Protecting what matters most, with coverage that fits your life
Auto, home, business, commercial, Super Visa and travel insurance. We compare coverage across Ontario’s leading insurers and explain the difference in plain language.
- RIBO Insurance Broker, licensed in ON and AB
- Compare coverage across Ontario’s leading insurers
- Free, no-obligation quotes
Not sure where to start?
Tell us what you need covered and we will come back with two or three real options, priced, with the trade-offs explained.
Coverage for the risk you actually carry
Six lines of cover, each placed with the insurer that suits your situation, not the one that pays the most commission.
Auto Insurance
Coverage for your vehicle that meets Ontario’s legal requirements and protects you well beyond the minimum.
- Meets Ontario’s mandatory minimum liability coverage of $200,000
- Third-party liability, collision and comprehensive coverage options
- Accident benefits for medical care and income replacement after a collision
- Coverage for uninsured and underinsured motorists
- Multi-vehicle and bundling discounts available when you insure more than one vehicle or combine auto with home
- Support after a claim, not just at renewal
Home Insurance
Protection for your house, condo or rental — sized to what it would actually cost to rebuild and replace.
- Dwelling coverage to rebuild your home if it is damaged or destroyed
- Contents coverage for your belongings, inside and outside the home
- Personal liability protection if someone is injured on your property
- Additional living expenses if you are temporarily displaced from your home
- Tenant, condo and landlord policies for renters, condo owners and rental property owners
- Optional coverage for water damage, sewer backup and other add-ons
Business Insurance
Coverage sized to a small or growing business, protecting what a single claim could otherwise put at risk.
- General liability coverage for third-party injury or property damage claims
- Commercial property coverage for your building, equipment and inventory
- Business interruption coverage to help replace income after a covered loss
- Professional liability options for service-based businesses
- Coverage sized to your industry and how the business actually operates
- Help putting a policy in place before a contract or lease requires proof of insurance
Commercial Insurance
Broader commercial coverage for larger operations, fleets and more complex risk.
- Commercial auto and fleet coverage for vehicles used in the business
- Commercial property coverage for larger or multi-location operations
- General and product liability for higher-risk or higher-volume operations
- Umbrella and excess liability coverage above your primary limits
- Coverage that scales as the business adds vehicles, staff or locations
- Help understanding what a landlord, lender or contract actually requires
Super Visa Insurance
The medical insurance IRCC requires before parents and grandparents can be approved for a Super Visa.
- Meets IRCC’s minimum of $100,000 in emergency medical coverage, valid for at least one year
- Pre-existing conditions considered by many plans after a qualifying stability period
- Full refund of the premium if the Super Visa application is refused
- Monthly payment plans available instead of a single annual premium
- Partial refund if your parents or grandparents return home early with no claim made
- Deductible options that can lower the premium
Travel Insurance
Cover for Canadians travelling abroad, and for visitors to Canada, when provincial health care does not apply.
- Emergency medical coverage for hospital care, physician fees and prescriptions abroad
- Trip cancellation and interruption coverage for prepaid, non-refundable costs
- Emergency air transport and medical repatriation
- Annual multi-trip plans for frequent travellers
- Coverage for visitors to Canada, who are not covered by provincial health insurance
- Pre-existing condition coverage available on many plans
Compared across Canada’s leading insurers
“Protecting What Matters Most — Auto, Home, Business & Commercial Insurance”
Amritpal Grewal
Amritpal Grewal is a RIBO insurance broker with Diamond Insurance Group, licensed in Ontario and Alberta and based in Brampton, helping drivers, homeowners and business owners find coverage that actually fits their situation.
The practice compares coverage across Ontario’s leading insurers rather than offering just one company’s product. That matters because the same risk can be assessed very differently by two insurers, and knowing which one to approach is often the difference between a straightforward approval and a declined application.
- Personalized Guidance. We take the time to understand your vehicles, your property and your business before recommending coverage.
- Expertise You Can Trust. Straightforward advice on auto, home, business and commercial coverage from someone who knows the Ontario market.
- Happy to Work With You. We are happy to work with you however is most comfortable, and we take the time to make sure you understand your coverage.
- Fast, Hassle-Free Process. We handle the comparisons and the paperwork so you don’t have to.
Three things we will not compromise on
Independence first
We are not tied to one insurer. Every recommendation is the product of a market comparison, and we will tell you when your existing coverage is already the right one.
Plain language
Policy wording is written by lawyers for lawyers. Our job is to translate it, including the parts that are not in your favour, before you sign anything.
Here at claim time
Arranging a policy is the easy part. We stay involved through the claim, because that is the only moment the coverage is actually tested.
Four steps, and we do most of them
Tell us what you need
A short call or form. We ask about your vehicles, your property or your business, and the risk you want covered.
We compare the market
We compare coverage across Ontario’s leading insurers and explain the trade-offs in plain language.
Apply without the paperwork
We complete the application with you, handle the details, and follow up with the insurer for you.
Reviewed every year
Your needs change. We revisit your coverage at renewal and adjust it as your life or business moves on.
More than a quote
Personalized Guidance
We take the time to understand your vehicles, your property and your business before recommending coverage.
Expertise You Can Trust
Straightforward advice on auto, home, business and commercial coverage from someone who knows the Ontario market.
Happy to Work With You
We are happy to work with you however is most comfortable, and we take the time to make sure you understand your coverage.
Fast, Hassle-Free Process
We handle the comparisons and the paperwork so you don’t have to.
Comprehensive Coverage
From your vehicle to your business, you get coverage that is sized to the actual risk, under one roof.
Local, Independent Advice
Based in Brampton, we compare coverage across Ontario’s leading insurers to find the right fit for you.
What clients say
Unedited reviews from our Google Business Profile. We do not screen them and we cannot remove them.
Free, no obligation
Tell us what you need covered
Send the form and we will call you back, usually the same day. If it is urgent — a Super Visa deadline or a policy renewing this week — call directly and we will deal with it on the spot.
Before you call
Nothing. As a licensed insurance broker, compensation is paid by the insurer whose policy you choose, so advice, quotes and the application paperwork cost you nothing. The premium is the same whether you buy through us or direct.
Auto, home and travel policies can often be issued the same day, sometimes within the hour. Business and commercial coverage that needs underwriting review can take a little longer.
No. The office is in Brampton, but coverage is arranged for clients across Ontario and Alberta. Most of the process is done by phone, email and secure e-signature.
We are happy to review your existing policy, often at renewal, and show you how it compares. There is no obligation to switch, and no cost for the review.
Let’s get you covered properly
A short conversation is usually enough to tell you whether your current coverage is doing its job. There is no cost and no obligation.