AIA INSURANCE BROKERS LTD Whether you want to cover your auto, home, business, life, your family, your personal or business liabilities, or any other piece of your life, AiA has you protected. We understand that you may not always want to think about the future, that’s why we will do it for you. Tell us what you would like to have covered and we will send you

over a

AIAINSURANCE.CA

aiainsurance.ca

BUSINESS INSURANCE

You’re a business owner and your day to day is filled with tasks making sure that you complete each one of them. Your business has assets that you want to protect and having business insurance is the best way to do it. Whether that’s yourself, your partner, employees, office space, vehicles and so much more, AiA has your business

covered.

PROPERTY INSURANCE

1. Increase your deductible. Your deductible is the amount you agree to pay out of pocket when you file an insurance claim. The more you pay upfront, the less you pay in insurance each month. The amount you pay each month is called the premium. 2. Bundle your insurance. You could benefit from purchasing a bundle policy, which covers your home WHEN SHOULD YOU BUY LIFE INSURANCE? Having life insurance will give you peace of mind by knowing that everyone you care about is protected with financial support. Whether you’re a recent grad, married with a mortgage, or planning your estate, you’re likely to have two things in common with every age

group:

WHAT MAKES YOU A HIGH RISK DRIVER? Even a driver with a flawless driving record can be considered at risk if they are driving a certain car. Though colour is irrelevant, a car’s reputation for being stolen can make it high risk. Every year, the Insurance Bureau of Canada releases their list of the top 10 stolen cars across Canada.While a driver may have a perfect record, insurance must cover a car even when not in use. TYPES OF INSURANCE: A MILLENNIAL GUIDE Some of the different types of insurance policies available: Public Liability Insurance–Protects you against claims made by someone who blames an injury on your business. Building And Contents Insurance–This protects the items inside your place of business. Employers’ Liability Insurance-It’s the only one that’s a legal

requirement.

TRUE OR FALSE? 5 MYTHS ABOUT YOUR CAR INSURANCE This myth is a little misconceiving. On a large scale, this is true. A car as expensive as a BMW will cost more than a simple Toyota as it has a stronger engine and will cost more to repair. This in turn will make the insurance higher. When there is a difference of tens of thousands of dollars, insurance will absolutely be higher for the more DISCLAIMER - AIA INSURANCE BROKERS LTD Statement on Services Provided. “Our role is to provide you with the best insurance value that combines coverage, service, and price. We also provide personalized, quality service that includes professional insurance advice, ongoing policy maintenance and claims support. When any issue arises regarding your insurance coverage, we are your

TERMS OF SERVICE

AIA INSURANCE BROKERS LTD Whether you want to cover your auto, home, business, life, your family, your personal or business liabilities, or any other piece of your life, AiA has you protected. We understand that you may not always want to think about the future, that’s why we will do it for you. Tell us what you would like to have covered and we will send you

over a

AIAINSURANCE.CA

aiainsurance.ca

BUSINESS INSURANCE

You’re a business owner and your day to day is filled with tasks making sure that you complete each one of them. Your business has assets that you want to protect and having business insurance is the best way to do it. Whether that’s yourself, your partner, employees, office space, vehicles and so much more, AiA has your business

covered.

PROPERTY INSURANCE

1. Increase your deductible. Your deductible is the amount you agree to pay out of pocket when you file an insurance claim. The more you pay upfront, the less you pay in insurance each month. The amount you pay each month is called the premium. 2. Bundle your insurance. You could benefit from purchasing a bundle policy, which covers your home WHEN SHOULD YOU BUY LIFE INSURANCE? Having life insurance will give you peace of mind by knowing that everyone you care about is protected with financial support. Whether you’re a recent grad, married with a mortgage, or planning your estate, you’re likely to have two things in common with every age

group:

WHAT MAKES YOU A HIGH RISK DRIVER? Even a driver with a flawless driving record can be considered at risk if they are driving a certain car. Though colour is irrelevant, a car’s reputation for being stolen can make it high risk. Every year, the Insurance Bureau of Canada releases their list of the top 10 stolen cars across Canada.While a driver may have a perfect record, insurance must cover a car even when not in use. TYPES OF INSURANCE: A MILLENNIAL GUIDE Some of the different types of insurance policies available: Public Liability Insurance–Protects you against claims made by someone who blames an injury on your business. Building And Contents Insurance–This protects the items inside your place of business. Employers’ Liability Insurance-It’s the only one that’s a legal

requirement.

TRUE OR FALSE? 5 MYTHS ABOUT YOUR CAR INSURANCE This myth is a little misconceiving. On a large scale, this is true. A car as expensive as a BMW will cost more than a simple Toyota as it has a stronger engine and will cost more to repair. This in turn will make the insurance higher. When there is a difference of tens of thousands of dollars, insurance will absolutely be higher for the more DISCLAIMER - AIA INSURANCE BROKERS LTD Statement on Services Provided. “Our role is to provide you with the best insurance value that combines coverage, service, and price. We also provide personalized, quality service that includes professional insurance advice, ongoing policy maintenance and claims support. When any issue arises regarding your insurance coverage, we are your

TERMS OF SERVICE

HIGH-RISK HOME INSURANCE: DO YOU QUALIFY? High-risk home insurance is when the insurance company believes that the property is financially riskier and could cost them more to cover. CAR MAINTENANCE ARCHIVES 4 Spring Car Maintenance Tips. by Rene | Mar 21, 2021. Car maintenance is only important during the winter, right? Wrong! As the snow slowly melts away you should start thinking about de-winterizing your car and making sure that everything is ready for spring driving. AIA INSURANCE BROKERS LTD Whether you want to cover your auto, home, business, life, your family, your personal or business liabilities, or any other piece of your life, AiA has you protected. We understand that you may not always want to think about the future, that’s why we will do it for you. Tell us what you would like to have covered and we will send you

over a

AIAINSURANCE.CA

aiainsurance.ca

BUSINESS INSURANCE

You’re a business owner and your day to day is filled with tasks making sure that you complete each one of them. Your business has assets that you want to protect and having business insurance is the best way to do it. Whether that’s yourself, your partner, employees, office space, vehicles and so much more, AiA has your business

covered.

