Insurance Services
Auto, Home & Property, Business, Liability, Travel, and Specialty Insurances
Auto Insurance
Cars, Trucks, Motorcycles, Recreational Vehicles & More
What it is:
Auto insurance protects you financially if you're involved in an accident, your vehicle is stolen, or something unexpected happens. In Ontario, auto insurance is mandatory, but what you pay and what you're covered for can vary quite a bit between companies.
Who needs it:
Anyone who owns a vehicle! Whether it's your everyday car, family SUV, motorcycle, or something you only take out in the summer.
How Calvin helps:
Insurance companies all calculate their rates differently. One company might offer you a great price, while another could charge hundreds more for nearly identical coverage.
As a broker, I can shop around with multiple insurance companies to see who's offering the best value for your situation.
Already have insurance? Send me your current policy and I'll see how it compares. If I can save you money, great! If you're already getting a good deal, I'll tell you that too.
And if you ever need to make changes to your policy, I'll help take care of that as well. I sit on hold so you don't have to!
Home & Property Insurance
Homes, Condos, Rental Properties, Tenant Insurance & More
What it is:
Home and property insurance helps protect your house, belongings, and finances when something goes wrong. This could include a fire, theft, water damage, or someone getting injured on your property.
There are different types of policies depending on whether you own your home, rent, live in a condo, or have an investment property.
Who needs it:
Homeowners, renters, condo owners, and landlords. Whether it's your first apartment, family home, or rental property, it's important to make sure you're properly covered.
How Calvin helps:
Home insurance can be surprisingly complicated. Two policies might look almost identical in price, but have some pretty significant differences in what they actually cover.
I'll compare quotes from different insurance companies and help you understand what you're getting. Things like sewer backup, flooding, replacement costs, and liability coverage can make a big difference when something goes wrong.
Already have a policy? I'm happy to take a look at it. I'll see if there's an opportunity to save you money, but I'll also make sure you're not giving up important coverage just to get a cheaper price.
My goal isn't just to find you cheap insurance. It's to find you good insurance at a good price.
Business Insurance
Commercial Property, Liability Insurance & More
What it is:
Business insurance helps protect your company against unexpected costs from things like property damage, accidents, lawsuits, and other risks that come with running a business.
Who needs them:
Business owners, contractors, entrepreneurs, and anyone looking to protect the business they've worked hard to build.
How Calvin helps:
Every business is a little different, and so are its insurance needs.
I'll work with you and my brokerage team to explore the options available, compare coverage, and find
something that makes sense for your business.
Already have commercial insurance? I'm happy to review your existing policy and see how it compares.
Liability Insurance
Personal Liability, Business Liability, Events & More
What it is:
Liability insurance helps protect you financially if you're held responsible for injuring someone or damaging their property. Depending on the situation, it can help cover legal expenses, settlements, and other costs that could otherwise come out of your own pocket.
Who needs it:
Homeowners, business owners, contractors, event organizers, and anyone who could be held financially responsible if something goes wrong.
How Calvin helps:
Liability insurance is one of those things you hope you'll never need, but you'll be glad you have if something happens!
Whether you're running a business, hosting an event, or just want to make sure you're properly protected, I can help you figure out what coverage makes sense.
I'll look at the options available, compare pricing, and help you understand exactly what you're covered for.
Travel Insurance
Emergency Medical, Trip Cancellation, Visitors to Canada & More
What it is:
Travel insurance helps protect you from unexpected expenses while you're away from home. Depending on the policy, this could include emergency medical treatment, cancelled trips, lost baggage, or having to cut your vacation short.
Who needs it:
Anyone planning a trip! Whether you're heading south for the winter, taking a family vacation, travelling for work, or welcoming visitors to Canada, travel insurance is worth considering.
How Calvin helps:
Nobody wants to think about medical emergencies or cancelled flights when they're planning a vacation, but these things happen!
I'll help you compare travel insurance options and find coverage that makes sense for your trip.
Already have travel insurance through your credit card or workplace benefits? I'm happy to help you review what you have and see whether there are any important gaps.
The goal is to make sure you can enjoy your trip without worrying about what might happen if something goes wrong.
Specialty Insurance
Boats, Trailers, Cottages, Special Events, Unique Properties & More
What it is:
Not everything fits neatly into home or auto insurance! Specialty insurance provides coverage for things that might need their own policy or aren't properly covered under standard insurance.
This could include boats, trailers, cottages, special events, unique properties, and other situations that require a little extra attention.
Who needs it:
Anyone who owns something a little outside the ordinary or needs insurance for a specific situation.
How Calvin helps:
Some insurance needs are pretty straightforward. Others take a little more digging!
If you're not sure whether something can be insured, reach out. I'll work with my brokerage and insurance providers to explore what's available.
I can't promise there's a policy for absolutely everything, but I'm happy to do the legwork and see what we can find.
If it's something you need insured, just ask!
Have questions about insurance or investments?
I'd love to chat! Whether you're looking for a better insurance rate, wondering if you have the right coverage, or just have a few questions, I'm happy to help.
No pressure, no obligations. Just a conversation to see what makes sense for you.