Auto Insurance

Auto Insurance

Been dreaming of that special car?  Have your previous rates increased? 

Miltowne Insurance Services represents many top rated Canadian insurance companies to compare coverage and premium options so we can give you an insurance policy customized to your needs and some of the lowest rates in Ontario.   Contact one of our experienced brokers to get you motoring towards an affordable premium.
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Home Insurance

Home Insurance

Whether you are a first time homeowner, or looking to compare rates, owning a home is one of your biggest assets and one of the most important steps you will ever take.

Get  some piece of mind today from Miltowne Insurance and let one of our brokers guide you through this process.  We offer a variety of discounts and coverage, ensuring your policy will meet your personal needs.
 
Why spend all your time and resources trying to find out which policy is best and which rates are the lowest? Instead, you can leave this kind of work to seasoned insurance professionals that have your best interest in mind. All you have to do is contact Miltowne Insurance Services about your homeowners insurance needs. One of our professional brokers will help you determine exactly what coverage types you should buy, and you will have someone to answer all your insurance questions

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Tenants Insurance

Tenants Insurance

Thought you were covered by your landlord’s insurance? Think again.

You’ll need tenant’s insurance to protect your belongings from perils like theft, vandalism, fire, and water damage the minute you begin renting. According to recent estimates, nearly two-thirds of people who rent their homes are uninsured for their contents or for any liability arising out of their tenancy. Don’t be a statistic – get covered today!
 
Many Canadians think they do not require tenant’s insurance as nothing will happen to them.  Don’t put yourself in the position of finding out the hard way without coverage.  For just a few dollars per month you can tailor a tenant’s insurance policy that’s right for you today.  Fill out the quick and easy Quote Form  right now. A Miltowne Insurance Services. expert will provide you with the best possible quote in no time.
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Condo Insurance

Condo Insurance

As a condominium owner, have you wondered if the policy you have for your Condo is the right one for you? Does your coverage duplicate the Condo Corporation?

Different types of Condominium ownership need to be insured differently.  There is a reason you chose the Condo that you did, make sure your policy is tailored to be as individual as your home.
 
Let the experts at Miltowne Insurance Services. review your condominium agreement to ensure the Master policy covering the Condo Corporation and your personal policy work together to give you the protection you need without over spending.
 
More and more condominiums are being built in the growing homeowners an alternative lifestyle choice to home ownership.  Whether you own a freehold, apartment or town home style condo, Miltowne Insurance Services has a policy to cover you.   Your policy will protect your personal property, fill the gaps where the master policy stops and provide you with liability insurance.
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Motorcycle Insurance

Motorcycle Insurance

Owning a motorcycle can be one of the most exhilarating things in life, but despite the best efforts of riders implementing defensive driving techniques motorcycle accidents that causes serious bodily injury still happen.

Additionally, motorcycle theft is increasing every year around the country, and only 20-25% of motorcycles that are stolen are never found. These are startling reminders why complete protection is essential if you are a motorcycle owner. Don’t wait another minute – get yours today!
 
You’ve bought the bike of your dreams, and you’re going to need motorcycle insurance immediately to protect it. In Ontario, liability coverage is required by law.   Optional coverage for the physical protection of your bike is also available. There’s no sense in taking chances so that’s why it’s a good idea to have your insurance coverage in place before you even go shopping. The experts at Miltowne Insurance Services  can help you sort it all out right now. There are a variety of tailor-made motorcycle insurance  policies available.
 
At Miltowne Insurance Services Inc. we take motorcycles as seriously as you do.  No matter what you own – a sport bike, cruiser, standard, touring bike, or a sweet custom ride – you can turn to us for great rates and the best coverage.  Most insurers offer discounts for mature drivers and Driver Training courses.   Enjoy the freedom of the open road – get covered by Miltowne  Insurance Services  today!  Give us a call at 1-905-878-1633 for immediate response.  You won’t be disappointed.
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Recreational Vehicles

Recreational Vehicles

No matter what size or features it has, your new RV may have something missing.

Without a solid  RV insurance policy you are leaving your investment at risk. Even if you have a current auto policy that offers some coverage, your travel trailer or fifth-wheel needs the special features that only an RV insurance policy can offer.  If your RV is permanently parked you may not have proper coverage at all!
 
RV Insurance is like two policies in one: it protects your vehicle like car insurance and it also protects your living area like home insurance.
 
Collision and road emergencies are definite risks to insure against. But when you are camping or parked, your RV becomes your home and needs to be protected against theft, liability and other disasters.
 
Can I afford this coverage? Definitely.  RV insurance policies are scaled to offer just the right amount of coverage for the road and for your possessions.   Discounts are available to help reduce costs even more.
 