PROPERTY INSURANCE

1. Increase your deductible. Your deductible is the amount you agree to pay out of pocket when you file an insurance claim. The more you pay upfront, the less you pay in insurance each month. The amount you pay each month is called the premium. 2. Bundle your insurance. You could benefit from purchasing a bundle policy, which covers your home WHEN SHOULD YOU BUY LIFE INSURANCE? Having life insurance will give you peace of mind by knowing that everyone you care about is protected with financial support. Whether you’re a recent grad, married with a mortgage, or planning your estate, you’re likely to have two things in common with every age

group:

TRUE OR FALSE? 5 MYTHS ABOUT YOUR CAR INSURANCE This myth is a little misconceiving. On a large scale, this is true. A car as expensive as a BMW will cost more than a simple Toyota as it has a stronger engine and will cost more to repair. This in turn will make the insurance higher. When there is a difference of tens of thousands of dollars, insurance will absolutely be higher for the more TYPES OF INSURANCE: A MILLENNIAL GUIDE Some of the different types of insurance policies available: Public Liability Insurance–Protects you against claims made by someone who blames an injury on your business. Building And Contents Insurance–This protects the items inside your place of business. Employers’ Liability Insurance-It’s the only one that’s a legal

requirement.

WHAT MAKES YOU A HIGH RISK DRIVER? Even a driver with a flawless driving record can be considered at risk if they are driving a certain car. Though colour is irrelevant, a car’s reputation for being stolen can make it high risk. Every year, the Insurance Bureau of Canada releases their list of the top 10 stolen cars across Canada.While a driver may have a perfect record, insurance must cover a car even when not in use. DISCLAIMER - AIA INSURANCE BROKERS LTD Statement on Services Provided. “Our role is to provide you with the best insurance value that combines coverage, service, and price. We also provide personalized, quality service that includes professional insurance advice, ongoing policy maintenance and claims support. When any issue arises regarding your insurance coverage, we are your

TERMS OF SERVICE

AIA INSURANCE BROKERS LTD Whether you want to cover your auto, home, business, life, your family, your personal or business liabilities, or any other piece of your life, AiA has you protected. We understand that you may not always want to think about the future, that’s why we will do it for you. Tell us what you would like to have covered and we will send you

over a

AIAINSURANCE.CA

aiainsurance.ca

BUSINESS INSURANCE

You’re a business owner and your day to day is filled with tasks making sure that you complete each one of them. Your business has assets that you want to protect and having business insurance is the best way to do it. Whether that’s yourself, your partner, employees, office space, vehicles and so much more, AiA has your business

covered.

PROPERTY INSURANCE

1. Increase your deductible. Your deductible is the amount you agree to pay out of pocket when you file an insurance claim. The more you pay upfront, the less you pay in insurance each month. The amount you pay each month is called the premium. 2. Bundle your insurance. You could benefit from purchasing a bundle policy, which covers your home WHEN SHOULD YOU BUY LIFE INSURANCE? Having life insurance will give you peace of mind by knowing that everyone you care about is protected with financial support. Whether you’re a recent grad, married with a mortgage, or planning your estate, you’re likely to have two things in common with every age

group:

TRUE OR FALSE? 5 MYTHS ABOUT YOUR CAR INSURANCE This myth is a little misconceiving. On a large scale, this is true. A car as expensive as a BMW will cost more than a simple Toyota as it has a stronger engine and will cost more to repair. This in turn will make the insurance higher. When there is a difference of tens of thousands of dollars, insurance will absolutely be higher for the more TYPES OF INSURANCE: A MILLENNIAL GUIDE Some of the different types of insurance policies available: Public Liability Insurance–Protects you against claims made by someone who blames an injury on your business. Building And Contents Insurance–This protects the items inside your place of business. Employers’ Liability Insurance-It’s the only one that’s a legal

requirement.

WHAT MAKES YOU A HIGH RISK DRIVER? Even a driver with a flawless driving record can be considered at risk if they are driving a certain car. Though colour is irrelevant, a car’s reputation for being stolen can make it high risk. Every year, the Insurance Bureau of Canada releases their list of the top 10 stolen cars across Canada.While a driver may have a perfect record, insurance must cover a car even when not in use. DISCLAIMER - AIA INSURANCE BROKERS LTD Statement on Services Provided. “Our role is to provide you with the best insurance value that combines coverage, service, and price. We also provide personalized, quality service that includes professional insurance advice, ongoing policy maintenance and claims support. When any issue arises regarding your insurance coverage, we are your

TERMS OF SERVICE

HIGH-RISK HOME INSURANCE: DO YOU QUALIFY? High-risk home insurance is when the insurance company believes that the property is financially riskier and could cost them more to cover. CAR MAINTENANCE ARCHIVES 4 Spring Car Maintenance Tips. by Rene | Mar 21, 2021. Car maintenance is only important during the winter, right? Wrong! As the snow slowly melts away you should start thinking about de-winterizing your car and making sure that everything is ready for spring driving. AIA INSURANCE BROKERS LTD Whether you want to cover your auto, home, business, life, your family, your personal or business liabilities, or any other piece of your life, AiA has you protected. We understand that you may not always want to think about the future, that’s why we will do it for you. Tell us what you would like to have covered and we will send you

over a

AIAINSURANCE.CA

aiainsurance.ca

BUSINESS INSURANCE

You’re a business owner and your day to day is filled with tasks making sure that you complete each one of them. Your business has assets that you want to protect and having business insurance is the best way to do it. Whether that’s yourself, your partner, employees, office space, vehicles and so much more, AiA has your business

covered.

