Insurance Brokers in Manotick, ON
The Necessity of Insurance in Manotick
While Manotick seems idyllic, you still need insurance to protect you from the unexpected. Despite its family-friendly community and proximity to nature, many things still happen. Even though you hope you never need insurance, you will always be glad you invested in it.Why Invest in Insurance?
In today’s economy, many people cut back on (deemed) unnecessary expenses. However, insurance is not an area you should gamble with. While you may think your chances of ever facing damages are slim to none, accidents can still happen. What happens if you don’t have coverage? In Canada, the statistics on insurance are astonishing.- In 2021, 21% of adults (1 in 5) lack prescription coverage. Of those that do have coverage, the levels vary drastically across plans.
- One-third of Canadians report they do not have life insurance.
- 52% of Canadians do not have a financial plan.
- Two in ten Canadians have gone without treatment because of insufficient/lack of coverage.
- 40% of businesses don’t have an insurance policy, while 25% feel they don’t need it.
What Is Your Safety Net?
The main reason to invest in insurance is it provides a safety net in an emergency. The damage from any disaster/accident ranges from mild to severe. While no one thinks the unexpected will happen, sometimes it does. It is better to be prepared no matter what the future holds. A comprehensive insurance plan protects against losses and covers expenses if you face relocation. Ensure your coverage encompasses all your needs—this is not something you can cut costs on. Too many Canadians have reduced costs in this area only to discover they can’t cover expenses in an emergency.Legal Insurance Obligations
All Ontario drivers must have auto insurance to match their vehicle type. The fines for violators range from $5,000-$50,000. Furthermore, you may receive a license suspension or have your vehicle impounded if you are caught without auto insurance. For businesses, while it isn’t illegal (per se) to not carry insurance, the legal requirement is that you carry general liability insurance under Canadian law. If you don’t, you are deemed non-compliant.Insurance Services in Manotick
Oegema, Nicholson & Associates is an independent brokerage. Our longstanding relationships with other providers allow us to leverage customized, affordable services tailored to our client’s needs. Therefore, we provide comprehensive coverage like no other.Home Insurance
Home insurance protects your Manotick house/possessions against loss, damage or theft. It may cover items stolen from your vehicle, injury/damage to visitors, and accidental damage to other people’s property. It may cover relocation costs as well.Tenant/Renter Insurance
Consider purchasing renter insurance if you are a tenant or live in an apartment in Manotick. It should cover the costs of replacing possessions in your home. The coverage is the same as listed above.Auto Insurance
An auto insurance plan in Manotick covers trucks, cars, motorcycles, and road vehicles. It provides protection against physical injury and damage to the vehicle from collisions. This insurance type also protects against financial loss from theft.Life Insurance
Getting life insurance coverage in Manotick is a worthwhile investment. It reduces the financial burden placed on your family after your death. Payment goes to your insured beneficiary in a one-time, tax-free payment. People use it to cover funeral and legal expenses.Small Business Insurance
Business insurance protects Manotick owners against losses from unforeseen events during daily business operations. It includes errors, injuries, and third-party property damage. Your coverage type depends on revenue, industry, and size. It ensures your business’s long-term survival.Professional Liability/Errors & Omissions Insurance
When you get professional liability insurance in Manotick, it offers protection against claims citing negligence or not delivering services as promised. It also covers media/advertising against libel, slander, or defamation claims.Farm Insurance
Agriculture and farming is a business. Our farm insurance plan in Manotick covers you if guests are hurt and protects you against property damage from daily operations. It also covers pesticide liability and legal costs.Group Benefits Insurance
The company tends to provide group insurance covering all eligible employees. Sometimes, the employer pays the insurance. However, employees can contribute to the policy as well.Choose Our Insurance Company in Manotick
If you suspect your coverage is inadequate, call us at 613-692-3403 or contact us here. Our insurance brokers in Manotick will create a customized solution that is affordable, understandable, and accessible. Our mission is to provide top-notch value in our insurance solutions, combining service, price, and coverage. We offer our clients knowledgeable advice, claim support, and ongoing policy maintenance. In any event, we are your advocate, boosting our experience to protect your interests.5526 Manotick Main Street
P.O. Box 149
Manotick, Ontario
K4M 1A2
Tel: 613-692-3403 Fax: 613-692-0695
Our Team
| Cindy Colfe, CIP Branch Manager | ccolfe@ona.ca |
| Tricia Kouk Personal Lines Account Manager | tkouk@ona.ca |
| Tyler Lussier, AIPC, CAIB Account Executive | tlussier@ona.ca |
| Blanche Sugrue Personal Lines Technical Assistant | bsugrue@ona.ca |
