What's the difference between a broker and a direct insurer?

A broker works for you, not the insurance company. I shop 40+ carriers to find you the best rate and coverage. Direct insurers only sell their own products. With a broker, you get unbiased advice and someone who advocates for you during claims.

Is it more expensive to use a broker?

No. Brokers are paid by the insurance companies, not by you. There's no additional cost for using a broker, and we often find lower rates because we can compare across dozens of insurers.

How quickly can I get a quote?

Most quotes are ready within 24 hours. For straightforward auto or home insurance, I can often provide a quote the same day. Complex commercial or multi-policy packages may take 2-3 business days.

What areas do you serve?

I serve clients across Ontario. Whether you're in Toronto, the GTA, or anywhere in the province, I can help with your insurance needs.

Can you help if I have a poor driving record?

Absolutely. I work with high-risk insurers as well as standard markets. Whatever your situation — tickets, accidents, or new driver — I'll find you the best available rate.

What happens if I need to file a claim?

You call me directly. I'll guide you through the process, advocate with the insurer on your behalf, and make sure your claim is handled fairly and promptly. That's the broker advantage.

Terms of Service

Last updated: March 2026

These Terms of Service ("Terms") govern your use of the All-Financials website and our insurance brokerage services. By using our website or engaging our services, you agree to these Terms.

1. About Our Services

All-Financials is a licensed insurance brokerage operating under the Registered Insurance Brokers of Ontario (RIBO). We act as your agent in shopping, comparing, and placing insurance coverage with various insurance carriers. We do not underwrite or issue insurance policies directly.

2. No Guarantee of Coverage

While we work diligently to find you the best coverage at competitive rates, we cannot guarantee that any particular carrier will offer coverage or that specific rates will be available. Insurance availability, terms, and pricing are determined by the carriers and their underwriting guidelines.

3. Accuracy of Information

You are responsible for providing accurate and complete information when requesting quotes or applying for insurance. Providing false or misleading information may result in policy cancellation, claim denial, or other consequences. If your circumstances change, please notify us promptly.

4. Quotes and Estimates

Insurance quotes provided through our website or in person are estimates based on the information you provide. Final premiums may differ based on carrier underwriting and verification. Quotes are not binding until a policy is issued by the carrier.

5. Your Responsibilities

Review all policy documents carefully upon receipt
Notify us of any changes to your insured property, vehicles, or circumstances
Pay premiums on time to maintain coverage
Report claims promptly in accordance with your policy terms

6. Website Use

This website is provided for informational purposes. The content does not constitute insurance advice for your specific situation. For personalized advice, please contact us directly.

7. Limitation of Liability

All-Financials shall not be liable for any indirect, incidental, or consequential damages arising from the use of our website or services, except where such limitation is prohibited by law. Our liability is limited to the extent permitted under Ontario law and RIBO regulations.

8. Governing Law

These Terms are governed by the laws of the Province of Ontario and the federal laws of Canada applicable therein.

9. Changes to These Terms

We may update these Terms from time to time. Changes will be posted on this page with an updated revision date.

10. Contact

Questions about these Terms? Contact us at bassem@insurewithus.ca or call [PENDING - replace before launch].