PROPERTY INSURANCE

1. Increase your deductible. Your deductible is the amount you agree to pay out of pocket when you file an insurance claim. The more you pay upfront, the less you pay in insurance each month. The amount you pay each month is called the premium. 2. Bundle your insurance. You could benefit from purchasing a bundle policy, which covers your home WHEN SHOULD YOU BUY LIFE INSURANCE? Having life insurance will give you peace of mind by knowing that everyone you care about is protected with financial support. Whether you’re a recent grad, married with a mortgage, or planning your estate, you’re likely to have two things in common with every age

group:

TYPES OF INSURANCE: A MILLENNIAL GUIDE Some of the different types of insurance policies available: Public Liability Insurance–Protects you against claims made by someone who blames an injury on your business. Building And Contents Insurance–This protects the items inside your place of business. Employers’ Liability Insurance-It’s the only one that’s a legal

requirement.

WHAT MAKES YOU A HIGH RISK DRIVER? Even a driver with a flawless driving record can be considered at risk if they are driving a certain car. Though colour is irrelevant, a car’s reputation for being stolen can make it high risk. Every year, the Insurance Bureau of Canada releases their list of the top 10 stolen cars across Canada.While a driver may have a perfect record, insurance must cover a car even when not in use. TRUE OR FALSE? 5 MYTHS ABOUT YOUR CAR INSURANCE This myth is a little misconceiving. On a large scale, this is true. A car as expensive as a BMW will cost more than a simple Toyota as it has a stronger engine and will cost more to repair. This in turn will make the insurance higher. When there is a difference of tens of thousands of dollars, insurance will absolutely be higher for the more DISCLAIMER - AIA INSURANCE BROKERS LTD Statement on Services Provided. “Our role is to provide you with the best insurance value that combines coverage, service, and price. We also provide personalized, quality service that includes professional insurance advice, ongoing policy maintenance and claims support. When any issue arises regarding your insurance coverage, we are your

TERMS OF SERVICE

AIA INSURANCE BROKERS LTD Whether you want to cover your auto, home, business, life, your family, your personal or business liabilities, or any other piece of your life, AiA has you protected. We understand that you may not always want to think about the future, that’s why we will do it for you. Tell us what you would like to have covered and we will send you

over a

AIAINSURANCE.CA

aiainsurance.ca

BUSINESS INSURANCE

You’re a business owner and your day to day is filled with tasks making sure that you complete each one of them. Your business has assets that you want to protect and having business insurance is the best way to do it. Whether that’s yourself, your partner, employees, office space, vehicles and so much more, AiA has your business

covered.

PROPERTY INSURANCE

1. Increase your deductible. Your deductible is the amount you agree to pay out of pocket when you file an insurance claim. The more you pay upfront, the less you pay in insurance each month. The amount you pay each month is called the premium. 2. Bundle your insurance. You could benefit from purchasing a bundle policy, which covers your home WHEN SHOULD YOU BUY LIFE INSURANCE? Having life insurance will give you peace of mind by knowing that everyone you care about is protected with financial support. Whether you’re a recent grad, married with a mortgage, or planning your estate, you’re likely to have two things in common with every age

group:

TYPES OF INSURANCE: A MILLENNIAL GUIDE Some of the different types of insurance policies available: Public Liability Insurance–Protects you against claims made by someone who blames an injury on your business. Building And Contents Insurance–This protects the items inside your place of business. Employers’ Liability Insurance-It’s the only one that’s a legal

requirement.

WHAT MAKES YOU A HIGH RISK DRIVER? Even a driver with a flawless driving record can be considered at risk if they are driving a certain car. Though colour is irrelevant, a car’s reputation for being stolen can make it high risk. Every year, the Insurance Bureau of Canada releases their list of the top 10 stolen cars across Canada.While a driver may have a perfect record, insurance must cover a car even when not in use. TRUE OR FALSE? 5 MYTHS ABOUT YOUR CAR INSURANCE This myth is a little misconceiving. On a large scale, this is true. A car as expensive as a BMW will cost more than a simple Toyota as it has a stronger engine and will cost more to repair. This in turn will make the insurance higher. When there is a difference of tens of thousands of dollars, insurance will absolutely be higher for the more DISCLAIMER - AIA INSURANCE BROKERS LTD Statement on Services Provided. “Our role is to provide you with the best insurance value that combines coverage, service, and price. We also provide personalized, quality service that includes professional insurance advice, ongoing policy maintenance and claims support. When any issue arises regarding your insurance coverage, we are your

TERMS OF SERVICE

AIA INSURANCE BROKERS LTD Whether you want to cover your auto, home, business, life, your family, your personal or business liabilities, or any other piece of your life, AiA has you protected. We understand that you may not always want to think about the future, that’s why we will do it for you. Tell us what you would like to have covered and we will send you

over a

AIAINSURANCE.CA

aiainsurance.ca

BUSINESS INSURANCE

You’re a business owner and your day to day is filled with tasks making sure that you complete each one of them. Your business has assets that you want to protect and having business insurance is the best way to do it. Whether that’s yourself, your partner, employees, office space, vehicles and so much more, AiA has your business

covered.

PROPERTY INSURANCE

1. Increase your deductible. Your deductible is the amount you agree to pay out of pocket when you file an insurance claim. The more you pay upfront, the less you pay in insurance each month. The amount you pay each month is called the premium. 2. Bundle your insurance. You could benefit from purchasing a bundle policy, which covers your home WHEN SHOULD YOU BUY LIFE INSURANCE? Having life insurance will give you peace of mind by knowing that everyone you care about is protected with financial support. Whether you’re a recent grad, married with a mortgage, or planning your estate, you’re likely to have two things in common with every age

group:

