Welcome to CEM Insurance
We are a family-run independent insurance brokerage with over 35 years of industry experience. Having partnerships with some of the leading insurance companies in Canada allows us to provide you with the right coverage that fits your unique needs. We offer comprehensive insurance coverage for commercial and personal needs.
Tired of calling a 1-800 number only to get a different insurance agent every time you want to discuss your policy? With CEM Insurance you get the same agent every time you call. We pride ourselves on building a relationship with every client we represent.
Our reputation is built on 3 pillars:
Being there when our clients call.
Providing the most competitive
rates possible.
Making insurance easy to understand.
Our Services
If you don’t want to replace or repair your vehicle out of pocket, you will need coverage to protect you from thefts, collisions, and more. We’ll help you figure out if you need more than just Collision and Comprehensive coverage. Whether it be with your commuter vehicle or an antique classic car that you are restoring, let our staff offer you a quote from some of the country’s most reliable insurers.
There is a lot to think about when insuring your home beyond the common types of losses like theft, fire, and water damage. What about sewer back up, liability insurance, flood damage, and when renovating your home? Let our experienced brokers help you assess your personal needs and put together a customized insurance package to ensure you and your family’s assets are properly protected.
If you own or rent a condominium, apartment, or townhome, your condominium corporation’s insurance only protects the building as a whole. It won’t include the replacement of your unit’s contents should there be an accident or disaster.
Whether you ride a motorcycle or a moped, you can’t simply add your bike as a second vehicle to your current car insurance policy. Also, additional insurance add-ons might be required, we can help you figure which ones are right for you.
With roots in cottage country, we understand the unique challenges that can arise in finding the right insurance policy for your cottage, bunkie, boats, recreational vehicles, and other leisure property. Whether you rent your cottage or have kept it in the family, you can relax on the dock knowing that our staff will make sure you are covered properly.
There are different types of life insurance policies that will secure the value of your estate and protect your family financially for years to come. Our team can help you understand the difference between term, permanent, critical illness and disability.
We offer Commercial General Liability (CGL), Commercial Property and Commercial Auto insurance. Commercial General Liability policies can offer different levels of coverage. We will work with you to make sure your people and property are protected.
For clients who have a higher level of personal assets and homes, we offer custom-tailored options to match your unique needs. Our staff will focus on protecting your assets and offering you peace of mind. With years of experience advising and assisting with elite clients and having partnerships with leading high-value insurers, our staff can help you manage the unique liabilities that come with high levels of success.
Our homes and businesses rely more on digital connectivity than ever before. Cyber attacks such as privacy breaches and ransomware are increasingly targeting homes and small to medium-sized businesses which they consider easy targets. How prepared are you in the event of such an incident? Let our staff guide you through the process of setting up security procedures to reduce the likelihood of an attack and match an appropriate Cyber Insurance policy to protect you if the worst happens.
Even the most diligent of professionals who provide expert services and advice can sometimes find themselves hit with allegations of misrepresentation or negligence commonly referred to as Errors & Omissions. Protect your business and yourself from defence costs, settlements or fines resulting from these kinds of allegations with a tailored professional liability insurance policy.
Our Partners
We pride ourselves on being able to serve our clients’ needs with the best insurance companies on the market.
We are partnered and have strong relationships with the following leading insurers:
