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11 May 22

What’s Covered?

EXTRA COVERAGE YOU SHOULD BE AWARE OF Special policies can cover the risks unique to your business. Business interruption This form of insurance provides you with the funds required to protect your business’ financial position if your operations are interrupted by an insured loss such as a fire. Features and costs will vary considerably depending […]

11 May 22

Reduce Your Insurance Costs

Nobody likes to pay insurance premiums so any chance to control or reduce cost is welcome. Your broker can help you minimize premiums by helping to define your insurance needs and by shopping around for the best policy. Don’t over-insure or underinsure Underinsure and you might be left carrying the cost of damage, theft or […]

10 May 22

Making a Claim

HOW AND WHEN TO MAKE YOUR CLAIM How you make your claim is as important as what you claim. The right time to make a claim is immediately or as soon as you are able, but you should also consider whether making a claim at all would be in your best interest. Alert your broker […]

10 May 22

Industry Links

10 May 22

Your Rights

CODE OF CONSUMER RIGHTS AND RESPONSIBILITIES Insurance companies, along with the brokers and agents who sell home, auto and business insurance, are committed to safeguarding your rights when you shop for insurance and when you submit a claim following a loss. Your rights include the right to be informed fully, to be treated fairly, to […]

10 May 22

Insurance and why you need it

Insurance is a contract in which the insurer agrees to compensate the insured for specific losses and specific perils. Insurance has many forms and functions but really just one purpose: to provide peace of mind. Four good reasons to insure In some cases insurance is mandatory – to obtain a mortgage, for example, or to […]

10 May 22

Glossary of Terms

The terms found in this glossary are not statutory definitions, and are not to be used for legislative interpretation or litigation purposes.

10 May 22

Difference Between a Broker and an Agent

What is a General Insurance Agent? Insurance Agents are employed by individual insurance companies or are independent representatives of specific insurance companies to sell that companyÃ¢â‚¬â„¢s products to clients. What is a Registered Insurance Broker? A registered insurance broker is an independent insurance professional in Ontario governed by the Registered Insurance Brokers Act. Brokers sell […]

10 May 22

The Broker Difference

As independent brokers we understand that everyone is different, with equally different insurance needs. Because of that, our approach to helping you become insured is also different. We won’t suggest products or coverage not appropriate for you, like some will. We’ll take the time to get to know you and your situation first; then only […]

What’s Covered?

Reduce Your Insurance Costs

Making a Claim

Industry Links

Your Rights

Insurance and why you need it

Glossary of Terms

Difference Between a Broker and an Agent

The Broker Difference

About JMHI

Insurance Services

Email Us

Contact Us

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