *** ***** ******** ********** Please assist me in getting my refund faster. ThanksBusiness Response
Date: 22/11/2024
The customer was advised of SGI's policies during the strike. In regards to the customers cheque, the SGI
direction is that these will be held until further notice (see below).
His refund of $** was applied
as a credit. He can use that on any future purchases (DL renewal, registration
renewal etc) or he can request to have a cheque issued. However, like above,
the cheque will stay in holding until the resolution of the strike or until SGI
determines an alternate method of delivery.The following is SGI's Policy for Refund Cheques during the ****** **** strike: Customer refund cheques less than $********* will be held at Head Office until further notice, and a decision on how to distribute will be made at a later date.
Customer Answer
Date: 22/11/2024
Complaint: ********
I am rejecting this response because: if sgi, can accept electronic payments from customers! Why can't they also refund customers in that same payment process? There policies are outdated and need to be changed to reflect modern payment process! They won't even pay for currier services! Its not a fair business practices at all! I'm not happy, that's money I can use for other bills or food. How do I as a customer deal with a Cooperation with out dated business practices? They've indicated i have to wait a month, before they'll do anything? Where's the intrest on that money that occurs from the delays? As a customer I'm left at their mercy. I'm not happy and hope your organization can assist in creating positive changes. Especially in a mail strike from ****** *****
Sincerely,
******* ********Initial Complaint
Date:06/11/2024
Type:Service or Repair IssuesStatus:AnsweredMore info
Complaint statuses
- Resolved:
- The complainant verified the issue was resolved to their satisfaction.
- Unresolved:
- The business responded to the dispute but failed to make a good faith effort to resolve it.
- Answered:
- The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
- Unanswered:
- The business failed to respond to the dispute.
- Unpursuable:
- BBB is unable to locate the business.
July 2024 I submitted an auto claim to SGI after my grill on the truck blew off and smashed my windshield. I had gotten my truck appraised ASAP after the incident. In this time frame ~2weeks, I had received a small rock chips on the already smashed up window. The SGI accredited appraiser had noticed the rock chips that happened after the original incident and denied the glass coverage on the original auto claim, requiring me to pay a second deductible and submit a separate claim. I had contacted SGI >3times for further information regarding this appraisal and everyone i got through to did not know how to handle the issue and kept me on hold for hours before just hanging up and making me start the process all over again.
I have a package policy on the glass and its not a crazy expensive bill to go with both claims but its a point of principle. This was 1 incident not 2 and its not right that i have to pay both.Business Response
Date: 19/11/2024
Attempts have been made to contact the customer to discuss the damages further with a claims supervisor. No response or call backs to date from customer. An additional review of the damages were completed by both the claims supervisor as well as the appraisal manager. The damages to the windshield are not consistent with the grill hitting it, but appear to be in relation with stone chip damage. Customer is entitled to proceed with both claims for damages.Initial Complaint
Date:19/07/2024
Type:Service or Repair IssuesStatus:ResolvedMore info
Complaint statuses
- Resolved:
- The complainant verified the issue was resolved to their satisfaction.
- Unresolved:
- The business responded to the dispute but failed to make a good faith effort to resolve it.
- Answered:
- The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
- Unanswered:
- The business failed to respond to the dispute.
- Unpursuable:
- BBB is unable to locate the business.
In April I found a condo I wanted to purchase, so made preparations for property insurance, and decided on SGI. I paid in full for the year April 29th through e-transfer for a policy that didn't start until June 13th.
Sometime in may I get an email from the SAME PERSON who sent my my receipt saying I had a payment due. I responded to her with my receipt pointing out she was the one who confirmed payment. She assured me it's been paid, and I went about my day.
Mid June I get someone call me, telling me I haven't made my payment. I email them the receipt and link them to the email chain I had with the first person. Again, I was told everything was sorted on the phone, and I went about my day.
July 8th, I get an email telling me my policy was cancelled for late payment, and was charged a $** cancellation fee.
I try to call into SGI, person on the line refuses to help me and claims the policy number I read out to him from the mail I got doesn't have my name on it (by the way, the first connection I made hung up on me without saying anything!)
So what do I want? A full refund on the $******, and proof that the cancellation fee is waived. Based on the track record I've demonstrated, they'll send this in collections and act confused about what has transpired.
******** ** *** ****** ** ** ******* *** **** ** ******** ** ******** ****** ******** ** ** *** ***** *** *** ************ ****** *** ****** ****** ** *** ************ *******Customer Answer
Date: 19/07/2024
Hello!
thank you for the swift response. The business has reinstated my insurance and given me physical proof of this. I will take that as a resolution.
No other action is required by them.
