Insurance Broker Ottawa

Insurance policies, whether for auto, business, life, home, travel, or more, are not a one-size-fits-all solution. Therefore, while traditional insurance agents are able to craft insurance policies with products offered by the company they work for, you still may be missing out on savings and coverage options that tailor to your unique needs as a customer even more. 

However, with the professional help of an insurance broker in Ottawa at Insurance Hero, we’ll help you efficiently compare insurance rates across companies in Canada before crafting a comprehensive insurance portfolio that not only saves you money but also gives you the peace of mind that you are fully protected, should an unexpected event occur. 

By carefully selecting the most beneficial aspects of each insurance company, customers won’t have to sacrifice their insurance coverage. Our team of professional brokers is well-equipped with the industry knowledge and tools to help you maximize your insurance coverage while staying within the means of your budget.

Why Choose Insurance Hero 

Insurance Hero is partnered with several major insurance companies in Canada to provide you with a curated selection of comprehensive coverage options for competitive prices. With around-the-clock, 24/7 insurance quotes and claims, Ottawa residents can get solutions to their insurance questions and problems at any time.

As a leading online, independent insurance brokerage, our track record of success with happy customers speaks for itself. We understand that we are in the business of people, which is why we go above and beyond to ensure we put their best interests at the forefront of our processes. With no added fees and years of industry expertise, Ottawa residents can expect all-inclusive access to the leading insurance companies and policies without paying more for our services. 

With Insurance Hero, you can combine your life, home, auto, business, travel, or other insurance policies to create a comprehensive policy that saves you money. Our team is here to answer any questions or concerns you may have regarding your policy at any time. Therefore, if you are looking for quick, efficient insurance solutions, Insurance Hero is ready to help guide you from start to finish. 

Get a free insurance quote online with Insurance Hero today and work with an insurance company that you can trust.

Auto Insurance Broker Ottawa 

All registered car owners in Ottawa, Ontario, are required to purchase an insurance policy to legally operate their vehicle in public. Therefore, with thousands of cars on the road each day, it’s essential that you have a comprehensive auto insurance plan that fits your unique needs. 

Whether you’re a first-time car owner, have recently invested in a new car, or looking to switch your insurance policy, the professional insurance brokers at Insurance Hero can help guide you through the process of crafting an auto insurance plan that works for you. Here is a closer look at auto insurance policies in Ontario.

Accident Benefits 

In the event of an accident where you are injured or killed, your accident benefits policy will cover the cost of medical payments, funeral expenses, disability income benefits, death benefits, and income replacement. However, there are additional accident benefits available, so you can further customize your policy. 

Direct Compensation Property Damage 

Direct compensation for property damage covers any damages to your vehicle that occur as the result of a collision where you are found not at fault. 

Third-Party Liability 

With a required minimum of $200,000 in third-party liability insurance, this policy will cover you if you are found at fault for a collision that causes injury or death to another person. 

Uninsured Automobile Insurance 

Uninsured automobile insurance covers you in the event you are injured or killed in a collision that is caused by an uninsured motorist in Ontario. 

Home Insurance Broker Ottawa

Purchasing a home is one of the most significant investments you can make in your lifetime. And while homeowners’ insurance is not legally required in the province of Ontario, to qualify for a mortgage, you may require one. With home insurance, you’ll be covered in the event your dwelling, property, or items suffer damage or complete loss in the event of unforeseen circumstances, including theft, vandalism, fire, storms, or water. Home insurance also covers: 

  1. Building and detached structures within the limits of your property 
  2. Legal liability 
  3. Personal contents 
  4. Additional living expenses 

 While the cost of home insurance will vary, some things that directly influence what you will pay to include: 

  • The type of policy you purchase 
  • If you choose to purchase additional coverage
  • The location of the home 
  • The age of your home 
  • The estimated cost to rebuild your home should you suffer a complete loss 
  • Features of your property such as the wiring system, pools, basements, type of roof etc. 
  • How far your home is away from a fire station 
  • What you intend to use your property for 

Similar to all types of insurance policies, to file a claim, homeowners will need to pay a deductible before their insurance company provides you with the funds up to your limit to replace or repair their belongings. 

Insurance Hero is also pleased to offer all-inclusive home insurance options for condos, tenants, renters, cottages, and other seasonal home insurance plans that complement your lifestyle choices. 

Business Insurance Broker Ottawa 

All businesses in the province of Ontario are required under the law to purchase general liability insurance in order to operate. Therefore, it’s highly important to ensure that your business is protected against unforeseen circumstances. At Insurance Hero, we understand that all companies are different. Therefore, regardless of the size of your business or the industry you operate in, our professional insurance brokers are able to help craft a business insurance plan that works best for your unique needs. Here are some of the ways Insurance Hero can help protect you and your business. 

