Resources
Straightforward answers to the questions Ontario households and businesses actually ask, written by our team, reviewed by our principal broker and sourced to FSRA, RIBO, the Insurance Bureau of Canada and the Government of Ontario.
Home insurance
A practical guide to comparing home insurance rates in Ontario: what drives premiums, how to compare quotes on equal coverage, and what to check before you switch.
Read the guideAuto insurance
How Ontario drivers compare auto insurance quotes across carriers: what information you need, which coverages to hold constant, and how broker access differs from going direct.
Read the guideBusiness insurance
How Ontario small businesses obtain commercial general liability coverage: what CGL covers, what underwriters ask for, contract requirements, and how the placement process works.
Read the guideChoosing a broker
What to check before choosing an independent insurance broker in Ontario: RIBO licensing, market access, service model, claims support, fees and how to verify a brokerage.
Read the guideBroker vs direct
An objective comparison of using an independent insurance broker versus buying directly from an insurer in Ontario, including market access, advice, claims support and cost.
Read the guideBundling
How bundling home and auto insurance works in Ontario: how multi-line discounts are applied, when bundling is not the cheapest option, and what to check before combining policies.
Read the guideMarket access
How market access works for Ontario insurance brokers: why the number of insurers varies by product, what a market agreement is, and how to verify a brokerage's access.
Read the guideComparing brokerages
A neutral framework for comparing Ontario insurance brokerages on licensing, market access, service model, claims advocacy, accessibility, language support and fees.
Read the guideClaims
What an Ontario insurance broker does when you have a claim: reporting, explaining the process, carrier contacts, following up, and escalating a disputed or delayed claim.
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