Ontario and Quebec Insurance Brokers

A registered insurance broker is an independent insurance professional. Brokers sell general insurance including coverage for home, business, automobile, farm, boat, ATV, life, and otherwise. In Ontario, insurance brokers are governed by the Registered Insurance Brokers Act of Ontario.

Unlike an agent, an insurance broker does not work directly for an insurance company or financial institution. Brokers act as an intermediary between an insurance provider and the client, and can act to represent your best interests when negotiating a contract. They can offer independent, unbiased advice.

A deductible is a set amount you are responsible for paying in the event of you need to make a claim. The insurance company covers the remaining amount.

You can talk to your insurer about increasing your deductible, removing any policies you find unnecessary, or bundling multiple insurance policies.

You will likely save money on your premiums and optimal coverage for everything you own. Your insurance company will be able to better understand your needs in all areas.

In both Ontario and Quebec, car insurance is mandatory. Policies are required to have third-party liability (up to $200,000 is recommended in Ontario, and up to $50,000 is recommended in Quebec), statutory accident benefits, direct compensation-property damage, and uninsured automobile coverage.

Absolutely. We can tailor an auto insurance plan to suit your needs. Optional coverage can protect your vehicle against damages not caused by collisions, like fire and theft. If you are living in the downtown Ottawa area and working as a ride-share driver, you can even arrange a policy to protect you, your vehicle and passengers throughout your trips.

As a general rule, any vehicle that will be driven on property that is not your own should have insurance on it. This includes snowmobiles, ATVs, and motorcycles (which require a license to drive).

We offer insurance for tenants, cottage and seasonal properties, and also your home. We know the Ottawa area well and are happy to help you find the right policy for your needs!

Everything from your electronics to furniture can be covered under a tenant insurance policy. While this type of insurance is not mandatory in Ontario or Quebec, it is effective at protecting almost all of your belongings should something happen to them in the place you are renting.

Most policies cover damages caused by theft and natural disasters. With our personalized service options, we can also cover plumbing accidents, special belongings and man-made mishaps.

The two are actually considerably different. Some factors that influence your cottage policy might be how you use your cottage, how often it is occupied, or if you rent it out. Policies typically don’t cover contents or watercraft, meaning you might need multiple insurers. Our Ottawa insurance brokers will find you the best policies to suit your needs, and we’ll gladly look for any additional coverages available as required.

Whether you founded a start-up company or have a small-to-medium-sized business with several employees, commercial insurance is vital to protecting it and your staff. We offer various packages to suit your business’ unique needs, along with quotes to help you fully understand how our policies can assist.

It’s never too early to open a policy. We offer connections that can answer any non-broker insurance questions you may have and point you in the right direction. We can then connect you with life and health insurance options to best suit your future and well-being.

This type of coverage is always a good idea for a worry-free vacation. Anything can happen at home or abroad, and the peace of mind knowing you are protected is priceless. Our trusted partner, SecuriGlobe, can provide quotes regarding both travel and health insurance.

We know that accidents and unforeseen events don’t always happen at the best times. That is why we have a direct emergency line to your insurance company, so you can file a claim at any time of day or night. Connecting with your immediate provider sooner rather than later can help the claims process go more smoothly.