Our Insurance Solutions & Services
Insurance services come in a variety of shapes and sizes because no two homes or lives are alike. At Ron Johnston Insurance, we strive to offer you with bespoke insurance options, providing the coverage you want at a price point that meets your needs.
Some of the insurance products you can expect through our expert brokers include:
Home insurance protects you and your property against damage, loss, and liability issues. There are different variations of home insurance depending on the type of dwelling you own or rent.
Homeowners insurance is not mandatory by law in Ontario, but it is required by most major financial institutions. If you have a mortgage, you will likely need a homeowners insurance product.
Home insurance products can be extended to protect against named perils, all perils, or comprehensive coverage. Basic home insurance packages offer coverage against:
- Fire Damage
- Lightning Damage
- Wind Damage
- Hail Damage
Tenant and Renters Insurance
Property owners must protect their stake in a rental property through renters insurance. Renters, also known as landlord insurance, helps cover the cost of damage to common areas, the main structure of the building, the property surrounding the building, and other factors.
Tenant insurance protects you as the renter of a property from financial obligation in the event of damage or theft. The landlord’s insurance does not protect the belongings inside your apartment.
Tenant insurance protects you from being financially culpable in cases of
- Storm damage
Condos require an insurance product which falls squarely between homeowners and renters insurance. While condo owners purchase their homes, the property, and connecting properties belong to the condo corporation. This saves in maintenance and upkeep, but it does mean a separate insurance service is required.
Condo insurance is critical in the event of damage to the external portion of the property that isn’t covered by the condo board. Condo insurance helps cover these additional costs as well as:
- Fire damage
- Wind and lightning damage
Cottage, or seasonal home insurance, protects your cottage even when you are not in it. Should your cottage be damaged by falling objects, theft, or caught in inclement weather, your cottage insurance will protect it up to a certain price point.
In Canada, auto insurance products are required by law before you can drive a vehicle. This includes a variety of vehicles, such as:
- Classic Car
- Recreational Vehicles
Auto insurance differs from vehicle to vehicle, speak to your broker about the right insurance service for yours.
Basic auto insurance protects you in the event of:
- Uninsured drivers
- Falling objects
- Inclement weather
Whether you are struck by another vehicle, or your vehicle damages a neighbor’s property, your auto insurance is there to reduce financial obligation, paying for repairs, hospital bills, tow trucks, emergency services, and more.
Ron Johnston Insurance works with businesses across Ontario, supporting companies with a wide range of insurance products, including:
Small Business Insurance
Small business insurance is crucial in a big business economy. It protects you against everything from slip and fall incidents on your property, to loss of wages in the event of a closure.
General Liability Insurance
General liability insurance serves as an overall failsafe for liability issues pertaining both to the physical location of your business, as well as services and products. It is especially helpful in industries such as:
Commercial Auto Insurance
All Canadian vehicles must be insured, including commercial vehicles. If you own company cars, transport trucks, or even recreational vehicles for staff use, commercial auto insurance products will protect you from costs related to:
- Uninsured Driver
Farm insurance differs from other business insurance models due to the type of work being accomplished. While professional farmers always hope for a fruitful year, there are times when crops don’t yield or livestock doesn’t perform as expected.
Farm insurance includes various coverage options, such as:
- Farm equipment coverage
- Farm structure coverage
- Crop dusting plane coverage
Directors and Officers Insurance
Directors and officers insurance protects the lead executives of your company from financial culpability in lawsuits related to:
- Bad investments
- Unfair business protocols
- Leak of classified company information
- Employee misconduct
Directors and officers insurance products do not protect in illegal situations.
Errors and Omissions Insurance
Errors and omissions insurance services protect in situations of malpractice or misinformation which cause another party to lose money.
Cybersecurity is essential to Canadian companies. If your business loses data due to:
- Faulty Software
- Employee negligence
Your cybersecurity insurance product helps cover the costs of damages in court, or to your system.
If you own a business in Canada, we can help. Our experienced brokers follow recent trends in business and insurance, ensuring we have the best coverage at the right prices for our business clients.
Life insurance services are there to protect your loved ones from unexpected bills if you should become ill, injured, or die. Ron Johnston offers life insurance products such as:
- Whole Life
- Universal Life
- Long Term Disability
- Critical Illness
If you are unsure which life insurance service best suits you and your lifestyle, our experienced brokers can help you better understand each product.
When you leave Canada, your Canadian medical coverage no longer applies. Should you fall ill, or be injured, in a foreign country, you may find yourself paying out of pocket for medical expenses.
Travel insurance products also protect you in cases where:
- Luggage is lost or stolen.
- Flights are cancelled.
- Layovers are longer than expected.
- New accommodations are required.
- Unplanned travel is necessary.
Extended travel insurance options are available to increase coverage amounts and protect against additional perils.
I really enjoy dealing with my broker at Ron Johnston insurance. Neil McKendrey has helped so much, with all of my commercial insurance needs for running my business! I would highly recommend dealing with RJI for their great quality of service!
Their whole staff is great, and Chris is a lifesaver. Strongly recommend them!
Ron insurance we're really professional people and help me out greatly with my policy