Answers to the questions we hear most often, and a few that could save you a phone call.
A broker like me isn’t tied to one insurer. I compare coverage and pricing across multiple carriers, including top carriers like Aviva, Intact, and CAA, to find the best fit for you. It’s a convenient approach: you deal with the same person no matter how many times you call, and you’re never forced to stay with the same company at renewal or left to shop around on your own. That’s what my team and I take care of.
No. Brokers are typically paid a commission by the insurer, not a fee added on top of your premium. You get comparison shopping and advocacy at no extra cost.
Rates can rise due to factors outside your control, including claims trends in your area, vehicle or home replacement costs, or insurer-wide rate filings. At renewal, I review your policy and remarket it if a better rate is available elsewhere.
Contact me before or immediately after reporting to the insurer. I can walk you through the process, make sure you’re not missing anything, and advocate on your behalf if the claim gets complicated.
In most cases, yes. Bundling with the same carrier often reduces your overall premium and simplifies renewals. I can review your current policies and tell you exactly what you’d save.
It depends on your assets, liability exposure, and risk tolerance; there’s no one-size-fits-all answer. I do a full needs review before recommending coverage limits, rather than just matching your old policy.
I can usually take over servicing your existing policy without a lapse in coverage, then review it at your next renewal (or sooner, if it makes sense) to see if a better option exists.
Most personal line quotes are ready within an hour. Commercial lines can take up to 24 hours, depending on carrier response times and how quickly we have your information.
For personal lines: your driver’s license, vehicle or home details, and your current policy, if you have one. For commercial lines, it depends on the type of business; we’ll need detailed information to properly match coverage to your risk exposure.
I work with businesses of all sizes, including contractors (HVAC, plumbing, construction, electrical, handyman, painting), business owners with multiple vehicles, investors with multiple properties, and manufacturing units, anywhere in Ontario.
Get a quote within 24 hours of your inquiry.
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