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Holiday Office Hours of Operations
The Expo Insurance Brokers Office will be closed on the folowing Times and Days
Fri Dec 23rd Office closed at 3:00pm
Mon Dec 26 Office Closed.
Tues Dec 27 Office Closed.
Fri Dec 30 Office closed at 4:00 p.m.
Mon Jan 02 Office Closed.

The staff at Expo Insurance Brokers wish you, your family and friends a great Canada Day weekend!

Ontario Brokers Welcome Crackdown on
Auto Insurance FraudFinance Minister Dwight Duncan announces targeted Budget initiative to benefit insurance industry
(Toronto, Ontario), March 29, 2011. Today, the Insurance Brokers Association of Ontario (IBAO) welcomes the Ontario government and Finance Minister Dwight Duncan on their continued support of Ontario’s insurance industry and small businesses. Today’s Budget highlights that the government will continue to target abuse and fraud in the auto insurance system. This announcement proves that the government remains committed to the insurance industry and consumer protection.
New auto regulations came into force in September, 2010. The Budget reminds Ontarians that these reforms directly targeted abuse and fraud in the auto insurance system, which increase costs and lead to higher premiums.
The budget also states that the government will build on these reforms by taking further immediate steps to reduce fraud. These include:

working with the industry to use the newly established Health Claims for Auto Insurance (HCAI) database to detect potentially fraudulent activity;

introducing new rules to ensure that treatments are provided as invoiced;

establishing an auto insurance anti-fraud taskforce to determine the scope of auto insurance fraud in Ontario and make recommendations regarding detection, investigation, enforcement and consumer education; and

requiring auto insurers to annually attest that their companies have established effective compliance controls to satisfy the rules that protect the rights of policyholders and accident victims.
“We commend Premier McGuinty and Minister Duncan on today’s Budget,” stated Randy Carroll, IBAO CEO. “Insurance brokers are committed to protecting Ontario consumers and keeping them informed. Today’s Budget announcement only reminds the insurance industry of the need for us to all work together to protect Ontario consumer interests.”

-The Insurance Brokers Association of Ontario (IBAO) is a ‘not for profit’ association that represents and serves the interests of over 11,400 independent Property & Casualty Insurance Brokers in the Province of Ontario. For information about IBAO, visit www.ibao.org or www.ibao.org/blog to receive timely news and information updates. You can also follow IBAO on Twitter or join the IBAO Facebook Fan Page.

Please be advised Expo Insurance Brokers Inc, will be closed Monday May 23 2011,
for the Long weekend.

Wishing all our clients a Happy and Safe May 24 weekend.

Expo Insurance Brokers Team.

Changes to Ontario Auto Insurance give you the consumer more Choice.

On September 1, 2010, changes are coming to auto insurance in Ontario. Additional accident benefit choices will allow you to customize your policy to suit your needs. These choices, will give you greater influence over the price you pay for insurance. Pricing will vary based on the benefits YOU purchase.

These reforms and new benefit choices take effect Sept 1, 2010. Your policy will remain unchanged until your next renewal. At that time, you will need to contact our office and advise us, what you would like for coverages and discuss your options.

We encourage you to read the documents, you will soon get in the  mail from your insurance company. Carefully review all the changes as your coverages will be effected.

Stay tuned for more information. For specific information call our customer service representatives at Expo insurance brokers,or for general information try the Insurance Bureau of Canada at www.ibc.ca

Expo Insurance Brokers Inc.

Insurance. Just the mention of it can make you cringe. And to most people, the very thought of making a payment or renewing a policy can feel like a nuisance. Yet, you can’t afford not to have it. In fact, to drive a car, it is mandatory. Everyone needs insurance.

So, what is insurance and why is it important?

The purpose of insurance is to compensate the victim of a loss for the actual amount of that loss, no more and no less. And, having an insurance policy provides individuals with the means to shift their financial responsibility for a loss to a third party.

In Canada, an insurance policy can be purchased directly from a company, from an insurance agent, or from an insurance broker.

We can help you identify the risks that you, your family or your business may be exposed to.

You might think that buying directly from an insurance company would be cheaper, right?

Actually, it isn’t. All insurance companies have administration costs. And direct insurers also spend a lot of money to market and advertise their products, so you won’t find it cheaper to go directly to the insurer.

More importantly, not all policies are the same. You should be wary of a “cheap” policy. As someone once said, “cheap is often too expensive.” You want to make sure you understand your policy, the coverage, the exclusions, so you won’t have any surprises if you have to file a claim.

What you want is someone who can add value to your premium. An insurance broker can help you do that.

As insurance brokers, we specialize in insurance protection. We work for you. We have an in-depth working knowledge of the insurance market and can provide professional and objective advice. And we don’t just work with one insurance company; we shop around and find the best policies from the best insurance companies across Canada. In other words, we work for you.

We can help you identify the risks that you, your family or your business may be exposed to. And we will recommend the best protection at a competitive price, arrange the insurance policy and documentation, and answer any question that you may have. We will also remind you when your policies are due for renewal or amendment.

Your daughter may move out to attend University, or your son may get his driver’s licence. As your situation evolves, we are there to review your policies to ensure that the coverage is appropriate and that the entire family remains well protected.

As insurance brokers, we provide the knowledge, choice, convenience and professionalism that you deserve.