What is insurance? Why do I need it?

Insurance has many forms and functions but just one purpose, to provide peace-of-mind.
Four good reasons to insure:
In some cases insurance is mandatory – to obtain a mortgage for example or to drive a car. Otherwise, the choice is yours, but it's a wise choice for four main reasons:

  • Reduces worry. With the right type and amount of insurance, you can be protected from the risks to property and person that are inherent in everyday life.

  • Makes it easier to obtain credit. Lenders may be more willing to extend personal or commercial credit if they know that proper insurance is in place. More….>


How do I get an auto quote?

Whether you are transferring your insurance from another province, seeking to change insurers or owning a car for the first time, the process of getting an insurance quote can be daunting. In general, the more the insurer knows about you and your driving record, the better off you will be, even if your record is less than perfect. Full disclosure at the beginning will save any risk of misrepresentation if you do need to make a claim in the future. This is an area where your broker can be of particular assistance, helping you to navigate the terrain. There are three main categories of information required: More…>

What home policy is right for me?

Your home should be insured from the moment you take legal ownership–even if it is under construction. Your broker's expertise is particularly useful at this stage when you really need to match policy features with needs. Here's a primer to get you started:

Home insurance covers the building, its contents and liability There are usually three parts to your homeowner's policy. For condominium owners and tenants, just the contents and liability coverages apply: More…>


Who need business insurance?

Every business has unique requirements
Your commercial insurance should be designed to protect against the most prevalent risks to the assets and capital in your business.Your broker can help you itemize and quantify those risks, and determine the level of coverage you should consider. Risks include: property loss, liability loss, personnel loss, net income loss …Read more….>