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Cyber Liability
Insurance
Why Cyber Liability Insurance?
A traditional business liability policy is extremely unlikely to protect against most cyber exposures. Standard commercial policies are written to insure against injury or physical loss and will do little, if anything, to shield you from electronic damages and the associated costs they may incur.
Exposures are vast, ranging from the content you put on your website to stored customer data.
Awareness of the potential cyber liabilities your company faces is essential to managing risk through proper coverage.
Possible exposures covered by a typical cyber liability policy may include:
Companies are beginning to have a greater responsibility to protect clients’ personal information. In the event of a breach, notification of the affected parties will soom be required by law in Ontario, and may soon be required throughout Canada. This will add to costs that will also include security fixes, identity theft protection for the affected parties and protection from possible legal action.
While companies operating online are at a heightened risk, even companies that don’t transmit personal data over the Internet, but still store it in electronic form, could be susceptible to breaches through data lost to unauthorized employee access or hardware theft.Your company’s online presence, whether it be through a corporate website, blogs or social media, opens you up to some of the same exposures faced by publishers. This can include libel, copyright or trademark infringement and defamation, among other things.
If an email sent from your server has a virus that crashes the system of a customer, or the software your company distributes fails, resulting in a loss for a third party, you could be held liable for the damages.
Our Insurance Partners
A natural disaster, malicious activity or fire could all cause physical damages that could result in data or code loss. While the physical damages to your system hardware would typically be covered under your existing business liability policy, data or code loss due to the incident would generally not be covered.
Hackers can hijack websites, networks and stored data, denying access to you or your customers. They often demand money to restore your systems to working order. This can cause a temporary loss of revenue and generate costs associated with paying the hacker’s demands, or rebuilding if damage is done.
Our Insurance Partners
Our Insurance Partners
If your primary business operations require the use of computer systems, a disaster that cripples your ability to transmit data could cause you, or a third party that depends on your services, to lose potential revenue.
Our Insurance Partners
Frequently Asked
Questions
You'll find answers to questions regarding therapy options, how to access support, resources for self-help, and tips for managing mental health concerns.
Coverage:
Atv’s are a great source of fun either for trail riding, or maybe you are into hunting. Either way, don’t forget the insurance! ATV insurance policies can be set up as standalone coverage, or can often be added on to your personal property policy. Depending on the age, type, and value of the ATV, there are different levels of coverage. The main coverage available would be for collision, comprehensive (fire & theft) and your personal liability while operating the ATV. It’s always best to deal with a broker who will take the time to explain your Atv insurance coverage options to you.
Choice:
With offices across Ontario, I can find the ATV insurance solution for you. Our brokerage represents over 15 insurance companies in Ontario. With that many to choose from, we are sure to find you a very competitive ATV insurance rate that fits your needs and budget.
Professional Advice:
If you are like most people, you just want to know you are protected. Having your options explained to you is one thing I can promise you. In the event you experience a loss, we can review your claim options together. I will be able to walk you through the claims process to be sure that everything goes smoothly.
Payment Flexibility:
Are you looking to pay your premium in full to save the monthly finance fee? Maybe you like to pay for your ATV insurance monthly from your credit card so you can build your reward points. Whatever your preference, we have a solution for you.Coverage:
Auto insurance in Ontario can be a little confusing. Between understanding the no-fault system in Ontario and the different options available to protect your vehicles; it’s always best to deal with a broker who will take the time to explain your insurance coverage options to you. Cheap insurance is great, but not if you aren’t protected properly.
Choice:
With offices across Ontario, I can find the right solution for you. Our brokerage represents over 15 insurance companies in Ontario. With that many to choose from, we are sure to find you a very competitive auto insurance rate that fits your needs and budget.
Discounts:
Each insurance company has many auto insurance discounts available. I will work with you to find the best auto insurance for your situation. Some of the discounts available are:
-
Multi-policy discount (insuring auto and property with the same company)
-
Multi-vehicle discount (insuring multiple vehicles with the same insurance company)
-
Winter tire discount (now available with all companies January 2016)
-
Conviction free discount
-
Driver training discount
-
Short commute discount
-
Retiree discount
-
Good student discount
-
Loyalty discount
-
MyDriving discount (discount based on your driving habits)
Professional Advice:
In this day of impersonal technology, aren’t we all just looking for answers and to talk to someone who knows? If you are like me, sometimes it’s just nice to pick up the phone and speak to a human being who is willing to listen. If you are in an accident, I will be there to help you navigate the claims process and answer any questions you may have. Having the proper auto insurance will reduce worry and make your claims process easier should you be involved in an accident.
