Friday, November 25, 2016

Condominium owners insurance, Tenant insurance and Auto insurance in Bloor Yorkville area, Toronto

If you have condominium insurance, tenant insurance or auto car insurance in Yorkville Bloor area of Toronto, and are looking for an insurance broker that has contracts with RSA, Aviva, Economical, Gore and Intact, please contact us.


We are happy to help you fulfill your insurance need. 

Bridges International Insurance Services

Wednesday, November 9, 2016

Toronto Spas and Salons Insurance

Every year, a new trend pops up in the spa and salon industry that can cause hard to get coverage.  Be assured that we can adapt with those changes.

We offer a comprehensive general liability and property package including crime to make sure all your risk exposures and covered. We are able to handle a small in-house operation to a large chain.

Spa and Salon operations considered:
  • Manicures and Pedicures
  • Eyebrow/Eyelash Tinting
  • Eyelash Extensions
  • Beauty Schools
  • Chemical Peels
  • Laser Hair Removal
  • Waxing/Sugaring
  • Hairstylists/Barbers
  • Tanning Booths and Saunas
  • Teeth Whitening
  • Spray Tanning
  • Facials
  • Micro Needing
  • Micro Blading
  • And more...
The program provides
  • Options for $2,000,000 or $5,000,000 CGL
  • $2,000,000 Errors and Omissions Coverage
  • $1,000,000 Tenants Legal Liability
  • $1,000,000 Employer's Legal Liability
  • $1,000,000 Employee Benefits Liability
  • $1,000,000 Sexual Misconduct and Molestation (Claim Made)
  • Participant Coverage
  • Property Coverage Available

Saturday, November 5, 2016

Toronto - 5 ways to cut the cost of small business owners' automobile insurance

Margins are often tight for small business owners and finding ways to cut costs is essential. For organizations who require automobile insurance, there are many effective ways to save cash and avoid the unnecessary consequences of collisions. From driver selection to risk management, most businesses requiring auto coverage have potential to reduce collision frequency and, ultimately, lower their insurance costs.

Mandip Hullait Director, Commercial Auto, RSA Canada shares her top 5 suggestions of how small business owners can cut the cost of their automobile insurance.

Driver screening
“It’s a good idea to take extra time to screen your drivers, such as checking accident history, conviction record, number of years licensed and continuous driving experience on similar types of vehicles in Canada or US,” says Hullait. “It’s also imperative to make sure the driver has the appropriate class of license required to operate the type of vehicle.”

Tweaking your coverage

Adjusting your policy to fit your specific business needs - with help from your broker - could be a move that creates some significant savings. “Increasing your physical damage deductibles could definitely help lower your premium,” Hullait says. “Also, in some situations it’s worth removing collision coverage from older model vehicles as their values significantly depreciate.”
Hire drivers with proven experience

“Hiring experienced drivers is the first step to maximizing the success of your business,” Hullait says. “Formal guidelines are a necessity to establish acceptable driving qualifications for any employee who regularly drives company vehicles. Also, conviction free drivers are entitled to a discounted rate.  Those drivers with two or more minor convictions are subject to a rate surcharge, so careful driver selection and monitoring drivers on an ongoing basis will continue to help save premium dollars!” 

Loyalty to insurer
In today’s competitive market, small business owners may feel the need to shop for a better price at renewal.  To save you time and money, most insurers want to work with you by rewarding your loyalty.  The longer you stay with your insurance provider, the higher the loyalty discount with them.
Multiple lines of insurance coverage with one insurer

Time is precious when you own a small business.  Business owners with multiple insurance needs who place both their automobile and property casualty insurance with one carrier are often entitled to a Multi-line Discount.  This saves valuable time, money and not to mention the convenience of dealing with the same insurer.

For more information on loss prevention measures that small business owners can take to reduce their insurance costs, visit

Bridges International Insurance Services

Sunday, October 2, 2016

Fitness and Lifestyles Liability Insurance Program

We offer Fitness and Lifestyle insurance program with extended coverage and competitive rates.