Normal auto policies are concerned with your RV as a vehicle on the road but the coverage doesn’t  end once you pull into a campground for the night.  Your RV may be permanently parked and is your home away from home.   This is where RV insurance extends the coverage you receive and protects you around the clock.   Let the team at Miltowne Insurance Services work for you.   Call Us today
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Commercial General Liability

Commercial General Liability

As a business owner, every transaction you complete represents both a profit and a risk.

Have you fully protected your business from the impact that a customer lawsuit can have? Only a precisely crafted liability insurance policy can shield your business from this expense and stress.
 
Ontario Liability insurance covers the costs of legal fees, including court costs and the resulting award, if any is made. Imagine the peace of mind you gain by not having to worry about the costs of the lawyer as the liability case grinds on.
 
Worried about the cost? Don’t be. Liability insurance in Ontario is customized for your business so you only pay to protect against the risks you face day-to-day in your business.
 
In today’s litigious world, your business is constantly at risk of a lawsuit. Even if the claim is unwarranted, the stress and the cost of the legal process can be enough to ruin some businesses.  Ontario Liability insurance is appropriate for any business to protect it from lawsuits.
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Commercial Property Insurance

Commercial Property Insurance

Computers, files, furniture, equipment and product inventory are key components of your business and you can protect against the devastating effects of their loss with a business property insurance policy.

When most of us think of commercial property insurance, our thoughts gravitate towards large objects such as buildings. But it’s often the smallest pieces of commercial property that are most important to your business.
 
That’s why a great  commercial property insurance policy will help you survive the loss of any vital property–both large and small. With this policy, you will be protected for the replacement cost of all of your property.
 
Worried about the costs? Commercial property insurance in Ontario is very competitive and can be tailored to exactly what property you need covered so you can easily control your insurance costs.
 
Business property insurance is available to any business owner with property to insure. Even if you lease space, you’ll want to consider your furniture, equipment, inventory and leasehold improvements.
 
Since your business constantly changes, it’s always a great time to review what you need covered–you can save money and make sure that your property is properly covered.  Call Us Today!
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Contractor's Package

Contractor

Running a contactor’s business in Ontario is not easy and it’s especially important to make sure that all your business risks are covered.

Even small contractors face many of the same problems as the larger companies, and they need insurance that is very similar. In fact, without an insurance policy specially designed for your business, you could be uninsured, and that can lead to disaster. 
 
You won’t find one policy that fits all contractors. That’s because these types of businesses vary so much when it comes to services and work performed. However, most contractors should consider these options:
 
Commercial vehicle insurance – In Ontario businesses must have liability and Accident Benefit coverage and you might need other options like collision and comprehensive.
 
Commercial Property insurance for your building and office equipment.
 
General liability insurance – this protects you from bodily injury and property damage lawsuits on and off  your premises. It covers damages that occur as a result of your  business operations.
 
Equipment insurance – protects equipment from vandalism or theft while in your vehicle or at your job site.
 
If you want the best possible insurance and the most affordable rates, you can check with many companies and compare coverage options and premiums. However, this could take a long time, and it’s much easier to simply go with an experienced insurance brokerage like  Miltowne Insurance Services.
 
We have been around for more than thirty  years, and will be there for you when you need contractor insurance. As an independent insurance brokerage, we offer claims review and analysis services. We can find you the best deals on insurance, because we have many insurance partners. We offer a wide range of insurance options and we can even insure your US operations.
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Farm Insurance

Farm Insurance

If you are operating your farm with computerized equipment, have you thought to insure it? This includes soil, weather and crop sensors.

Are you protected for a financial loss? How about being covered for lost earnings while a part of your business is being restored?
 
What about something as seemingly innocuous as a hayride or a haunted house occasionally offered at the farm to generate some extra income? If someone is hurt at one of those events, a standard farm insurance policy may not cover it. That could make you the target of a lawsuit you are left unprotected to defend.
 
Insurance brokers call these “protection gaps.” Farm operations possess the potential for a lot of them. And any missing sliver of protection not adequately addressed could cost you money, time or even your farm!
 
If you are uncertain about what your policy covers; if you have altered your farm processes or are concerned about increasing weather risks to your crop, contact Miltowne Insurance Services  Inc.. There you will discover farm insurance experts who will make sure your farm operations stay protected by staunch insurance. In your unpredictable world, we will be your constant.
 
Since 1983, the insurance veterans at Miltowne Insurance Services Inc.have provided farm insurance for big and small farm operations in the Milton  area. We are known as reliable, competent and knowledgeable about farm insurance. We keep up on insurance protection related to all of the latest technological advances in the industry.
 
So, contact us, today—before the next crop cycle. Your call will be answered by one of our farm insurance specialists. Together, we will discuss your current farm protection needs.
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Professional Liability Insurance

Professional Liability Insurance

Many people are in the “service” business in Ontario, and this requires the right kind of insurance.

