Personal Insurance Products

You've worked hard to purchase your possessions - whether a car, a home, a condominium, fine furniture, electronics, jewellery, a boat, or a cottage, just to name a few possibilities.  You don't have to work hard to make sure they're properly protected should a loss occur - that's our job.  We'll help you set up an insurance plan that is the right one for you, and will do it at a price that is very competitive.

Once you've got your policy set up, our services have just begun.  Whenever you have questions, we'll be happy to help you.  When you need to change your policy, we'll be there to make sure it's done correctly and promptly.  When your policy renews, we'll check to make sure it's still the right one for you.  If it is, we'll renew it for you.  If not, we'll make it as easy as possible to complete the recommended switch.

If a loss does occur, we'll be here to help you notify your insurance company, and to offer guidance and advice.  Should you experience any delay in claim service or have any other  concerns about the handling of your claim, we'll be here to speak up on your behalf to your insurance company.

Business Insurance Products

Owning and operating your own business can be a very rewarding and exciting pursuit.  It can also result in lots of stress from trying to make sure your hard work is protected.

Let us help you make sure that, in the event of a loss, the business you've worked so hard for will be properly protected.  You want to know that your business will be able to continue providing you with enjoyment and rewards.

We're small business people ourselves, so we understand your needs and concerns.  Whether you have an office, a store, a restaurant, a garage, a commercial building, or some other business operation we have excellent all-inclusive coverage packages that provide peace of mind for you.  We also have excellent small contractor packages, some that even offer coverage for the breakdown of your equipment. 

Your furniture, equipment, stock, electonics and computer systems all need protection.  Do you know that you can insure your furnace and air conditioning equipment, electical panel, computers and electronics against electrical or mechanical breakdown?  The loss of these expensive items could bring your business to a standstill if they're not properly covered.

Do you know that insuring the income your business produces can often be as important, if not even more important, than insuring the assets involved in generating that income?  If you experience a loss, there are expenses that will continue, not to mention the importance of retaining key staff members to be ready to resume operating your business once repairs or restoration is complete.

These are just a sample of the various aspects of business insurance that we will help you with.  You need to focus on operating your business, not on sorting through the complexities of business insurance policies trying to make sure you're purchasing what's right for you.  We'll sit down with you, examine your coverage needs, then find the best value for your insurance dollar.

We'll be here for you when you need to make changes to your policy as your business grows.  If you have to make a claim, we'll help you notify your insurance company, and provide advice through the process.  If you have any concerns or questions, we'll be here to help.

Classic, Antique, and Custom Car Insurance

We're classic car enthusiasts ourselves, and have several excellent insurance plans to offer you, including the Hagerty Collector Car Insurance program.

Some of our plans offer coverage on an 'agreed value' basis - you establish the value of your pride and joy with your insurance company when you take out your policy.  If anything happens, you don't have to worry about establishing the condition your collector car was in before the damage occurred.

Some of our plans offer the savings of not requiring you to obtain and appraisal, or to submit odometer readings.  You can select the repair shop you prefer to restore your baby back to its pre-accident condition.

Some of our plans offer guaranteed flatbed emergency towing.  Should your collector vehicle break down, this makes sure it will not be subjected to the roughness of a 'hook' tow.

We can obtain coverage for your classic (over 15 years old) or antique car, your classic muscle car, antique firetrucks (unless owned by a firehall), older motorcycles, military vehicles, exotic automobiles, etc.

These special coverage packages are very attractively priced, and can help make the exciting and fascinating world of collector cars hassle and worry free.  Since you normally don't drive your collector vehicle on a daily basis, the risk of accident is much lower.  These plans recognize this reduced risk, allowing them to offer you much lower premiums than standard Ontario auto insurance.