Payment Flexibility:
Are you looking to pay your premium in full to save the monthly finance fee? Maybe you like to pay for your home insurance monthly from your credit card so you can build your reward points. Whatever your preference, we have a solution for you.
Guaranteed Rates:
Did you know that the date you received your license(s)? Do you know how long you have been listed on an insurance policy? Have you ever had a gap of insurance for any reason? What about the dates of claims going back 10 years or tickets you may have received in the last 3? The majority of people can’t always remember certain details which can affect the auto insurance quote drastically. I treat the quote process differently. With a quick call, I can take the vehicle and driver details and verify the information through a third party system. This allows me to give you a consistent insurance quote every time.-
Coverage:
Planning on hitting up the water this summer? Don’t forget the insurance! Boat and personal watercraft insurance policies can be set up as standalone coverage, or can often be added on to your personal property policy. Depending on the age, type, and value of the boat, there are different levels of coverage. The main coverage available would be for the boat, or personal watercraft hull, along with the motor, boat contents (eg. GPS, fish finders), trailer, and your personal liability while operating the watercraft. It’s always best to deal with a broker who will take the time to explain your boat insurance coverage options to you.
Choice:
With offices across Ontario, I can find the right boat insurance solution for you. Our brokerage represents over 15 insurance companies in Ontario. With that many to choose from, we are sure to find you a very competitive boat and personal watercraft insurance rate that fits your needs and budget.
Professional Advice:
If you are like most people, you just want to know you are protected. Having your options explained to you is one thing I can promise you. In the event you experience a loss, we can review your claim options together. I will be able to walk you through the claims process to be sure that everything goes smoothly.
Payment Flexibility:
Are you looking to pay your premium in full to save the monthly finance fee? Maybe you like to pay for your home insurance monthly from your credit card so you can build your reward points. Whatever your preference, we have a solution for you.
Additional Coverage:
-
Reasonable Repairs
Covers repairs incurred to protect covered property from further damage. -
Emergency Service
Pays for reasonable costs that you incur resulting from specified emergency service to your boat, motor or boat trailer. -
Wreck Removal
Pays the reasonable expenses you incur for any attempted or actual raising, removal or destruction of the wreck of your watercraft when damage is caused by an insured loss and removal or destruction is required by law. -
Umbrella Liability
Provides additional boat insurance coverage across the board for home, auto and watercraft.
-
Coverage:
Cottage insurance is growing in popularity and continues to evolve from insurer to insurer. There are various levels of coverage available depending on the cottage location, fire protection available in the area, type of cottage, and the frequency that you visit the property. Not all cottage insurance policies are made equal which is why it’s important for you to know what you are buying. Let me work with you to review your cottage insurance coverage and provide you with some competitive options.
Choice:
With offices across Ontario, I can find the right cottage insurance solution for you. Our brokerage represents over 15 insurance companies in Ontario. With that many to choose from, we are sure to find you a very competitive cottage insurance rate that fits your needs and budget.
Discounts:
Each insurance company has many cottage insurance discounts available. I will work with you to find the best cottage insurance for your situation. Some of the discounts available are:
-
Multi-policy discount (insuring auto and property with the same company)
-
Multi-property discount (insuring multiple properties with the same insurance company)
-
Mortgage free discount
-
Newer cottage
-
Monitored Alarm discount
-
Claims free discount
-
Non-smoker discount
-
Loyalty discount
-
Sewer backup prevention
-
Shuttle tank fire protection discount
Professional Advice:
There are very few people that actually review their cottage insurance policy and know what they are covered for. If you are like most people, you just want to know you are protected. Having your options explained to you is one thing I can promise you. In the event you experience a loss, we can review your claim options together. I will be able to walk you through the claims process to be sure that everything goes smoothly.
Payment Flexibility:
Are you looking to pay your premium in full to save the monthly finance fee? Maybe you like to pay for your home insurance monthly from your credit card so you can build your reward points. Whatever your preference, we have a solution for you.
Additional Coverage:
Sewer backup coverage
Water damage is the number 1 source of claims today. The sewer backup endorsement adds coverage to your property policy to protect your home from damage caused by rupture of or escape of water from a sewer, drain, sump, or septic tank.
Home based business
What happens if you run a home based business out of your cottage? Did you know you can get additional liability and business contents coverage added in most cases? This is very important especially if you have clients coming to see you at your home office.