TYPES OF INSURANCE: A MILLENNIAL GUIDE Embezzlement: The fraudulent use of money or property which has been entrusted to one’s care. Grace Period: A period after the premium due date, during which an overdue premium may be paid without penalty. Indemnify: To restore the victim of a loss, in whole or in part, by payment, repair, or replacement. Libel: A written statement about someone which is personally injurious to that individual. WHAT MAKES YOU A HIGH RISK DRIVER? Even a driver with a flawless driving record can be considered at risk if they are driving a certain car. Though colour is irrelevant, a car’s reputation for being stolen can make it high risk. Every year, the Insurance Bureau of Canada releases their list of the top 10 stolen cars across Canada.While a driver may have a perfect record, insurance must cover a car even when not in use. TRUE OR FALSE? 5 MYTHS ABOUT YOUR CAR INSURANCE This myth is a little misconceiving. On a large scale, this is true. A car as expensive as a BMW will cost more than a simple Toyota as it has a stronger engine and will cost more to repair. This in turn will make the insurance higher. When there is a difference of tens of thousands of dollars, insurance will absolutely be higher for the more DISCLAIMER - AIA INSURANCE BROKERS LTD Statement on Services Provided. “Our role is to provide you with the best insurance value that combines coverage, service, and price. We also provide personalized, quality service that includes professional insurance advice, ongoing policy maintenance and claims support. When any issue arises regarding your insurance coverage, we are your

TERMS OF SERVICE

Randy Carroll Principal Broker/Director. Randy is a seasoned veteran of the property and casualty insurance industry and has extensive experience in a range of insurance related organizations, from multiple vantage points, giving him unprecedented industry insights. AIA INSURANCE BROKERS LTD Whether you want to cover your auto, home, business, life, your family, your personal or business liabilities, or any other piece of your life, AiA has you protected. We understand that you may not always want to think about the future, that’s why we will do it for you. Tell us what you would like to have covered and we will send you

over a

BUSINESS INSURANCE

You’re a business owner and your day to day is filled with tasks making sure that you complete each one of them. Your business has assets that you want to protect and having business insurance is the best way to do it. Whether that’s yourself, your partner, employees, office space, vehicles and so much more, AiA has your business

covered.

PROPERTY INSURANCE

1. Increase your deductible. Your deductible is the amount you agree to pay out of pocket when you file an insurance claim. The more you pay upfront, the less you pay in insurance each month. The amount you pay each month is called the premium. 2. Bundle your insurance. You could benefit from purchasing a bundle policy, which covers your home

GET A QUOTE HERE

Get in touch with us Let us help you take control of your insurance WHAT MAKES YOU A HIGH RISK DRIVER? Even a driver with a flawless driving record can be considered at risk if they are driving a certain car. Though colour is irrelevant, a car’s reputation for being stolen can make it high risk. Every year, the Insurance Bureau of Canada releases their list of the top 10 stolen cars across Canada.While a driver may have a perfect record, insurance must cover a car even when not in use. WHEN SHOULD YOU BUY LIFE INSURANCE? Having life insurance will give you peace of mind by knowing that everyone you care about is protected with financial support. Whether you’re a recent grad, married with a mortgage, or planning your estate, you’re likely to have two things in common with every age

group:

HIGH-RISK HOME INSURANCE: DO YOU QUALIFY? High-risk home insurance is when the insurance company believes that the property is financially riskier and could cost them more to cover. DISCLAIMER - AIA INSURANCE BROKERS LTD Statement on Services Provided. “Our role is to provide you with the best insurance value that combines coverage, service, and price. We also provide personalized, quality service that includes professional insurance advice, ongoing policy maintenance and claims support. When any issue arises regarding your insurance coverage, we are your

TERMS OF SERVICE

TRUE OR FALSE? 5 MYTHS ABOUT YOUR CAR INSURANCE This myth is a little misconceiving. On a large scale, this is true. A car as expensive as a BMW will cost more than a simple Toyota as it has a stronger engine and will cost more to repair. This in turn will make the insurance higher. When there is a difference of tens of thousands of dollars, insurance will absolutely be higher for the more AIA INSURANCE BROKERS LTD Whether you want to cover your auto, home, business, life, your family, your personal or business liabilities, or any other piece of your life, AiA has you protected. We understand that you may not always want to think about the future, that’s why we will do it for you. Tell us what you would like to have covered and we will send you

over a

BUSINESS INSURANCE

You’re a business owner and your day to day is filled with tasks making sure that you complete each one of them. Your business has assets that you want to protect and having business insurance is the best way to do it. Whether that’s yourself, your partner, employees, office space, vehicles and so much more, AiA has your business

covered.

PROPERTY INSURANCE

1. Increase your deductible. Your deductible is the amount you agree to pay out of pocket when you file an insurance claim. The more you pay upfront, the less you pay in insurance each month. The amount you pay each month is called the premium. 2. Bundle your insurance. You could benefit from purchasing a bundle policy, which covers your home

GET A QUOTE HERE

Get in touch with us Let us help you take control of your insurance WHAT MAKES YOU A HIGH RISK DRIVER? Even a driver with a flawless driving record can be considered at risk if they are driving a certain car. Though colour is irrelevant, a car’s reputation for being stolen can make it high risk. Every year, the Insurance Bureau of Canada releases their list of the top 10 stolen cars across Canada.While a driver may have a perfect record, insurance must cover a car even when not in use. WHEN SHOULD YOU BUY LIFE INSURANCE? Having life insurance will give you peace of mind by knowing that everyone you care about is protected with financial support. Whether you’re a recent grad, married with a mortgage, or planning your estate, you’re likely to have two things in common with every age

group:

HIGH-RISK HOME INSURANCE: DO YOU QUALIFY? High-risk home insurance is when the insurance company believes that the property is financially riskier and could cost them more to cover. DISCLAIMER - AIA INSURANCE BROKERS LTD Statement on Services Provided. “Our role is to provide you with the best insurance value that combines coverage, service, and price. We also provide personalized, quality service that includes professional insurance advice, ongoing policy maintenance and claims support. When any issue arises regarding your insurance coverage, we are your

TERMS OF SERVICE

TRUE OR FALSE? 5 MYTHS ABOUT YOUR CAR INSURANCE This myth is a little misconceiving. On a large scale, this is true. A car as expensive as a BMW will cost more than a simple Toyota as it has a stronger engine and will cost more to repair. This in turn will make the insurance higher. When there is a difference of tens of thousands of dollars, insurance will absolutely be higher for the more AIA INSURANCE BROKERS LTD Whether you want to cover your auto, home, business, life, your family, your personal or business liabilities, or any other piece of your life, AiA has you protected. We understand that you may not always want to think about the future, that’s why we will do it for you. Tell us what you would like to have covered and we will send you

over a

WHAT MAKES YOU A HIGH RISK DRIVER? Even a driver with a flawless driving record can be considered at risk if they are driving a certain car. Though colour is irrelevant, a car’s reputation for being stolen can make it high risk. Every year, the Insurance Bureau of Canada releases their list of the top 10 stolen cars across Canada.While a driver may have a perfect record, insurance must cover a car even when not in use.

