Your current insurance broker might sell life insurance, home and auto insurance, mutual funds, and other investment products. They might work for a large firm and provide lacklustre service and turnaround times for vital insurance documents to keep your business efficient. Perhaps your business gets passed around each year to a new representative or someone new in the business.

We specialize in providing extremely high-level service and only commercial insurance - which at times can be highly complex and make insurance policy procurement difficult. We understand that great service and turnaround is critical for our clients as a simple certificate of insurance delay might mean not getting paid on time or releasing capital assets such as equipment or the release of financing for a construction project. We get it!

Also since we are 100% employee-owned we have a high degree of accountability. This is our business after all not somebody else's; we won't just pass you along to another department or somebody's voicemail. Our clients matter at every step of the entire commercial insurance life cycle (new business, renewals, servicing and especially when claims are made).

A commercial insurance broker will help you identify the risks associated with your business and advise you on what insurance products are available for these risks and, at your request, source the insurance covers that suit your needs from any number of local or foreign insurers. The broker will discuss the various options with you and help you select the best option and when agreed place the cover with the chosen insurer and arrange the documentation. The broker will also help you with general insurance advice and look after any amendments to the policies that may be required. In the event of a claim, the broker will assist you in the submission of the claim and will liaise between you and the insurer to bring the claim to a successful resolution.

In both business and private matters it is important that you have the right insurance cover. Wrong or inadequate protection can lead to dreadful consequences, thus the right advice makes all the difference and prevents costly mistakes. An insurance broker is a specialist in insurance protection, is independent and has invaluable know-how of the insurance market as well as access to the most reputable insurers available to provide professional and objective advice on identifying and exposing risks and recommend the most cost effective solutions.

An insurance broker offers a range of services from arranging new covers, insurance quotes, renewals and assists on claims; covering all classes of insurance business be it Personal Lines to Commercial Lines, Marine or Aviation. The broker forms an ongoing relationship with you to acquire all the knowledge required to provide a better service to you.

Brokers give advice and assist you in compiling and submitting your claim to the insurer. They arrange for a claim form to be completed by you, monitor the claim process and liaise between you and the insurer to bring it to a successful resolution.

No, notwithstanding the fact that both are insurance intermediaries, there is a big difference between the two. An insurance agent acts on behalf of one insurance company as an employee of that company and can only access the products offered by that company. They represent the interests of that company and not the client. An insurance broker is a full-time insurance professional who works for you and acts on your behalf. The broker deals with many insurers to find competitive rates and coverage. The broker is independent and obliged to act in your best interests.

Insurance brokers require a license to transact insurance under the Registered Insurance Brokers Act, and are regulated by the Financial Services Regulatory Authority of Ontario.

Yes! Unlike many insurance brokers in Ontario we are 100% independent, employee-owned and Canadian. We do not have any ties with any insurance companies or larger subsidiaries. Many consumers would be surprised to know that their brokerage is owned in part or wholly by an insurance company or that their brokerage is a subsidiary of a foreign firm operating in Canada. We do not have any financial interest from any insurers or any foreign subsidiaries. Full independence allows us not to be influenced by an insurance company owner or head office in a foreign country. It also allows us to find you the appropriate insurance products.

When insurers calculate their premium rating, this also includes a standard distribution cost. Essentially, this means that whether you use an insurance broker or go directly to the insurer, the price will generally be the same. You should keep in mind that the cheapest price may not always reflect good value. Using an insurance broker may not cost you more and, as far as possible, the broker will help you prevent uninsured losses.

Brokers receive a commission (brokerage) from insurers on the business they place with the insurers. The commission normally takes the form of a percentage on the premium paid. Since our firm has much lower overhead than our international competitors, we typically earn 7.5% - 20%. The large multinationals can earn up to 30% commission - that's just wrong in our opinion.

Our services are based on our appointment as your insurance brokers. So these services are provided free of charge to you.

There are certain areas, however, where we may charge fees to a client for services that do not form part of the broker’s appointment. Such services may include assistance in claims recovery where we may not have been appointed as insurance brokers; or assistance in effecting recovery from a third party in the event of an uninsured loss. Any fees and terms of reference will always be discussed with you beforehand.

Sussex Corporate Risk is a young, independent, dynamic and flexible brokerage with many years of experience in the insurance industry. We offer a vast insurance product range at competitive prices sourced from the most reputable insurers both locally and overseas.

Our clients vary from individuals insuring their small to medium sized businesses to large companies that have invested millions in their business and want to have continuous peace of mind. We have placed risks that are situated both in Canada, the USA and overseas but our service commitment to you will always be high irrespective of size and location.

Once you appoint us, we work for you and provide you with continuous assistance to satisfy your insurance needs. You deal with insurance professionals who know how to match your requirements with the right policy, and the right insurer at the right price. In the event of a claim we guide you and provide you with all the assistance possible to ensure a fast and satisfactory settlement of claims.

By signing a Broker of Record appointment you are confirming that you have appointed a firm to act as your Insurance Broker within the scope of the Registered Insurance Brokers Act.

Risk management is the identification, assessment and prioritization of risks followed by coordinated and economical application of resources to minimize, monitor and control the probability and / or impact of unfortunate events. We work with our clients to introduce risk mitigation measures in order where necessary to lower the chance of risk and in many situations, the actual cost of insurance.

Simple - call us at the phone numbers below for instant service!

No claim is the same. The moment you are aware that you may need to make a claim against your insurance policy, you need to inform us immediately by either calling us at 1-877-8-SUSSEX or else sending us an email on This email address is being protected from spambots. You need JavaScript enabled to view it.. We will take it from there and assist you step by step accordingly.