Your best insurance? A broker. 

An insurance broker acts as an intermediary between the consumer (you) and the insurance company. Purchasing insurance through a broker has several benefits:

1. As a broker, we shop the markets available to us to find you the coverage best suited to your needs at the best price.

Depending on what we are insuring for you, we have a variety of insurance companies that we can procure quotes from on your behalf. Insurance brokerages are (typically) independent and as such are able to select the quote from the insurance company that is the best fit the risk we're quoting. While we do have access to more than just one insurance company, it's actually a common misconception that every broker has access to every insurance company out there; instead, brokers sign contracts with select insurance companies to do business with.

2. We help to ensure that you qualify for all discounts you are eligible for. 

There are many ways to save on home insurance, but a good broker can help to make sure you are qualifying for all the discounts you deserve. For example, did you know that if you've recently replaced the roof on your house, you can usually qualify for a reduction on your house insurance premium? As brokers, we are familiar with the in's and out's of the insurance products we are selling and therefore are in a unique position to help you save money.

3. An insurance broker can answer any questions that you may have about the insurance policies that you've purchased. 

Questions about your coverage? That's exactly what we're here for. Insurance can be complicated, so if you have questions about your policy, just pick up the phone, or email us! As a local Edmonton brokerage, we operate on normal business hours (9am to 5pm) and we don't close over lunch. All of our licensed brokers are excellent at helping to break down the important details on your policy.

4. We can advocate on your behalf if and when required. 

Although insurance brokers are intermediaries between consumers and insurance companies, our focus and purpose is to advocate on the consumer's behalf. We are licensed professionals who are well versed in the industry, and we can offer valuable advice, support, and advocacy should a situation arise where it is required.

Considering the benefits listed above, you're probably wondering how insurance brokers get paid. It is quite straight forward: brokers are paid a commission from the insurance company per policy. Most commission amounts can be found right on the insurance companies website. The commission is typically built into the price of your policy. This means that you don't pay anything beyond the premium for your policy, and you aren't charged "per phone call or email" - if you need our advice once per year or five times per year, there are no additional fees.