Insurance Broker Toronto
Speak with a Toronto insurance broker and get quotes from Canada's largest insurance companies. Call / text Filip Ambroziak at (416) 803-2113 or email filipa@pbnet.ca.
Toronto Insurance Quote
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Benefits of an Insurance Broker
Toronto Insurance Broker
Toronto is the best city in the world. We have a very diverse and friendly population who are all very ambitious wanting the most out of life.
If you are not out enjoying a summer day at the Harbourfront, you can ride up the CN Tower and enjoy the best views the city has to offer or explore the Royal Ontario Museum if the rain demands it. As stated earlier, Toronto is the best city to live in and we are lucky to be so close to it!
Toronto has had tremendous growth both in population and startups over the last few decades. New businesses are opening up daily while older businesses are expanding.
Are Premiums in Toronto Increasing?
This is a common question in the insurance industry, and unfortunately, they are increasing and likely will be for the near future. There are a few forces driving up the insurance rates in Toronto:
- Inflation. Everything from groceries to auto parts, have seen significant increases in price. When a home is damaged or a vehicle part needs to be replaced, insurance companies are forced to pay these new increased costs. In order for them to recoup their money, they have to increase rates in the following years.
- Claims are on the rise. Claims are not only increasing in frequency, but in size as well. Condos are flooding, vehicles are being stolen and business’ are experiencing more break ins then ever before. This is forcing insurers to increase their premiums in Toronto.
- Aging buildings. Many large insurance companies are increasing their rates on condos and offices because the structures are aging and claims are becoming more common.
Insurance Expertise
Insurance brokers are the go-to source for any insurance related questions. Whether you are looking for commercial, auto or investment property, brokers will help guide you.
They also do not work directly for one company, they are contracted for many and work in the customers best interest.
If you have any insurance related questions or need a quote, feel free to call Filip Ambroziak at (416) 803-2113 or email filipa@pbnet.ca.
How An Insurance Broker Can Get The Best Insurance Rates In Toronto
Keep these three tips in mind when purchasing an insurance policy.
01
Discounts
As experienced insurance brokers, we know the discounts that each unique company offers.
02
Coverage
Insurance isn’t just about price, as a broker, our goal is to get the best coverage for your situation.
03
Multiple Companies
As an insurance broker, we have access to many insurance companies and check the best rates for you.
We Will Make It Quick and Simple!
Why Work With an Insurance Broker?
There are many reasons to work with an insurance broker in Toronto:
- Access to Markets. Insurance brokers in Toronto have access to insurance companies which the public does not. When it comes to commercial coverage, many policies are customized to meet the demanding needs of the clients.
- Ease. Working with brokers is very easy. You can call, text, email or come into the office in person.
- Multiple Lines of Insurance. Many clients have more than just a business to insure. With a broker, you can insure your home, commercial car, business, investment property, ATV etc. all in one place.
Benefits of Working With Filip Ambroziak
Benefits of Working With a Toronto Insurance Broker
Filip Ambroziak has been insuring the residents of Toronto for over ten years. As a RIBO (Registered Insurance Brokers of Ontario) and LLQP (Life License Qualification Program) licensed insurance broker, he can offer auto, home, commercial, travel and life insurance products. Call Filip at (416) 803-2113 or email him at filipa@pbnet.ca.
Same Day Policies
Toronto Insurance Online.
That’s right, you don’t ever have to leave your home! Quotes, applications and policies all done online through a broker.
Have Multiple Policies through one Broker
One of the biggest benefits of working with a Toronto insurance broker is having all your insurance policies in one place. We offer Investment property, Commercial Auto, Auto, Home, Commercial, Travel and Life insurance!
Request an Insurance Quote
- Serving Toronto and the rest of the GTA!
- Monday - Friday: 10:00am - 5:00pm
- (416) 803-2113
- filipa@pbnet.ca
FAQ
Frequently Asked Questions
This is a tough question to answer without more details. General, if you have a vehicle and will be driving it on public roads, you must have an auto insurance policy.
If you have a mortgage on a home, they will require that you have an active insurance policy.
When insurance brokers say “full coverage” what they mean is the standard liability insurance along with collision and comprehensive coverage. In short, that is the coverage that covers damages to your own vehicle should an accident be your fault. There is usually a $500 or $1000 deductible applied.
Collision and comprehensive insurance is not legally required to drive in Ontario. Third Party Liability is mandatory.
If you are purchasing a vehicle and financing it, finance companies will require that the car is insured with “full coverage” in order to get the loan.