FREQUENTLY ASKED QUESTIONS
What insurance companies do you work with?
We work with all of the top Canadian insurance companies. This ensures we have access to the right products for all our clients.
Do I need to pay you a fee for your services?
No. Insurance brokers don’t get paid by their clients, they get paid by insurance companies.
How much coverage should I have for personal property?
We recommend having enough insurance to cover all the items you have. Start by doing a personal inventory of your belongings to determine the approximate value. This should include items such as electronics, furniture, laptops or computers, clothing, jewelry, collectible items, and any other belongings that are of value.
Should I get tenant insurance in Brockville?
This will depend on your individual situation. For those who have permanently moved out of their parents’ and are living independently, you will need to get tenant insurance. For those who are renting on a temporary basis for school, you will be covered under your parents’ insurance policy.
How much insurance do I need for my car?
When buying or leasing a vehicle as an Ontario driver, you’re required to have the following coverage: Third-Party Liability, Accident Benefits, Direct Compensation Property Damage, and Uninsured Automobile Coverage. It’s best to talk to a broker to discover your individual needs.
Does my location impact my car insurance?
Yes, where you live will help determine your car insurance rates. Urban locations generally have higher premiums in comparison to suburban locations. This is due to higher volumes of traffic, population and the fact that vehicles are generally at greater risk of vandalism and theft.
If someone else uses my car, will they be covered under my insurance?
If the person borrowing your vehicle has a valid driver’s license, then yes, they will be covered under your insurance policy. Your insurance is responsible for bodily injury and any property damage, even if you are not driving.
What type of insurance do I need to protect my small business?
This will depend on the type of business you operate. Insurance needs will vary by the industry, size of the business, location, and more. To determine what your business needs, reach out to us today to speak with one of our brokers.
Does my Brockville home insurance cover my home-based business?
No, your home insurance will not extend to business related coverage at home. You’ll need to speak will a broker to get separate insurance coverage for your home-based business needs. This may include general liability and business property insurance. Contact us to learn more today.