Insurance, considered.
For one hundred years, three generations of one family have reviewed coverage line by line — so Ontarians don't have to decode the fine print themselves. We represent Canada's strongest insurers, and remain unbeholden to any of them.
Our coverage
Four lines of defence.
We are generalists by design — because the household with a mortgage, the manufacturer in Mississauga, and the franchise group with thirty locations all share one adversary: a policy gap nobody read closely enough.
- I
Automobile
Personal and commercial auto coverage from Canada's largest carriers — with broker advocacy when claims happen.
→ - II
Home & Habitational
Homeowner, condo, tenant and seasonal property insurance — sized to the way you actually live.
→ - III
Business
Tailored programs for professional services, manufacturing, distribution, hospitality and retail.
→ - IV
Franchise Liability
A specialty program built with the Canadian Franchise Association — for franchisors and their networks.
→
Why a broker
We answer to you —
not the insurer.
A broker is contractually obliged to act in your interest. A direct writer answers to its shareholders. That distinction is invisible at quote time and decisive at claim time.
- 01 Compare programs across Canada's top carriers, not a single brand's catalogue
- 02 Advocate on your behalf when a claim is denied or undervalued
- 03 Adjust coverage as your life and business change — without re-shopping from scratch
- 04 Independent, family-run, and answerable across three generations
"Some of these carriers we've placed business with for sixty years. When something goes sideways, we know whose desk to call."
Affiliations
Memberships
that matter.
The standards we hold ourselves to come in part from the institutions we keep. Each affiliation below brings access, accountability, or specialty programming to our clients.
See all associations →
From the journal
Industry, examined.
How COVID-19 will affect your current insurance coverage
As COVID-19 continues to affect the world, the speed of developments is shocking and is having an unprecedented impact for businesses, economies and families. When businesses are forced to be closed, they are still racking up costs every single day. These daily disruptions are starting to mount and have a ripple effect on business activity, forcing the hand of so many [...]
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Why An Experienced And Independent Advisor Can Make All The Difference
The insurance industry is dramatically shifting, and it’s the latest to be caught in the crosshairs of disruption. While disruption has quickly become the new normal in the insurance industry, it’s up to the broker to adapt to the times and find innovative ways to translate that value onto the client by redefining what their [...]
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The Stakes Are Too High Not To Have Misconduct Coverage
Sexual misconduct at any level, in any aspect of life is completely unacceptable. Employers and business owners can’t claim ignorance to these wrongdoings within their business and this type of reprehensible behaviour has gone on far too long. We all have a responsibility through professional policies, procedures, and ongoing education to fight sexual misconduct. With [...]
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Speak with a broker — not a script.
We'll review what you have, identify what's missing, and quote what fits. No call centre. No upsell.
or call 416 · 754 · 3910