Find an Insurance Broker in Durham
Are you a small business owner in Durham? Are you interested in buying insurance for your company?
Business insurance protects you against a wide range of possible hazards, from natural disasters to cyber crime to lawsuits. Furthermore, different business sectors have very different insurance needs, so there's no "one size fits all" policy.
If you sit down and talk with an insurance broker in Durham, you can see whether you have any assets that require protection.
There’s risk involved in almost everything you do. Nobody can lead a life that’s free of risk. Auto accidents, natural disasters, cyber crime, fire, lawsuits, theft: these things can happen to anyone. They probably won’t -- but given the extreme financial cost of a catastrophic event, you’d have to be reckless to put your financial security at risk by not properly insuring your business assets.
Also, it's important to note that Ontario law requires all drivers to carry auto insurance. Additionally, lenders require that you protect their investment in your home or business with the proper insurance.
It's important to realize that there are numerous insurance products, spanning a broad spectrum of prices. Every insurance company puts together its own set of policies and services. Some offer more value than others, so you need to know what you're looking for.
There’s no standardized insurance package that works for everyone. Even with auto insurance, where the provincial government requires a certain baseline level policy, different people need different kinds of coverage. If your company owns a fleet of 5 or more vehicles, you can save money with a fleet insurance policy.
Personal automobile insurance needs also vary widely. Consider this: an 18-year-old who lives with her parents and drives an old compact car to school requires different kinds of auto coverage than a field technician who’s on the road for hours every day.
These days, every financial product imaginable is available online, and insurance is no different. You can Google “insurance,” and come up with dozens of websites that are eager to accept your money. The problem with this is that anyone can set up a website and payment gateway, so the responsibility falls on your shoulders to figure out if the online business is legitimate.
Where are they located? Do they have any kind of certification? Are they familiar with home insurance requirements or what Ontario laws say about auto insurance? If a company doesn’t have a physical office location, can you even trust that they’ll pay a claim if you're part of an accident or lawsuit?
You can also deal directly with insurance companies, who are always eager to attract new customers. Each insurer has their own set of products, and those products may or may not be the right choice for you. The company’s representatives have a financial incentive to sell you their own policies, so you won’t be receiving objective advice.
BST appreciates these businesses, but we don’t have allegiance to any one of them. Instead, we learn about your personal situation and then around on your behalf. We provide you with unbiased information because we’re not financially tied to any insurance company. Furthermore, our services are free to you because the company whose policy you ultimately buy will pay us a commission directly -- and we're very transparent about those arrangements.
Insurance is your protection in times of crisis, so it's essential that you choose a broker who will connect you with the protection you need. Choosing an insurance broker in Durham is like selecting any other professional; you should ask questions and check credentials. It's perfectly acceptable to talk with a potential broker before deciding whether to work with that person. The Financial Consumer Agency of Canada recommends asking the following questions:
At BST, we're proud to be completely independent, putting your interests first. For over four decades, we've developed relationships with Canada's leading insurance companies, and we are familiar with every product they offer. We focus on your budget and risk profile, making recommendations that will be most affordable for you while providing the best safety net.
Your BST insurance broker in Durham subscribes to the mission and values that have inspired this company since we were founded, over four decades ago: We pledge to act with respect, integrity and relationship, exceeding your expectations while we advocate for you.
You work hard to build your small business and to protect your family from catastrophic events. Your Durham BST insurance broker is ready to sit down and talk with you about the best way to meet your needs. Contact us today to learn more about your options and get a quote.