PROPERTY INSURANCE

1. Increase your deductible. Your deductible is the amount you agree to pay out of pocket when you file an insurance claim. The more you pay upfront, the less you pay in insurance each month. The amount you pay each month is called the premium. 2. Bundle your insurance. You could benefit from purchasing a bundle policy, which covers your home DISCLAIMER - AIA INSURANCE BROKERS LTD Statement on Services Provided. “Our role is to provide you with the best insurance value that combines coverage, service, and price. We also provide personalized, quality service that includes professional insurance advice, ongoing policy maintenance and claims support. When any issue arises regarding your insurance coverage, we are your

TERMS OF SERVICE

Randy Carroll Principal Broker/Director. Randy is a seasoned veteran of the property and casualty insurance industry and has extensive experience in a range of insurance related organizations, from multiple vantage points, giving him unprecedented industry insights. TRUE OR FALSE? 5 MYTHS ABOUT YOUR CAR INSURANCE This myth is a little misconceiving. On a large scale, this is true. A car as expensive as a BMW will cost more than a simple Toyota as it has a stronger engine and will cost more to repair. This in turn will make the insurance higher. When there is a difference of tens of thousands of dollars, insurance will absolutely be higher for the more

BUSINESS INSURANCE

You’re a business owner and your day to day is filled with tasks making sure that you complete each one of them. Your business has assets that you want to protect and having business insurance is the best way to do it. Whether that’s yourself, your partner, employees, office space, vehicles and so much more, AiA has your business

covered.

WHEN SHOULD YOU BUY LIFE INSURANCE? Having life insurance will give you peace of mind by knowing that everyone you care about is protected with financial support. Whether you’re a recent grad, married with a mortgage, or planning your estate, you’re likely to have two things in common with every age

group:

TYPES OF INSURANCE: A MILLENNIAL GUIDE Embezzlement: The fraudulent use of money or property which has been entrusted to one’s care. Grace Period: A period after the premium due date, during which an overdue premium may be paid without penalty. Indemnify: To restore the victim of a loss, in whole or in part, by payment, repair, or replacement. Libel: A written statement about someone which is personally injurious to that individual. AIA INSURANCE BROKERS LTD Whether you want to cover your auto, home, business, life, your family, your personal or business liabilities, or any other piece of your life, AiA has you protected. We understand that you may not always want to think about the future, that’s why we will do it for you. Tell us what you would like to have covered and we will send you

over a

BUSINESS INSURANCE

You’re a business owner and your day to day is filled with tasks making sure that you complete each one of them. Your business has assets that you want to protect and having business insurance is the best way to do it. Whether that’s yourself, your partner, employees, office space, vehicles and so much more, AiA has your business

covered.

PROPERTY INSURANCE

1. Increase your deductible. Your deductible is the amount you agree to pay out of pocket when you file an insurance claim. The more you pay upfront, the less you pay in insurance each month. The amount you pay each month is called the premium. 2. Bundle your insurance. You could benefit from purchasing a bundle policy, which covers your home

GET A QUOTE HERE

Get in touch with us Let us help you take control of your insurance WHAT MAKES YOU A HIGH RISK DRIVER? Even a driver with a flawless driving record can be considered at risk if they are driving a certain car. Though colour is irrelevant, a car’s reputation for being stolen can make it high risk. Every year, the Insurance Bureau of Canada releases their list of the top 10 stolen cars across Canada.While a driver may have a perfect record, insurance must cover a car even when not in use. WHEN SHOULD YOU BUY LIFE INSURANCE? Having life insurance will give you peace of mind by knowing that everyone you care about is protected with financial support. Whether you’re a recent grad, married with a mortgage, or planning your estate, you’re likely to have two things in common with every age

group:

HIGH-RISK HOME INSURANCE: DO YOU QUALIFY? High-risk home insurance is when the insurance company believes that the property is financially riskier and could cost them more to cover. DISCLAIMER - AIA INSURANCE BROKERS LTD Statement on Services Provided. “Our role is to provide you with the best insurance value that combines coverage, service, and price. We also provide personalized, quality service that includes professional insurance advice, ongoing policy maintenance and claims support. When any issue arises regarding your insurance coverage, we are your

TERMS OF SERVICE

TRUE OR FALSE? 5 MYTHS ABOUT YOUR CAR INSURANCE This myth is a little misconceiving. On a large scale, this is true. A car as expensive as a BMW will cost more than a simple Toyota as it has a stronger engine and will cost more to repair. This in turn will make the insurance higher. When there is a difference of tens of thousands of dollars, insurance will absolutely be higher for the more AIA INSURANCE BROKERS LTD Whether you want to cover your auto, home, business, life, your family, your personal or business liabilities, or any other piece of your life, AiA has you protected. We understand that you may not always want to think about the future, that’s why we will do it for you. Tell us what you would like to have covered and we will send you

over a

BUSINESS INSURANCE

You’re a business owner and your day to day is filled with tasks making sure that you complete each one of them. Your business has assets that you want to protect and having business insurance is the best way to do it. Whether that’s yourself, your partner, employees, office space, vehicles and so much more, AiA has your business

covered.

