Ottawa Insurance Broker
Leading Insurance Brokerage in Ottawa
Whether you live and work in the Glebe or you take a road trip to Magog in the summer, you need insurance. You may need to protect your motorcycle or make sure you’re covered for liability at your home office. Whatever the need, you want to be prepared for the unexpected.
What are the Different Types of Insurance in Ottawa?
So, how is Sharp different from other insurance brokers? We do your shopping for you to find the right insurance coverage to fit into every part of your life.
Here are a few types of insurance we offer:
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Is Insurance Mandatory in Ottawa?
While it’s mandatory to have car insurance to drive in Ottawa, home insurance is a necessity. Consider life without adequate protection for your home and its contents.
If you live in the nation’s capital, you’re lucky enough to have access to entertainment, museums, and lots of green space. With lots of free activities, you can invest wisely in your home and toys.
But who do you talk to first? Sharp brokers have the knowledge and friendly demeanor to help you make those hard decisions about your settlement option to your deductible.
How to Get Cheap Insurance in Ottawa
Some people don’t realize how easy it is to save money on their insurance. Our Ottawa brokers will point you in the right direction to find you a rate that works just for you.
10 tricks to reduce your rates:
- Take transit or carpool to work
- Maintain your insurance policy without a break
- Find out the crime rate in your community
- Maintain a healthy credit rating
- Keep a clean driving record
- Avoid a claim if you can pay out of pocket
- Bundle your car and home policies
- Consider omitting comprehensive for your older car
- Set a higher deductible if you can
- Install winter tires and tell your insurer
You don’t have to do the grunt work. We do the calling and research to get you the rates for your lifestyle and budget. Give us a call when you’re ready.
What Insurance coverage do I need in Ottawa?
Say you have a flood in your condo, or your home pipes freeze in the frigid months. Are you covered? The level of protection you have depends on the details that are spelled out in your policy. At Sharp, we cover you for most (if not all) of your precious belongings that you’ve worked hard for. Our licensed brokers are here to assist you when you’re unsure of any insurance lingo or what your deductible means. We’re here to help you out.
How to Get a Free Online Insurance Quote in Ottawa
If you live in Ottawa, it’s quick and easy to connect with us and get a competitive insurance quote. Simply fill in a quote form under Submit a Claim, email us, or give us a call us when it works for you.
If you’re in a rush or just want efficient service, follow the steps below and you’ll be closer to getting a competitive quote.
3 Easy Steps to get a free online quote:
- Request an insurance quote online, by phone, or via email.
- Keep your insurance policy in a easy access area at home
- Request a quote from multiple insurance companies.
Our brokers in Ottawa are here for you to discuss everything from your policy limits to your settlement options for your home, vehicle, condo, or your travel needs. Get a quote today.
What are the Common Types of Business Insurance in Ottawa?
Protecting your assets from damage and yourself from a potential lawsuit should be on your mind when you start any size or type of business. If you head a start-up or you’ve been a CEO for 25 years, you likely have employees and equipment to protect. We can help you sift through the fine print of your policy to find out what you really need and how much it will cost.
7 Types of Business Insurance:
Property Damage
This protects you from losing funds after a loss to your business property and its contents. Examples include your furniture, computers, and other expensive items.
Professional Liability
This coverage helps you if you get sued and provides you with financial assistance.
Equipment Breakdown
Equipment breakdown coverage covers repairs or replaces new equipment.
Business Interruption
If your business shuts down due to an insured loss, business interruption will cover expenses, including your employee’s pay.
Commercial General Liability
This insurance type will help you pay for unintentional injury to a visitor and their belongings.
Cyber Liability
Cyberattack or data breach protection is available with this type of coverage.
Commercial Auto
If you have a commercial fleet of vehicles that you use for your business and there is a loss, this protection helps you pay for the damages.
What is a Loss Settlement Option?
A loss settlement option is the set amount your insurance company has agreed to pay you after an insured loss. But how is it calculated? There are 3 loss settlement options to choose from, depending on how much you want to pay and what coverage you need.
Get a Quote3 Loss Settlement Options:
Actual Cash Value
Actual cash value is the price of an insured item, based today’s value. This value is replacement cost minus depreciation, up to the set policy limits.
Replacement Cost
Replacement cost will cover the price you paid for the original item – up to a certain amount. This does not consider depreciation, but you’ll get more money back if you have a loss.
Agreed Value
Agreed value is the price the adjuster and the insured agree upon as the price that you’ll get after an insured loss.
What is a Policy Limit
Whether its for your home, auto, condo, or trailer, a policyholder must set a policy limit on each item they insure. A policy limit is the maximum amount your insurance company will give back to you after you suffer an insured loss. Limits are defined individually per each insured item and set when you set up or renew your insurance policy.
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What Factors Impact your Ottawa Insurance Rates?
Most people know that a new driver will have higher rates than a seasoned motorist. The same applies for a home policy in a high crime area – your insurance rates will likely reflect the area. These elements you can’t control. Find out what variables you do have control over to affect your rates – including your claim history and deductible amount.
It pays to do your homework or have one of our brokers shop around for you.
9 Factors that affect your insurance rates:
What are the Insurance Companies We Work With in Ottawa?
Sometimes too many choices can be more confusing than one choice. If you need an insurance policy for multiple homes, several high-end toys, or simply for your car – we direct you to the insurance company that can help you in one or multiple areas. We take your lifestyle and budget concerns seriously.
With the MySharp app, you can easily access and print your pink card, submit a claim, request a change, or simply review your insurance policy details. You don’t need a specific device – our app can be accessed on your smartphone or computer. Call or email us if you need more details.
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Why Choose Sharp Insurance as your Ottawa Brokerage?
Sharp provides tools that will help you access your insurance documents when you’re busy and disorganized. Why spend time dealing with insurance lingo when you don’t have to. Our brokers have you set up for success. Sign up for the MySharp app or call one of our brokers when it’s the best time for you. Here are more ways we help you:
You choose your insurance company.
We help you craft your ideal insurance policy with the insurer of your choice.
You have time for yourself.
Our brokers do the heavy lifting so you can get back to doing what you do best.
You have access to digital tools:
The MySharp app makes it simple to find your insurance details or submit a claim on the road or in the comforts of your home.
Your needs are our #1 priority:
We help you get optimal rates coupled with value that matches your unique needs.
We take good care of your needs
We want the same as you: to have the best possible rates and awesome customer service. We deliver!