COVID-19 Operations Update

In the interest of public health, and an effort to help flatten the curve of COVID-19, we have closed our doors to the public. Customers are still able to contact the offices by phone & email. We thank you for your patience and understanding during this pandemic.

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Your Best Insurance,

Is With An Insurance Broker

Find coverage fit for you.

Contact Us

Auto Insurance

Instantly compare car insurance.
Find the coverage that’s Fit For You.

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Home Insurance 

Instantly compare home, condominium, and tenant insurance.
Find the coverage that’s Fit For You.

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Boat Insurance

Fishing, adventure, speed, pleasure or entertainment.
We can find a solution for you in the water.

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Travel Insurance Quotes

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

Travel Quote

Business Insurance

Farms, store fronts, roofing businesses, gym trainer, etc.
Whatever the business, we can find coverage fit for you.

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Auto Insurance

Let us do the ‘shopping around’ for you to find you the best rates on auto insurance in Ontario. We’ll make sure you know exactly what’s covered and what’s not, so you feel completely comfortable with your auto insurance coverage. Whether you drive a car, truck, or even a motorcycle, we have insurance solutions designed to meet your needs.

Get a Quote


Home Insurance

Buying a home is a significant investment, and protecting your investment with the right insurance means peace of mind. Whether you own a condo, rent an apartment, or own your own home, we have insurance solutions designed to fit your needs and make sure you’re covered should the unexpected occur.

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Commercial Insurance

At your place of business, you are already busy enough. You don’t have time to worry about the type of coverage you have. You just need to know if you are covered and you want the best price possible. Call us today and let us help you find the coverage that is right for your business.

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Travel Insurance

Travel insurance can cover the costs of medical treatment that aren’t covered by your provincial health plan when you travel out of province or out of the country. Travel insurance can also cover costs associated with coming home from your trip early, or cancelling before you leave, as well as covering lost luggage or theft while travelling.

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Products Offered

Multiple Lines Available

Auto Insurance

Great rates, personal service and excellent coverage.

Home Insurance

Coverage for your home, condo, or your personal contents.

Business Insurance

Offering a complete line of commercial insurance for your business.

Farm Insurance

Offering a full range of comprehensive coverage for farms.

Marine Insurance

Your boat was an enormous investment, let’s protect it properly.

Bike Insurance

Competitive rates for new and experienced riders. Get on your bike faster.

other Insurance

ATV’s, snowmobiles, side by sides, drones, and so much more!

Life Insurance

When it’s more than just you to consider. Get protected.

Our Partners

The Quoting Process

We’re here to guide you, and help you make the right insurance choices.

step 1

Tell us a bit about yourself:

Answer a few short, online questions to start your quote, or give us a call, and we’ll ask you some questions over the phone. You can also request a callback from us.

You’ll speak to an insurance broker:

If you chose to get your estimate online or contacted one of our brokers, we’ll get back to you as soon as possible to finalize your customized quote.

We’ll walk you through everything:

Once we have all the information we need, we’ll send you your quote, and take the time to explain the coverages you’re getting in your policy.

You get the coverage you need

Once you’ve read and understood your customized insurance quote, we can activate your coverage right away.

Latest News

Stay Up to Date
Tugo Travel Insurance TUGO: Travel Insurance FAQ For COVID-19 (Coronavirus)- At HMS Insurance we offer a number of different travel insurance options, which include coverages for emergency medical services, trip cancellation/interruption, baggage coverage, and more. One of our insurance partners Tugo has posted a frequently… More...
Umbrella Coverage Umbrella coverage: how does it work, and do you need it?- If you’ve ever heard the term “umbrella coverage,” your first thought might have been weather-related. But in the insurance world, umbrella coverage has nothing to do with actual umbrellas. So, what is umbrella coverage? How… More...
Commercial truck Do I need commercial auto insurance?- Auto insurance is mandatory in most regions of Canada. But having an insurance policy doesn’t necessarily mean you have the right coverage. For instance, if you use your vehicle for business purposes, you may be… More...