RIBO Registered Insurance Broker In Ontario.
BrokerUnion is an independent, RIBO-licensed brokerage serving clients across Ontario from six offices in Pickering, Barrie, Mississauga, Whitby, Sudbury and Kitchener.
Rather than selling policies from a single insurer, we compare quotes across 50+ carrier markets, including Aviva, Intact, Travelers, Wawanesa, Economical, Gore Mutual, Manulife, Sun Life, Desjardins, RBC Insurance, Canada Life and Chubb, to find coverage that fits your situation and your budget.
Auto, home, condo, and tenant insurance, live online quote in under 5 minutes, no broker fee.
- Insurance markets
- 50+
- Languages spoken
- 25+
- Google reviews
- 675+ ★
Serving all of Ontario — visit us at one of our six offices
- RIBO Licensed
- IBAO Member
- Independent brokerage
- 6 full-service offices
- 25+ Languages
- 675+ Google Reviews
Recognition
Our Commitment to Excellence
Independent recognition from the broker community, national industry publications, and the clients we serve.
2025 & 2026Consumer Choice Award
Home & Auto Category
2024Fast Brokerage
Insurance Business Canada
2024Fast Starter
Insurance Business Canada
2023 · 2024 · 2025Business Excellence
ThreeBest Rated
2022Brokerage of the Year
IBAO Awards of Excellence
Why BrokerUnion
Why Work With an Independent RIBO-Licensed Broker.
Not a call centre
Every client is matched with a dedicated, licensed broker who knows their file, rather than being routed to whoever picks up.
Multi-carrier access.
With 50+ carrier markets, we're not limited to promoting one insurer's product line.
RIBO-licensed, IBAO member
Our property and casualty business is regulated by RIBO; our life and wealth advisors are LLQP-licensed and regulated by FSRA
Multilingual support
Brokers across our offices work in more than 25 languages.
Dedicated claims advocacy
A claims advocate stays involved when you need to file a claim, rather than handing you off to a general claims line.
Annual policy review
We re-shop client policies at renewal rather than letting coverage auto-renew unreviewed.
Recognized in the industry
BrokerUnion has received the Consumer Choice Award for Home & Auto (2025 and 2026), Insurance Business Canada's Fast Brokerage and Fast Starter awards (2024), ThreeBest Rated's Business Excellence award (2023–2025), and the IBAO Award of Excellence for Brokerage of the Year (2022).
Client-reviewed.
More than 675+ Google reviews at a 4.9 average rating.
Our Carrier Partners
One brokerage. Multiple insurance carrier partners.
We hold appointments with leading personal, commercial, specialty, and life & health markets, so we can compare options on your behalf across a wide range of risks.
Carrier availability, eligibility and pricing vary by client, risk, location and underwriting guidelines. A licensed advisor will review available options with you.
Don't see your current carrier? Ask us, our market access keeps growing.
What we offer
One brokerage. Every coverage you need.
From your first car to your growing business, we shop the market so you don't have to.
What we offer
Auto Insurance
Drive protected across Ontario.
Learn more
What we offer
Property Insurance
Protect what matters most.
Learn more
What we offer
Business Insurance
Coverage that scales with you.
Learn more
What we offer
Life & Wealth
Plan for every chapter.
Learn more
What we offer
Travel Insurance in Ontario
Travel with peace of mind.
Learn more
What we offer
VIP Service
White-glove brokerage for high-value clients.
Learn more
What we offer
Group Benefits
Health & benefit plans for your employees.
Learn more
Our own app
Your entire policy life, in one app.
Policy letters, pink slips, certificates, renewal notices, claims documents and broker communications, all in a single secure place. Even if we move you between carriers to keep your premium sharp, your app and your history stay the same.
Pink slips & policy docs
Instant access to auto liability cards, policy wordings and certificates.
Renewal & claim updates
Push notifications keep you ahead of expiries and claim milestones.
Carrier-switch friendly
Change insurers without changing how you manage your coverage.
Secure broker chat
Message your dedicated broker directly from your phone.
