Questions we get asked a lot

No. Brokers are compensated by the insurer through commission that's already built into the premium, so you don't pay a separate fee for our advice. If we ever charge a service fee for a specific transaction, we'll disclose it in writing before you agree to it.

Usually yes. Most personal lines policies can be cancelled mid-term, though the insurer may apply a short-rate penalty. We'll compare the savings against any penalty and tell you whether waiting for renewal makes more sense.

For tenant and auto policies we can often issue confirmation the same business day once the insurer binds coverage. Commercial certificates depend on the underwriter, but we'll give you a realistic timeline up front.

Rates move for reasons outside your file: severe weather losses, inflation in repair and rebuild costs, auto theft trends, and territory-level claims experience. That's exactly when re-marketing helps — a different carrier's rate change may not match yours.

Most Ontario households carry $1M or $2M. If you own rental property, have a pool or trampoline, serve on a board, or have significant assets to protect, $2M or an umbrella policy is worth pricing. We'll walk through your exposure.

Actual cash value pays what an item is worth today after depreciation. Replacement cost pays to replace it with something new of like kind and quality. Replacement cost costs more in premium and matters a great deal after a total loss.

Standard policies often exclude sewer backup and overland water unless you add them. Water damage is among the more common and costly household claims, so we usually include these options in a quote and let you decide.

Report urgent losses to your insurer's 24-hour claims line first — it's on your policy documents — then contact us. We'll help you understand the coverage, track the adjuster, and push for a fair resolution.

Yes. We place commercial general liability, commercial property, business interruption, errors and omissions, cyber, and commercial auto for small and mid-sized Ontario businesses.

For auto: driver's licence numbers, vehicle VINs, and your current declaration page. For home: the address, year built, and details of any recent updates. For commercial: your operations, revenue, and any contractual insurance requirements. Send what you have and we'll ask for the rest.