PROPERTY INSURANCE

1. Increase your deductible. Your deductible is the amount you agree to pay out of pocket when you file an insurance claim. The more you pay upfront, the less you pay in insurance each month. The amount you pay each month is called the premium. 2. Bundle your insurance. You could benefit from purchasing a bundle policy, which covers your home

GET A QUOTE HERE

Get in touch with us Let us help you take control of your insurance WHAT MAKES YOU A HIGH RISK DRIVER? Even a driver with a flawless driving record can be considered at risk if they are driving a certain car. Though colour is irrelevant, a car’s reputation for being stolen can make it high risk. Every year, the Insurance Bureau of Canada releases their list of the top 10 stolen cars across Canada.While a driver may have a perfect record, insurance must cover a car even when not in use. WHEN SHOULD YOU BUY LIFE INSURANCE? Having life insurance will give you peace of mind by knowing that everyone you care about is protected with financial support. Whether you’re a recent grad, married with a mortgage, or planning your estate, you’re likely to have two things in common with every age

group:

HIGH-RISK HOME INSURANCE: DO YOU QUALIFY? High-risk home insurance is when the insurance company believes that the property is financially riskier and could cost them more to cover. DISCLAIMER - AIA INSURANCE BROKERS LTD Statement on Services Provided. “Our role is to provide you with the best insurance value that combines coverage, service, and price. We also provide personalized, quality service that includes professional insurance advice, ongoing policy maintenance and claims support. When any issue arises regarding your insurance coverage, we are your

TERMS OF SERVICE

TRUE OR FALSE? 5 MYTHS ABOUT YOUR CAR INSURANCE This myth is a little misconceiving. On a large scale, this is true. A car as expensive as a BMW will cost more than a simple Toyota as it has a stronger engine and will cost more to repair. This in turn will make the insurance higher. When there is a difference of tens of thousands of dollars, insurance will absolutely be higher for the more AIA INSURANCE BROKERS LTD Whether you want to cover your auto, home, business, life, your family, your personal or business liabilities, or any other piece of your life, AiA has you protected. We understand that you may not always want to think about the future, that’s why we will do it for you. Tell us what you would like to have covered and we will send you

over a

WHAT MAKES YOU A HIGH RISK DRIVER? Even a driver with a flawless driving record can be considered at risk if they are driving a certain car. Though colour is irrelevant, a car’s reputation for being stolen can make it high risk. Every year, the Insurance Bureau of Canada releases their list of the top 10 stolen cars across Canada.While a driver may have a perfect record, insurance must cover a car even when not in use.

PROPERTY INSURANCE

1. Increase your deductible. Your deductible is the amount you agree to pay out of pocket when you file an insurance claim. The more you pay upfront, the less you pay in insurance each month. The amount you pay each month is called the premium. 2. Bundle your insurance. You could benefit from purchasing a bundle policy, which covers your home DISCLAIMER - AIA INSURANCE BROKERS LTD Statement on Services Provided. “Our role is to provide you with the best insurance value that combines coverage, service, and price. We also provide personalized, quality service that includes professional insurance advice, ongoing policy maintenance and claims support. When any issue arises regarding your insurance coverage, we are your

TERMS OF SERVICE

Randy Carroll Principal Broker/Director. Randy is a seasoned veteran of the property and casualty insurance industry and has extensive experience in a range of insurance related organizations, from multiple vantage points, giving him unprecedented industry insights. TRUE OR FALSE? 5 MYTHS ABOUT YOUR CAR INSURANCE This myth is a little misconceiving. On a large scale, this is true. A car as expensive as a BMW will cost more than a simple Toyota as it has a stronger engine and will cost more to repair. This in turn will make the insurance higher. When there is a difference of tens of thousands of dollars, insurance will absolutely be higher for the more

BUSINESS INSURANCE

You’re a business owner and your day to day is filled with tasks making sure that you complete each one of them. Your business has assets that you want to protect and having business insurance is the best way to do it. Whether that’s yourself, your partner, employees, office space, vehicles and so much more, AiA has your business

covered.

WHEN SHOULD YOU BUY LIFE INSURANCE? Having life insurance will give you peace of mind by knowing that everyone you care about is protected with financial support. Whether you’re a recent grad, married with a mortgage, or planning your estate, you’re likely to have two things in common with every age

group:

TYPES OF INSURANCE: A MILLENNIAL GUIDE Embezzlement: The fraudulent use of money or property which has been entrusted to one’s care. Grace Period: A period after the premium due date, during which an overdue premium may be paid without penalty. Indemnify: To restore the victim of a loss, in whole or in part, by payment, repair, or replacement. Libel: A written statement about someone which is personally injurious to that individual.

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AIA INSURANCE, PUTTING ALL THE PIECES OF YOUR LIFE INTO PLACE We provide coverage for unexpected life situations Get A Quote Chat With An Expert WHAT DO YOU WANT TO COVER? Whether you want to cover your auto, home, business, life, your family, your personal or business liabilities, or any other piece of your life, AiA has you protected. We understand that you may not always want to think about the future, that’s why we will do it for you. Tell us what you would like to have covered and we will send you over a quote. If you are unsure and would just like to ask questions, we’re here for that too.

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At AiA, we believe that you can become your own insurance expert and we’re here to teach you. We understand exactly what you need and you can rely on us to explain in a way that you understand what you’re purchasing. Insurance can be a huge topic and there are many things that most people don’t understand about it. We want you to know your insurance plans so that you can make the most important decisions about protecting your life. Check out our blogs to learn more about

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WE PROVIDE COVERAGE FOR UNEXPECTED LIFE SITUATIONS. _WE PUT ALL THE PIECES TOGETHER SO YOU DON’T HAVE TO._

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WHO IS AIA INSURANCE? AiA Insurance Brokers was created in March 2016 by founder and brokerage President Rajiv Verma. In 2010, Rajiv and his young family moved to Canada from New Delhi India and started their new journey by making the city of Toronto home.