Commercial General Liability 

Regardless of whether you are directly responsible for a third-party injury or damage to third-party property at your commercial business location, you may be held liable in a negligence lawsuit. However, the commercial general liability insurance will protect your business in the event a third party is injured on your property by covering any legal and medical expenses that may incur.

Business Property Coverage 

Business property coverage will protect your business property and structure against damage or loss in an insured event. 

Equipment Breakdown Coverage 

Equipment breakdown insurance covers the cost of repairs or replacements to equipment that is required for your daily business operations. This includes heating and cooling systems, hot water heaters, ovens, cash registers, and more. 

Small Business Insurance 

Small business insurance is essential for any independent business owner, regardless of if you’re operating at a commercial property or at home. With the help of Insurance Hero, we’ll help you craft a policy that works with your small business needs to ensure your interests and assets are protected.

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Frequently Asked Questions 

To learn more about working with an insurance broker in Ottawa with Insurance Hero, take a closer look at some of our most frequently asked questions before getting a free quote and speaking with a professional representative. 

1. Why Use an Insurance Broker to Get Insured in Ottawa?

Working with an insurance broker in Ottawa can provide you with more insurance products and policies that will tailor to your unique needs. This is because an insurance broker, rather than working on behalf of a specific insurance company, works on behalf of the customer. 

Further, insurance brokers are able to provide you with unbiased recommendations from several insurers rather than one, which will aid you in getting a more comprehensive portfolio at a better rate. Additionally, when working with an insurance broker in Ottawa, such as an Insurance Hero, you will not need to pay a fee for services. 

Therefore, if you are in the market for home, life, travel, auto, or business insurance in Ottawa, you may benefit from choosing to work with an insurance broker rather than a single insurance company. That way, you can truly customize your insurance policy to your unique needs and expectations. 

2. How Is an Insurance Broker in Ottawa Different Than an Agent?

While it is common to think that an insurance broker in Ottawa is the same as an insurance agent, they are, in fact, different. Simply put, the main difference between an insurance agent and an insurance broker is that an agent represents one insurance company they work for directly, while a broker works on behalf of a customer to find the best insurance policies from various companies. 

Therefore, by providing an opinion and recommendations that are unbiased towards a specific company, customers can have peace of mind knowing that their best interests are in mind when their broker is crafting their insurance policy for them. Additionally, as agents only have access to insurance policies offered by their employer, customers are limited in the options available to them. On the other hand, an insurance broker in Ottawa will have access to numerous insurance products from different companies for more personalized options. 

3. What Are Ottawa Insurance Requirements?

Ottawa insurance requirements include the following: 

Vehicle Insurance 

All registered vehicle owners must have accident benefits coverage and a minimum of $200,000 in third-party liability. These requirements will help cover the cost of medical expenses and damages that may incur as the result of an accident where you have been found at fault. 

Business Insurance 

 All businesses operating in the province of Ontario are required by law to purchase a business liability insurance policy. This comprehensive insurance policy provides you with coverage against lawsuits and human errors. 

While home, life, and travel insurance are not mandatory in Ottawa, Ontario, it is suggested that individuals purchase coverage policies to ensure their assets, health, and safety are protected in the event that something should occur. Otherwise, you can end up spending hundreds to thousands of dollars in unexpected fees that may result from medical expenses, death, property damage, and more. 

4. When Do I Need an Insurance Broker? 

If you have purchased a new vehicle, are launching, or expanding your business, are planning a vacation to a foreign country, have begun planning for retirement, or investing in new real estate, then you may wish to speak to an insurance broker about purchasing a comprehensive insurance policy to ensure the financial security, protect your assets, and guarantee you are medically covered in the event of an accident. 

With the help of the professional insurance brokers at Insurance Hero, we’ll guide you in customizing a policy portfolio that works with your needs while assisting you in saving money where we can with discounts on group packages. 

5. What Are the Benefits of Having Insurance? 

Purchasing a customized, comprehensive insurance policy for your business, home, and vehicle can provide you with several benefits you may not already be aware of. Some of these benefits include: 

  • Protecting your personal finances from unexpected costs such as medical expenses, vehicle repairs, reimbursements for stolen, damaged property, and vandalism, and legal fees that may arise from an insured accident 
  • Insurance Hero offers customized policy features that tailor to your unique needs and expectations for comprehensive coverage 
  • Paying a small fee for insurance each month will help you save money later down the line in the event something unexpected should occur 
  • Purchasing a bundle insurance policy can save you money every year in premiums 
  • Proves you the peace of mind knowing you and your livelihood are covered 

To find out more about how Insurance Hero can help customize a comprehensive insurance plan for you, your family, and your business, get a free quote today before speaking to a professional insurance broker in Ottawa.