01
Personal auto
Standard, classic, high-mileage, teen drivers. The average client saves $480/year switching to us.
Independent since 198720+ carrier partners24/7 claims hotline
Better cover. Honest pricing. People who pick up the phone.
We shop 20+ carriers to find you the right fit, not the easiest commission. Auto, home, life, business — under one roof.
AutoHomeLifeBusinessUmbrella
20+ carrier partners
Quotes in 24 hours
Claims advocacy on every policy
4-generation family business
01The brokerageFour generations in
- 37
- Years independent
- 20++
- Carriers shopped per risk
- $480
- Average yearly saving on auto
- 92%%
- Claims resolved without escalation
02CoverageOne broker, whole household
What we write
02
Home + renters
Standard policies, high-value homes, condo, landlord, renters. Bundled discounts available.
03
Life + disability
Term + whole life; short and long-term disability. We compare 8+ insurers per applicant.
04
Business
General liability, BOP, workers comp, commercial auto, professional E&O — sole trader to 500 staff.
05
Umbrella + specialty
$1M–$5M umbrella for asset protection. Boats, RVs, valuables, event coverage.
06
Health (Marketplace)
ACA Marketplace + Medicare Supplement navigation, open and special enrolment.
07
Landlord + short-let
Cover that actually holds when a property is tenanted or listed nightly — the gap most standard home policies quietly leave open.
08
Annual policy review
One appointment a year across every policy you hold with us: what changed in your life, what changed in the market, what should move.
Four generations on your side of the table.
Carriers pay us the same either way — so the only thing left to compete on is finding you the right policy and standing next to you when something goes wrong. That's been the whole business model since 1987.
- Independent — no carrier quotas, ever
- One broker for the whole household
- Annual re-shop of every policy at renewal
03When something goes wrongCall us, not the carrier
How a claim runs with us.
One call — to us
Day or night, you call our claims line, not a carrier queue. We take the details once.
We file and push
We file on your behalf, chase the adjuster, and escalate when the carrier drags its feet.
We argue the number
If the offer comes in low, we contest it with documentation. Advocacy is built into every policy we write.
What clients say
The proof is at claim time.
5 out of 5 stars
“When the fire happened, they had the claim filed and a contractor on-site by the next morning. That week is why you use a broker.”
M
Maria L.
Home claim, 2024
And 2 more reviews
Plain language
The words on your policy, translated
Almost nobody is under-insured on purpose. They are under-insured because nobody sat down and explained these eight words.
- Coinsurance
- A clause that penalises you at claim time if you insured a property for less than a set percentage of its value. Under-insure the building to save premium and the insurer reduces the payout proportionally — even on a small claim.
- Deductible
- What you pay before the insurer pays anything. Raising it lowers your premium and raises your exposure on a bad day, so the right number is whatever you could genuinely write a cheque for tomorrow without it hurting.
- Endorsement (or rider)
- An add-on that changes what a policy covers — scheduling a ring, adding a home office, covering a trailer. Most gaps we find are things that needed an endorsement nobody offered.
- Exclusion
- What the policy specifically will not pay for. Flood and earth movement are excluded from nearly every standard home policy, which surprises people at precisely the worst moment.
- Liability limit
- The most a policy will pay when you are the one who caused the harm. Most standard policies default to a limit set decades ago, and most people have never looked at theirs.
- Replacement cost vs actual cash value
- Replacement cost pays what it takes to buy the thing again today. Actual cash value pays what your fifteen-year-old roof was worth the day before the storm — which is usually a fraction. This single distinction causes more claim disappointment than everything else combined.
- Subrogation
- When your insurer pays your claim and then goes after whoever actually caused it. It matters to you because a successful subrogation usually gets your deductible back.
- Umbrella policy
- Extra liability cover that sits above your auto and home limits and only pays once those are exhausted. It is unglamorous, it is cheap relative to what it covers, and it is what stands between one bad accident and your savings.
04Broker vs direct
Common questions
Why use a broker vs going direct?+
Carriers price the same risk wildly differently. We pull quotes from 8–12 carriers per applicant; the savings and better fit easily beat a single direct quote.
Are quotes free?+
Always. We're paid by the carrier on bound policies — never by you.
What happens at claim time?+
Call us, not the carrier. We file on your behalf, escalate where needed, and contest lowball offers. Built into every policy.
Switching is a hassle, right?+
We handle the paperwork. A typical switch takes 30 minutes of your time, and we time the cutover so there's no coverage gap.
Do you re-shop at renewal?+
Yes — every policy gets re-checked against the market at renewal. If a better fit exists, you hear it from us first.
Which carriers do you represent?+
Twenty-plus regional and national carriers. Independence means we drop carriers that treat claimants badly — and we have.
Will my premium go up if I ask a question?+
No. Asking whether something would be covered is not a claim and is not reported anywhere. Half the point of having a broker is a place to ask before you decide.
Will filing a claim raise my rates?+
Sometimes, and we will tell you honestly before you file whether a small claim is worth the likely increase. A broker who never talks you out of a claim is not on your side of the table.
What do you actually earn on my policy?+
A commission from the carrier, typically a percentage of the premium, and broadly similar across the carriers we place with. Ask us for the number on any specific policy and you will get it.
I think I am over-insured. Would you say so?+
Yes, and we do it every renewal — dropping cover you have outgrown is part of the annual review. It reduces our commission, which is exactly why it is worth having in writing.
Twenty carriers. One phone call.
Send what you're paying now — we'll tell you honestly whether we can beat it.
Free quotes in 24 hours · 24/7 claims hotline
Opening hours
When you can reach a person
HoursChecking
- Monday – Friday
- 08:00 – 18:00
- Saturday
- 09:00 – 13:00Quotes + policy changes
- Sunday
- ClosedClaims line answers regardless
The claims line answers around the clock, every day of the year, including public holidays. Call it before you call the carrier — that is the whole reason it exists.
Get a free quote
Tell us briefly what you're looking to cover — we come back with shopped quotes within one business day.
- Phone
- Email
- Office38 Court Street, Suite 200
- HoursMon–Fri 8am–6pm · 24/7 claims hotline