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Originally Posted by ben voyonsdonc
Just to clarify - Touchstone and Rogers Insurance are not insurance companies. They are insurance brokerages who will bring you access to multiple insurers who support the broker network such as Intact, Aviva, Travelers, and Wawanesa.
TD is a direct writer as is RBC and AMA.
Cooperators uses the agency model where they use approved agents to sell their product locally. These agents do not sell anything other than Cooperators product.
I'm guessing that you may already know this but its a rather confusing concept for a lot of people!
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Don’t forget places like brokerlink who are “brokers” but really just agents who write for intact. Insurance is confusing and going to get even more so in the future!
As I mentioned before if you have access to a group program you should really look into it. Normally the savings are quite substantial compared to what you get off the street. Think alumni, employer, associations you may be affiliated with. Rates are going to be going up substantially once government allows increases so make sure you have the proper coverages and aren’t leaving money on the table.