Risk types:

  • Individuals and Group Instructors
  • Fitness Studio and Health Clubs
  • In-Home Studios
  • Hot Yoga
  • Outdoor Bootcamps
  • Yoga, Pilates and Reiki
  • Online Services

Policy premiums as low as $200 for an individual fitness instructor.

Highlights and Enhancements

All risk coverage

  • Up to $5,000,000 CGL in-house capabilities
  • Participants Liability included
  • No Deductible
  • $2,000,000 Errors and Omissions
  • $1,000,000 Abuse (Claim Made)
  • $1,000,000 Malpractice (Claim Made)
  • $1,000,000 Tenants Legal Liability
  • $1,000,000 Employer’s Liability
  • $1,000,000 Employee Benefits
  • $100,000 Voluntary Compensation Benefits
  • All trainers working on your behalf including Contracted Employee are covered under one policy
  • Property coverage available
  • Legal Expense coverage available
  • Cyber coverage available
Please contact

Toronto, Ontario

Wednesday, August 31, 2016

Uber drivers in Ontario now insured automatically

The Canadian Press Posted: Jul 07, 2016 12:52 PM ET
A new insurance policy covers all Ontario Uber drivers, passengers and vehicle owners when Uber is in use, and when the app is off the vehicle owner's personal auto insurance policy applies. (CBC).

Uber drivers in two Canadian provinces are now insured, as Ontario joins Alberta in approving coverage that extends from when the app is turned on to when passengers exit the vehicle.
Ontario's insurance regulator announced Thursday that it has approved a policy from Intact Financial Corp. for private vehicles transporting paying passengers through the ride-hailing service.
Last week, Intact began offering coverage for Uber drivers in Alberta and both companies are working with Quebec to get similar insurance in place.
"This new ridesharing insurance approved by (the Financial Services Commission of Ontario) should serve as a practical solution designed for ridesharing," Uber Canada's general manager, Ian Black, said in a statement.
"Both (Intact) and Uber remain engaged with regulators across Canada to bring new ridesharing insurance policies that offer a smart, seamless and simple solution for driver-partners."

Insurance gap

The Financial Services Commission of Ontario said the "blanket fleet coverage" addresses a "critical insurance gap" for the industry.
CEO Brian Mills said in a bulletin posted to the regulator's website that he anticipates new insurance policies that build on what has been approved for Intact will be filed in the future.
"Going forward, I want to emphasize that the sharing economy in general, and the automobile insurance implications in particular, will continue to evolve and will require innovative solutions and responses by all stakeholders, including FSCO, that respond to technological advances," Mills wrote.
"At the same time, I want to emphasize that approved solutions may also need to evolve and adapt as circumstances and legal requirements change. Therefore, any policy form or endorsement that I approve is also subject to ongoing review."
The new policy covers all Uber drivers, passengers and vehicle owners when Uber is in use, and when the app is off the vehicle owner's personal auto insurance policy applies.

Regulatory change

The Ontario government approved a regulatory change under the Insurance Act to allow insurance companies to develop commercial fleet insurance policies for ride-hailing companies.
It says the regulatory change is an interim measure while the province works with FSCO and the insurance industry "to modernize the auto insurance system to develop a permanent solution for emerging transportation services."
The Liberal government doesn't appear keen to pass a private member's bill from Progressive Conservative Tim Hudak to regulate Uber, AirBnB and other services in the so-called sharing economy. The bill passed second reading in last fall but has yet to go before committee to be studied.
But the government has set up a sharing economy advisory committee to look at policy, regulatory and legislative challenges associated with the emerging industry.
The Intact policy provides coverage that includes statutory accident benefits, uninsured motorist coverage and third-party liability of up to $1 million while the app is in use but no ride has been accepted and $2 million after a ride has been accepted.
For collision and comprehensive coverage to apply, the vehicle owner must be covered in that way under their personal policy.

