2016 Auto Reform Changes 

The Ontario government has changed the standard accident benefit coverage effective June 1st 2016. Give us a call for more details, or watch this informative video from the Insurance Brokers Association of Ontario.

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Going on Vacation?

Need medical coverage, baggage coverage, or trip cancellation protection? We can help make your vacation or snowbird lifestyle more care free.

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Involved in a claim?

Give our office a call so we can start the process, This is exactly why you have insurance.

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Need insurance for your Business?

Whether you’re on a farm, own a store front, operate a roofing business, are a gym trainer, or whatever the case, we can find coverage fit for you!

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Like how we operate our business? Don’t like us? Let us know either way.

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Our Products

HMS Auto Insurance

Auto Insurance

Protect yourself on the road with the right policy at the right price. Anytime you drive there is a chance something can go wrong. You may damage other people’s property, accidentally cause an injury or worse to yourself or other drivers, passengers or pedestrians.

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house

Home Insurance

A house is often the single largest financial investment you can make. Without insurance, your most valuable asset is vulnerable to fire, theft and other disasters. Home insurance can help you pay for big expenses you couldn’t afford after a disaster.

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Business Main Page

Business Insurance

In a nutshell, commercial general liability insurance, or CGL, is coverage that will protect your business in the event that you are sued. It is often used to cover claims against your business for injury or property damage.

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Life Main Page

Life Insurance

We are an independent life insurance broker, our dedicated staff can help you choose the best policy at a competitive price. We know the life insurance market inside and out. We use that industry knowledge to get you the best fit coverage.

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Bike Main Page

Bike Insurance

Get outside during the summer months with a motorcycle! We have insurance companies that can provide competitive rates for new and experienced riders. Discounts are available for multi-line policies, rider training, and so much more.

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Farm Main Page

Farm Insurance

Having our offices based out of small rural centers our staff have a good grasp on farm insurance, and understand all of the added exposures when dealing with this type of coverage.

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Boat Main Page

Marine Insurance

The most comprehensive insurance coverage available for all types of boats. Our insurance brokers act as your personal adviser providing expert advice and customized coverage for your personal needs.

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HMS ATV Insurance

Lifestyle Insurance

All terrain vehicles, snowmobiles, side by sides, remote controlled aircraft’s, and more! We can insure almost all of your toys within our brokerage. If your auto or home policies are within our brokerage you can save more.

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HMS Trailer Insurance

Trailer Insurance

Utility trailers, camper trailers, horse trailers or even park model trailers permanently parked at a campground, we can find insurance for you. Trailers can either be added to your auto policy, or put on their own specialized policy.

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Companies we keep

Why choose an insurance broker?

 Choice

We will assess your insurance needs and do the shopping for you to find the right coverage at a great price.

 Advocacy

No one wants to make a claim, but if you have to, we will help you with the process and provide claims counseling.

 Advice

Using an us as your broker will give you access to our experience and judgment.

 Flexible

We give you flexibility, making is easier for you to choose a way that is comfortable and that fits your busy lifestyle.

 Knowledge

We are experts at finding you the coverage you need for a competitive price, and can help you determine discounts you are eligible for.

 Transparency

We are paid a similar commission by any insurance company we place your business with. We encourage you to ask us about our remuneration.

 Trust

We put your interests first. We aren’t an agent of one company. Buying from us means you can feel confident knowing you have coverage fit for you.

 Responsibility

We are your local resource, and will be the first to respond to your needs in the event of a catastrophe in your community.

Tweets


Facebook Posts

This photo was shared from the Barrie Fire Department, and was simply too cute not to share. ... See MoreSee Less

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Congratulations to Neil Salverda from our Thedford office for receiving his Chartered Insurance Professional (CIP) designation. This designation requires the completion of 10 courses and examinations, and it can be a long and difficult task to complete - Nice work Neil! ... See MoreSee Less

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If you are experiencing a claims emergency please visit our website www.hmsinsurance.com/claim for a list of our 24/hr phone numbers. ... See MoreSee Less

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An interesting video clip on weight distribution for trailers. It's now the season where people are taking their boats out of the water and moving them to there winter location. Please make sure the boat is loaded correctly when doing so. ... See MoreSee Less

A fascinating short video on why weight distribution matters so much for trailers. This is the season where many boats will be trailered to their winter storage location. Well worth knowing what could...

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Blog Posts

kvd36nrfjl4-ashley-knedler eSlips Could Be Arriving Soon in 2017 - With the digital transformation of our society and the insurance industry alike, it's been a long time coming that we would be able to use electronic insurance slips (eSlips). Most insurance companies allow you to view your insurance policy online via your smart phone or computer, but in 2017 you'll have the option have your insurance slip in your phone, and not your glove-box. If you get pulled over by the police for example, and are required to show proof of insurance, you can simply show them your phone (...)