Insurance Brokers in Almonte, ON

Does your insurance broker in Almonte offer comprehensive insurance coverage?

Oegema, Nicholson & Associates is different from traditional brokerages. We are an independent, full-service insurance provider that is customer-centred. Our reputation, experience, and longevity with insurance providers allow us to tailor services to our customers’ needs, ensuring they receive complete coverage in an event.

Comprehensive Insurance in Almonte

In Ontario, there are between 200,000–500,000 uninsured people. While the majority of these people are migrants, there are low-income families in the mix who cannot afford insurance. Additionally, an Ipsos study reported that 4 in 10 Canadians have insufficient health coverage or can’t afford it.

Benefits of Insurance

While 30% of Canadians report they are reducing their spending, insurance shouldn’t be one of them. Not having coverage places you at risk in an emergency or during an event. People avoid getting insurance because they believe nothing bad will ever happen. Yet, when it does, they quickly discover the wisdom in planning for the unexpected.

Life is unpredictable. Your insurance should be your safety net. Comprehensive insurance covers all financial aspects, including replacement costs, relocation expenses, collision repairs, and health benefits.

If you are uninsured, there is no safety net. You must pay all expenses yourself. Furthermore, if you didn’t have money for insurance, how would you afford proper care or cover replacement costs? What will you do then? What about your loved ones?

Insurance allows you to maintain the current standard of living. It covers daily costs and expenses like your mortgage if you are disabled or experience illness. It permits you to focus on recovery instead of paying the bills.

It also covers your possessions and your property/vehicle/business. You cannot afford to be without insurance.

At Oegema, Nicholson & Associates, we work hard with our insurance providers to obtain the best rates and services. We ensure you receive comprehensive, affordable coverage suited to your needs. Furthermore, our clients understand their policies as our highly-trained professionals provide transparent and unbiased information.

We aim to make our clients happy and offer them the peace they deserve.

Required Insurance in Almonte

Those who drive in Almonte must have auto insurance. Violators can receive a $5,000–$50,000 fine, a suspended license, or have their vehicle impounded if caught. Automotive insurance covers at-fault accident costs and medical expenses. Furthermore, costs become expensive if you don’t have comprehensive coverage.

While it isn’t mandated for a business not to carry insurance, the legal requirement is carrying general liability insurance under Canadian law. Not carrying this insurance means you are non-compliant. Business insurance is a wise decision because it covers every area of operations.

Tailored Insurance Solutions in Almonte

At Oegema, Nicholson & Associates, we believe in giving our customers the coverage they need at affordable prices. We strive to provide coverage within your budget while meeting your coverage requirements.

As an independent brokerage, our company leverages its longstanding relationships with other providers to provide our clients with affordable services. We believe insurance shouldn’t be a one-size-fits-all solution. Therefore, we do our best to ensure you receive full coverage.

Home Insurance

Our customized home insurance plans meet the unique needs of homeowners in Almonte. We allow clients to choose the coverage best for them and their homes. Therefore, homeowners are never over or underinsured.

Tenant/Renter Insurance

Renter insurance protects personal property in Almonte and offers personal liability coverage. This coverage includes accidental property damage you don’t own or unintentional physical injury to guests.

Auto Insurance

Vehicle insurance differs across provinces. In Ontario, private insurers provide auto insurance. No-fault car insurance allows Almonte drivers to enjoy working with their insurance company even if the other person is at fault.

Some policies offer perks for new drivers, discounts, accident protection and add-ons to maximize coverage.

Life Insurance

Life insurance plans secure your Almonte estate’s value and help cover expenses for your loved ones. It assists them in maintaining their lifestyle and covers funeral and legal costs.

Small Business Insurance

Coverage for business insurance in Almonte includes business property insurance, liability insurance, equipment malfunctions, loss of income, and crime.

Specialty Insurance in Almonte

Professional Liability/Errors & Omissions Insurance

Professional liability insurance is vital in Almonte if you directly work with consumers to provide services. It allows you to cover all bases if a client holds you accountable for errors in work. It covers your business if a client reports they suffered harm in your care, feel your services didn’t meet expectations, or suffer a loss.

Farm Insurance

Basic farm insurance policies in Almonte cover personal property, dwellings, equipment, outbuildings, livestock, poultry, produce, general liability, hobby farm, and pollution liability.

Group Benefits Insurance

We provide the best employee plans across industries. Our brokerage has comprehensive and attractive benefits for your employees in dental, health, vision, disability, and critical illness coverage. It also includes retirement benefits.

