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FAQs

Car Insurance

Will my insurance cover another driver who gets into an accident with my car?

When you lend your car, you lend your insurance, too. Your insurance policy is responsible for any property damage or bodily injury if your vehicle is involved in a loss ─ ev...
Business Insurance

Will my home insurance cover claims for my home-based business?

Home insurance does not cover claims which relate to the business. For this reason, it is important home-based business owners get insurance which meets their business needs....
Car Insurance

How much should I pay for car insurance per month?

You're going to hear this answer a lot when it comes to insurance: it depends! There are many factors that determine how much you will pay each month. Things like where y...
Car Insurance

Am I covered under my parent’s car insurance?

You just graduated high school and your parents bought you a car? Lucky you! Before you hit the road let’s make sure you’re properly insured. The ownership of the...
Home Insurance

Is home insurance mandatory in Ontario?

Home insurance is not mandatory in Ontario. However, if you're taking out a mortgage, many banks require you to have home insurance.
Business Insurance

What insurance do I need for a small business?

The insurance you need for your small business depends on the nature of your business. Insurance needs for hairdressers are different than insurance needs for contractors, an...
Business Insurance

How do I get business insurance?

The best way to get business insurance is by calling a broker! We can help you spend less time worrying about insurance and more time focusing on your business.
Business Insurance

What is covered by business insurance?

There are various types of coverage available and it is best to speak to a broker to determine what makes the most sense for your business. Some of the most commonly purchase...
Car Insurance

Is insurance higher on newer cars?

Sometimes yes, sometimes no. Sorry, we know that’s the worst answer, but there are so many factors that determine how much you pay for insurance. Safety features on new...
Car Insurance

Is it cheaper to insure an older car?

Sometimes yes, sometimes no. The age of the car is one factor insurance companies consider, but they also consider many other things, like your age, location, and insurance h...
Car Insurance

Can you file a car insurance claim without a police report?

Yes, however certain claims may require a report. In the event of a claim, a broker can help you determine what you will need to file a claim.  
Home Insurance

How much does home insurance cost on average?

Every home is different, so that's hard to answer. Many factors will affect how much you pay for home insurance: the square footage, location and when the house was built...