Sunday, June 12, 2016

Medical Malpractice Insurance

  • Alternative Therapists - Naturopathic, Chinese Medicine, etc
  • Allied Health Care Professionals - Home care & personal support, Counselling & Therapists, Respite & Palliative Care, First Aid & Safety Training, etc
  • Healthcare Facilities and Clinics - Labs, MRI, Ultrasound Scanning Clinics, Walk-Ins, Dental Clinics, Surgical Centres, etc.
  • Medical Malpractice Associations
  • Minimum Premium : vary by target group and start as low as $250
  • We also can package the CGL for as low as $400
  • Lower Policy Fees
Bridges International Insurance Service

Saturday, June 4, 2016

BOND for BC Business and Consumer Protection Authority

When you do business of Cemetery, Crematorium, Debt Collection, Funeral Services, Motion Picture Distributor, Motion Picture Retailer, Payday Lender, Telemarketer, Theatre and Travel Agent in BC, you must be licensed with Business and Consumer Protection Authority and comply with Business Practices and Consumer Protection Act.

We provide Bond for those businesses, that meets the requirements of the act unto the Director of the Business Practice and Consumer Protection Authority.

Cost of Bond is reasonable compared with depositing the fund to the authority.

Please call (1-888-267-4461) or email us for details.
Bridges International Insurance Services
1030 West Georgia Street, suite 901
Vancouver BC V6E 2Y3

Saturday, May 28, 2016

Ontario Medical Marijuana Insurance

We offer property and general liability coverage for a wide range of business operations for the medical marijuana industry. 
The coverage could include your Premises Liability, Products Liability, Building and Equipment.  
Commercial Medical Marijuana Facilities
  • Medical Marijuana Dispensaries.
  • All other Marihuana for Medical Purposes Regulations approved related businesses
  • Landlords of buildings occupied by medical marijuana dispensaries or related businesses
Commercial Property and Liability Insurance for Medical Marijuana Businesses
Commercial Property and Liability options could be available for medical marijuana products sales.
In order to provide Insurance Coverage for your Legal Medical Marijuana sales operations, you must be in compliance with all Health Canada Medical Marihuana Purposes Regulations (MMPR) or Marihuana Medical Access Regulations (MMAR).

Please contact us for details.

Bridges International Insurance Services
Toronto, Ontario

Sunday, April 24, 2016

New Bill 165 to make E&O insurance compulsory in Ontario for home inspectors

Home inspectors will soon be in need of coverage if the Ontario government and Bill 165 have anything to do with it.

The bill, the Licensed Home Inspectors Act proposes to impose regulation upon home inspection services across the province.

If passed the legislation would require inspectors to take out errors and omissions insurance as well as imposing standards pertaining to training procedures.

The preamble to the bill states that the status quo represents too great a peril to home-owners and homebuyers.

“The current unregulated environment for home inspectors poses risk for the consumer. An unqualified home inspection poses a primarily financial risk from situations such as an unexpected repair and maintenance costs. In addition to financial risk, in some circumstances the condition of homes could also constitute a safety risk to homeowners.”

Home inspectors are already regulated in Alberta and British Columbia.

The bill has been ordered referred to the Standing Committee on Regulations and Private Bills.

By Insurance Business Canada

Sunday, March 13, 2016

Bond for Business Practices and Consumer Protection Authority

If you are running a business required with a deposit to the authority, that should comply with Business Practices and Consumer Protection Act, we offer very affordable Bond.

Let's say $15,000 bond would cost about $400 a year. If you get 3% return on $15,000, that would be $450. So would you leave $15,000 to the authority or buy a bond? The decision is yours.

Please contact us for a quote.

Bridges International Insurance Services

Saturday, February 13, 2016

BC Residential Deductible Insurance - 0 (Zero) Deductible Home Insurance

We are pleased to announce the launch of Residential Deductible Coverage (RDC) through Reliance Risk Solutions Inc.

RDC is a stand-alone insurance policy which reimburses a policy holder the deductible portion of an insurance policy in the event of a claim covered by the primary property insurer,

RDC is underwritten by the Sovereign General Insurance Company(Sovereign).

An Insurance Deductible referrers to the amount of money a policy owner pay before the insurer will cover any claim.

Why settle for partial coverage?
Get complete coverage for your claim.
Your deductible can represent a significant portion of your claim. With Reliance deductible Coverage, 100% of your loss is covered.