Welcome back
BrokerUnion App
Active policy
Auto · 2024 Honda CR-V
Renews · Aug 14, 2026
Pink slip
Home policy
Notifications
Call broker
Latest document
2026 Auto renewal letter.pdf
Prefer a broker callback?
Talk to a licensed broker.
Our live quote tool covers Home, Auto, and Mortgage instantly. For everything else, Business, Life, Travel, Group Benefits, or even Home and Auto if you'd rather have a real person walk you through your options, drop your details here and a licensed RIBO broker will reach out personally. Just have a general question? Pick it from the list and we'll get back to you.
One-to-one advice from a licensed RIBO broker.
Same-day callback during business hours.
Tailored coverage across all major Canadian carriers.
Service areas
Local Canadian brokers, near you.
One brokerage, six Ontario offices. BrokerUnion Insurance Inc. serves clients from Pickering (head office), Barrie, Mississauga, Whitby, Sudbury and Kitchener. Broker Nation Insurance (Mississauga), The Insurance Lab (Whitby) and Truly Insurance (Kitchener) are divisions of BrokerUnion Insurance Inc.
Pickering
BrokerUnion Insurance., Head Office
Barrie
BrokerUnion Insurance, Barrie office
Mississauga
Broker Nation Insurance (A division of BrokerUnion Insurance)
Operating as Broker Nation Insurance, a division of BrokerUnion.
Whitby
The Insurance Lab (A division of BrokerUnion Insurance)
Operating as The Insurance Lab, a division of BrokerUnion.
Sudbury
BrokerUnion Insurance, Greater Sudbury office
Kitchener
Truly Insurance (A division of BrokerUnion Insurance)
Operating as Truly Insurance, a division of BrokerUnion.
BUYER'S GUIDE
How to Choose an Insurance Broker in Ontario
The right insurance broker in Ontario is licensed with RIBO, independent of any single insurer, open about how they are paid, and still there for you at renewal and claim time. Use this checklist to compare any brokerage, including ours, before you share your details or sign anything.
1. Confirm the broker is licensed with RIBO
Anyone who sells or gives advice on auto, home or business insurance in Ontario must be licensed by the Registered Insurance Brokers of Ontario (RIBO). Licences renew every year, from October 1 to September 30. Search the broker's name or licence number in RIBO's public Broker Search and confirm the status is active and the broker is authorized under the brokerage you are dealing with. If you can't find them, contact RIBO at licensing@ribo.com or 1-800-265-3097.
For life insurance, critical illness or disability coverage, the advisor needs an LLQP licence regulated by the Financial Services Regulatory Authority of Ontario (FSRA).
2. Make sure they are truly independent
A broker works for you and compares several insurance companies. An agent usually represents one insurer and can only offer that company's products. Ask how many insurers the brokerage can actually place your policy with, not just which logos appear on its website.
3. Ask how they are paid
Most Ontario brokers are paid a commission by the insurer, so you don't pay a separate broker fee. If a brokerage does charge a fee, it must be disclosed before the service is provided. A good broker explains this in writing without you having to ask twice.
4. Look for local knowledge and the right experience
Insurance risks change with where and how you live. Winter driving in Northern Ontario, a condo in Mississauga and a tech startup in Kitchener all need different conversations. Choose a broker with an office near you and experience with your type of vehicle, property or business.
5. Check what happens after you buy
The real test of a broker comes at claim time and at renewal. Ask whether you will have one dedicated broker, whether they help you through a claim, and whether they re-shop your policy before it renews.
6. Read recent reviews and look for credentials
Read recent Google reviews and see how the brokerage responds to complaints. Membership in the Insurance Brokers Association of Ontario (IBAO) and independent industry awards are further signs of a well-run brokerage.
Questions to Ask Before You Choose a Broker
- Are you and your brokerage licensed with RIBO?
- Which insurance companies can you quote my policy with?
- How are you paid, and will I pay any broker fee?
- Will I work with one dedicated broker?
- What do you do for me if I have a claim?
- Do you review and re-shop my policy at every renewal?
- Can you explain my coverage in my preferred language?
