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We've got you covered.

When the unexpected happens, you can count on Roughley Insurance Brokers’ team of experienced professionals to address your concerns and get you the answers you need.

Insurance Products

AUTO
Personal Vehicle Insurance At Roughley, our experienced brokers can help you choose the best and most affordable coverage for any type of vehicle, for family or fun. We are dedicated to meeting your insurance needs with the right coverage at the right price. Classic Car Insurance Flexible Usage You don’t have your classic car just to admire it… it was made to be driven! Whether you’re going for a Sunday drive or taking your beauty out to a car show, we have you covered. Flatbed Roadside Assistance Our optional best-in-class program provides guaranteed flatbed roadside assistance and other benefits. We are confident that you won’t find a better option for ensuring your car is protected in the event of a breakdown. Low Minimum Premiums At Roughley, we will always get you the right coverage for the right price. We also work with specialty insurance companies who only insure antique and classic cars, which allows us to offer you best-in-class coverage at a significantly lower price than traditional insurers.   Auto Insurance Resources I am driving a ‘beater’… how can I reduce my auto insurance coverage? Car thefts are on the rise in Ontario. Is collision coverage worth the extra cost? Accident Benefits Coverage. What is Personal Umbrella Insurance? Distracted Driving and Your Insurance.  
HOME
Home Owners For many of us, buying a home is the biggest investment we will ever make. It is important to protect that investment. Having the proper coverage ensures that you and your family will be protected from losses such as;
  • Fire, smoke
  • Lightning
  • Windstorm, hail
  • Burglary or theft
  • Water damage
  • … and much more
Seasonal/Secondary Dwelling Insurance (a.k.a. cottages or summer homes) Insurance coverages and rates for seasonal and secondary homes are slightly different than principal dwellings, for many reasons. Occupancy is a heavily weighted factor in determining insurance rates on homes. Typically, rates of insurance for seasonal and/or secondary homes are higher due to the fact that there are usually brief periods of unoccupancy. In most cases, your insurance company may require that you visit or have your secondary/seasonal dwelling inspected at least once every 30-60 days. Whether it is a home that you already own or one that you are considering buying, call Roughley today to discuss the details of your secondary or seasonal home. We would love to offer you a complimentary, no-obligation quote so that you can be sure that your investment is safe even when you are not around. Tenants As a tenant, you may not own the building you live in, but you are responsible for all of the things you brought into it. What would you do if your apartment building suffered a major fire? Are you prepared to start over? Even the most modest collection of clothes and furnishings is costly if you had to replace them with new ones. Tenant Insurance Policies can provide coverage for losses such as:
  • Fire and smoke damage
  • Theft or vandalism
  • Damage caused by a windstorm or hail
  • Legal liability insurance to protect you and your family should you cause bodily injury or property damage to someone else, including damage to the dwelling you reside in.
  • And much more…
Tenant insurance is highly affordable and strongly recommended for every renter. It is also recommended that Landlords insist that their tenants invest in tenant insurance. It is important that you have a well-documented list of exactly what you own, and that you protect those belongings with an appropriate level of tenant insurance (click here to download a contents inventory insurance template). When, or if, you ever have to make a claim, having a detailed list of your possessions will make it significantly easier to have your claim handled quickly and fairly. Condo Unit Owner’s Insurance Condo insurance is a little different from homeowners insurance. The Unit owner does not need to cover the entire dwelling, only the interior and contents such as furniture, clothing and electronics. Condominium unit owners share the responsibility of protecting the common elements. Common elements are areas that are shared by all unit owners, such as hallways, lobbies, pools, parking garages, elevators, etc. Loss assessment coverage is included in many condominium insurance packages and provides protection if you were to be assessed responsibility for a portion of a loss that may involve a common element. In cases where condominium unit owners have chosen to renovate or upgrade certain fixed portions of their unit, such as flooring and cabinetry, these upgrades need to be insured. Coverage for betterments and improvements is included in most condominium insurance packages.

