Insurance Broker in Oshawa

On Simcoe Street Since 1945

Roughley Insurance started in Oshawa eighty years ago when it was a GM town. The plant defined the city. A lot has changed since then. We’ve watched Oshawa go through the boom years, the layoffs, the uncertainty, and now the reinvention. We’ve been here for all of it.

Three generations of the Roughley family have run this brokerage. A lot of our clients are second- and third-generation too. That kind of continuity is unusual in this industry and we don’t take it for granted.

Greater Oshawa Chamber of Commerce Member

We’re members of the Greater Oshawa Chamber of Commerce. If your business is part of the Chamber, ask us about group insurance programs and employee/family discounts available to members.

A Proud Past and Bright Future

Oshawa has a lot going on. Contractors and trades are busy across the city and into the surrounding region. Real estate offices, professional services, and small businesses are growing downtown and along the corridors. There’s a strong classic car community here too, from weekend cruisers to full restorations.

We work with all of it. CGL and tools coverage for contractors. Professional liability for consultants and realtors. Commercial property and business packages for retail and service companies. Agreed value policies for classic and collector vehicles. Whatever the coverage need, we’ve probably placed it for someone else in Oshawa already.

Ontario Tech, Durham College, and the Rental Market

The two post-secondary campuses bring a large renter population. Tenant insurance is affordable and often required by landlords. We make it easy for students and renters to get covered quickly.

The residential construction pushing north from Taunton means more first-time homebuyers who’ve never shopped for home insurance before. We walk them through it.

Home Insurance in Oshawa

Central Oshawa’s housing stock is older than the new communities up north, and insurers ask different questions about it: age of roof, electrical, plumbing, and heating. The answers decide both price and which carrier fits. Income suites are common here too. If your home has a basement apartment, your policy needs to say so, and a rental property policy is the right structure when the whole house is tenanted. Wherever you are in the city, we review sewer backup limits and rebuild values at renewal so the policy keeps up with the house.

Car Insurance in Oshawa

Oshawa is a car city, and we insure it like one. Commuters heading down the 401 or up the 407, shift workers driving off-hours, students at Ontario Tech with G2 licences, and households running three vehicles at once. Each of those situations rates differently, and the cheapest company for one is rarely the cheapest for another. That’s the point of a broker: we shop your profile across our markets instead of fitting you to one company’s sweet spot. Winter tire discounts, multi-vehicle pricing, and accurate commute ratings come standard when we set up the policy.

Contractor Insurance in Oshawa

Durham trades run their businesses from Oshawa, and we run their coverage from Simcoe Street. CGL, tools and equipment, commercial auto for the work trucks, and bonding when a tender calls for it. Municipal and public jobs across Durham Region routinely require bid bonds with the tender package, and we help contractors get bondable before the deadline, not after. Need a certificate of insurance for a GC or a site? Same-day turnaround is the norm. If you’re growing from a one-truck operation into a crew, we restructure the coverage as you go.

Full-Service Office

Simcoe Street is our head office. Full team, full access. Walk in during business hours for a quick question or book a sit-down to review your coverage. We handle personal lines, commercial, and all surety bonding from this location.