Initial Complaint
Date:17/07/2023
Type:Service or Repair IssuesStatus:ResolvedMore info
Complaint statuses
- Resolved:
- The complainant verified the issue was resolved to their satisfaction.
- Unresolved:
- The business responded to the dispute but failed to make a good faith effort to resolve it.
- Answered:
- The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
- Unanswered:
- The business failed to respond to the dispute.
- Unpursuable:
- BBB is unable to locate the business.
I had started a claim with SGI back on June 1st and have yet to reach a resolution. I had a vehicle that was damaged by taking on water during the rainstorm at the start of June. I managed to get my car to *** on June 2nd where the dealership did an inspection and told me the cost to address what they found. I then contacted SGI as it was an estimate for a substantial amount. My claim was opened, and my car was towed to SGI for "inspection". My car was not reviewed until June 12th. My car sat for 10 days that had a mechanical issue due to water. The SGI Inspection consisted of removing the air filter which sat in a bay for 10 days and that was the extent of the inspection. I asked my SGI contact, why no oil was drained or some internal inspection performed. They advised me that they are not Mechanics. If you didn’t have a qualified person perform the inspection, how are you rendering an informed decision on an internal mechanical issue of my vehicle? They then asked me to select a service mechanic to inspect my vehicle. Which was where I took it at the very onset of the issue who had already analyzed the problem and explained it to SGI. SGI asked *** to take photos, draw oil, and send them over as evidence. Why was this not done by their inspectors when it arrived? This process started 45 days ago. What has been going on since? My car has been sitting outside and festering in the heat. As I mentioned I moved, so I had to stop and collect a few items from my car and when I opened the door it smelled musty. So that tells me dirty water entered the car and dampened the carpet on the floor. SGI is pushing back against *** and their analysis which was given to them immediately. SGI asked for the vehicle to be inspected by an outside service department, but they are not heeding their advice. SGI has received the oil and photos and have still not responded a week later. It has now been 45 days on something that has a simple solution. Heed the advice of the subject experts.Business Response
Date: 25/07/2023
This customer's email to the BBB was also sent to the Manager of the claims branch on July 14, 2023. I spoke with the Manager today and confirmed that both he and the supervisor of the claims branch are aware of this customer's concerns and have been in contact with him to clarify some details of his complaint and move the claim forward. The Manager had called the customer on July 24, 2023 and left a message for him to call back so they can further discuss the process required for this claim and the next steps. The customer has not returned the call as of yet. The Manager also sent an email to the customer yesterday to request additional information and assure him that he will review and discuss the claim further with the supervisor this week. It appears that proper process is being followed to confirm coverage and the extent of damages to his vehicle. The Manager advised they will continue to work with the customer to address his concerns and try to move the claim forward to a resolution.Initial Complaint
Date:20/06/2023
Type:Service or Repair IssuesStatus:ResolvedMore info
Complaint statuses
- Resolved:
- The complainant verified the issue was resolved to their satisfaction.
- Unresolved:
- The business responded to the dispute but failed to make a good faith effort to resolve it.
- Answered:
- The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
- Unanswered:
- The business failed to respond to the dispute.
- Unpursuable:
- BBB is unable to locate the business.
SGI insurance took on my claim after a wind storm knocked two trees onto my house in November of 2021. A 50 foot section of a pine tree snapped and came down on my fence and deck, immediately after a 100 foot tall fur tree uprooted and came down directly on my roof above my kitchen. ****** had a contractor fix some broken trusses, they cut a corner and didn't pull the sheeting off my roof and fix one truss the whole length of the roof as per the engineers request. It would have been a massive undertaking and they ended up building the truss without taking the sheeting off the road side of my house. The result has lead to my roof having a massive bow in it, SGI insurance and ****** say the bow is an existing defect. I bought the house at **** ***** **** about 7 years ago and the roof was completely redone right before I took possession. At that time there was not a bow in the roof, where as now it is very evident that there is one. SGI and ****** are saying that it is existing defect and trying to close the claim without addressing this and returning my home back to me in much poorer condition. I have had no luck getting them to explain how this the case and how the tree did not cause the current defect in my roof as it is right where it landed on my house. There have been defects on almost every single job ****** has performed at my house in the process of fixing this, yet somehow nobody ( SGI or ******) will take responsibility our accountability for this mistake and they are trying to close the claim. I have told them that I will not accept this as "fixed" and they are not budging on their stance and that cannot provided any proof that this is an existing defect.Business Response
Date: 20/06/2023
HI *****
If you would like to reach out to me directly I can look into your concerns. My email is ***********@sgi.s.ca. Please forward me the email that you posted above so we have it on file outlining your concerns.
Thank you
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