FAQs

Insurance Basics

Do I need business insurance to drive to work?

If you're driving to your nine to five and don't have a pickup truck full of power tools, you most likely only require personal insurance. Talk to a broker to make su...
Business Insurance

Do you need business insurance to deliver pizza?

Yes! Don't make your first delivery until you've spoken to an insurance broker. Once you've got the right coverage, feel free to bring pizza to our office.
Car Insurance

Do I need business insurance to drive for Uber or Lyft?

Many personal insurance carriers allow you to drive with Uber or Lyft without requiring commercial auto insurance. You should check with your broker to see if your company al...
Business Insurance

Do you need special insurance for DoorDash or any other delivery service?

If the company you’re delivering for has their own policy in place to protect their drivers, you may not need additional insurance. An insurance broker can help you fig...
Insurance Basics

What is the benefit of an insurance broker?

An insurance broker knows insurance inside and out. When it comes to insurance, brokers don't go with a "one size fits all" approach. We know what question...
Insurance Basics

How do insurance companies determine premiums?

Insurance companies determine premiums in different ways. When it comes to car insurance, there are a lot of factors: Your insurance history. How long you’ve been...
Car Insurance

How do you prepare for a home and auto insurance quote?

To find coverage that's right for your unique situation, our brokers will need to understand more about you. Here are some of the details to have handy. Information ne...
Car Insurance

Does my location affect my auto insurance rates?

Yes, where you live is a factor that will affect your insurance rate. Insurance premiums vary by province, city, and even postal code. Let’s start with the province....
Car Insurance

Does my age affect auto insurance rates?

Yes, your age is a factor insurance companies take into consideration. If you are younger, you will likely pay more for insurance. We know it’s not fair, but young peop...
Car Insurance

Does my marital status affect my car insurance rate?

Some insurance companies take your marital status into consideration. And we hate to break it to all the lonely hearts out there, but common-law and married couples sometimes...
Car Insurance

Does my driving experience affect my car insurance rates?

Yes! Driving experience and driving history are factors insurance companies take into consideration when determining rates. If you don't have a lot of driving experience,...
Car Insurance

I only drive on weekends, does this impact my car insurance rate?

Great question! Some people save money and spend less time in traffic by taking public transit to work during the week. If this is you, be sure to tell your insurance broker....