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.

See Video

Going on Vacation?

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

Get a Quote

Involved in a claim?

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

Report a Claim

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!

Contact us

Give us a review

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

Review Us

Get a Free Quote


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.

Learn More

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.

Learn More

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.

Learn More

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.

Learn More

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.

Learn More

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.

Learn More

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.

Learn More

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.

Learn More

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.

Learn More

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 us as your insurance 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.



HMS / MacLachlan Insurance Inc. shared their photo. ... See MoreSee Less

Canada's Agriculture Day is a day to think about where our food comes from and to tip our hats to the families who produce it. On February 16, please join us in thanking all the hardworking farmers wh...

View on Facebook

Canada's Agriculture Day is a day to think about where our food comes from and to tip our hats to the families who produce it. On February 16, please join us in thanking all the hardworking farmers who keep Canadians fed. #CdnAgDay #IWorkinAg ... See MoreSee Less

View on Facebook

If you are experiencing a claims emergency please visit our website www.hmsinsurance.com for the 24/hour phone numbers. ... See MoreSee Less

View on Facebook


home claim How will making a claim impact the cost of my home insurance? - Your home insurance policy is there to protect you when you need it most — but you may find yourself wondering what could happen to your premium after you make a claim. As your HMS insurance broker we will provide helpful insight on how your claim will impact your policy, and provide the right course of action to get your …