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 classic 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 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.

 

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

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 in 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 are included in most condominium insurance packages.

 

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.

Home Renters Insurance

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? Could you start over? Even the most modest collection of clothes and furnishings are 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.

 

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.

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 that 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 in the event that 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 onsite 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 in excess of your primary commercial policy.

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

 

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

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 Contractor’s Insurance packages?
Our Contractor’s Package protects against such problems as property damage, equipment breakdown or customers 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 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 has 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 individual 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.

Insuring 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 others farms and businesses who are getting the Roughley Advantage.

 

Canada is a four-season country, and Canadians definitely 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.

 

Aviation Insurance

Other companies may talk about insuring aircraft, but they often mean personal-use aircraft. At Roughley, we offer insurance coverage for many types of aviation operations including Commercial Aircraft Insurance through our partnerships with:

• Swiss Re
• Global Aerospace Canada
• Allianz Global Corporate
• XL Insurance

No matter what your aviation-related risk, your Roughley Insurance broker will work with you to create a comprehensive, cost-effective solution tailored to your needs.

Laws about aviation insurance tend to be less clearly defined, and coverage also varies depending on the type of craft: helicopters, float planes, commercial airliners, and so forth are all covered differently. If you are not familiar with the specifics of the aviation industry, you can depend on Roughley to get you the information you need.

Aviation coverage may include:

• Aircraft Hull
• Aircraft Liability
• Aviation General Liability
• Aviation Products Liability

Those individuals who own and operate their own aircraft generally purchase aviation insurance so that they are covered in a wide variety of situations to ensure that their aircraft will be repaired or replaced as a result of an insured loss.

Owners who rent out, lease, or hire pilots to fly, may also purchase additional cover insurance to cover their aircraft. Individual pilots who lease, rent or are for hire may need to carry additional insurance to be fully covered in the event of an incident.

If you need coverage, or if you just need some answers, contact us, and we will be in touch to get you what you need.

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.

 

ATV and Snowmobile Insurance

Contrary to popular belief, recreational vehicles such as snowmobiles and ATV’s 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 ATV’s 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.
 

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.

 

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.