Errors and omissions is important coverage for business professionals who offer advice based service such as:
- Brokers and agents
- Management consultants
- Information technologists
- Software and website developers
As an expert in your field of work, your clients will trust the information you provide. It is important to note that your general commercial policy will not cover contract performance, error, professional advice or disputes. If you are a professional, make sure you have an errors and omissions insurance policy to protect your interests. Advocate represents some of Canada’s most reputable insurance companies so we can shop the market to find the best insurance options for you.
"We have recommended Advocate to many of our friends and family and anyone who got a quote also switched companies. Customer service is also excellent and I have and will recommend them again and again."-
"After a car accident, I was treated very well by Advocate's Personal Recovery Coordinator Linda. I am a happy customer and have referred many others to try Advocate as their brokerage of choice."-
"Linda is extremely considerate, compassionate and provides a level of service that is rare in this day and age. She is a true professional and a fantastic representative for the Advocate Group! Thank you for the great service!"-
"I have been with Advocate Insurance since I got my first apartment 26 years ago, and have always had great service. Even though I am no longer in in the Kitchener-Waterloo area I still use them for them for all my insurance needs."-
"We were with the same insurance company for over 20 years, assuming that we were getting the best bang for our buck until we got a quote from Advocate. We saved a considerable amount of money on the insurance and our liability coverage was substantially higher."-
"I was referred to Advocate Insurance by a friend/home caregiver. They were easy to work with and explained everything clearly. They also are great at knowing what kind of daycare insurance I need for running a home daycare. I now recommend Advocate Insurance to everyone I talk to."-
"My husband recently was involved in a 'fender-bender’ and was deemed not at fault. However, our car suffered considerable damage. Advocate Insurance Group handled our claim quickly and to our complete satisfaction. What could have been a difficult situation was stress-free."-
"I consider Advocate my insurance family. I always feel welcome and appreciated whether it be purchasing new insurance, changing existing insurance or simply obtaining clarification on a specific matter."-
"With two children becoming drivers at the same time, Advocate was very patient with all the changes being made. I always tell people to go to Advocate and they've never been disappointed."-
"Advocate has been great for our business. Annual renewal is smooth and easy. Their friendly and personal service is second to none, and their skill set and expertise instills confidence that we are getting the best deal."-
What’s the difference between a broker, agent and direct writer?
Unlike an agent or direct writer who works for the insurance company, a broker works with multiple insurance companies so they can shop the market for coverage and rate options for you. Advocate is an independent, licensed brokerage which means we work independently from the insurance companies. We are not influenced to sell you certain products. We work for you and put your needs first.
Insurance is there to protect your family and assets… don’t put them at risk! Always deal with a licensed professional who represents your interests, not the insurance company’s.
What is a deductible and how does it impact my premium?
In the event of a claim, your deductible is the amount that you pay before your insurance company steps in to pay the remaining costs (subject to the policy coverage and limits). Some people prefer a low deductible while some are comfortable being responsible for a higher deductible, knowing that this may lower their premium slightly. We can provide options to you so you can select what works best for you.
How do I know what coverage I need?
There are lots of things to consider. One of the benefits of working with a licensed broker is that they’ll review your needs and walk you through your coverage options. A broker, unlike an agent or direct writer, works with multiple insurance companies so they can shop the market and present options for you.
Do I really need an umbrella policy?
Consider for a moment whether it is possible that you could ever be sued. Do you drive a car? Do you have children? Do you have a dog? Do you ever entertain at your home? Do you or your kids use social media? If you answered ‘yes’ to any of these questions you are personally at risk. Despite best intentions, injuries and property damage can occur. That’s why home and auto insurance policies have liability coverage.
But what happens when that limit is used up? When was the last time you increased your liability coverage? It likely won’t be a surprise to you that court award judgments are on the rise. An umbrella liability policy is an excellent way to bring an additional layer of protection for you and your family. Ask us to provide a quote for your consideration because we want you and your assets to be protected.
I’ve moved. How do I update my address information?
You can call us at 1-888-278-7584, or submit a contact form here. Depending on the type of policy you have, we may need to ask you additional questions. For example, if you’ve moved we may need to change details on your auto policy (i.e. commuting distances) or update your property policy to reflect the details of your new home. Please remember to keep us up to date on any changes that impact your insurance policy.