Jewellery rider
Most home insurance policies have some built in coverage for jewellery. Depending on the insurer, you would be looking at $4,00-$10,000 in most cases. For instances where that would not be enough, we can schedule additional coverage for your higher value items including watches, engagement rings, wedding rings etc.
Silverware, goldware, stamps, coins and collections
All of the above have special limits included in most home policies. The basic limit included in your home insurance policy may not be enough, but there are options to include additional coverage.
Personal watercraft coverage
If you own a boat, often there is coverage that can be added to protect the liability exposure as well as coverage for the boat, motor and the boat’s contents.
Umbrella coverage
An umbrella policy provides a higher level of liability protection for a policy holder through higher limits and broadened coverage.-
Coverage:
Home insurance coverage in Ontario continues to evolve from insurer to insurer. Not all home insurance policies are made equal which is why it’s important for you to know what you are buying. Let me work with you to review your home insurance coverage and provide you with some competitive options.
Choice:
With offices across Ontario, I can find the right home insurance solution for you. Our brokerage represents over 15 insurance companies in Ontario. With that many to choose from, we are sure to find you a very competitive home insurance rate that fits your needs and budget.
Discounts:
Each insurance company has many home insurance discounts available. I will work with you to find the best home insurance for your situation. Some of the discounts available are:
-
Multi-policy discount (insuring auto and property with the same company)
-
Multi-property discount (insuring multiple properties with the same insurance company)
-
Mortgage free discount
-
New Home discount
-
Monitored Alarm discount
-
Retiree (age) discount
-
Claims free discount
-
Non-smoker discount
-
Loyalty discount
-
Sewer backup prevention
Professional Advice:
There are very few people that actually review their home insurance policy and know what they are covered for. If you are like most people, you just want to know you are protected. Having your options explained to you is one thing I can promise you. In the event you experience a loss, we can review your claim options together. I will be able to walk you through the claims process to be sure that everything goes smoothly.
Payment Flexibility:
Are you looking to pay your premium in full to save the monthly finance fee? Maybe you like to pay for your home insurance monthly from your credit card so you can build your reward points. Whatever your preference, we have a solution for you.
Additional Coverage:
Sewer backup coverage
Water damage is the number 1 source of claims today. The sewer backup endorsement adds coverage to your property policy to protect your home from damage caused by rupture of or escape of water from a sewer, drain, sump, or septic tank.
Home based business
Running a small business or side business out of your home? What happens if a client comes to see you at your home office and falls on your front steps? Did you know you can add additional liability and business contents coverage to protect you in most cases? Without the home based business rider, you are putting yourself in danger of having a claim denied.
Jewellery rider
Most home insurance policies have some built in coverage for jewellery. Depending on the insurer, you would be looking at $4,00-$10,000 in most cases. For instances where that would not be enough, we can schedule additional coverage for your higher value items including watches, engagement rings, wedding rings etc.
Silverware, goldware, stamps, coins, and collections
All of the above have special limits included in most home policies. The basic limit included in your home insurance policy may not be enough, but there are options available to include additional coverage.
Personal watercraft coverage
If you own a boat, often there is coverage that can be added to protect the liability exposure as well as coverage for the boat, motor and the boat’s contents.
Umbrella coverage
An umbrella policy provides a higher level of liability protection for a policy holder through higher limits and broadened coverage.-
Coverage:
Residential rental properties are a popular investment in Canada. Insuring them can be fairly straight forward depending on how they are managed, and the type of tenants leasing the property. Single family rentals with annual leases are ideal. Short term rentals, furnished rentals, student rentals and commercial/residential mixed properties all will need a specialty insurance solution. Let me work with you to review your rental property insurance needs and provide you with some competitive options.
Choice:
With offices across Ontario, I can find the right solution for you. Our brokerage represents over 15 insurance companies in Ontario. With that many to choose from, we are sure to find you a very competitive rental property insurance rate that fits your needs and budget.
Discounts:
Each insurance company has many condo insurance discounts available. I will work with you to find the best home insurance for your situation. Some of the discounts available are:
-
Multi-policy discount (insuring auto and property with the same company)
-
Multi-property discount (insuring multiple properties with the same insurance company)
-
Mortgage free discount
-
New Home discount
-
Monitored Alarm discount
-
Retiree (age) discount
-
Claims free discount
-
Non-smoker discount
-
Loyalty discount
-
Sewer backup prevention
Professional Advice:
There are very few people that actually review their rental property policy and know what they are covered for. If you are like most people, you just want to know you are protected. Having your options explained to you is one thing I can promise you. In the event you experience a loss, we can review your claim options together. I will be able to walk you through the claims process to be sure that everything goes smoothly.