Reduce your insurance costs.
Most property insurers will offer significant discount for increasing your deductible.
Compare the discount with the RDC premium.

Call Bridges International Insurance Services (BC) for details.
1-888-267-4461 or email:

Wednesday, January 27, 2016

BC Earthquake Deductible Buyback Insurance

What is it?

Earthquake Deductible Buyback (EDB) insurance is coverage for Earthquake Deductibles. This insurance is available through Bridges International Insurance Services, for properties located in British Columbia.

The perfect solution for High Earthquake Deductibles

How it works:

An average earthquake deductible is 5%, 8%, 10% or even 15%. This means that your earthquake deductible is equal to that percentage of what your home is insured for.

You may ask: Why would I buy earthquake insurance if my deductible is so high? The reason is that coverage is there for large or total losses. In the event of an earthquake, you may be avoiding bankruptcy by purchasing earthquake coverage.

In an example of a Million Dollar House with all of its additional coverages, a 10% deductible equates to $200,000. 

Question: Can you afford the earthquake deductible?

For example, a dwelling insured at $500,000 with a 10% earthquake deductible will have a $50,000 earthquake deductible applied to restore/repair the building if a claim is made for earthquake damage. If a policy holder chooses to have EDB coverage, then the earthquake deductible will be paid by that policy, up to the limit purchased, subject to only a $1,000 deductible.

Earthquake Deductible

Buy-Back Insurance


Earthquake deductible buy-back coverage is available for all lines of business.

It is additional coverage you can purchase which will pay a portion or all of your Earthquake deductible, so you don’t have to.

Option #1
Great for:
·      Condo Unit Owners
·      Retail Business Operations

$50,000 Coverage for $120 Premium
OR  $10/month

Option #2
Great for:
·      Smaller Homes
·      Business Operations

$100,000 Coverage for $240 Premium  OR $20/month

Option #3
Great for:
·      Million Dollar Homes
·      Larger Commercial Risks

$200,000 Coverage for $480 Premium OR $40/month

Additional Coverage for $500,000 is available now.

Items to remember:

o Most locations qualify for coverage as long as you carry Earthquake coverage on your Primary policy.

o One location per contract therefore if you own multiple locations, discuss with us how many policies you should purchase.

We live in an area of the world where Earthquake Coverage is necessary.

Every Insurance company is going to apply a separate deductible to earthquake coverage.
In other words, your standard home insurance deductible does not apply in the event of an earthquake loss.
Are you prepared?

Don’t spend your savings on a deductible!

 Ask Bridges International Insurance Services for details.
1-888-267-4461 or


Sunday, January 24, 2016

Toronto and Vancouver - Tattoo and Piercing Artists Insurance

Toronto Vancouver Tattoo and Piercing Artists offering treatments:

  • Camouflage Tattoo
  • Permanent Cosmetics
  • Minors
  • Tattoo Removal & Lightening by Laser
  • Surface Anchoring
  • Surface Piercing

Coverage Features:

  • Full Package or Liability only available
  • Professional Liability with sub limits for:
      - Communicable Disease
      - Abuse Coverage
      - Privacy Failure Expense
      - Loss of Documents

Composite Package includes:

  • CGL
  • Professional Liability
  • Property, Crime, Business Interruption, and Boiler

Please contact Bridges International Insurance Services for inquiry

Monday, January 18, 2016

Substance Abuse / Rehabilitation Clinics Insurance

  • Drug abuse clinics
  • Alcohol abuse clinics
  • Detox/Addiction clinics
  • Live-in or out-patient
We also offer…
  • Medical Malpractice for all types of Individual Medical Practitioners
  • Coverage for all types of Products used to treat patients
  • CGL
  • Medical Malpractice
    -  Abuse coverage, available for most clinics
    -  Punitive, Aggravated and Exemplary Damages
    -  Penal Defence Reimbursement - $50,000
    -  Disciplinary Committee Expense - $25,000
    -  Wrongful Dismissal Coverage - $100,000
    -  Loss of Document - $10,000
    -  Privacy Failure Expense Coverage - $50,000
  • Optional Property Coverage
Please contact us for your inquiry.
Bridges International Insurance Services