Insurance, without
the headache.

An independent insurance brokerage in Concord, Ontario, and a division of Oracle RMS. We aren't an insurance company. We work for you, comparing 80+ A.M. Best-rated insurers for home, auto, business, life and group benefits, and a licensed broker stays on your file for renewals and claims.

Every Ontario brokerage has to be registered with RIBO, the Registered Insurance Brokers of Ontario. You can check us in RIBO's public registry in about a minute. Our verification page walks you through it.

The online forms take about ten minutes. A broker calls you within one business day, usually the same day, and comes back with options once the insurers have responded. Straightforward home and auto files are often done in a single call.

There's no list price. Insurers price on what you're protecting and the risk around it: for a business that's the industry, revenue, payroll, location and claims history; for a home or car it's the property, the drivers and the history. Comparing several insurers at once is how you find the right balance of price and coverage.

General liability covers physical harm: someone gets hurt or their property is damaged because of your business. Errors and omissions covers financial harm from your professional advice or service. Plenty of businesses need both, and they can often be packaged together. Our coverage guide explains each one.

Yes. When your policy is active we send certificates, add the other party as additional insured, and handle waiver of subrogation wording when a contract asks for it. Send us the requirement page from the contract and we'll check it matches the policy before the certificate goes out.

Usually commercial general liability (many commercial sites ask for $2 million or more), tools and equipment, and commercial auto for the work vehicles. Depending on the job you may also need builder's risk, an umbrella, pollution liability or a bond. WSIB is separate and applies once you have workers.

We're based in Concord and serve clients across Ontario. Most of our work is done by phone and email, so distance doesn't slow anything down.

Call 1 866 CLAIM 20, day or night, or report it on our claims page. We help you open the claim with your insurer and stay with you until it's settled. Every insurer's direct claims line is listed there too.

Of course. Send us your current policy and renewal date. We'll re-shop it and tell you honestly whether it's worth switching. Sometimes the answer is no.