Payment Flexibility:
Are you looking to pay your premium in full to save the monthly finance fee? Maybe you like to pay for your home insurance monthly from your credit card so you can build your reward points. Whatever your preference, we have a solution for you.
Additional Coverage:
Sewer backup coverage
Water damage is the number 1 source of claims today. The sewer backup endorsement adds coverage to your property policy to protect your home from damage caused by rupture of or escape of water from a sewer, drain, sump, or septic tank.
Rental Income
This insurance compensates you for lost rent in the event you have an insurable loss at your property. If the loss is major and the home can’t be occupied while the repairs or replacement are taking place, there is a chance of losing your tenants which means losing your monthly rent.
Building owner’s contents coverage
Rental properties often contain some of the landlord’s contents. Coverage for these contents can be added as additional coverage. Generally, the contents are limited to the appliances in the home (washer, dryer, stove, dishwasher).-
Coverage:
University and college towns offer great investment opportunities for those looking to own a student rental. Although these properties can be profitable, they are viewed as higher risk in the eyes of many insurers and require a policy specifically built for these types of properties. Risk management is a key part in obtaining the best student rental insurance. Let me work with you to review your student rental insurance needs and provide you with some competitive options.
Choice:
With offices across Ontario, I can find the right student rental insurance for you. Our brokerage represents over 15 insurance companies in Ontario, and 5+ companies that specialize in insuring student rentals. With that many to choose from, we are sure to find you a very competitive student rental property insurance that fits your needs and budget.
Risk Management:
Student rentals can be higher risk if you don’t put a risk management policy in place. Consider the following steps before taking on any new lessee’s.
-
Request multiple references
-
Have annual leases for each student
-
Have a requirement that each student have their own tenant insurance in the lease
-
Have a requirement that all cooking be done in communal kitchen (no hot plates allowed)
-
Inspect the exterior of the property monthly
-
Inspect the interior semi-annually
-
Have an emergency plan posted in the home in case of fire or medical emergency
-
Have a contract for snow removal to prevent slips and falls, or have a written agreement outlining tenants responsibilities in this matter.
Professional Advice:
There are very few people that actually review their rental property insurance policy and know what they are covered for. If you are like most people, you just want to know you are protected. Having your options explained to you is one thing I can promise you. In the event you experience a loss, we can review your claim options together. I will be able to walk you through the claims process to be sure that everything goes smoothly.
Payment Flexibility:
Are you looking to pay your premium in full to save the monthly finance fee? Maybe you like to pay for your home insurance monthly from your credit card so you can build your reward points. Whatever your preference, we have a solution for you.
Additional Coverage:
Rental Income
This insurance compensates you for lost rent in the event you have an insurable loss at your property. If the loss is major and the home can’t be occupied while the repairs or replacement are taking place, there is a chance of losing your tenants which means losing your monthly rent.
Building owner’s contents coverage
Rental properties often contain some of the landlord’s contents. Coverage for these contents can be added as additional coverage. Generally, the contents are limited to the appliances in the home (washer, dryer, stove, dishwasher).
Sewer backup coverage
Water damage is the number 1 source of claims today. The sewer backup endorsement adds coverage to your property policy to protect your home from damage caused by rupture of or escape of water from a sewer, drain, sump, or septic tank.
Equipment breakdown
Flood & Earthquake-
Frequently Asked Questions
You'll find answers to questions regarding therapy options, how to access support, resources for self-help, and tips for managing mental health concerns.
Blogs
Cyber Liability Insurance
Why Cyber Liability Insurance?
A traditional business liability policy is extremely unlikely to protect against most cyber exposures. Standard commercial policies are written to insure against injury or physical loss and will do little, if anything, to shield you from electronic damages and the associated costs they may incur.
Exposures are vast, ranging from the content you put on your website to stored customer data.
Awareness of the potential cyber liabilities your company faces is essential to managing risk through proper coverage.
We offer competitive rates, personalized coverage, and dedicated support—because you deserve more than a ‘big box’ experience.
For Business Commercial
Moller Insurance 1-64 Sandiford Drive Stouffville, ON, L4A 3V9
905-407-7071
© 2025 Insurance Advisor All Rights Reserved
My experience with Steve has been one of great comfort, and respect. When I moved my policy over to Steve, I was ALARMED to find the number of short cuts..
