Insurance products are distributed in Ontario by direct writers, insurance agents and independent brokers. Direct writers and agents represent the insurance companies. Of the three providers, only the broker works for you, the client.

But to make things more complicated, there are some brokerages that have partial or full ownership by insurance companies. This may be considered a conflict of interest, compromising their ability to act independently. So your best choice is an independent broker that is not affiliated with any insurance company. Robichaud Insurance Inc. is fully independent and works only for our clients.

We Shop the Market for You
The brokerage chooses which companies to represent — which means you get more choices and more coverage options. In fact, some insurance companies and their products are only available through an insurance broker. More choices mean better products , better coverage and more market competition to get you the best deal.

Your Broker is a Licensed Professional
When you work with an insurance broker, you have a highly skilled , provincially licensed professional who puts your interests first and gives unbiased advice. Professional competence, ethical conduct and current insurance knowledge make a licensed broker a choice you can trust.

No Two Persons or Businesses Have Identical Needs
Your home and automobile may be the same models as a neighbour’s. Or your business may fall into the same industry sector as many others . But your individual needs may be very different . Robichaud brokers take the time to learn what matters most to you and what we must protect. And your needs can change at any time so we have to be flexible to keep up with your evolving lifestyle.

We’re On Your Side When there’s a Claim
As insurance brokers, we understand the stress and confusion when a claim occurs. Since we work for you, not the insurance company, we’re on your side when you need help the most . We’ll guide you through the claims process and advocate on your behalf to ensure you get your full entitlement.

Help that’s Close to Home
We’re not just a voice on the phone. We don’t work in a call centre in another town or another country. We’re a part of the community and only minutes away when you need a meeting or simply have a question. Robichaud is proud to support our clients and to encourage others to do business with our clients.