Your Broker Advantage

PERSONAL ATTENTION

As life changes, so do your insurance priorities. Whether it's getting your first car or buying a house, we understand that each situation is unique to you, just as your insurance needs are unique to your situation. That's why we dedicate our attention to learning about what matters most to you.

By staying in touch with your changing priorities, we can ensure that you get the best coverage to fit your insurance needs, whatever stage you're at in life.

We've highlighted six distinct situations in which we specialize, each involving a different set of needs, to show how we can help.

First car

We know which insurance companies offer the best products for young drivers like you, and we’ll get you the right coverage for the right price. We can help you stay covered if you just got your licence, just got your first car, just bought a new car, or have never been insured before.

Experience Counts

It makes sense that experienced drivers should pay less for their insurance. Statistics show that experienced experienced drivers are far less likely to be involved in serious collisions than younger drivers. So our policies reward experienced drivers (who have clean driving and claims records) with low rates. Because no two customers have identical needs, we shop the insurance market to find the right car insurance plan for you.

Growing family

Just married? Starting a new job? Having a baby? Just bought a house? Whatever the situation, finding the right balance for your shifting insurance priorities can be daunting. As your Insurance Shopper, we deal with many insurance companies and can offer a range of flexible options that get you the right coverage for the right price.

Leisure vehicles

Your homeowners policy covers a lot. But if you’re serious about boats, ATVs, motorcycles, RVs or classic cars, you need specialized coverage that you just can't get with a standard homeowners policy. As your Insurance Shopper, we’ve got the best coverage plans and programs to protect your leisure assets. Whether you’ve got a snowmobile, personal watercraft, motor home, or antique automobile, we’ve got you covered.

Small business

Your business is more than a job — it’s a big part of your life. If something goes wrong, you need financial protection to save not only your business but also your personal financial well-being. As business owners and insurance experts, we know that every business has different insurance needs. No matter what business or industry you’re in, we'll assess your risks and make sure you get the right coverage for the right price.

Unlucky Driver

If you've been unlucky, let us find you the right coverage at the most competitive price. We have access to a wide range of insurance products from a variety of insurance companies. We specialize in assisting the unlucky driver and people who find it hard to get insurance. Put our knowledge, experience and range of insurance options to work for you. No driver or no car refused. We can help drivers with previous claims, accidents, multiple tickets, license suspensions, impaired driving convictions, insurance cancellations and hard to insure vehicles.

Community

We value a strong community spirit. Right across the province, you’ll find insurance brokers like us sponsoring, coaching and cheering local sports teams, volunteering for charity events, serving community organizations and supporting the local economy. When you deal with a local broker, you're investing back in your own community.

 

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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...

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...

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 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...

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...

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.

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

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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.

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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.

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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.

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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.

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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.

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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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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.

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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.

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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.

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

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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.

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

Find a Broker in your area.

Did you know...

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Find a Broker in your area.

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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 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.

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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.