Waterdown, ON
William H.
My husband and I were referred to Steve from some friends, and I am so happy we were! From day one he has been nothing but amazing..
I’ve been working with Steve and his team for several years. I haven’t calculated the amount of money that Steve has saved me by researching for the best company..
Our Testimonials
Insurance today often feels like a 'big box' business—impersonal and frustrating. Many people stick with those big companies, assuming they’re getting the best deal.
Our Insurance Partners
Coverage:
Atv’s are a great source of fun either for trail riding, or maybe you are into hunting. Either way, don’t forget the insurance! ATV insurance policies can be set up as standalone coverage, or can often be added on to your personal property policy. Depending on the age, type, and value of the ATV, there are different levels of coverage. The main coverage available would be for collision, comprehensive (fire & theft) and your personal liability while operating the ATV. It’s always best to deal with a broker who will take the time to explain your Atv insurance coverage options to you.
Choice:
With offices across Ontario, I can find the ATV insurance solution for you. Our brokerage represents over 15 insurance companies in Ontario. With that many to choose from, we are sure to find you a very competitive ATV insurance rate that fits your needs and budget.
Professional Advice:
If you are like most people, you just want to know you are protected. Having your options explained to you is one thing I can promise you. In the event you experience a loss, we can review your claim options together. I will be able to walk you through the claims process to be sure that everything goes smoothly.
Payment Flexibility:
Are you looking to pay your premium in full to save the monthly finance fee? Maybe you like to pay for your ATV insurance monthly from your credit card so you can build your reward points. Whatever your preference, we have a solution for you.Coverage:
Auto insurance in Ontario can be a little confusing. Between understanding the no-fault system in Ontario and the different options available to protect your vehicles; it’s always best to deal with a broker who will take the time to explain your insurance coverage options to you. Cheap insurance is great, but not if you aren’t protected properly.
Choice:
With offices across Ontario, I can find the right solution for you. Our brokerage represents over 15 insurance companies in Ontario. With that many to choose from, we are sure to find you a very competitive auto insurance rate that fits your needs and budget.
Discounts:
Each insurance company has many auto insurance discounts available. I will work with you to find the best auto insurance for your situation. Some of the discounts available are:
-
Multi-policy discount (insuring auto and property with the same company)
-
Multi-vehicle discount (insuring multiple vehicles with the same insurance company)
-
Winter tire discount (now available with all companies January 2016)
-
Conviction free discount
-
Driver training discount
-
Short commute discount
-
Retiree discount
-
Good student discount
-
Loyalty discount
-
MyDriving discount (discount based on your driving habits)
Professional Advice:
In this day of impersonal technology, aren’t we all just looking for answers and to talk to someone who knows? If you are like me, sometimes it’s just nice to pick up the phone and speak to a human being who is willing to listen. If you are in an accident, I will be there to help you navigate the claims process and answer any questions you may have. Having the proper auto insurance will reduce worry and make your claims process easier should you be involved in an accident.
Payment Flexibility:
Are you looking to pay your premium in full to save the monthly finance fee? Maybe you like to pay for your home insurance monthly from your credit card so you can build your reward points. Whatever your preference, we have a solution for you.
Guaranteed Rates:
Did you know that the date you received your license(s)? Do you know how long you have been listed on an insurance policy? Have you ever had a gap of insurance for any reason? What about the dates of claims going back 10 years or tickets you may have received in the last 3? The majority of people can’t always remember certain details which can affect the auto insurance quote drastically. I treat the quote process differently. With a quick call, I can take the vehicle and driver details and verify the information through a third party system. This allows me to give you a consistent insurance quote every time.-
Coverage:
Planning on hitting up the water this summer? Don’t forget the insurance! Boat and personal watercraft insurance policies can be set up as standalone coverage, or can often be added on to your personal property policy. Depending on the age, type, and value of the boat, there are different levels of coverage. The main coverage available would be for the boat, or personal watercraft hull, along with the motor, boat contents (eg. GPS, fish finders), trailer, and your personal liability while operating the watercraft. It’s always best to deal with a broker who will take the time to explain your boat insurance coverage options to you.
Choice:
With offices across Ontario, I can find the right boat insurance solution for you. Our brokerage represents over 15 insurance companies in Ontario. With that many to choose from, we are sure to find you a very competitive boat and personal watercraft insurance rate that fits your needs and budget.
