For additional clarification on any of the topics covered, please speak with a member of our broker team.
Insurance products ensure your protection in case of an unexpected circumstance resulting in a claim. We will work with you to determine the right coverage and payment options.
Simply choose the kind of insurance you are interested in.
We provide insurance for your home, condominium, apartment, seasonal home, mobile home, special collections, jewelry and more.
Why do you need homeowner insurance?
Homeowner insurance is all about protecting what is likely your single largest asset and your possessions. In the event of a mishap such as fire, natural disaster or crime, our team is committed to ensure you have the insurance in place to repair or replace your home and possessions. Liability coverage is also provided by your home policy. In case you are sued or cause injury to others or even if this is alleged, your home policy will cover your legal expenses and pay damages awarded.
Our professionals will not only work to provide the best coverages, they will work to SAVE YOU MONEY.
Options to lower your insurance costs include:
- Multiple policy discounts. The more policies you have at Morison Insurance, the larger the discounts.
- Increasing your deductible. The higher your deductible, the lower the premium.
- Monitored fire and security alarm systems. These provide more peace of mind and lower your insurance costs.
A personal umbrella policy can provide additional protection. Your home and auto insurance already cover your basic liability insurance. But a personal umbrella can provide additional protection in a cost effective way. Ask us for more details.
We will provide complete protection for your car, truck, motorcycle, all-terrain vehicle and more. You can also enhance your coverage with important extras.
Driving a vehicle means assuming some risks. Accidents happen. People may be hurt. Property may be damaged. Vandalism and theft may occur.
You are required by law to have basic automobile insurance, but often the minimum isn’t enough to cover the claim after a car accident.
It is important to have the right insurance coverages and to be sure you are getting the best coverages at the best price.
At Morison Insurance our professionals will provide you with competitive rates for broad coverages and offer optional additional protection. A summary of the coverages include:
- Liability Coverage protects you when you accidentally cause damage or injuries to other people or property.
- Accident Benefits includes payments for expenses such as medical and lost-income costs when you or others can’t return to work after an accident in either the short or long term.
- Comprehensive Coverage covers damage to your auto as result of fire, theft or vandalism.
- Collision Coverage protects you against damage to your vehicle due to an accident caused by you, someone without insurance or by someone you cannot identify.
- Optional extras: Loss of use provides a rental car to replace a damaged vehicle. Accident forgiveness protects your claims-free record. Non-owned auto covers physical damage to a car you are driving but do not own, such as a rental vehicle. Depreciation waiver reduces or eliminates the deduction of depreciation when your car has been destroyed or lost.
- All Perils combines the benefits of Collision and Comprehensive coverages.
We also offer plenty of ways to save on your auto insurance such as:
- Accident-free
- Accident forgiveness
- Short commute
- Driver education
- Increased deductible
- Savings on your child’s premium when they are away at school.
- Customer loyalty
- Over age 45
- Savings for other family members who live in your home and have their own car.
- Multiple policy discounts
- Monthly pay options with NO service charge
We know business insurance and our objective is to arrange the proper insurance for your unique business to help limit exposure to risk and to control losses. We recognize that insurance needs are different for every business. Our team will sit down with you to investigate the specific needs of your business.
As we all know, life is full of uncertainty. Your life and your ability to earn income is the most important thing you can insure. It’s no secret that if the primary income earner were to die prematurely, the surviving family members will face financial difficulty. Many workplace group programs provide some coverage, but it is rarely enough, especially in cases where there is a mortgage and young children in the family.
Life insurance allows you to provide for your family should you pass away. At Morison Insurance Brokers Ltd., we understand that life insurance can often be a delicate and confusing subject. Our task is to assist you by encouraging discussion and helping to take away that confusion. We want you to be confident that you have selected both the right amount of insurance and the right kind.
There are two basic types of Life Insurance:
Term Life Insurance – As the name implies, this type of coverage provides protection for a specific period of time, usually 10 or 20 years, and is the least expensive form of life insurance available. Your premiums stay the same throughout the term and death benefits are paid if you die during that time.
Permanent Life Insurance – Permanent plans, such as Whole Life or Universal Life, provide lifetime protection at a level cost. Permanent policies most often have a cash value component that is partially sheltered from tax, and the nature of the investments within the plan can be controlled by the policyholder. The cash value may eventually be withdrawn, or even applied toward future premiums. Permanent policies also have features available such as an increasing death benefit.
