Financial Insurance FAQs

Contractors in Ontario need insurance to protect their businesses and employees from financial loss due to accidents or damage to property. In many cases, it’s also required by law or by clients as a condition of doing business.

Contractors insurance can include a range of coverage options, including general liability, commercial auto, workers’ compensation, and more. The specific types of coverage included in a policy will depend on the needs of the contractor and the nature of their business.

The cost of contractors insurance in Ontario can vary depending on a range of factors, including the type and amount of coverage needed, the size of the business, and the level of risk associated with the work being performed. A broker can help contractors find a policy that meets their needs and budget.

Yes, contractors insurance can include coverage for equipment and tools used on the job site or at the contractor’s facility. This can help protect against loss or damage due to theft, vandalism, or other types of incidents.

Yes, you can customize your contractors insurance in Ontario to fit your specific needs. Working with an experienced insurance provider can help ensure that you get the right coverage for your business at a price that works for you.

It’s easy!  The process takes less than 30 seconds.  Contact your Broker to be registered.

Once your Broker provides you with a temporary password, simply copy this link into your browser:

https://portalt02.csr24.ca/mvc/1261953407

Enter your user name:   W B White Employee to provide

Enter your password:     W B White Employee to provide

Once you enter your username and password you will be asked to change your password.  Now that you are setup feel free to download our mobile app for even more convenience.  That’s it!

A homeowner’s package policy will typically include Additional Living Expenses to cover the increased living costs when a home is inhabitable. Retain any receipts for lodging and food to be submitted to your adjuster. It is important to note that this coverage only covers increased living costs while your home is not habitable. For example, if your family typically spends $200 on groceries a week and now meals out cost $250, the policy will reimburse $50.

Your safety is our top priority. In the event of a serious accident or other emergency please contact 911 for assistance.

Damage to your home caused by falling objects, including trees, is a common coverage under a homeowners policy. If the tree simply falls in the yard, and does not cause any damage to the home, there is typically no coverage for the cost to remove the tree. The removal of the tree from the yard is the responsibility of the homeowner. Your Broker can certainly review your policy to explain your coverage and responsibilities further.

The circumstances of every home claim with vary by the severity of the damage. Generally speaking, you should be contacted by your claims adjuster within 24 hours of a claim being reported. If the claim was reported during a major weather event, such as an ice storm or flooding caused by rain, your adjuster may be delayed in responding. Claims are processed in the order they are received. But a priority is also given to those that have suffered an immediate catastrophic lose.

A home insurance policy requires that a policy holder submit all receipts for damages within 2 years from the date of the loss.