Your Broker Advantage

WHY USE AN INSURANCE BROKER?

Here's why!


You have the right to Choose

Independent insurance brokers have been the first choice of insurance buyers for almost 90 years. When we say independent, we mean independent. Independent brokers do not work for the insurance company, they work for you. If you’re not sure, just ask.

You have the right to Insurance As Individual As You Are

Our insurance brokers choose which companies they represent — which means you get more choices and more coverage options. In fact, some insurance companies and their products are only available through an insurance broker. More choices mean better products and better coverage to meet your insurance needs and save you time.

You have the right to Expert Insurance Advice you can trust

When you deal with an insurance broker, you get a highly skilled and licensed professional who puts your interests first. Professional competence, ethical conduct and current insurance knowledge make a licensed broker a choice you can trust.

You have the right to Personal Attention

No two people are alike, and no two people have the same insurance needs. As brokers, we take the time to learn what matters most to you. Independent insurance brokers simply have the widest choice of products to meet your needs. And, as your needs change, we make sure you stay covered.

You have the right to have someone On Your Side

As insurance brokers, we understand the stress and confusion when a claim occurs. Since we work for you, not the insurance company, we’re on your side when you need help the most and we’ll guide you through the claims process.

You have the right to Local Help

Insurance brokers are committed to helping people in their community through sponsorships, fundraising, coaching or cheering. With a local insurance broker, you get specialized knowledge, personal attention, quality service, and a commitment to you and your community.

 

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Did you know...

By duplicating your business records and storing them off-site, you will have documents to substantiate any business interruption loss in the event that your premises are damaged.

You can protect your computer and its data by backing up data and programs on a regular basis and storing them off-site in a secure location.

Did you know...

If you experience a loss that exceeds your deductible, ask your broker what the impact might be on your premiums if you make a claim. The best advice might be to absorb the cost yourself in exchange for lower premiums in the long term.

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Did you know...

When damage cause by objects tossed around or knocked down during a storm (i.e. patio furniture), the property owner of those items isn’t held responsible. The onus is on the homeowner whose property sustained the damage to draw on their insurance coverage.

Did you know...

Don't assume that once you have a policy you are covered for everything. Ask us to explain the details.

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Did you know...

If you participate in a time-share using your home or you rent out your cottage, you must tell your broker. These activities represent an increase in liability and risk to the property and may require additional insurance.

Did you know...

An ounce of prevention goes a long way. Ask us about arranging a complete loss-prevention audit to identify possible hazards in your operations and to suggest improvements and optimum coverage.

Did you know...

Loss of income due to closure of your business location is based on previous earnings. When buying business interruption insurance, though, it’s based on a projection of future earnings. It makes sense since you don’t want to have your losses based on what you made during your first year in business – ten years ago.

Did you know...

Finding a broker who understands your needs is an important first step to being properly insured. Take the time to find someone you feel comfortable with.

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Did you know...

You can purchase an umbrella liability policy that provides additional liability coverage to your home and car insurance. For example, if you have $1 million on your home and $1 million on your car but don't feel it is sufficient, instead of adding $1 million to each, you can buy an umbrella liability policy for an additional million that covers both.

Did you know...

Driving while fatigued can be just as fatal as drinking and driving. Make sure to be well rested before your trip, and if you're tired, don't drive.

Did you know...

Your home insurance policy may provide extended coverage for your rental property as well. Ask an independent insurance broker what policy terms you need for your rental property.

Did you know...

If you are not sure about your coverage, it’s better to give us a quick call than to guess. Remember, if you’re not covered and an accident occurs, the insurer is not obliged to pay.

Did you know...

The bigger the bike (and engine), the more it will cost to ensure since insurers will have to factor in the replacement cost of the bike. The type of bike you choose will impact on insurance premiums, so find out how your bike rates.

Did you know...

Using a cell phone while driving can reduce driving performance more than having the maximum legal level blood-alcohol level (80 mg/100ml).

Did you know...

Many companies will only insure your vacation property if you already have a homeowner’s policy with them. Talk to your broker about purchasing a separate, stand-alone policy.

Did you know...

If you run a home-based business, you may not need to purchase a stand-alone business policy. Your insurance broker may be able to add a rider to your existing home insurance policy to provide additional coverage for your home-based businesses.

Did you know...

When it comes to insurance, there is no question too basic. If there is anything you don’t understand, don’t be afraid to ask us. We are here to help.

Find a Broker in your area.

Did you know...

When it comes to insurance, there is no question too basic. If there is anything you don’t understand, don’t be afraid to ask us. We are here to help.

Find a Broker in your area.

Did you know...

Finding a broker who understands your needs is an important first step to being properly insured. Take the time to find someone you feel comfortable with.

Find a Broker in your area.

Did you know...

Finding a broker who understands your needs is an important first step to being properly insured. Take the time to find someone you feel comfortable with.

Find a Broker in your area.

Did you know...

If you experience a loss that exceeds your deductible, ask your broker what the impact might be on your premiums if you make a claim. The best advice might be to absorb the cost yourself in exchange for lower premiums in the long term.

Find a Broker in your area.

Did you know...

Finding a broker who understands your needs is an important first step to being properly insured. Take the time to find someone you feel comfortable with.

Find a Broker in your area.

Did you know...

When choosing a broker, make sure to find one who is willing to take the time to understand your insurance needs and recommend the right policy options for you.

Find a Broker in your area.

Did you know...

One of the best ways to find a broker is to ask family, friends or work colleagues that you trust for a recommendation.

Did you know...

Your home inventory list is an important document, so it’s a good idea to keep a printed copy in a safe deposit box at another location, such as with a friend or at your bank. Also, save a copy on your computer and a back-up copy on a flash drive stored elsewhere. Or email the list to a close friend or family member.

Did you know...

Students living away from home while completing their studies are likely covered by their parents’ home ownership policy for any damage to rental space or its contents. That may not be the case if you’ve permanently moved out, so talk to your independent insurance broker to make sure you’re covered.

Did you know...

Insurance involves technical terms that can be baffling. These terms help to make policies precise but don’t always help to make them clear. Don’t be afraid to ask us to explain terms that you don’t understand.

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