Personal insurance – for your home, auto, seasonal dwelling, or more - is one of the key building blocks of your financial planning.
A major loss without adequate protection could devastate your future. Don’t let this happen to you or your family. You can enjoy peace of mind by having a broker arrange both your auto and property insurance. This is vital in making sure you are informed about your choices, have no gaps in coverage, as well as allowing you to receive all of the discounts to which you are entitled.
Automobile Insurance is mandatory in the province of Ontario, and is regulated by the provincial government. It must be purchased for any licensed motorized vehicle. Certain coverages are required by law and additional coverages may be purchased to enhance your policy. Through our office, good drivers can qualify for discounts which can add up to over 50% off of your premium! Seniors may save even more!
Standard Auto Insurance High Risk Auto Insurance Collector Car Insurance Motorcycle Insurance Motorhome Insurance Travel Trailer Insurance Snowmobile Insurance ATV Insurance
There are many different packages available to you as a property owner. As an insurance broker we will look at your insurance needs and design a package that is right for you. There are many floaters that may also be added to your property package to cover special items you may have (eg. jewellery, furs, fine art, watercraft). Some of the above are covered under your main package but may contain limits. It is important that you know what the limits, the exclusions and the perils insured are on you policy so that in the case of a loss you are covered. All property packages also carry a deductible which the insured is responsible for in the event of a claim.
Some of the basic types of property insurance are:
Rented Dwelling Insurance
Boat Insurance – can be written on its own policy, or added to a property policy
Whether you have a large commercial enterprise, or a small part time business, your insurance broker needs to understand the individual characteristics that are specific to your operation.
Our commercial lines brokers are ready to assist you in putting together an insurance program that will limit your exposures and control losses while providing competitive premiums and coverage.
Remember, your business is unique and you deserve a thoughtful, custom made solution to reduce your risk, save you time and money. We have the experience and resources to give you the attention you deserve.
We offer the following types of commercial insurance:
Business & Professional Services Hospitality
Retailers & Wholesalers Manufacturers
Commercial Automobiles: Fleets and Individual Vehicles Short & Long Haul Trucking
Garage (Repairs, towing)
Commercial Bonds (Fidelity, permits, licenses)
Contracting Bonds (Bid Bonds, Performance Bonds, Supply & Materials Bonds etc.)
Professional Liability (Errors & Omissions)
Design & Build Liability (Bill 124)
Directors & Officers Liability (For Profit and Not-For-Profit) Environmental Impairment Liability (Pollution)
Rooming Houses Student Housing Builder’s Risk Cargo
Spas and Salons
Party Alcohol Liability/Event Liability Hole-In-One Insurance
Your farm is actually a complex business that requires a thoughtful approach to insuring your operation. We are able to place agricultural risks through the several farm insurers, including Tradition Mutual Insurance, North Blenheim Mutual Insurance, South Easthope Mutual Insurance, and Western General Insurance. These companies all have roots that go back well over 100 years, and are very active and knowledgeable in the local area. With the support they provide, we know that we can build you a farm policy that will meet your needs. We can even offer a thorough risk inspection as part of your policy. This can help identify opportunities to establish proper values for your property, reduce risk and ensure safety at your premises for both your personal and agricultural operations.
We have the ability to offer coverage that includes the following:
Antique Farm Equiptment
Livestock Mortality Liability
Our main insurance partners include:
Western General Insurance
Guarantee of North America
South Easthope Mutual
North Blenheim Mutual