Personal Insurance Products

Life insurance is a great support for your family when you change jobs, have a baby or meet with sudden death. It helps to secure the financial future of your family in your absence. In Canada, the beneficiaries of your life insurance are not taxable by law. If you are survived by your wife and children or other family members, they can use the life insurance benefits they receive after your death to pay for your funeral, pay off debts and loans, pay for the education of your children, and even use it for daily expenses and to maintain their lifestyle.

Business Insurance Products

Professional liability insurance (also known as Professional Indemnity Insurance) protects professionals against alleged negligent acts, inaccurate advice, malpractice, misrepresentation, violation of good faith and fair dealing, as well as errors and omissions in the performance of professional services. This protection is in addition to coverage from typical general insurance policies. Professional liability insurance policies are generally set up based on a claims-made basis, meaning that the policy only covers claims made during the policy period.

Frequently Asked Questions

Q: Do brokers charge more for insurance?

A: The insurance premium you pay as a customer does not change if you go through an insurance broker. Your broker is there to make sure you receive the best possible coverage and service available. They draw on the various insurance companies they represent to source the best possible quote on your behalf, using their competitive leverage. Their compensation does not come from your pocket, keeping your policy pricing as low as possible.