Financial Insurance FAQs

Yes, and the details matter. Your personal policy is built for everyday use, not carrying paying passengers. When the rideshare app is off, your personal coverage applies. When the app is on, the platform’s commercial policy can step in, but only during certain periods, for example, while you are waiting for a request, heading to a pickup, or on a trip. There can be gaps, especially for damage to your own car while you are waiting for a fare. At WB White Insurance, we review how often you drive, your vehicle, and your current limits, then line up options that close those gaps. We also look at liability limits, loss of use, and family protection, and make sure the deductibles make sense for your budget. An auto insurance broker gives you one place to compare carriers and endorsements, so you are not guessing about what is covered on a busy night.

A deductible is the amount you pay first on a covered claim. Higher deductible, lower premium. Lower deductible, higher premium. Collision and comprehensive usually have separate deductibles, and some insurers offer a lower glass deductible. The right number is the one you can afford without stress if something happens tomorrow. A quick example helps. If your collision deductible is 1,000 and a repair costs 1,400, you pay 1,000 and the insurer pays 400. If the repair is 900, you would pay the whole amount and likely skip a claim. At WB White Insurance, we price a few scenarios side by side so you can see the savings from a higher deductible and decide if it is worth the extra out of pocket risk. An auto insurance broker can also suggest pairing a slightly higher deductible with add-ons like rental car coverage to keep you mobile after a loss.

Choice and advocacy. When you buy direct, you get one company’s price and one set of rules. When you work with WB White Insurance, we shop multiple insurers, explain the trade-offs in plain language, and help you pick a fit for how you actually drive. That includes rideshare use, young drivers, winter tires, storage periods, and payment plans. We flag useful options like rental coverage, towing, and popular Ontario endorsements such as loss of use and family protection, then trim extras you do not need. If you have a claim, you call us first. We help you understand next steps, set expectations, and keep things moving. As an auto insurance broker, our job is to review your policy at renewal, check if another market makes more sense, and keep the paperwork simple so you can focus on the road.

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.

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