Professional Advice:
If you are like most people, you just want to know you are protected. Having your options explained to you is one thing I can promise you. In the event you experience a loss, we can review your claim options together. I will be able to walk you through the claims process to be sure that everything goes smoothly.
Payment Flexibility:
Are you looking to pay your premium in full to save the monthly finance fee? Maybe you like to pay for your home insurance monthly from your credit card so you can build your reward points. Whatever your preference, we have a solution for you.
Additional Coverage:
-
Reasonable Repairs
Covers repairs incurred to protect covered property from further damage. -
Emergency Service
Pays for reasonable costs that you incur resulting from specified emergency service to your boat, motor or boat trailer. -
Wreck Removal
Pays the reasonable expenses you incur for any attempted or actual raising, removal or destruction of the wreck of your watercraft when damage is caused by an insured loss and removal or destruction is required by law. -
Umbrella Liability
Provides additional boat insurance coverage across the board for home, auto and watercraft.
-
Coverage:
Cottage insurance is growing in popularity and continues to evolve from insurer to insurer. There are various levels of coverage available depending on the cottage location, fire protection available in the area, type of cottage, and the frequency that you visit the property. Not all cottage insurance policies are made equal which is why it’s important for you to know what you are buying. Let me work with you to review your cottage insurance coverage and provide you with some competitive options.
Choice:
With offices across Ontario, I can find the right cottage insurance solution for you. Our brokerage represents over 15 insurance companies in Ontario. With that many to choose from, we are sure to find you a very competitive cottage insurance rate that fits your needs and budget.
Discounts:
Each insurance company has many cottage insurance discounts available. I will work with you to find the best cottage insurance for your situation. Some of the discounts available are:
-
Multi-policy discount (insuring auto and property with the same company)
-
Multi-property discount (insuring multiple properties with the same insurance company)
-
Mortgage free discount
-
Newer cottage
-
Monitored Alarm discount
-
Claims free discount
-
Non-smoker discount
-
Loyalty discount
-
Sewer backup prevention
-
Shuttle tank fire protection discount
Professional Advice:
There are very few people that actually review their cottage insurance policy and know what they are covered for. If you are like most people, you just want to know you are protected. Having your options explained to you is one thing I can promise you. In the event you experience a loss, we can review your claim options together. I will be able to walk you through the claims process to be sure that everything goes smoothly.
Payment Flexibility:
Are you looking to pay your premium in full to save the monthly finance fee? Maybe you like to pay for your home insurance monthly from your credit card so you can build your reward points. Whatever your preference, we have a solution for you.
Additional Coverage:
Sewer backup coverage
Water damage is the number 1 source of claims today. The sewer backup endorsement adds coverage to your property policy to protect your home from damage caused by rupture of or escape of water from a sewer, drain, sump, or septic tank.
Home based business
What happens if you run a home based business out of your cottage? Did you know you can get additional liability and business contents coverage added in most cases? This is very important especially if you have clients coming to see you at your home office.
Jewellery rider
Most home insurance policies have some built in coverage for jewellery. Depending on the insurer, you would be looking at $4,00-$10,000 in most cases. For instances where that would not be enough, we can schedule additional coverage for your higher value items including watches, engagement rings, wedding rings etc.
Silverware, goldware, stamps, coins and collections
All of the above have special limits included in most home policies. The basic limit included in your home insurance policy may not be enough, but there are options to include additional coverage.
Personal watercraft coverage
If you own a boat, often there is coverage that can be added to protect the liability exposure as well as coverage for the boat, motor and the boat’s contents.
Umbrella coverage
An umbrella policy provides a higher level of liability protection for a policy holder through higher limits and broadened coverage.-
Coverage:
Home insurance coverage in Ontario continues to evolve from insurer to insurer. Not all home insurance policies are made equal which is why it’s important for you to know what you are buying. Let me work with you to review your home insurance coverage and provide you with some competitive options.
Choice:
With offices across Ontario, I can find the right home insurance solution for you. Our brokerage represents over 15 insurance companies in Ontario. With that many to choose from, we are sure to find you a very competitive home insurance rate that fits your needs and budget.
