For Insurabiz business clients

Insure the business with us, and we'll look after the rest

Business insurance is all we do — but 13 of the 17 insurers on our panel also write home and auto. If your business is with us, we'll quote your personal coverage with the same companies and apply every multi-line discount you qualify for.

Ask about bundling Start with a business quote

Personal coverage is arranged for clients we insure commercially.

Insurers writing both sides

Broker for everything

Renewal conversation

Gaps between the two

How it works

Why insurers pay you to consolidate

Insurers discount when they hold more of your business. A household with several policies costs them less to service and is far less likely to leave, so they price that in — the discount lands on your personal policies.

How much depends on the company, the province, and which products are combined, which is why we quote it rather than advertise a percentage. What we can promise is that we'll check every insurer on the panel that writes both sides, and show you the bundled and unbundled totals side by side.

And if bundling isn't cheaper for you — it sometimes isn't — we'll say so. A discount on the wrong policy is still the wrong policy.

What we can add

The personal side, handled properly

Home

Your principal residence, including higher-value homes and the extra coverage they need.

Condo & tenant

Unit owners and renters — contents, improvements, and the liability your condo corporation's policy doesn't cover.

Auto

Personal vehicles, including the one you also use for work — which is where most owners have a gap.

Seasonal & recreational

Cottages, boats, trailers, and the seasonal property that often sits on the wrong policy.

Personal umbrella

Liability above your home and auto limits, for owners whose personal assets have outgrown them.

The better reason

The discount isn't the point. The gap is.

When your business and personal insurance sit with different brokers, nobody is looking at the seam between them — and that seam is where owners get caught.

The home office

Home policies sharply limit business property and exclude business liability. Owners find out when a client trips on the front step or the laptop walks.

Home-based business cover

The work vehicle

A personal auto policy is rated for personal use. Carrying tools, making deliveries, or driving between sites is business use, and it needs to be declared.

Commercial auto

The personal guarantee

Owners routinely sign personally for leases and loans. Personal assets and business liability stop being separate long before anyone notices.

Directors & officers

Common questions

Before you ask us to bundle

Do I have to have business insurance with you to bundle?: Yes. We're a commercial brokerage — personal coverage is something we arrange for clients whose business we already look after. If you don't have a business policy with us yet, start there and we'll handle the personal side at the same time.
How does bundling actually save money?: Insurers discount when they hold more of your business, because a multi-line household is cheaper for them to service and less likely to leave. The discount is applied by the insurer to the personal policies; the size varies by company, province and which products are combined, so we quote it rather than promise a number.
Is bundling always the cheapest option?: No, and we'll tell you when it isn't. A discount on an overpriced policy still loses to a better-priced standalone one. We compare both ways and show you the two totals.
Can I bundle if my business and home are insured by different companies?: That's the usual starting point. We look at whether moving one side to match the other produces a better total, accounting for cancellation timing and any refund, and we only move things if the arithmetic works.
I run my business from home. Does my home policy cover it?: Almost certainly not to the extent you'd expect — most home policies sharply limit business property and exclude business liability. That's a common and expensive gap, and one of the better reasons to have the same broker seeing both sides. Read more on home-based business coverage.
I use my personal car for work. Is that a problem?: It can be. Personal auto policies are rated for personal use, and regular business use — deliveries, carrying tools, visiting job sites — may not be covered as you'd assume. Tell us how the vehicle is actually used and we'll make sure it's rated correctly.

Questions about your own situation are quicker on the phone — 613-355-3130, Monday to Friday, 8:30 AM – 5:00 PM.

Who writes both

13 of our 17 insurers cover business and personal

We'll check every one of them that writes both sides, and show you the bundled and unbundled totals.

Explore every insurer — programs & claims lines

Business first

Start with the business, and we'll take it from there

Get your commercial coverage sorted and we'll look at the personal side at the same time — one broker, one renewal, and every discount you qualify for.

Get a quote Contact us

Insure the business with us, and we'll look after the rest

Personal coverage is arranged for clients we insure commercially.

Why insurers pay you to consolidate

And if bundling isn't cheaper for you — it sometimes isn't — we'll say so. A discount on the wrong policy is still the wrong policy.

Before you ask us to bundle

Do I have to have business insurance with you to bundle?

Yes. We're a commercial brokerage — personal coverage is something we arrange for clients whose business we already look after. If you don't have a business policy with us yet, start there and we'll handle the personal side at the same time.

How does bundling actually save money?

Insurers discount when they hold more of your business, because a multi-line household is cheaper for them to service and less likely to leave. The discount is applied by the insurer to the personal policies; the size varies by company, province and which products are combined, so we quote it rather than promise a number.

Is bundling always the cheapest option?

No, and we'll tell you when it isn't. A discount on an overpriced policy still loses to a better-priced standalone one. We compare both ways and show you the two totals.

Can I bundle if my business and home are insured by different companies?

That's the usual starting point. We look at whether moving one side to match the other produces a better total, accounting for cancellation timing and any refund, and we only move things if the arithmetic works.

I run my business from home. Does my home policy cover it?

Almost certainly not to the extent you'd expect — most home policies sharply limit business property and exclude business liability. That's a common and expensive gap, and one of the better reasons to have the same broker seeing both sides. Read more on home-based business coverage.

I use my personal car for work. Is that a problem?

It can be. Personal auto policies are rated for personal use, and regular business use — deliveries, carrying tools, visiting job sites — may not be covered as you'd assume. Tell us how the vehicle is actually used and we'll make sure it's rated correctly.

Questions about your own situation are quicker on the phone — 613-355-3130, Monday to Friday, 8:30 AM – 5:00 PM.