Personal

• Wedding Event Protection
  Weddings are expensive! The average cost is approximately $30,000. There are many moving parts when it comes to planning a wedding, from picking the venue to serving alcohol, wedding gifts, and rings, and extenuating circumstances arise that can impact the couple financially. Wedding insurance provides extra peace of mind to protect you from financial loss, liability, and property damage on the day of the event.
• Liability Insurance
• Travel Insurance
  Merit Insurance Brokers is an independent Ontario insurance brokerage, providing a full range of home insurance, auto insurance, business, and commercial insurance, life insurance, travel insurance, and group insurance services. Merit provides customized policies and insurance packages to clients across Ontario, with offices in Toronto and Waterdown. Your Merit broker will work for you, and shop around for the best rates, negotiating on your behalf and delivering coverage to help you meet your long-term insurance goals.

Property

• Renters Insurance
  Personal Liability is a coverage designed to protect you legally if you accidentally injure someone, or they are hurt on your property. In most circumstances, the landlord’s insurance will not protect you if someone is injured at your rental home. Personal Liability is a part of renters insurance that is designed to protect you legally if there is an accident resulting in injury while on your property.
• Home Insurance
  This April is Earth Month, a time dedicated to environmental education, impact, and appreciation. It’s a great opportunity to observe the wonder of the planet and to take steps to help improve. Individuals can contribute to Earth month by monitoring their own carbon footprint. You can drive less, opt for sustainable products or reduce your electricity- the world will thank you! But did you know that some of these environmentally friendly practices can also lower your home insurance premiums? Find out how you can save some green by going green!
• Landlord Insurance
  Landlord insurance covers any damage to the property caused by perils, such as a windstorm or fire. It may also cover tenant vandalism to the property or damage to the landlord’s personal property (such as appliances), but it will not cover damage to a tenant’s personal property.

Business

• Business Insurance
  Are you a business owner who is looking for commercial business insurance? Did you know that your needs may not be covered under a general insurance policy?
• Commercial Liability Insurance
• Professional Liability Insurance
  Our Merit Brokers will find the right commercial business insurance which will help safeguard your business, from professional liability to product liability and more!. The process of placing an insurance policy that caters to your business needs is a time consuming one, yet critical in protecting your business.

Health and Life

• Life Insurance
  In the majority of individual cases, life insurance premiums are not deductible on your income tax return. Even for business owners there are tiered rules. While some tax-deductible life insurance premiums are available as a business expense, this deduction is generally reserved for business owners who provide group policies for their employees—not self-employed individuals.
• Health Insurance
  You may pay insurance premiums for your car, home, life, and health. Sometimes there are tax credits available for each of these areas. The rules also apply differently to those who are employed by businesses vs. self-employed. In Canada, the government provides tax support for health-related costs. This means that the government offers tax credits for disability, medical expenses, and deductions for private health insurance premiums for the self-employed.

Motor Vehicle

• Auto Insurance
  Merit will customize an Ontario car insurance policy to protect you and your vehicle, with affordable rates and deductible options to match your needs.