Roughley Insurance Brokers Oshawa

Welcome to Roughley Insurance Brokers in Oshawa, your trusted source for comprehensive insurance solutions in Ontario. Our dedicated team is proud to serve the community with a range of specialized insurance services, including home insurance, business insurance, contractors insurance, and personal insurance.

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With a commitment to tailored coverage and unmatched expertise, we strive to safeguard your assets and provide you with peace of mind. Explore our offerings and discover the protection that suits your unique needs, backed by the reliability of Roughley Insurance Brokers in Oshawa.

Oshawa Insurance Products

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.

accident benefits
AUTO Insurance Oshawa

Explore the road to worry-free driving with Roughley Insurance Brokers in Oshawa, where our commitment to comprehensive coverage extends to every aspect of your life. We find auto insurance coverage tailored to your needs and designed to keep you protected on the open road.

From personalized policies that fit your lifestyle to expert advice on navigating insurance complexities, our team is here to ensure your peace of mind behind the wheel. Learn more about our auto insurance plans and let Roughley Insurance Brokers be your trusted companion on the journey ahead.

Personal Vehicle Insurance

Classic Car Insurance


Roughley Insurance Brokers offers comprehensive Home Insurance in Oshawa. This coverage is designed to safeguard homeowners. The range of coverage options includes protection for the dwelling, personal belongings, liability, and additional living expenses during displacement.

What sets Roughley apart is its commitment to personalized policy customization, and tailoring insurance plans based on individual needs. This approach involves a meticulous assessment of a homeowner’s unique circumstances, allowing for adjustments in coverage limits, the inclusion of specific endorsements, and addressing particular concerns, ensuring that each policy aligns with the homeowner’s distinct requirements.

The significance of home insurance is underscored by emphasizing the critical need to protect one’s home and belongings. As a valuable investment, a home requires comprehensive coverage to shield against unforeseen events such as natural disasters, theft, vandalism, or accidents. Roughley aims to empower homeowners with the knowledge to make informed decisions, securing the necessary protection to maintain the security of their homes and possessions in the face of unexpected challenges.


Our business insurance brokers in Oshawa specialize in providing tailored insurance solutions, recognizing the unique requirements of each business entity. This involves a meticulous assessment of the specific needs and risks associated with the client’s industry, size, and operations.

The tailored approach ensures that businesses receive comprehensive coverage that encompasses various facets, including property protection, liability coverage, and other industry-specific needs. By understanding the intricacies of each business, Roughley Insurance Brokers aims to offer not only financial protection but also strategic risk management solutions that align with the dynamic nature of the commercial landscape in Oshawa.

The coverage provided under Roughley’s Business Insurance includes protection for both physical assets, such as buildings and equipment, as well as intangible assets like intellectual property. Additionally, liability coverage is a crucial component, shielding businesses from potential legal claims and financial losses.

Our agency emphasizes the pivotal role of Business Insurance in effective risk management, highlighting how a well-crafted insurance plan can mitigate the impact of unforeseen events and provide the financial stability necessary for businesses to navigate challenges with confidence. Through this comprehensive approach, Roughley Insurance Brokers aims to be a trusted partner for businesses in Oshawa, aiding in their growth and resilience within a dynamic commercial environment.



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 products team up to give you that protection required.

Contact us today to learn how our commercial insurance experience can be one of your business’s assets.

Commercial Property Insurance

Commercial property insurance covers a wide variety of property, 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.

In business, having the right partners makes all the difference. You need a partner who has your back, and who is looking out for your success and safety. Roughley Insurance Brokers Ltd. gives you that edge.

Call us today to discuss your commercial insurance needs.

General Business Liability

Business Insurance and advice you can count on 
You have invested time, energy and significant financial resources into getting – and keeping – your business up and running, but have you protected this investment? As with properties or vehicles, businesses are vulnerable to risk too, and you need the right level of insurance protection in the event of a claim.

Commercial General Liability Insurance (CGL), or General Business Insurance, is coverage that will protect your business if you are sued, and it is most often used to offset the cost of claims against your business.

Some examples might be:
• You have a retail storefront and a customer slips and falls in your store
• You run a carpet cleaning business, and while on-site an employee breaks a window

By choosing to insure your business, you remove your risk and vulnerability to lawsuits or claims that could be devastating to your business. Your Roughley Insurance Broker will discuss with you what the risks associated with your industry and business are, and advise you on the appropriate levels of coverage that will protect you, your business and ultimately your livelihood in the event of a claim.



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 over your primary commercial policy.

Partnering with you to ensure your success… that’s the Roughley Advantage.