Discounts:
Each insurance company has many home insurance discounts available. I will work with you to find the best home insurance for your situation. Some of the discounts available are:
-
Multi-policy discount (insuring auto and property with the same company)
-
Multi-property discount (insuring multiple properties with the same insurance company)
-
Mortgage free discount
-
New Home discount
-
Monitored Alarm discount
-
Retiree (age) discount
-
Claims free discount
-
Non-smoker discount
-
Loyalty discount
-
Sewer backup prevention
Professional Advice:
There are very few people that actually review their home insurance policy and know what they are covered for. If you are like most people, you just want to know you are protected. Having your options explained to you is one thing I can promise you. In the event you experience a loss, we can review your claim options together. I will be able to walk you through the claims process to be sure that everything goes smoothly.
Payment Flexibility:
Are you looking to pay your premium in full to save the monthly finance fee? Maybe you like to pay for your home insurance monthly from your credit card so you can build your reward points. Whatever your preference, we have a solution for you.
Additional Coverage:
Sewer backup coverage
Water damage is the number 1 source of claims today. The sewer backup endorsement adds coverage to your property policy to protect your home from damage caused by rupture of or escape of water from a sewer, drain, sump, or septic tank.
Home based business
Running a small business or side business out of your home? What happens if a client comes to see you at your home office and falls on your front steps? Did you know you can add additional liability and business contents coverage to protect you in most cases? Without the home based business rider, you are putting yourself in danger of having a claim denied.
Jewellery rider
Most home insurance policies have some built in coverage for jewellery. Depending on the insurer, you would be looking at $4,00-$10,000 in most cases. For instances where that would not be enough, we can schedule additional coverage for your higher value items including watches, engagement rings, wedding rings etc.
Silverware, goldware, stamps, coins, and collections
All of the above have special limits included in most home policies. The basic limit included in your home insurance policy may not be enough, but there are options available to include additional coverage.
Personal watercraft coverage
If you own a boat, often there is coverage that can be added to protect the liability exposure as well as coverage for the boat, motor and the boat’s contents.
Umbrella coverage
An umbrella policy provides a higher level of liability protection for a policy holder through higher limits and broadened coverage.-
Coverage:
Residential rental properties are a popular investment in Canada. Insuring them can be fairly straight forward depending on how they are managed, and the type of tenants leasing the property. Single family rentals with annual leases are ideal. Short term rentals, furnished rentals, student rentals and commercial/residential mixed properties all will need a specialty insurance solution. Let me work with you to review your rental property insurance needs and provide you with some competitive options.
Choice:
With offices across Ontario, I can find the right solution for you. Our brokerage represents over 15 insurance companies in Ontario. With that many to choose from, we are sure to find you a very competitive rental property insurance rate that fits your needs and budget.
Discounts:
Each insurance company has many condo insurance discounts available. I will work with you to find the best home insurance for your situation. Some of the discounts available are:
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Multi-policy discount (insuring auto and property with the same company)
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Multi-property discount (insuring multiple properties with the same insurance company)
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Mortgage free discount
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New Home discount
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Monitored Alarm discount
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Retiree (age) discount
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Claims free discount
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Non-smoker discount
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Loyalty discount
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Sewer backup prevention
Professional Advice:
There are very few people that actually review their rental property policy and know what they are covered for. If you are like most people, you just want to know you are protected. Having your options explained to you is one thing I can promise you. In the event you experience a loss, we can review your claim options together. I will be able to walk you through the claims process to be sure that everything goes smoothly.
Payment Flexibility:
Are you looking to pay your premium in full to save the monthly finance fee? Maybe you like to pay for your home insurance monthly from your credit card so you can build your reward points. Whatever your preference, we have a solution for you.
Additional Coverage:
Sewer backup coverage
Water damage is the number 1 source of claims today. The sewer backup endorsement adds coverage to your property policy to protect your home from damage caused by rupture of or escape of water from a sewer, drain, sump, or septic tank.
Rental Income
This insurance compensates you for lost rent in the event you have an insurable loss at your property. If the loss is major and the home can’t be occupied while the repairs or replacement are taking place, there is a chance of losing your tenants which means losing your monthly rent.
Building owner’s contents coverage
Rental properties often contain some of the landlord’s contents. Coverage for these contents can be added as additional coverage. Generally, the contents are limited to the appliances in the home (washer, dryer, stove, dishwasher).-
Coverage:
University and college towns offer great investment opportunities for those looking to own a student rental. Although these properties can be profitable, they are viewed as higher risk in the eyes of many insurers and require a policy specifically built for these types of properties. Risk management is a key part in obtaining the best student rental insurance. Let me work with you to review your student rental insurance needs and provide you with some competitive options.
