Products

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 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.

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?

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.

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

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.

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, traveling to treatment centers, or modifying your home to accommodate a life-altering situation. Critical Illness insurance can help mitigate these expenses.