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

As a contractor, you know that it pays to expect the unexpected and that incidents like accidents or theft are completely unpreventable. But while you may not be able to prevent a problem, the smart contractor knows that with adequate insurance they can cover, and recover, from virtually any unfortunate event, no matter who’s at fault.

At Roughley Insurance Brokers, we offer Contractor’s Insurance packages that offer fundamental coverages in one, easy-to-manage package that saves you time and keeps more money in your pocket.

What is covered by the Contractor’s Insurance packages?
Our Contractor’s Package protects against such problems as property damage, equipment breakdown or customer injury 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 if 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

Sometimes more is better.
There are some instances when you may want or need more coverage than is offered in the basic Contractor’s Package. In those situations, your package can be enhanced with a variety of industry-specific options that give you even greater coverage, depending on your situation and business. These coverages may include, but are not limited to:
• Contractor’s equipment coverage
• Equipment leased or rented from others coverage
• Property in transit coverage

Are you a member?
Getting the coverage you need has never been easier, and members of the Durham Region Home Builder’s Association are eligible for additional group discounts. Contact Shane Terry, your DRHBA representative at Roughley, to learn more.

Regardless of the size of your operation, your Roughley Insurance broker will work with you to assess your business needs and discuss all your options with you, to create an insurance package that offers the right coverage at a fair price. That’s the Roughley Advantage.



Golf Insurance

Roughley Insurance Brokers Ltd. is pleased to be able to offer the highest quality coverage available to the golf club industry.

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.

Contact Roughley Insurance Brokers to learn more about the program, and to discuss how we can help you.



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.

Ensuring the physical assets the business owns and uses, and insuring the people who own, manage and work on the farm business, is discussed here. Both aspects are equally important.

What is Covered?
A farm insurance policy can provide coverage for:
• dwellings and personal property,
• farm buildings,
• produce,
• livestock,
• machinery and equipment, and
• liability.

Boats and recreational vehicles are likely to require special coverage. Coverage for motor vehicles that are required to be registered is provided under an automobile insurance policy.

Roughley Insurance Brokers Ltd. would be pleased to offer you a complimentary, no-obligation review of your current farm insurance policy, or discuss your new policy needs. Contact us today to speak to one of our brokers, or to arrange for an appointment and join the other farms and businesses who are getting the Roughley Advantage.

recreational vehicles

Roughley Insurance Brokers extends its commitment to comprehensive coverage with its Recreational Insurance service, catering to individuals and families seeking protection for their leisure assets. The service offers a diverse range of options, encompassing various recreational activities and assets, such as boats, RVs, motorcycles, and more.

Our brokers in Oshawa recognize that recreational assets hold significant personal and financial value for individuals and families, prompting the provision of tailored coverage that aligns with the unique needs and usage patterns associated with different recreational pursuits.

This Recreational Insurance service places a strong emphasis on the importance of safeguarding these leisure assets, acknowledging the inherent risks associated with recreational activities. Whether it’s protecting a boat against accidents on the water or ensuring comprehensive coverage for a family’s RV adventures, our policies insure you against potential financial losses and provide peace of mind during recreational pursuits.

By offering an overview of the diverse recreational insurance options available, the agency aims to guide individuals and families in making informed decisions to secure their leisure assets and enjoy their recreational activities with confidence.

Canada is a four-season country, and Canadians like to make the most of the great outdoors in every season. In particular, Ontarians are fanatical about getting the most out of the summer and winter months and there is a wide range of vehicles to choose from to help us enjoy every last minute of our outdoor adventures.

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. If you have specific questions about your car or usage, please don’t hesitate to contact us.

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.



Marine 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, including:

  • Runabouts/Bowriders
  • Fishing Boats
  • Cruisers
  • Cuddy Cabins
  • Pontoon Boats
  • Sailboats
  • Yachts
  • Personal Watercraft (Seadoos, Waverunners, Jet Skis)

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.

Call us today to obtain the best watercraft coverage to suit your needs.


Motorcycle Insurance

For some people, riding a motorcycle on a summer day is the best way to enjoy the nice weather. It’s important, however, to understand the risks and dangers involved in motorcycling. Always make sure you take all necessary safety precautions before getting on your bike! It’s also a great idea to take a motorcycle safety course. Motorcycles can also get very expensive. 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 are calculated based on seasonal use only, therefore, reduction of coverage during the off-season is not typically an option.


Trailer and Motorhome Insurance

Canadians love to camp! 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.


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 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.

Feel free to call us to find out if the machine you are interested is on one of these lists.

Oshawa group insurance

If you are a member at one of our local (Durham Region) Boards of Trade you may have access to a group property and auto insurance program that offers lower rates to you, and your employees.