Choice:
With offices across Ontario, I can find the right student rental insurance for you. Our brokerage represents over 15 insurance companies in Ontario, and 5+ companies that specialize in insuring student rentals. With that many to choose from, we are sure to find you a very competitive student rental property insurance that fits your needs and budget.
Risk Management:
Student rentals can be higher risk if you don’t put a risk management policy in place. Consider the following steps before taking on any new lessee’s.
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Request multiple references
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Have annual leases for each student
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Have a requirement that each student have their own tenant insurance in the lease
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Have a requirement that all cooking be done in communal kitchen (no hot plates allowed)
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Inspect the exterior of the property monthly
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Inspect the interior semi-annually
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Have an emergency plan posted in the home in case of fire or medical emergency
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Have a contract for snow removal to prevent slips and falls, or have a written agreement outlining tenants responsibilities in this matter.
Professional Advice:
There are very few people that actually review their rental property insurance policy and know what they are covered for. If you are like most people, you just want to know you are protected. Having your options explained to you is one thing I can promise you. In the event you experience a loss, we can review your claim options together. I will be able to walk you through the claims process to be sure that everything goes smoothly.
Payment Flexibility:
Are you looking to pay your premium in full to save the monthly finance fee? Maybe you like to pay for your home insurance monthly from your credit card so you can build your reward points. Whatever your preference, we have a solution for you.
Additional Coverage:
Rental Income
This insurance compensates you for lost rent in the event you have an insurable loss at your property. If the loss is major and the home can’t be occupied while the repairs or replacement are taking place, there is a chance of losing your tenants which means losing your monthly rent.
Building owner’s contents coverage
Rental properties often contain some of the landlord’s contents. Coverage for these contents can be added as additional coverage. Generally, the contents are limited to the appliances in the home (washer, dryer, stove, dishwasher).
Sewer backup coverage
Water damage is the number 1 source of claims today. The sewer backup endorsement adds coverage to your property policy to protect your home from damage caused by rupture of or escape of water from a sewer, drain, sump, or septic tank.
Equipment breakdown
Flood & Earthquake-
Companies are beginning to have a greater responsibility to protect clients’ personal information. In the event of a breach, notification of the affected parties will soom be required by law in Ontario, and may soon be required throughout Canada. This will add to costs that will also include security fixes, identity theft protection for the affected parties and protection from possible legal action. While companies operating online are at a heightened risk, even companies that don’t transmit personal data over the Internet, but still store it in electronic form, could be susceptible to breaches through data lost to unauthorized employee access or hardware theft.
Your company’s online presence, whether it be through a corporate website, blogs or social media, opens you up to some of the same exposures faced by publishers. This can include libel, copyright or trademark infringement and defamation, among other things.
If an email sent from your server has a virus that crashes the system of a customer, or the software your company distributes fails, resulting in a loss for a third party, you could be held liable for the damages.
A natural disaster, malicious activity or fire could all cause physical damages that could result in data or code loss. While the physical damages to your system hardware would typically be covered under your existing business liability policy, data or code loss due to the incident would generally not be covered.
Hackers can hijack websites, networks and stored data, denying access to you or your customers. They often demand money to restore your systems to working order. This can c
If your primary business operations require the use of computer systems, a disaster that cripples your ability to transmit data could cause you, or a third party that depends on your services, to lose potential revenue.
Possible exposures covered by a typical D&O policy may include:
We offer competitive rates, personalized coverage, and dedicated support—because you deserve more than a ‘big box’ experience.
For Business Commercial
Moller Insurance 1-64 Sandiford Drive Stouffville, ON, L4A 3V9
905-407-7071
© 2025 Insurance Advisor All Rights Reserved
Insurance today often feels like a 'big box' business—impersonal and frustrating. Many people stick with those big companies, assuming they’re getting the best deal.
Our Testimonials
My experience with Steve has been one of great comfort, and respect. When I moved my policy over to Steve, I was ALARMED to find the number of short cuts..
Waterdown, ON
William H.
My husband and I were referred to Steve from some friends, and I am so happy we were! From day one he has been nothing but amazing..
I’ve been working with Steve and his team for several years. I haven’t calculated the amount of money that Steve has saved me by researching for the best company..
We offer competitive rates, personalized coverage, and dedicated support—because you deserve more than a ‘big box’ experience.
For Business Commercial
Moller Insurance 1-64 Sandiford Drive Stouffville, ON, L4A 3V9
905-407-7071
© 2025 Insurance Advisor All Rights Reserved
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