Home Insurance Resources Does your home insurance cover your home renovations? Are you renting? You need insurance. Home Insurance mitigates risk on your greatest asset. What Is Personal Umbrella Insurance? What is Personal Liability under your Home Insurance Policy? What You Need To Know About Water Damage and Home Insurance.  
Business
General Business Liability Commercial General Liability Insurance (CGL), or General Business Insurance, is coverage that will protect your business in the event that you are sued, and it is most often used to offset the cost of claims against your business. By choosing to insure your business, you remove your risk and vulnerability to lawsuits or claims that could be devastating to your business. Commercial Property Insurance Commercial property insurance covers a wide variety of properties, including equipment, inventory, supplies, office furniture, fixtures, computers and electronics. There is also coverage for personal and customer property kept at the business site. In addition, commercial property insurance can cover things such as lighting systems, carpets, windows, outdoor signs or even fencing and landscaping. Coverage can even protect your tools and equipment while it is in a company vehicle. Ensure that your business is covered from every angle with our commercial insurance packages. We have plans to help any type of business; large or small. Commercial Auto & Fleet Insurance Be sure that the safety and security of your employees is protected. Our qualified brokers are able to provide the coverage you need for individual autos, fleet and commercial vehicles. Come to where our years of experience and our broad range of product team up to give you that protection required. Commercial Umbrella or Excess Liability In addition to your Commercial General Liability, you can increase your limits by purchasing umbrella coverage. For additional coverage, in the event of a claim, excess liability coverage will provide you with additional coverage in excess of your primary commercial policy.   Bonding Be sure your clients feel secure in their dealings with you! If you are required to work within restricted and security-sensitive areas, you can offer the expected assurances. Let our experts guide you through the necessities, legal requirements and benefits of bonding. Contractor’s Package Our Contractor’s Package protects against such problems as property damage, equipment breakdown or a customer injured at the job site. Additionally, this package program can help you pay your expenses when you can’t work, or your business is shut down due to events beyond your control. Our general contractor insurance packages include: Property insurance – protection for your building, tools and equipment.
  • Equipment insurance – coverage for the repair or replacement of tools and machinery
  • Equipment breakdown insurance – protecting you in your equipment is damaged by a power surge, mechanical breakdown, burnout or operator error.
  • Bodily injury and property damage liability – insurance for situations when your employees, your products or your services have caused harm or damage to other people or their property.
  • Business income coverage – coverage for financial losses incurred when you must stop work due to a covered loss.
Golf Insurance The Signature Golf program provides experienced risk management and loss control services as well as exceptional 24/7/365 customer response. Here are some of the unique features and benefits:
  • Specialized Tee to Green Coverage for all golf-related property
  • Stated Amount Coverage – No co-insurance penalties in the event of a loss
  • Premium credit towards renewal for low claims
  • Deluxe Business Interruption Coverage
  • Independent Claims Management from the Global Leader
The Signature Golf insurance program has been created specifically for golf course owners and operators. It was designed by the best and quite simply provides the highest quality insurance solution available. Farm Insurance There are few industries so intimately tied to nature as farming, and it is an industry that is vitally important to every person on this planet. But recent events like fires, windstorms and ice storms have shown how vulnerable the farm businesses are, and how important it is to plan for the unexpected. While major natural disasters may trigger government programs, recovering from events that only affect your businesses is likely to depend upon you and your insurance company. As with any risk management strategy, farm insurance policy coverage is only useful if you review and plan for your coverage before you need it. Reading your policy after an unfortunate event has occurred will confirm the coverage you have – but it will be too late to make important changes. A farm insurance policy can provide coverage for:
  • Dwellings and personal property
  • Farm buildings
  • Produce
  • Livestock
  • Machinery and equipment
  • Liability
