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We work for you, not the insurance company. We are at your side when you buy or upgrade your insurance or if you have to make a claim. Finding a broker who understands your needs is an important first step to being properly insured.

The value of objective advice

Our success rests on your satisfaction with your coverage, price and service. It’s in our interest to understand your needs and negotiate on your behalf for competitive premiums–even if it means approaching several companies to find the right solution. Because we don’t work for the insurance company, we can also assist you with objective advice if you have to make a claim.

Get informed help when you need it most

The insurance industry has become more complex with its own language of terms, legal issues and subtle details. You need a knowledgeable expert at every stage of the process to interpret all the rules and what they mean for you. Our advice can also be invaluable as your insurance needs change and your requirements become more complex.

Don’t be afraid to ask!

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.

An agent works for one company and can only offer you the products of that company. As insurance brokers, we have access to the products of several insurance companies and can find the best combination of coverage, price and service. In other words, we work for you, not the insurance companies.

For all policies:
1. Review your policies with us to ensure that you are adequately (but not over-) insured.
2. Raise your deductibles for all policies. Accepting the risk for small losses can save you money.
3. Report insurance fraud to the appropriate authorities.

For car insurance:
1. Not all cars are created equal; some cost less to insure because of lower repair costs and risk of theft. Ask us before purchasing a vehicle.
2. Install an anti-theft system.
3. Avoid tickets. The better your driving record, the lower your premiums.
4. Avoid claims by preventing collisions. Drive defensively, sober and awake.
5. Never leave valuables in the car

For home insurance:
1. Consider a home security system
2. Install smoke and carbon monoxide alarms
3. Clear the snow and ice off your walk
4. Install good quality locks on your doors and windows

For commercial insurance:
1. Ensure that your employees are aware of safety and hiring practices as well as your workplace’s harassment policies.
2. Consult us before expanding into different geographical areas. Costs may vary dramatically.
3. Ask us about arranging a complete loss prevention audit to identify possible hazards and offer solutions to reduce exposure to a broad range of risks– from injuries and fire to fraud and theft.

Low return on investment – During the last three decades, investment income, when added to premiums, covered the cost of claims. However, as we all know, investment returns have declined dramatically since the late 90’s. As a result, insurance companies now have far less investment income to offset underwriting losses.

Claims – Although the number of automobile accidents has not changed in recent years, the number and cost of injuries have dramatically increased.

Fraud – When others cheat, we all must pay. The Canadian Coalition Against Insurance Fraud estimates that 15 to 22% of personal injury claims are fraudulent – costing the industry $500 million a year.

Global catastrophes such as the 1998 Québec-Ontario Ice Storm, the terrorist attacks of September 11, 2001, and the severe flooding in Europe in 2002, resulted in major claims payments.

However, we have all the best tools and knowledge to “shop around” on your behalf in order to obtain the best coverage at the best possible price.

Of course! We will assist you with your claim and serve as your advocate in dealing with the insurance company. If you bought your insurance directly from an insurance company, however, you must deal directly with that company’s claims department.

Alert us as soon as practically possible
If there is any danger or on-going damage occurring, your first priority should be to ensure your safety and limit the damage to your property. At that point, you should take care to act quickly and with the right information.
• Keep phone numbers available
• Alert the police of any theft or break-in
• Alert us of an insured loss as soon as your situation permits. We can advise you as to whether or not you should make a claim. Your loss might not be covered or even if it is covered, you might still not want to make a claim if your premiums will increase as a result
• Do not alter evidence of the loss, for example, by starting to clean up after a pipe bursts or altering the scene of a break-in. If you absolutely must alter anything take detailed pictures of the damage first

Work with us as well as the claims adjuster
Once your claim has been made, the insurance company may appoint an adjuster to get a clear picture of the circumstances and extent of the loss. They may assist in securing repairs and can help with arrangements for accommodations. They might also decide to limit the amount of a payment or to not pay at all – depending on the situation. If you are unsure about the role of your adjuster and the information they are using, be sure to contact us and we will help bring clarity to the situation.