Contact Almonte’s Trusted Insurance Company

Our insurance brokers in Almonte put our clients first. Since we have strong, reputable relationships with the companies we represent, our team has a proven advantage when handling your insurance needs. We provide flexible plans and ensure each client receives comprehensive, customized coverage.

Furthermore, we want you to understand your policy. Our professionals provide unbiased and transparent solutions to our clientele. We give you personalized attention, responsive service, and competitive prices.

Call us at 613-256-3044 for further information or contact us here.

154 Bridge Street P.O. Box 749 Almonte, Ontario K0A 1A0
Tel: 613-256-3044 Fax: 613-256-0536

Our Team

Lynn McKinley Branch
Katrina Lalonde Personal Lines Account
Nik Dore, CAIB Account
"Just wanted to leave a message for your website that praises Nik Dore for being a constant example of always providing invaluable customer service. I never worry that my questions and concerns will be dismissed or that I am receiving less than constructive advice. Many thanks to him."
"I know all my insurance needs are covered with Oegema, Nicholson & Associates. I have been a loyal client for the last 15 years, and I can count of them for my commercial insurance, employee benefits, as well as my personal insurance and finances. Jeff Richer always goes above and beyond to help me with my insurance needs."
O-Omkar Atwal, Owner, Leitrim Home Hardware
"It’s always a pleasure to deal with Oegema, Nicholson & Associates, and I can depend on them for all my insurance needs. I have been a client for several years and whether it’s regarding my personal insurance, or anything to do with our employee benefits or commercial needs, I know I’m taken care of."
R-Rhonda, Capital Dodge
"I would like to thank Carol for everything she has done for me and my family over the years. It is my honest belief that we would not be in the position we are in if it was not for her guidance, expertise and honesty. We can't begin to thank her enough."
"ONA helps me with my personal insurance and my business insurance . They are my one stop shop when it comes to insurance and group benefits. I know I’m covered in all areas. Great friendly service and knowledgeable staff!"
J-James Carriveau, President, Exact Interlock and Exact Properties
"One call to Oegema, Nicholson Associates is all it took. After our basement flooded, within a day or two they had a crew cleaning everything up, taking down the drywall and itemizing everything to be cleaned, thrown out or restored. They had everything in place for us in a timely manner and were extremely patient with me as they talked me through the process and waited for me to make decisions."
J-Jennifer Parks, Stittsville, Ontario
"I’ve been dealing with ONA for over 20 years with my personal insurance, as well as our commercial insurance, and I know I can rely on them for great customer service, and prompt responses. I feel confident not only referring them to my employees, but to our customers as well."
C-Charlene Brunet, President, Dan Murphy Ford
Saul Mendoza (Salty)
Saul Mendoza (Salty)
My broker Bill C. from ONA has helped me over the years now with my vehicle insurance. He is very cautious and detail oriented when processing documentation, and ensures I understand everything whenever there are any changes. He recently helped me cut my premium almost in half just by improving my record and shopping around at the appropriate time. I am grateful to him and the team for being there for me when I need them.
RMP Tutoring
RMP Tutoring
I was assisted recently by Greg, who did a wonderful job in not only answering all of my questions and helping me to review pre-existing insurance plans, as well as advising me to look into my credit card/group insurance before needlessly purchasing more. This to me speaks highly of the character of the employee and business of a whole, and it is certainly the one I will be going to for any future needs.
They get back to you fast an excellent insurance agent
lise sevigny
lise sevigny
Have been with Oegema for over 30 yrs. Always great service!
Jamie C
Jamie C
Friendly, knowledgeable and professional. They take care of all my insurance needs. Commercial, Home and Auto.
Bob Bent
Bob Bent
Great service on both commercial and personal lines.
Jennifer Bardwell
Jennifer Bardwell
I purchased commercial insurance with this company. Very professional service throughout, and a good price on the policy. Would highly recommend!
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Oegema, Nicholson Financial Inc.
1451 Woodroffe Avenue
Ottawa, Ontario K2G 1W1
5526 Manotick Main Street P.O. Box 149
Ottawa, Ontario K2G 1W1
154 Bridge Street P.O. Box 749
Almonte, Ontario K0A 1A0
243 Castor Street
Russell, Ontario K4R 1B8
3-3809 St. Joseph Blvd.
Orleans, Ontario K4A 0Z8
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