Business Insurance Resources  Your home-based small business needs insurance. Does Your Business Have the Right Insurance Coverage?  
recreational vehicles + Watercraft
Canada is a four-season country, and Canadians like to make the most of the great outdoors every season. We know that you want to get the most out of the summer and winter months and there is a wide range of vehicles to help you enjoy every last minute of the outdoors. As with personal automobiles, however, there are different types, and rates, of insurance depending on which vehicle you choose. It is always worth spending a bit of time acquainting yourself with the various categories and classes of a seasonal recreational vehicle before you buy, and your Roughley Insurance Broker is a great resource to call. Antique & Classic Car Insurance Flexible Usage You don’t have your Classic car just to admire it… it was made to be driven! Whether you’re going for a Sunday drive, or taking your beauty out to a car show, we have you covered. Flatbed Roadside Assistance Our optional best-in-class program provides guaranteed flatbed roadside assistance and other benefits. We are confident that you won’t find a better option for ensuring your classic car is protected in the event of a breakdown. Contact us today to find out more about the details of roadside assistance for your classic car, and how it stacks up against the industry standard. Low Minimum Premiums At Roughley, we will always get you the right coverage for the right price. We work with specialty insurance companies who only insure antique and classic cars, which allows us to offer you best-in-class coverage at a significantly lower price than traditional insurers. Watercraft Insurance Boating is a lifestyle that many people love to indulge in! But with so many different types of boats, it is important to identify the appropriate level of insurance coverage. Roughley offers comprehensive insurance packages for almost every type of boat. In some cases, the liability falls under your Homeowners Insurance if you have extended it to cover smaller watercraft. In cases where the specifications for your boat exceed these limits, you may have the option to schedule these items on your Homeowners Policy. Motorcycle Insurance At Roughley Insurance, we can help you find the right package to suit your motorcycle insurance needs. Whether you are a novice rider, or very experienced, or whether you have a small-scale 250cc bike or a high-end 1500cc Harley Davidson, we have a variety of packages to offer. It’s important to recognize that motorcycling is considered a seasonal sport. Rates for motorcycle insurance is calculated based on seasonal use only, therefore, a reduction of coverage during the off-season is not typically an option. Trailer and Motorhome Insurance From small pop-up trailers to 36ft fifth wheel trailers to motorhomes, we have the right coverage for you. Liability coverage extends to travel trailers from the vehicle that is towing it. However, you may want to consider protecting your trailer against theft and physical damage. We have very affordable options for collision and comprehensive coverage. Motorhomes are insured much like personal automobiles. Coverage includes liability, collision and comprehensive, as well as loss of use and vacation interruption. ATV and Snowmobile Insurance Contrary to popular belief, recreational vehicles such as snowmobiles and ATVs are NOT covered under a homeowner policy, even if they are always kept in your garage. These vehicles need to be covered under an Ontario Automobile Insurance Policy. In most cases, you will be required to carry the minimum liability limit for Ontario in order to obtain a trail permit or license plates for these vehicles. Rates for Snowmobiles and ATVs are very much driven by the engine displacement and value of the machine. It’s important to make sure that the vehicle that you are purchasing is not listed on a “high performance” or “restricted vehicle” list because insurance rates for these vehicles could get expensive.   Recreational Vehicle Insurance Resources Are you renting your cottage? There is insurance for that! I want to buy a recreational vehicle. Do I need insurance? Impaired Operation of a Motorized Vehicle and Your Insurance.  
group
If you are a member of one of our local (Durham Region) Boards of Trade you and your employees may have access to a 15% discount on home & auto insurance premiums.     Whitby Chamber of Commerce – 15% Discount on Home & Auto Insurance
 Shane Terry  (905) 576-7770 X 232 sterry@roughleyinsurance.com  
  Ajax-Pickering Board of Trade – 15% Discount on Home & Auto Insurance Gary Strange (905) 576-7770 X 342 gstrange@roughleyinsurance.com  
  Oshawa Chamber of Commerce – 15% Discount on Home & Auto Insurance
 Corbie Mather 905.576.7770 X 271 cmather@roughleyinsurance.com  
  Clarington Board of Trade – 15% Discount on Home & Auto Insurance Leanne Lalonde 905.697.4257 llalonde@roughleyinsurance.com
 
