Toronto Insurance
Acera Insurance Brokers in Toronto – Trusted Local Expertise
At Acera Insurance, we take pride in doing things differently. Unlike many large firms, we are independently and employee-owned. This means we’re not tied to any Toronto insurance company or outside ownership. This independence ensures our clients receive unbiased advice, real choice, and access to true market competition when it comes to their insurance solutions.
We’ve been servicing the GTA for over 40 years. Every day, our Toronto insurance brokers go above and beyond to protect what matters most to our clients. We don’t simply sell insurance – we provide specialized knowledge, personalized service, and hands-on support that sets us apart. With deep industry expertise, we help you navigate complex policies and secure the right coverage for your needs.
As a leading insurance broker in Toronto, Acera has built a reputation for excellence. We continue to attract top professionals in the industry and invest in ongoing training and innovative technology — all so our clients benefit from the best advice and service available.
Whether you’re looking for personal insurance to protect your home, car, or family, or commercial insurance to safeguard your Toronto business, you can trust Acera Insurance to deliver solutions that are comprehensive, competitive, and tailored to you.
Contact us today to speak with one of our Toronto insurance brokers and discover why so many individuals and businesses trust Acera Insurance with their coverage.
Commercial insurance in Toronto
Whether you’re running a home-based startup, a fast-growing small business, or a large corporation, protecting your company is essential. No matter the size or industry, every Toronto business faces risks – and the right insurance ensures you’re prepared.
With years of hands-on experience, our dedicated Toronto commercial insurance advisors bring deep knowledge of Toronto’s business landscape and the industries we serve.
Here’s how our Toronto insurance brokers can support your business:
- Identify your insurance needs based on your industry, operations, and growth goals.
- Provide competitive Toronto insurance quotes from Canada’s top insurers.
- Serve as your ongoing insurance and risk management partner, helping you minimize exposures.
- Advocate on your behalf in the event of a claim, ensuring your best interests are protected.
From small family-run shops to multi-million-dollar enterprises, Toronto businesses trust Acera Insurance to deliver tailored coverage, competitive pricing, and unmatched expertise.
As Toronto commercial insurance brokers, we provide insurance for the following industries:
- Accountants Insurance
- Builder’s Risk Insurance
- Construction Insurance
- Contractors Insurance
- Health & Fitness Insurance
- Hospitality Insurance
- Industrial Insurance
- Information Technology Insurance
- Non-Profit Insurance
- Professional Office Insurance
- Real Estate & Property Management Insurance
- Retail Business Insurance
- Recreational Insurance
- Transportation Insurance
If your industry isn’t listed here, don’t worry, we’re experts at creating innovative insurance solutions for Toronto businesses.
Types of commercial insurance in Toronto
Acera Insurance offers the commercial insurance businesses in Toronto need. From your basic business owners’ package to specially tailored policies for large corporations, we can find protection for you. Here are a few key coverages offered in Toronto:
- Commercial Property
- Commercial General Liability
- Professional Liability or Errors and Omissions
- Product Liability
- Cyber Liability
- Directors & Officers Liability
- Equipment Breakdown
- Business Interruption
- Home-Based Business
- Commercial Vehicle & Fleet
- Group Benefits
As we work with nearly 100 insurance companies, we can provide flexibility, competitive prices, and choice for your business. Find out more about our Toronto commercial insurance.
Personal insurance in Toronto
At Acera Insurance, we’re more than just a brokerage. We’re your partner in protecting the things that matter most. Our Toronto insurance brokers provide a full range of personal insurance solutions to help safeguard your home, lifestyle, and financial security.
- Home
- Condo
- Rental Unit
- Vehicles
- RV
- Personal Cyber
- Boat
- ATV
- Collections
- Valuable articles such as artwork
- Liability
Toronto is a vibrant city, but living here also comes with risks – from severe storms and flooding to theft and liability concerns. That’s why the right personal insurance coverage is essential to protect your assets and long-term financial well-being.
Home & Contents Insurance in Toronto
Your home is often your biggest investment. Our Toronto home insurance policies protect not only your house, but also your belongings and financial security. Coverage generally includes:
- Liability protection if someone is injured on your property.
- Property damage for your home’s structure, sheds, decks, furniture, and personal possessions.
- Additional living expenses if you’re forced to evacuate or can’t live in your home due to a covered claim.
Our brokers can tailor your Toronto home insurance to your budget and lifestyle, ensuring you have the right coverage at a competitive price.
Toronto Life & Health Benefits Insurance
Not all Torontonians receive benefits through work – and sometimes supplemental coverage is needed. We provide a variety of personal and commercial benefits insurance, including:
- Life Insurance
- Mortgage Insurance
- Critical Illness Insurance
- Disability Insurance
- Health & Dental Insurance
- Travel Insurance (single-trip or multi-trip, including medical, trip cancellation, interruption, lost baggage, and sports coverage)
Discover which life insurance options in Toronto are right for you.
Vehicle Insurance in Toronto
From daily commuting to weekend trips across Ontario, Torontonians spend plenty of time on the road. That’s why the right auto insurance is essential. We work with Canada’s leading insurers to offer:
- Third-Party Liability
- Accident Benefits
- Direct Compensation Property Damage
- Collision
- Comprehensive
- Loss of Use
- Rental Car Coverage
- Usage-Based Insurance
- Ridesharing (Uber, Lyft, Turo)
We’ll help you compare options, apply discounts, and set policy limits and deductibles that work for your needs. Our Toronto brokers are also here to guide you through claims and provide support whenever you need.
