Question 1

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

Accepted Answer

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 ─ even if you are not driving it.

Question 2

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

Accepted Answer

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. Some common insurance business insurance coverages include general liability insurance (which could help with costs if there is damage to the business property or a lawsuit due to a customer being injured) and business property insurance (which could cover costs to repair damage to a business owner’s home).

Question 3

How much should I pay for car insurance per month?

Accepted Answer

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 you live, your insurance history, your driving record, and age all have an impact on your monthly rate.

Question 4

Am I covered under my parent’s car insurance?

Accepted Answer

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 vehicle has to match the policy holder. This means that if your parents buy you your own car, you need your own policy. You are not covered under theirs.

Maybe you’re not so lucky and you still have to borrow your parent’s car. If that’s the case, don’t worry! You’ll have your own car one day! Call a broker before you hit the road to make sure you're covered.

Question 5

Is home insurance mandatory in Ontario?

Accepted Answer

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

Question 6

What insurance do I need for a small business?

Accepted Answer

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, and retail businesses need different insurance than restaurants. If you are looking to insure your small business, a broker can explain exactly what type of insurance makes sense for you.

Question 7

How do I get business insurance?

Accepted Answer

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.

Question 8

What is covered by business insurance?

Accepted Answer

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 purchased business insurance coverages are:

Property coverage
Commercial general liability
Business interruption coverage
Commercial auto coverage

Don’t know what some of the insurance terms are? Don’t worry! It’s our job to speak the language. Call a broker to find out what type of coverage is best for you.

Question 9

Is insurance higher on newer cars?

Accepted Answer

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 newer cars can potentially lower your rate. But your insurance history, age, location and so many other things influence your rate as well.

Question 10

Is it cheaper to insure an older car?

Accepted Answer

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 history, just to name a few.

Question 11

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

Accepted Answer

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.

Question 12

How much does home insurance cost on average?

Accepted Answer

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 are just a few things an insurance company will consider! Your best bet is to call a broker. We can get to know you and find coverage that makes sense for you.

House

Condo

Tenant

FAQs

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...

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....

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...

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...

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.

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...

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.

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...

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...

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...

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.

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...

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