travel
Working with Option One Travel, Roughley Insurance Brokers is proud to offer our clients access to some of the best travel insurance products offered in Canada. When you are ready to get back to travelling, we have you covered! After you submit your request for a quote, our travel insurance advisor will connect with you to provide you with a detailed travel insurance quote. Travel Insurance Enjoy the sun and fun and leave the worry to us! We work with multiple companies to offer solutions for emergency medical, cancellation and trip interruption. Cover the basics or all-inclusive – it’s up to you – but we’ve got you covered including your risk concerns surrounding Covid 19.  
critical illness
Critical Illness Coverage A critical illness can happen at any time and have an impact on your financial well-being. You may lose time at work to care for yourself, your spouse or your child. There are often expenses the government doesn’t cover, this could include new drug treatments, travelling to treatment centers, or modifying your home to accommodate a life-altering situation. Critical Illness insurance can help mitigate these expenses.  
Need a quote? We’ve got the right coverage at the right price.

Get the Roughley Advantage

Established in 1945, our family-owned and operated insurance brokerage has been a beacon of trust and reliability in the communities we serve for over seven decades. At the heart of our approach is the belief that insurance is more than just a policy—it’s a partnership. We pride ourselves on being trusted advisors who are not just knowledgeable but genuinely invested in the well-being of our clients. 

Read more About Our Company

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Community Involvement

At Roughley Insurance we pride ourselves on our steadfast commitment to the communities we serve. Giving back to the community has given us so much it is at the forefront of our values, as we have mostly grown through word-of-mouth.

Click here to read more.

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We're Local

We’re Local – We’re real people based out of Oshawa, Bowmanville and Port Perry. We’ll never use call centers or complicated ping-pong phone systems. You’ll always get a real person who will get back to you in a timely fashion. Click here to see our amazing team.

We’re Family Owned and Operated –We’re committed to staying independent, so that we can offer a truly personalized experience with our clients.

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Our Team

Every member of our team is a part of the Roughley family. Our team lives where you do – we could be your neighbours!

Click here for our team.

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We Shop Around

We have contracts with all the major insurance carriers and MGA’s and are ever expanding to meet the diverse needs of our clients. As a Lloyd’s of London Coverholder, we’re part of a global network for expert brokers and underwriters. We make sure we have the right markets to get you the best coverage at the right price.

Click here to view our list of Insurance Partners.

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Claims

Our team is industry-leading when it comes to our claims advocacy program. We’re available as the 1st line to help answer your questions during a potentially stressful time. We advocate on your behalf to ensure the claim is settled in a timely manner, making sure you understand your rights and options. When you have a claim, you’ll understand why it’s so important to have a great broker by your side.

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Our History

Roughley Insurance Brokers Ltd. Was founded September 8th 1945 by Harold G. Roughley and quickly established itself as a cherished member of the Durham Region community.
Click here to read about our history.

Need to make a payment?

If you want to make a payment online, click through the list below to be directed to your insurer’s payment portal page.
You will need to have your policy documents and account number on hand.
Call the office at 905-576-7770 and click option 3 during regular business hours if you require additional support.

Get In Touch

Roughley’s team of insurance professionals is standing by to answer your call. If you have questions about your insurance, we invite you to call us and speak to one of our team members.

Oshawa Location

1000 Simcoe Street North Oshawa, Ontario L1G 4W4 Phone: 905.576.7770 Toll Free: 1.888.558.0883 Fax: 905.576.3610 Email: insure@roughleyinsurance.com

Bowmanville Location

31 King Street West
Bowmanville, Ontario L1C 1R2
Phone: 905.697.4257
Toll Free: 1.888.558.0883
Fax: 289-316-3662
Email: insure@roughleyinsurance.com

Oshawa Location