Red Flags to Watch For
- The broker can't be found in RIBO's Broker Search.
- You are pressured to sign or pay before seeing your coverage in writing.
- The website shows insurer logos, but the broker can't confirm which insurers they actually work with.
- Fees or commissions are vague, or only mentioned after you agree.
- There is no office address, only social media or messaging apps.
How BrokerUnion Measures Up
| What to check | How to verify | BrokerUnion |
|---|---|---|
| What to checkLicensing | How to verifyRIBO Broker Search | BrokerUnionRIBO-licensed brokerage; life advisors LLQP-licensed and regulated by FSRA |
| What to checkIndependence | How to verifyAsk for the insurer list | BrokerUnion50+ insurance markets. See the insurers we work with |
| What to checkHow we're paid | How to verifyWritten disclosure | BrokerUnionCommission and any fees disclosed up front. Read our disclosures |
| What to checkLocal presence | How to verifyOffice address | BrokerUnionSix Ontario offices. Find your nearest office |
| What to checkAfter-sale support | How to verifyService commitments | BrokerUnionDedicated broker, claims advocacy and an annual re-shop. Our service standard |
| What to checkReputation | How to verifyGoogle reviews and IBAO | BrokerUnion4.9 average from 675+ Google reviews; IBAO member |
| What to checkLanguage | How to verifyAsk directly | BrokerUnionService in 25+ languages. See our languages |
Don't just take our word for it. Look up BrokerUnion in RIBO's Broker Search, then get a free quote or speak with a licensed insurance broker.
What does a licensed insurance broker do?+
A licensed insurance broker compares policies across multiple insurance companies and recommends coverage based on the client's needs, rather than selling products from a single insurer. In Ontario, brokers are regulated by RIBO and must meet licensing, conduct and continuing-education requirements.
What's the difference between an insurance broker and an agent?+
A broker represents the client and can compare multiple insurers; an agent typically represents one insurance company and can only offer that company's products. Buying direct from an insurer removes the intermediary altogether, along with the market comparison and claims advocacy a broker provides.
Is it more expensive to use a broker? +
No. Premiums are generally the same whether purchased through a broker, an agent, or directly from an insurer. Brokers are paid commission by the insurance company, not a separate fee charged to the client.
What affects my auto insurance premium in Canada?+
Common factors include your driving record, the vehicle you drive, where you live, your claims history, and the coverage limits and deductibles you select.
What property insurance do I need in Canada?+
It depends on the property. Homeowners generally need coverage for the structure, contents and liability; condo owners need coverage that complements the building's master policy; tenants need contents and liability coverage without owning the building itself.
Does home insurance cover water damage?+
It depends on the cause. Sudden, accidental water damage like a burst pipe is commonly covered under standard policies. Damage from gradual leaks, lack of maintenance, or overland flooding often isn't covered without a specific endorsement, so it's worth confirming what your policy actually includes.
What insurance should a small business in Canada consider?+
Most small businesses should look at general liability, commercial property, and business interruption coverage, with professional liability or cyber coverage added depending on the industry and whether the business handles client data.
Are group benefits only for large companies?+
No. Group benefit plans can be structured for small businesses and scaled up as the company grows, covering areas like health, dental and disability benefits.
What should I do after a claim?+
Contact your broker before assuming what is or isn't covered. A broker can help interpret the policy, communicate with the insurer, and follow up if a claim is delayed or disputed.
How it works
How Working With BrokerUnion Works
A simple, transparent process so you always know what happens next.
- 01
Get in touch
Start a quote online, call a broker directly, or request a callback.
- 02
Share your details
A broker reviews your driving, property, business, or family details.
- 03
Compare the market
Your broker shops your profile across our carrier network and shortlists the options that fit.
- 04
Review and choose
You review coverage, limits and pricing with your broker before deciding.
- 05
Ongoing support
Access policy documents, renewals, claims, and broker chat through our client app.
- 06
Annual re-shop
At renewal, we compare your policy against market rates before letting it auto-renew.
Better coverage. Better prices. Better service.
Get a Canadian insurance quote in 5 minutes, no obligation, no pressure.