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James Deluca

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This is a great testimonial for AIA INSURANCE! This is a great testimonial for AiA Insurance. This is a great testimonial for AiA

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James Deluca

Manager

This is a great testimonial for AIA INSURANCE! This is a great testimonial for AiA Insurance. This is a great testimonial for AiA

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James Deluca

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This is a great testimonial for AIA INSURANCE! This is a great testimonial for AiA Insurance. This is a great testimonial for AiA

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TAKE CONTROL OF YOUR INSURANCE You are the most important to us and we want you to be in charge of the assets and people you want to protect. We will definitely help you choose an insurance plan that fits your individual needs but you are the one in control. AiA will never take away your control over your own life and future, we will just help it all fall into place. Our role is to provide the coverage you need in those unexpected life situations that may happen in your future. We think ahead so you don’t have to. If you ever want to switch your plan to make it better for your life, you can always do that. AiA insurance is just here to protect you and you decide what protection you need and how

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GURPREET SARAI

RIBO

Gurpreet is passionate about what he does and treats every client with the utmost respect and urgency. He has joined the AiA team in April 2019 and has been a great team player, he is a fast learner and adapts to rapid environments with ease. Before his career in Insurance, he worked as a recruiter for varies fortune 500 companies including TD, CIBC, Bank of Nova Scotia and Deloitte. Favourite Quote: “Treat Others How You Want To Be Treated” Gurpreet is fluent in English, Hindi and Punjabi. gurpreet@aiainsurance.ca

647-885-6719

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ERNA VERMA

DIRECTOR

Erna Verma is no stranger to Insurance. She joined her first P&C Brokerage in 2006 as a Director and was responsible for administration and Human Relations. Her past experience and outgoing personality and natural ability to make people feel comfortable will be an asset to the AiA Team. She will be focused on ensuring that we have the right tools in place to make sure that not only our Team will succeed but that our customers are well served. erna@aiainsurance.ca

416-504-0990

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DEBORAH CUELLAR PASTORE

ACCOUNT EXECUTIVE

_RIBO_

Deborah Cuellar-Pastore started her career as an Insurance Broker in 2014. Since then she has built relationships with hundreds of clients assisting them with their insurance needs. She is very customer oriented; willing and committed to go the extra mile to help her customers however she can. Her ability to ‘think outside the box’ in identifying problems and implementing innovative solutions is an asset to the brokerage and the clients she serves. Deborah has a natural ability to make people feel ‘at ease’ in a stressful situations and we are pleased to have her as a member of the AiA team. Deborah is fluent in English and Spanish. deborah@aiainsurance.ca

647-389-6268

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RANDY CARROLL

PRINCIPAL BROKER/DIRECTOR Randy is a seasoned veteran of the property and casualty insurance industry and has extensive experience in a range of insurance related organizations, from multiple vantage points, giving him unprecedented industry insights. Over the span of his career he has worked with the highest level of federal and provincial politicians, government and regulatory officials, industry leaders, corporate and volunteer boards of directors, and top talent of all stripes in the pursuit of association and industry excellence. His oversight and commitment to excellence is a welcomed addition to the AiA team. randy@aiainsurance.ca

647-963-2520

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JIGNESH PATEL

BUSINESS DEVELOPMENT MANAGER

_MBA, RIBO, LLQP_

Jignesh Patel is no stranger to the Insurance Industry. After obtaining his MBA he started his career in insurance in 2007 as a Life Agent selling Life Insurance Products. He continued down his career path by joining an Insurance Brokerage. He worked in Administration, Marketing and moved on to his current role as an Account Executive and Licensed Insurance Broker. In 2013 he was honoured to be recognized by his prior firm as Broker of the Year for 3 years running. He has proven record of excellent customer service, has a wealth of experience and is customer focused and is a great addition to the AiA

Team.

Jignesh speaks fluently in Gujrati, Hindi and English. jignesh@aiainsurance.ca

647-767-6677

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RAJIV VERMA

PRESIDENT

_MBA, RIBO, LLQP_

Rajiv is no stranger to the Insurance Industry and he has enjoyed a career span of over 30 years. He started his career with an Insurance Company in India, completed his Associateship in Marine Specialization, followed by his Fellowship of the Insurance Institute of India. In 2006, he left the company after 16 years and started his own brokerage and in 2010 he and his family moved to Canada. His prior skill set was an asset and his transition into the Canadian Insurance market was seamless. He obtained his RIBO license in 2010 and his LLQP in 2011. Over the past 8 years he has worked with his prior Brokerage as a Team Leader. In 2018 his desire and entrepreneurship has lead him to take on a new challenge and open his own Brokerage. Surrounding himself with successful people and under his leadership AiA Insurance Brokers Ltd was formed. Rajiv is married and has lovely twin daughters. rajiv@aiainsurance.ca

647-980-3455

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MARIA MAHWISH

RIBO

Maria is an honest and sincere broker. She is always looking to help people with their auto, home, commercial, and liability insurance needs. She is halfway through her CIP designation. She obtained her brokers license in 2019 and is more inclined to sales. Maria is fluent in English, Hindi and Urdu. maria@aiainsurance.ca

647-786-4689

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ABIOLA ONABOLU

INSURANCE BROKER

Abiola Onabolu started her career in Banking. She joined the insurance company as a Life agent, selling life insurance.She has been building her career path as an insurance Broker since 2016. Moreover, looking forward to achieving her CIP in the near future. Abiola is fluent in English and Yoruba. abiola@aiainsurance.ca

416-823-6559

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AMMAR ZAKARYA

ACCOUNTING MANAGER

Ammar joined AiA in August of 2018 and has a bachelor degree in accounting. That combined with his 10+ years of bookkeeping and accounting experience makes him a perfect addition to the AiA team. Ammar is fluent in English and Syrian. ammar@aiainsurance.ca

647-573-5730

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AASHIMA SINGLA

CSR

Aashima has recently moved to Canada and has started her second stint in the Insurance Industry here. She is a FIII and MBA in Insurance and also has a work experience of more than 5 years in the Indian Insurance Industry. She has completed 3 CIPs. She is a team player, focused and a career-oriented professional who always strives to achieve the best results. Aashima is fluent in English, Hindi and Punjabi. aashima@aiainsurance.ca