Learn more about Toronto auto insurance.
Benefits of working with Acera Insurance
At Acera Insurance, we do more than provide policies – we build relationships. The Acera difference is rooted in how we support our clients. For Toronto residents and businesses, that means personalized advice, attentive service, and peace of mind knowing you have the right protection in place.
Broad market access
Our brokers have strong partnerships with leading insurance companies in Ontario and across Canada. By combining our extensive market reach with local expertise, our Toronto insurance advisors can source comprehensive coverage at competitive rates. The result? Affordable protection and the confidence that you’re getting the best value available.
Friendly, knowledgeable advisors
Insurance doesn’t need to be complicated. At Acera, we take the time to understand your situation, explain your options clearly, and answer all of your questions. Whether you’re protecting your family, your property, or your business, our goal is to make the process simple, transparent, and even enjoyable.
Convenient, flexible service
We make it easy to connect in the way that works best for you:
- Prefer digital? Submit your quote request online.
- Like a personal touch? Give us a call and chat with a Toronto advisor.
- Want face-to-face service? We’re happy to meet in person.
No matter how you choose to work with us, our team is dedicated to delivering responsive, client-first service at every step.
What risks does Toronto face and how can they be mitigated?
Toronto is one of Canada’s most dynamic cities, but living here does come with risks. Severe storms, flooding, freezing rain, and heavy winter snowfalls are common. On top of weather-related damage, risks such as fire, theft, and accidents can also cause significant financial loss.
While you can’t prevent every disaster, Toronto insurance helps reduce the financial impact when your home, vehicle, or business is damaged. Still, insurance should be the last line of defence – and there are many proactive steps you can take to help protect your assets (and in some cases, lower your premiums).
Tips to reduce risk in Toronto:
- Park indoors or in covered parking during severe weather.
- Drive safely: avoid distractions, speeding, or aggressive driving.
- Never drive under the influence and always wear a seatbelt.
- Use winter tires and drive according to road conditions.
- Keep a safe following distance on Toronto’s busy roads.
- Lock your vehicle and avoid leaving keys inside.
- Install anti-theft devices for added security.
- Build or renovate with weather- and fire-resistant materials.
- Install smoke detectors, CO monitors, and fire extinguishers.
- Consider sprinklers and never leave open flames or barbecues unattended.
- Secure outdoor furniture and store firewood safely away from your home.
- Install security systems such as alarms, cameras, and motion lights.
- Protect against flooding with sump pumps, sewer backup valves, and water alarms.
- Ensure proper grading around your property to drain water away.
- Maintain your property: clear eavestroughs, shovel walkways, and repair cracks promptly.
How much does insurance in Toronto cost?
There’s no single cost for insurance in Toronto. Rates vary depending on the type of coverage, the amount of protection you need, and personal or business-specific factors.
Factors influencing Toronto insurance premiums:
- Location (postal code) – Neighbourhoods with higher crime rates or flood exposure can see higher premiums.
- Personal demographics – Age, gender, and household details may influence rates.
- Property details – The construction type, age, and condition of your home, condo, or building.
- Driving record – Accidents, tickets, or claims history impact auto insurance costs.
- Credit score – Insurers often consider financial reliability.
- Claims and insurance history – Gaps in coverage or frequent claims may raise costs.
- Business industry – For commercial clients, certain industries carry higher risks.
- Coverage amount – More coverage or add-ons typically increase premiums.
At Acera Insurance, our brokers partner with Canada’s top insurance companies to compare rates and ensure you get comprehensive coverage at a competitive price.
Get help from a Toronto insurance broker – quote online, by phone or in person
At Acera Insurance, we provide choice, independence, and personalized advice. Because we’re employee-owned and not tied to any single insurer, we can compare policies across the market to find you the best value. Our Toronto brokers build long-term relationships with clients and provide hands-on support, from quotes to claims assistance.
If you aren’t sure where to start, don’t worry. Our Toronto insurance brokers are here to help you. Request a free insurance quote online, by phone or come meet us in person. Our Toronto insurance experts are happy to help and will provide you with a quote as quickly as possible.
Contact us for help finding affordable Toronto insurance for your home, family or business.
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Toronto Insurance FAQs
We at Acera Insurance recommend that you find a broker that you can trust. Make sure that they come from a reputable brokerage and has the support of the top insurance companies. Also, they should understand your needs and provide you peace in mind knowing that you are covered in the event of a loss.
An insurance agent works for an insurance company. Their only responsibility is to sell you that particular company’s products and services.
An insurance broker works for you. Insurance brokers take on more of an advisor role and are your go-to person when it comes to risk management. They will assess your risk tolerance and search for quotes from various insurance companies to suit your needs. Consulting on risk management to reduce your long term costs, brokers also negotiate for you in the event of a claim to ensure you receive proper compensation.
Acera Insurance is one of the largest independent and employee-owned brokerages in Canada.
An insurance broker is an insurance expert that has permission to seek insurance quotations for an insured (client) or prospective client. A broker is not an employee for the insurance company. As a representative for the insured, brokers can approach several insurance companies they have contracts with to provide quotations and coverage to adequately insure the client’s exposures. This typically results in obtaining the best coverage possible, at competitive rates. Brokers also provide necessary risk management advise to reduce long term costs. Working with a Toronto insurance broker means getting the support of a local insurance professional who has knowledge and expertise serving the GTA.
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