You’re Not Alone – Begin Your Claim Journey
We're Here For You
If you’ve found yourself on this page, chances are you’re going through a stressful time — and we want you to know that our first concern is for your safety and well-being. Whether it’s an auto accident, property damage, or another type of loss, we’re truly sorry you’re experiencing this. While insurance is what we do, people are who we care about.
We’re here to guide you through the claims process, and while your insurance provider is your first point of contact for filing a claim, please know you’re not alone. We’re still part of your support system.
Contact Your Insurer
The first step is for you to contact your insurance provider directly. We have included all our insurance providers below – listed alphabetically. Click a company logo to view its claims page, or click the button to view phone numbers for contacting your provider directly. Please ensure you have all necessary information ready before you call.
If you have questions about your policy, or would like to speak with your broker before submitting a claim, please contact us directly – we are here for you.
Business Hours: Contact Broker
Emergency Claims ONLY
Emergency Marine Claims ONLY
Business Hours
- Ontario, Manitoba, Saskatchewan: 1-800-461-6110
- British Columbia: 1-800-663-0597
- Alberta: 1-888-814-2555
- Quebec: 1-800-361-7653
After Hours
- Ontario, Manitoba, Saskatchewan: 1-800-663-0355
- British Columbia: 1-800-364-2575
- Alberta: 1-888-814-2555
- Quebec: 1-800-361-7653
Business Hours: Contact Broker
After Hours
- Property, Casualty, Environmental/Pollution Claims: 1-800-387-5677
- Marine Claims: 289-897-8676
- Commercial Auto: 1-877-268-5888
FAQs
What do I do in case of an auto loss?
If you’re involved in an accident:
- Ensure everyone is safe. Call 911 if there are injuries or significant damages.
- Move to safety if possible and exchange information with all involved drivers.
- Document the scene. Take photos of the vehicles, damage, and any relevant details (license plates, road conditions etc.).
- File a police report if required in your area (often mandatory if damage exceeds $2,000 or involves injuries).
- Contact your insurance provider directly to begin the claims process (see contact list below).
What do I do in case of a property loss (home, condo, tenant, or commercial property)?
- Make sure everyone is safe. If needed, call 911 for assistance.
- Take steps to prevent further damage — if it is safe to do so. This might include turning off the water, covering broken windows, or securing the property.
- Document everything. Take photos or video of the damage before cleaning or starting repairs.
- Do not discard damaged items unless they pose a safety risk — your insurer may need to assess them.
- Contact your insurance provider as soon as possible to report the loss and begin the claims process (see contact list below).
- Keep receipts for any emergeny repairs or accomodations (like a hotel stay) — these may be reimbursable under your policy.
Should I make a claim?
- Repair Costs Vs. Deductible: If the cost of repairs is close to or less than your deductible, it may not be worth filing.
- Impact on Premiums: Submitting a claim could affect your future insurance rates.
- Minor Losses: For small losses, it might be more cost-effective to pay out-of-pocket.
- If you’re uncertain, don’t hesitate to reach out to your broker. Many insurers also offer claims counselling — they can help you determine whether filing a claim is in your best interest.
What information should I have ready before calling my insurer?
When you call, it helps to have the following information on hand:
- Your policy number (if available).
- Date and time of the incident.
- Details of what happened.
- Names and contact information of any involved parties or witnesses.
- Any police report number (if one was filed).
- Photos or video of the damage, if possible.
What happens after I file a claim?
Once the claim is submitted:
- A claims adjuster will be signed to your case.
- They may reach out for additional details, photos, or documentation.
- The adjuster will help assess the damage and determine what is covered.
- Your insurer will guide you through the repair or reimbursement process and provide updates along the way.
Can I still talk to my broker for advice?
Absolutely. While your insurance company will handle the claim directly, we are still here to support you. If you have general questions or need help understanding your policy, don’t hesitate to reach out. Our job is to make sure you feel informed and cared for.