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MEGHA

CSR

Megha is an Economics graduate and she started her Insurance career in 2014 as a Risk Modelling Analyst with XL Catlin (Now XL AXA) in India. She has worked extensively with the underwriters for the 4 years that she was employed with XL AXA and has a very good understanding of the P&C market. She then moved on to a managerial role with Inspiration Clothing, where she worked for 2 years before moving to Canada in September 2019. She obtained her INS certification from ‘The Institutes’ and is now working towards getting her RIBO license to work as a full-time broker, currently, she is working as an CSR. Megha is fluent in English, Hindi and Punjabi. megha@aiainsurance.ca

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RAJWINDER DEOIL

RIBO

Rajwinder Deoil is a highly motivated and compassionate worker with 4 years of experience as a life insurance advisor. She has completed her insurance specialist diploma and successfully worked towards her RIBO license. Her dedication and passion towards her career allows her to give the best service to her clients. Rajwinder is fluent in English, Hindi and Punjabi. rajwinder@aiainsurance.ca

647-271-3233

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HELAY ASGHAR

ADMIN EXECUTIVE

Helay Asghar joined our team as our Admin Executive in August of 2018. She previously worked in TD Canada Trust as a Customer Service Representative and has overall 5 years experience in the customer service industry. Helay graduated from Humber College with a Diploma in Advanced Operations Management. As an Admin Executive professional with a passion for the insurance industry, she is thrilled in developing a keen understanding of the various aspects of the industry. She is obtained her RIBO in April 2019 and is a licensed insurance broker. Moreover, she is determined and working hard towards becoming a licensed broker in the future. Helay is fluent in English, Russian and Farsi. helay@aiainsurance.ca

647-206-1132

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AMANDEEP SEEHRA

B.ED, RIBO

Amandeep Seehra joined our team since April 2019. She’s enjoying working at AIA Insurance Brokerage as a broker. She’s very hardworking and passionate about her career. Amandeep is fluent in English, Hindi and Punjabi. amandeep@aiainsurance.ca

647-292-4282

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BIANCA TOMLINSON

RIBO

Bianca is fluent in English. bianca@aiainsurance.ca

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JASMINE KAUR

ACCOUNTS EXECUTIVE

_BMIM, MBA, RIBO_

Jasmine joined our team in 2018. Over past number of years her focus has been on schooling and obtaining her MBA. Now that she has accomplished that goal excelling in the insurance industry is her next target. She obtained her RIBO license in 2018. She is career oriented, customer focused and very enthusiastic about her life goals. She believes learning and massive knowledge is one of the greatest keys of success. We are glad to have her as a part of AiA team. Jasmine is fluent in English, Hindi and Punjabi. jasmine@aiainsurance.ca

647-906-4657

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SIMRANJIT

_RIBO_

Setareh is fluent in English, Hindi and Punjabi. simranjeet@aiainsurance.ca

647-745-6588

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NEVILLE ROSHAN

Neville has been working in the insurance industry since 2004 and is RIBO Licensed. He loves working at AiA and makes sure to always keeps his customers happy! He is multilingual in English, Tarril and

Sinhala.

neville@aiainsurance.ca

416-738-7951

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GENNIE SUPPA

Gennie has a Bachelor of Arts in Political Science and she loves to volunteer to help out her community. She has worked as an Account Manager, Account Executive, and a Senior Insurance Manager. We love that she has joined the AiA Team! Gennie is fluent in English and Italian. gennie@aiainsurance.ca

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SETAREH QURBANI

_RIBO_

Setareh is fluent in English, Persian and French. setareh@aiainsurance.ca

647-868-0087

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MOHAMED ZEBIAN

Mohammed is our Business Development Manager and he has 9 years of working experience with a brokerage as Producer. He is professionally skilled in Negotiation, Professional Liability, Risk Management, Property & Casualty Insurance, and Customer Service. We’re happy to have him on our team!

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PAM MCNICHOL

BRANCH MANAGER

Pam moved to London after high school to take the Business Marketing program at Fanshawe College. After college, Pam got her RIBO license and went to night school to get her BA in Sociology at UWO. She also obtained her CAIB designation through IBAO while working as an insurance broker. Pam has 2 children and loves to travel almost as much as she loves insurance

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ULYANA KRUPNYK

Ulyana loves everything to do with insurance and always wanted to be a registered insurance broker. She has experience as an Account Manager and working in General Insurance. We’re happy to have her as an asset to our AiA Family!

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ABIOLA ONABOLU

Abiola Onabolu started her career in Banking. She joined the insurance company as a Life agent, selling life insurance.She has been building her career path as an insurance Broker since 2016. Moreover, looking forward to achieving her CIP in the near future. Fluent in English and

Yoruba.

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WHO IS AIA INSURANCE? AiA Insurance Brokers was created in March 2016 by founder and brokerage President Rajiv Verma. In 2010, Rajiv and his young family moved to Canada from New Delhi India and started their new journey by making the city of Toronto home. After getting settled, Rajiv ventured off to continue working in the business he knew and loved, Insurance! He always use to say “Insurance is not everyone’s cup of tea but I enjoy sipping it”. Prior to moving to Canada, Rajiv was a brokerage owner and licenced broker, and he transitioned his knowledge to become a licenced broker and brokerage owner in Ontario. Prior to opening AiA, he joined an insurance brokerage in Toronto as a Team Leader. Right in his first six months he build and manage and supervise a successful team of brokers. In 2015 he decided that it was time to make his next move and decided that he needed to build and control his future. In March of 2016, AiA Insurance Brokers was formed and in June of 2018, the doors of the brokerage were officially opened. AiA stand for “All in All” which is pivotal to its success and internal culture. AiA provides endless opportunities for all who are employed there and is focused on providing exceptional service and insurance coverage designed to meet all of the individual needs of all of the consumers that AiA and its team are fortunate enough to serve. AiA is for all, our punch lines says it clear, “All in All is for all” and if you are looking for a change we are here when you need us! LET US PUT ALL THE PIECES OF YOUR LIFE TOGETHER.

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