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Insurance agents represent a single insurance company. They act as sales representatives for insurers. On the other hand, insurance brokers represent you, the client. Insurance Brokers have access to multiple companies and help provide many choices at varying price points to suit your insurance needs. Both agents and brokers are paid commissions or fees by insurance companies.

Insurance brokers work for their customers, whether they are individuals or businesses. They research the market for coverage options, share those options with their clients, and then help them apply for and purchase coverage from insurance companies.  Brokers also shop renewals amongst all the companies they have access to each year. They can also help assess risks and provide claims assistance.

• An insurance broker solicits, sells, and negotiates insurance contracts to clients. Their job is to survey the market, get quotes, and share options for customers to choose from.
• Typically, they help individuals or businesses find and purchase car insurance, home insurance, business insurance, and farm insurance.  They are regulated by RIBO (Registered Insurance Brokers of Ontario) in Ontario and must obtain the licenses required to operate.

We work with many different insurance companies and each company offers a variety of different payment options. Some of these options include monthly pay plans, 3 pay plans, payment in full, credit card payment, Interac E-transfer, and online payments. Let us know which plan works for you and we will help you find a solution.

Some reasons to use an insurance broker include:

• Insurance Brokers help you find insurance companies and policies that suit your needs and budget.
• Brokers have access to numerous insurance companies, and can offer you several different options for coverages and price.
• Brokers are licensed and educated professionals who provide the advice you need to help you make the best choice.
• An insurance broker acts as your advocate in the event of a claims situation. 

No, we invite you to contact us for a free, no obligation quote.  We will check all our markets and provide you with various options for coverage.

There are several factors that can affect how much you pay for automobile insurance. A few of these factors include: the type of vehicle you drive, the experience levels of each driver in the household, your accident history, and the year, make, model, and body type of the vehicle.

We cover the following classic vehicles: limited editions, rare & exotics, supercars, custom builds, collectibles, retired commercial vehicles, retired military vehicles, and antique tractors.

You can learn more about the types of classic vehicles we cover on our Classic & Specialty Car page.

We can cover anything from motor homes, pop-up campers, fifth wheel campers, travel trailers, park model trailers, and many other recreational vehicles (RVs).

Learn more on our RV and Trailers page.

If you need to submit a claim outside of regular business hours, our insurance partners can be contacted 24/7 at the following phone numbers: 

• Premier Marine, 1-866-462-3650 
• Travelers Canada, 1-800-661-5522 
• Portage Mutual, 1-800-340-2439 
• Westminster Mutual, 1-877-488-6642 

If you are involved in an accident, you should collect the following information:

•  Pictures/videos of the scene
•  Date and time of accident
•  Location of accident
•  How the accident happened
•  Damage to your vehicle
•  Damage to other vehicle(s)

If another driver or drivers were involved, make sure that you have their:

•  Name and driver’s license number
•  Insurance company and policy number
•  Owner’s name, address, and phone number
•  Vehicle year, make, model and plate number

If you have just been involved in an accident, the most important thing to remember is to stay calm. You should then check for injuries and contact the police immediately if someone is injured or if the total damages appear to be more than $2,000.

You can learn more about what to do in the event of an accident on our accidents page.

The typical sporting vehicles that we cover include four wheelers, snowmobiles, utility terrain vehicles (UTVs), and many other all-terrain vehicles (ATVs).

Learn more on our ATV & Snowmobiles page.

There are several factors that can affect how much you pay for automobile insurance. A few of these factors include: the type of vehicle you drive, the experience levels of each driver in the household, your accident history, and the year, make, model, and body type of the vehicle.

If you are submitting your claim during normal business hours, you can contact us directly via phone at (519) 268-3535 and one of our claim’s adjusters will support you throughout the process.

For more detailed information, visit our How to Submit a Claim page.

We can cover any kind of boat including fishing boats, pontoons, power boats, power cruisers, jet boats, personal watercrafts (Jet Ski/Seadoo), and sailboats.

You can find more information on our Boats page.

If your property was damaged or broken into, you should do the following:

• Document exactly what happened
• Note the time and location of the incident
• Take as many pictures/videos of the damage as possible
• Make a list of any items that are damaged or missing
• Keep all receipts of any expenses associated with the incident
• Keep a record of any investigating officers including name, badge number, and occurrence number.

Our insurance partners do offer discounts for higher deductibles, contact one of our brokers and we can price out different deductible options for you.

Most of our insurance partners will provide a discount after you have been claims free for 3 or more years. The claim will be considered on your record for 5 years in total.

Your home is insured to the amount of coverage needed to rebuild your home from scratch in the event of a total loss. This factors in things like labor costs, debris removal and material costs. It is often higher because it is serving a different purpose than a tax assessment or a real estate evaluation.

Tenants insurance is for people who rent their living space, it covers liability as well as coverage for your personal contents.

Rented dwelling insurance is for people who rent out their property or properties to others. It covers liability as well as coverage for damages or theft.

Cottage insurance is for people who own a second vacation home that they either use themselves or rent out to tourists. It covers liability as well as coverage for damages or theft.

Yes, we help clients bundle their home and auto insurance policies all the time – it’s actually a great way to save on the overall cost of your insurance.

• If your property has just been damaged or broken into, the most important thing to remember is to stay calm. You should then check for injuries and contact the police immediately if someone is injured or if you are in danger.

• Once everyone is safe, you should secure the property by double checking that all windows, doors, and gates are intact. If your property has been severely damaged, contact an emergency claims service provider immediately.

• You can learn more about what to do in this situation on our Property Damage or Theft page.

Condo insurance is for people who own a condominium. It covers liability and contents as well as any upgrades you make within your condo or any assessments levied against you by your condo corporation in the event your condo corporation is under insured.

Sewer back up coverage also includes the backing up of sewers, septic, drains, eavestrough and downspouts.

• If you are submitting your claim during normal business hours, you can contact us directly via phone at (519) 268-3535 and one of our claim’s adjusters will support you throughout the process.  

• For more detailed information, visit our ‘How to Submit a Claim’ page.

If you need to submit a claim outside of regular business hours, our insurance partners can be contacted 24/7 at the following phone numbers: 

• Premier Marine, 1-866-462-3650 
• Travelers Canada, 1-800-661-5522 
• Portage Mutual, 1-800-340-2439 
• Westminster Mutual, 1-877-488-6642

There are several factors that can affect how much you pay for business insurance. Some of these factors include what your annual turnover is, how many people you employ (and their wages), what industry you are in, and the physical location of your premises.

Farm policies can cover anything from your livestock, farm vehicles, tractors, buildings, and produce.

Travel insurance plans can cover a range of scenarios including emergency medical services, trip cancellations, and trip interruptions.

There are several factors that can affect how much you pay for travel insurance. A few of these factors include: the age of those traveling, the duration of your trip, the location(s) of your trip, and the types of activities you have planned.