For example, you need liability coverage for more than just your commercial property. In fact, a Professional Liability insurance policy can be just as important, as you could be out millions of dollars in legal fees and claims settlements. This kind of insurance coverage can make the difference between staying in business and going under..
 
All it takes is one mistake to cost a company millions of dollars. In fact, many businesses cannot afford mistakes and that is why they take out professional liability coverage. For example, if you are sued for damages it could take a long legal battle and you could incur an enormous amount of legal fees and court costs. Your liability coverage will help to pay these costs.
 
This special liability insurance should be considered by:
  • Engineers
  • Financial advisors
  • Realtors
  • Consultant services
  • Insurance agents
  • Corporate officers
  • Accountant and bookkeeping services
  • Life coaches
  • Personal trainers
  • Practitioners – includes healthcare professionals like nurses, physicians, dental professionals, and chiropractic doctors.
  • Non profit organizations
 
Unless you know a great deal about loss prevention and insurance, it can be almost impossible to determine all your coverage needs. These things are best left to insurance professionals like the people you’ll find at Miltowne Insurance Serives Inc.
 
Experience matters a great deal when it comes to insurance, and Miltowne Insurance Services. goes all the way back to 1983.  We are an independent insurance brokerage that does business with the top Canadian insurance companies. We take care of the hard work like comparison shopping, and this gives you low rates and exceptional coverage.
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One of the simplest and most important ways to protect the financial stability of your family is to have a life insurance policy. In the case of your death, life insurance provides your beneficiaries with a tax free benefit which can be used to cover funeral costs, cover debts and loans, maintain your families existing lifestyle, or pay for college or university.

Permanent Life Insurance provides insurance coverages for your entire lifetime.  Your premiums never change, and in the event of your death, your beneficiaries are provided with the tax free benefit that you have provided for them.
Should you pass away, any immediate family members will have full access to the funds to maintain their current quality of life. Also, your beneficiaries can use the funds to pay off any of the capital gains taxes that occur on your assets, like your home or cottage.
 
Term Life Insurance is the simplest and affordable  method of life insurance making it the most ideal solution to any young families looking for financial security. Miltowne Insurance offers 5, 10, and 20 year term periods.  Once the term expires, you have the option to renew for the same length of time, or you may choose a longer or shorter term period, up until you are 80 years old.  In the event of your death, your beneficiaries are awarded the amount of the policy, tax free. 

Miltowne Insurance can create a plan that specifically suits your budget, your lifestyle and all of your personal needs at every stage of your life.  Get a Quote

A competitive Employee Benefits Program will attract the best  people for your business. Miltowne Insurance Services provides Benefit Programs to more than 175 companies across the Halton Region. There are some of the coverages provided by our Group plans.

Healthcare Benefits
As we’re all aware, healthcare costs are on the rise, services are shrinking, and there seems to be no end in sight. As a result, if you don’t have an ample drug and healthcare plan, employees are not interested in working for you. At Miltowne Insurance we recommend a comprehensive benefits plan that typically offers 70% -100% coverage for your employees and their families. Knowing their families are taken care of provides your employees with a piece of mind that allows them to concentrate on the work at hand – your business.

Dental Benefits
More than just a cosmetic luxury, dental health is a critical part of overall body health. Poor oral health has now been linked to more serious conditions such as heart disease, stroke, diabetes and cancer. An important part of a good group benefits package, Miltowne Insurance can offer a variety of dental programs for employees and their families that range from simple coverage of regular cleaning to braces and orthodontic services as well as more comprehensive procedures.

Disability Benefits
As small business owners, we’ve all worried about the consequences if for some reason we are not able to work and earn a living for our family. It’s a thought that has probably caused us all to have a sleepless night or two. Fortunately, today’s group benefits programs cover short and long disability situations. Whether it’s a broken leg that keeps you off your feet for a couple of months or a stroke that requires years of recovery, a properly designed disability benefit will insure that you and your family continue to live the lifestyle you’ve provided for them.
Critical Illness Benefits
Critical illness happens without warning and can have devastating results. While disability insurance can be of benefit for a more immediate and short term injury or illness, critical illness coverage ensures that you are looked after if you or your employees are diagnosed with more serious, long term condition. It can help you in your treatment plan to get better as well as keep your finances healthy.

Life Insurance Benefits
Many carriers provide a mandatory level of life and accidental death insurance for each of your employees.  While we believe that employees should have their own private coverage based on individual family needs, we can recommend various levels of insurance to help you to feel comfortable that you’ve provided assistance should a tragedy ever occur.

Employee Assistance Program (EAP)
The emotional well-being of your employees is as important to the success of your business as their physical health. An EAP can help you and your employees deal with difficult family or relationship problems before they lead to missed time, lost productivity, or even a long-term disability claim.
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