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We offer a full line of home and auto insurance products. Our goal is to maximize your coverage and maintain your costs at reasonable level. By upgrading your home insurance coverage we can eliminate costly riders.
Use of discounts, deductibles, and security measures to reduce your costs.
By using cost efficient enhancements to the auto insurance product, we can minimize the effects of claims on your auto insurance costs.
Homeowner Policies
Condominium Policies
Tenant Policies
High Value Home Market
Auto Insurance
Umbrella Liability
Watercraft
Premium Payment Plans
Limits From $100,000 - $5,000,000
Deductibles as low as $500
Comprehensive Wording - Eliminates the need for expensive scheduled items
Fur & Jewellery limits start at $5,000 without being scheduled
Unlimited Silverware
Guaranteed Replacement Cost on Building
Replacement Cost on Contents
Property In Transit and Off Premises insured for full value
Coverage for Students away from home
Mass Evacuation coverage
Water Damage including Sewer Backup
Unlimited Fine Arts & Collectibles
Liability limits from $1,000,000 - $7,000,000
Insurers are all financially stable.
At our office, you deal with your own broker every time you call.
We follow up on any claims made by you.
Our Claims procedure:
We take a claim from you and advise you to contact us if you have not been contacted by the adjuster within 24 hours (8 Business Hours).
We contact you in 1 day to review the status of your claim and ensure you understand the process and answer any questions you may have.
If everything runs smoothly, we don't contact you again unless you have problems. If you are having problems later, we ask you to call us and speak to your broker who will intervene and help to resolve your problem.
Discounts we offer:
Alarms - Burglar and Fire
Claims Free
Loyalty Discounts
Mature Policyholder
Mortgage Free Homes
Renewal Discounts
Two Policy Discounts

Contents Limits from $30,000 - $1,000,000
Deductibles as low as $500
Comprehensive wording - eliminates the need for expensive, scheduled items
Fur & Jewellery Limit - $5,000 Unscheduled
Unlimited Silverware
Liability Limits from $1,000,000 to $7,000,000
Replacement Cost on Contents & Improvements
Loss Assessment Coverage in case you are assessed by your Condo Corporation for a fire loss which cost them money due to deductibles or underinsurance.
Contingent Unit Owner's coverage provides coverage for loss to the building portion owned by the condo, which you occupy. This ensures repair to the building where your unit is situated.
Property in Transit and Off-Premises on a worldwide basis.
Water Damage including Sewer Backup

Limits from $20,000 to $1,000,000
Deductibles as low as $500
Comprehensive wording - eliminates the need for expensive scheduled items
Fur & Jewellery limits - $5,000 Unscheduled
Unlimited Silverware
Liability Limits - $1,000,000 - $7,000,000
Replacement Cost
Property In Transit & Off-Premises
Water Damage including sewer backup
Unlimited Fine Arts & collectibles
You deal with your own broker every time you call. We follow up on any claims made by you.
Discounts for mature policyholders and multiple policies with the same insurer. Alarm and claims free discounts as well.
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Unparalleled coverage in the Canadian insurance market. We don't just quote a price. Each client is handled individually so that coverage is maximized with personal service.
- Limits as high as $5,000,000 on your dwelling.
- High liability limits to $7,000,000 for personal liability. Coverage applies worldwide.
- Deductible limits offered to optimize your coverage versus premiums.
- Full Guaranteed Replacement Cost on Building.
- Full Replacement Coverage on Contents
- High Jewellery limits available.
- Building appraisals performed at no cost to you.
- No sublimits on:
Silverware
Fine arts
Property in Transit
Property Temporarily off Premises.
- Comprehensive advice to provide maximum coverage while moderating costs.
- Discounts for:
Burglar and Fire Alarms
Claims Free Policies
Loyalty Discounts
Mature Policy Holder
Mortgage Free Homes
Two policies with the same insurer
We can also insure your ATV's, Skidoos, Personal Watercraft, High Speed Boats, Cottages, Trailers etc.
- High Liability limits available
- Deductible levels to suit your needs
- Recommendations to you to ensure you are getting value for your money as follows:
Higher deductibles for high value vehicles
Deletion of physical damage on older vehicles
Advice regarding reporting claims where the claim is minor and might adversely affect your record
Advice regarding accident benefits coverage
- Discounts include:
Multi-policy discounts in conjunction with home, tenant or condominium insurance
Multi-vehicle discounts
Age of driver credits
Driving school credits
We only deal with financially stable insurers to ensure your premiums are reasonable and stable over time.

Personal Umbrella Liability
This does not provide protection for umbrellas. What it does do is provide increased liability limits over and above your personal and automobile liability insurance policies.
Many companies will not give you limits higher than $2,000,000 on your personal or auto insurance policies. In order to get higher limits we provide Umbrella Liability policies. The cost starts as low as $85 and the rates depend on the number of autos, properties and watercraft you own.
A major Car accident can result in large sums owing to third parties.
A skiing accident can result in a severely injured sportsman.
Someone could fall and hurt themselves on your property.
Hull Limits up to $1,000,000.
Protection and Indemnity (Liability) limits to $7,000,000.
Contents on board can be covered.
Replacement Cost on Hulls under 15 years of age.
Depreciated cost on older vessels.
Medical Expenses included.
All fixed equipment included in the Limits.
Trailers can be added to coverage.
Smaller boats can be added to your home, condo or tenant insurance policy.
All boat types can be covered including Personal Watercrafts (Jet Skis) to Yachts.
Not everyone can pay their premiums upfront. That's why we offer a number of payment options to our personal and commercial customers.
Payment Plan Options:
One lump sum payment for the entire policy premium
Monthly withdrawals from your chequing account
1/3 Installments with 1/3 payable on inception, 1/3 due 30 days from inception and 1/3 due within 60 days. There is no charge for this option.
Quarterly Installments
Credit Card Payments
Privacy Policy
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