HAVE A QUESTION?
First check our commonly asked questions below. If your question isn’t answered, simply send us a message. We look forward to providing helpful answers!
Commonly Asked Questions
How long can I wait to have my vehicle inspected?
Can my visiting friends and family drive my car?
How long do tickets and accidents stay on my record?
How long can I stay in the US before notifying my insurance company?
How much sewer backup coverage do I need?
Your home’s unique circumstances dictate how much coverage you’d need for a claim. Keep in mind that sewer backup claims easily reach $75,000 on average—then depending on the condition and value of your home and basement before the claim, your claim may cost even more. Don't forget about overland water coverage as well. This is a new and important coverage that you should talk with your broker about.
Why does my insurance go up—even when I don’t have a claim?
Why do insurance companies increase the value of my home every year?
Depending on inflation rates for household construction in your neighbourhood, your home’s value will be calculated to reflect the increase. Talk with your insurance broker for a free rebuild evaluation on your home, which will help make sure you have the correct limits.
What is business interruption coverage? How does it work?
If your business has a claim, you get help with extra expenses due to the claim, as well as lost income. This coverage is vital to keeping your business on track—even if an unfortunate loss happens. Learn more on our business owners insurance page.
What is liability insurance? I’m starting a small business and my landlord told me to get it.
In case someone sues you because of your business operations, you’ll be covered. This coverage includes customers, employees, and clients injuring themselves on your premises and more.
What is equipment breakdown coverage? Why would I need it?
Most policies exclude equipment breakdown on the main policy - this endorsement can add coverage for power surges, damage caused by pressure to name a few. If you've got a boiler, a computer, a phone system - you need to talk to your broker about this coverage - it can help your business continue to move forward, even with vital equipment on the mend.
How do I insure my child at university?
How do I insure my home-based business?
Most home-based businesses can be insured under your personal insurance policy. Discuss your situation with your insurance broker to ensure you’re meeting your business-related insurance needs.