Faq

Yes. We can ensure your policy provides seamless coverage for driving rental vehicles in both Canada and the United States, so you are protected on your trip.

If you damage a rental, the company can charge you for the income they lose while it’s being repaired. Our rental policies are designed to cover this specific risk.

While basic Autoplan is mandatory, it has limitations. We usually recommend optional Collision or Comprehensive coverage and can use private insurers to get you higher limits and better rates.

Yes, absolutely. As brokers, we access different insurance providers and will work to find the most affordable options available for your specific situation3.

That’s our job! We automatically check for every available discount, such as those for winter tires, anti-theft devices, or bundling your auto and home insurance4.

We make it incredibly easy! You can call us or start the process online. We can handle everything remotely and even deliver your documents to you with our free mobile delivery service6.

If your new car is written off, basic insurance may only pay its depreciated value. Replacement cost coverage helps cover the gap to get you a brand-new replacement vehicle, protecting you from a major financial loss.

Yes. Most clients and job sites require you to have proof of liability insurance before you can even start working. It also protects your personal assets.

Not under a standard liability policy. You need a separate Tools & Equipment policy to protect your gear against theft from a vehicle, job site, or storage.

Liability insurance covers damage you cause to others. Builder’s Risk insurance covers damage to the actual structure and materials of the project you are working on.

This can be a major risk. It’s crucial to ensure your policy provides coverage and that you always verify your sub’s own insurance before they work.

Most commercial job sites and contracts require a minimum of $2 million in liability, but many contractors opt for $5 million for better protection.

We know speed is critical. Once your policy is in place, we can typically issue a certificate of insurance for a new client or job very quickly, often the same day.