Contractors Insurance Oshawa

Roughley Insurance Brokers delivers specialized insurance solutions tailored for contractors and construction professionals through its Contractors Insurance services. Recognizing the unique risks associated with the construction industry, the agency offers comprehensive coverage that goes beyond standard insurance packages.

This includes protection for property, safeguarding equipment, liability coverage to address potential legal claims and coverage for workers’ compensation to ensure the well-being of employees. Our Contractors Insurance service is designed to cater specifically to the distinct needs and challenges faced by contractors, acknowledging the dynamic and often unpredictable nature of construction projects.

The coverage provided by Roughley Insurance Brokers in Oshawa emphasizes the critical importance of protecting against industry-specific risks inherent in the construction sector. This involves addressing potential property damage, ensuring the safety and health of workers, and mitigating financial liabilities arising from accidents or legal claims.

The agency recognizes that the construction industry comes with its own set of challenges, and Contractors Insurance is positioned as a vital tool to enhance resilience and provide contractors with the peace of mind needed to focus on project success. By highlighting the industry-specific nature of the coverage, Roughley aims to convey the tailored protection it offers to contractors, allowing them to navigate their projects with confidence and security.


Oshawa travel insurance

Working with Option One Travel, Roughley Insurance Brokers Ltd. 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.

Keeping you protected at home or away… that’s the Roughley Advantage.

Note to Travellers:

Covid-19 coverage can differ somewhat from the standard emergency medical hospital travel insurance ordinarily offered by insurers. Much remains to be learned about Covid-19. But as long as the risk of contagion remains prevalent, it is important to fully comprehend all aspects of applicable new coverage and products before buying.

Option One Travel Insurance strongly recommends that all travelers follow cautionary directives for Coronavirus as provided by travel authorities regarding their modes of travel, travel arrangements and travel destinations.


Need a quote? We’ve got the right coverage at the right price.

Get the Roughley Advantage

Locally owned and independently operated since 1945, Roughley Insurance Brokers Ltd. offers a complete range of insurance coverages that can protect your whole life. Be it for personal coverage or for your business, your Roughley Insurance Advisor can offer you the risk protection that fits your unique needs and your budget. As independent advisors, we can access options from across the insurance industry and advocate on your behalf in the event of a claim.

we are local

Community Involvement

At Roughley Insurance we pride ourselves on our community involvement. Giving back to the community that has given us so much is at the forefront of our organization’s values.

Click here to read more.


we are local

We're Local

We aren’t a call centre or a complicated phone tree of customer service. We are real people who can be found in Oshawa and Bowmanville
we are local

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.

we are local

We Shop Around

… using the most advanced technology available to review every renewal. 

Click here to view our list of Insurance Partners.


we are local

Claims Advocate

Our dedicated Claims Advocate will be with you every step of the claims process. 

Click here to read more.

we are local

Our History

Harold Roughley founded H.G. Roughley Limited on September 18, 1945, and from the very beginning, the brokerage has established itself as a valuable and valued member of the Durham Region community. Click here to read about our history.

Need to make a payment?

For clients wanting or needing to make a payment online, please see the list of insurers below linked to their corresponding payment portal pages. You will be asked to provide account information, so please have your policy documents handy.

Please be in touch with a Roughley Insurance team member during regular business hours if you need help, or if you have any questions! Call us at 905-576-7770.

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.

Frequently Asked Questions (FAQs)

What types of insurance do you offer?

Roughley Insurance Brokers provides a wide range of insurance solutions, including Home Insurance, Business Insurance, Contractors Insurance, Recreational Insurance, and more.

How can I customize my insurance policy?

We understand that each client has unique needs. Our team works closely with you to tailor your policy, adjust coverage limits, select endorsements, and address specific concerns to ensure comprehensive protection.

What is the importance of having insurance?

Insurance is crucial for financial protection against unforeseen events. It safeguards your assets, provides liability coverage, and ensures you’re prepared for unexpected challenges.

How do I file a claim?

Contact our claims department, and our experienced team will guide you through the process, ensuring a smooth and efficient resolution.

Can I bundle multiple insurance policies?

Yes, we offer bundling options to simplify your coverage and potentially save on premiums. Speak to our agents to explore the benefits of bundling.

Do you offer discounts?

Yes, we offer various discounts based on factors such as multi-policy bundling, home security features, and safe driving records.

Contact us with any questions you have

At Roughley Insurance Brokers, we understand that insurance can be complex, and questions may arise. We encourage you to reach out to our knowledgeable team for any additional clarification or specific inquiries you may have. Your peace of mind is our priority, and we are here to assist you in navigating the intricacies of insurance.

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