We encourage you to speak with your independent insurance broker to fully understand coverage required to meet your personal insurance needs.

 

Auto Insurance

• Liability – protects you if you are in an accident and you’re held legally liable for injury or death to other people. It also covers damage to their vehicle or property.
• Accident Benefits – provides compensation for medical expenses, rehabilitation, funeral expenses, and loss of income due to death and disability (not applicable in Quebec).
• Direct Compensation Property – covers you for damage to your vehicle and to property it is carrying when another motorist is responsible (Ontario, New Brunswick and Nova Scotia).

 

• Collision – covers the cost of repair or the replacement of your vehicle (up to its actual value less your deductible) if you have a collision with another car or an object (e.g. tree, guardrail, or pothole).
• Comprehensive – covers physical damage to your car (not resulting from a collision) caused by theft, vandalism, fire, falling objects, lightning, explosion and chipped windshields.
• Specified Perils – this is more limited than Comprehensive. It covers physical damage to your car caused by a specific list of perils such as: fire and lightning; theft or attempted theft; windstorm, earthquake or hail; explosion, riot or civil commotion; falling or forced landing of aircrafts or parts of the aircraft.
• All Perils – provides you with the most complete coverage by combining Collision and Comprehensive coverages.
• Loss of Use – reimburses you for alternative transportation (e.g. rental, taxi) if your vehicle is being repaired as a result of damage or theft.
• Damage to a Non-Owned Vehicle – covers you if you damage a car you don’t own such as a rental vehicle.
• Waiver of Depreciation – no depreciation will be applied if your new car (less than 24-months-old) is damaged in an accident.

 

 

Property Insurance

Whether you rent or own your home, knowing what is covered will provide you peace of mind. 

• your home and other structures on your property (e.g. garage, shed, personal belongings and contents)
• legal liability to other people and their property
• living expenses if your home is being repaired
• perils such as:
  • explosion
  • falling objects
  • fire
  • glass breakage
  • lightning
  • vandalism
  • smoke
  • theft
  • wind and hail
  • water damage

You can choose from three different levels of coverage. Contact your Independent Insurance Broker to discuss the one which best suits your needs.

 

 

 

 

• Sewer Backup (check with your Broker for availability)
• Personal articles Floater (e.g. jewelry)
• Home Based Business