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Insurance by client

Insurance built around who you are.

Every client type carries different risks. Explore coverage built for how you actually work and live, each page expanding to show the detail, no jargon.

All client types

Construction & Trades

Coverage that gets you on site, same day.. Builders, renovators, electricians, plumbers, and HVAC contractors need cover that understands job sites, tools, and the contracts that demand proof of insurance.

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Retail & Hospitality

Coverage that understands the rush.. Restaurants, cafés, bars, and independent retailers carry a distinctive risk mix, hot kitchens, alcohol service, foot traffic, and tight margins.

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Property Managers

Cover the portfolio you run, not just one door.. Property managers and multi-unit operators carry risk across many doors at once, and a single master policy is rarely enough.

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Professionals & Consultants

When your advice is the product, protect it.. Consultants, accountants, advisors, and design professionals sell judgement, and a client who claims that judgement cost them can weaponize a lawsuit.

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Newcomers to Canada

Your first Ontario policies, explained clearly.. Arriving in Ontario means a new insurance system, different from the one you came from.

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Seniors & Retirees

Coverage that adapts as you slow down, not as you're penalized.. Retirement changes how you use your car, your home, and your time, and your insurance should change with it, not quietly rise on loyalty.

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Based in Kitchener. Licensed across Ontario.

We're a strong local fit across Kitchener-Waterloo, including Waterloo, Cambridge, Guelph, Stratford, Brantford, Woodstock, and the surrounding communities, and fully licensed to arrange coverage anywhere in Ontario.

Not sure which client type fits?

Tell us how you live and work. We'll match you to the right coverage from the right insurer.

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